It is essential to solve the problem of information asymmetry in bank housing credit management, thus reducing bank operating costs and credit risk. Therefore, the present work constructs a bank housing credit blockchain alliance system based on the technical characteristics of blockchain to strengthen bank housing credit risk control. First, according to blockchain’s elements and system architecture, the application of blockchain to bank housing credit business is analyzed. On this basis, the bank housing credit risk control strategy is proposed. Finally, the mathematical model is used to investigate residents’ household consumption to explore the impact of housing credit on the household consumption plan of residents. The results show that when the educational level of the head of household is illiterate or semi-illiterate, the coefficients of participation credit (PC), nonparticipation credit (NPC), and total samples (TSs) of total household consumption are −0.064, 0.067, and 0.174, respectively; when the educational level of the head of household is primary school or junior middle school, the coefficients of PC, NPC, and TS of total household consumption are -0.026, 0.017, and 0.105, respectively; when the educational level of the head of household is high school or above, the coefficients of PC, NPC, and TS of total household consumption are 0.084, 0.073, and 0.064, respectively. The results indicate that the education level of the head of household plays a crucial role in the family consumption plan. Those with a high educational level will compromise on the best consumption decision after constantly weighing the consumption motivation and consumption thinking after obtaining the credit funds. The content reported here is vitally significant in guiding households to clarify the proportion of credit fund distribution and understand their consumption tendency.

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The present work was devoted to developing rhodamine-like chemosensing systems for cysteine (Cys) optical recognition. Aiming at low background light and minimal photobleaching effect, up-converting nanocrystals were firstly synthesized and latterly coated by α-cyclodextrin, and finally used as an exciting host. An energy transfer procedure from these nanocrystals and rhodamine sensors was established via their spectroscopic analysis and emissive decay dynamics comparison. The binding dynamics of our chemosensors for Cys were revealed to have uncomplicated recognition with a stoichiometric ratio of 1 vs. 1. The addition of cysteine increased the emission intensity of the chemosensors. As a consequence, the luminescence off-on effect with sensing selectivity and linear sensing behavior for Cys was demonstrated. Sulfur modification on our chemosensors was shown to be effective in improving their selectivity and photostability.