談商業(yè)銀行房地產(chǎn)信貸風(fēng)險及防范-資料下載頁
2025-06-25 02:06本頁面
【正文】 信貸風(fēng)險及其危害性，增強防范信貸風(fēng)險的意識。中央政府應(yīng)創(chuàng)建良好的房地產(chǎn)金融環(huán)境，建立起有效的房地產(chǎn)預(yù)警機制，商業(yè)銀行必須對目前出現(xiàn)的房地產(chǎn)熱要保持清醒的認識，要積極了解認真兩會政府有關(guān)房地產(chǎn)金融的政策和規(guī)定，逐步建立以充分控制房地產(chǎn)信貸風(fēng)險為目標的經(jīng)營管理模式，從規(guī)范操作、降低風(fēng)險、保障運行出發(fā)，合理擴展房地產(chǎn)信貸規(guī)模，有步驟地推進房地產(chǎn)融資向多元化、標準化、優(yōu)質(zhì)化方向發(fā)展。有效地推出“住房抵押貸款證券化”等避險工具，加強自身抗風(fēng)險能力，讓房地產(chǎn)信貸業(yè)務(wù)步入良性經(jīng)營運行的軌道。參考文獻：[1]鹿英姿﹒論房地產(chǎn)金融風(fēng)險及其防范[J]，黑龍江對外經(jīng)貿(mào)，2005（4）[2]張龍﹒中國建設(shè)銀行信貸業(yè)務(wù)手冊[Z]，中國建設(shè)銀行，2000[3]佚名﹒房地產(chǎn)金融風(fēng)險對經(jīng)營的影響及對策[EB/01]，2007[4]楊紹萍﹒宏觀調(diào)控后房地產(chǎn)金融市場形勢分析[J]，中國房地產(chǎn)金融，2006（4）[5]楊躍昆﹒房地產(chǎn)開發(fā)項目貸款營銷、管理中需要注意的幾個問題與對策[J]，中國房地產(chǎn)金融，2006（8）[6]佚名﹒審慎對待當前的房地產(chǎn)熱[EB/01]，2006英文摘要Abstract：In a background of development among the national GDP, urbanization and housing system in China, realty has been facing a rapid development future and being an important factor for national GDP and consumption. Meanwhile, real estate credit business in mercial bank has been going through a fast growth, which has been contributing and supporting the realty business meaningfully. Unreasonable increase of realty is facing unpredictable risks, which has bee a threat for the real estate credit business in mercial bank. So government issued measures against the increase, a real estate pany is required to prepare more own fund. Downpayment for mortgage loan has been increased to 30%. With all measures government plans to make the risk under control, to ensure the credit business function smoothly, and break the threat from the over realty. Therefore, it is theoretically meaningful to study the risk realty. Key words：realty, credit business, risk prevention7 / 8
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