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自1978年改革开放以来,房地产业的发展一直备受瞩目,商业银行的住房信贷通过对房地产开发、经营和消费全过程提供资金筹集、融通和清算,为房地产业提供了全方位支持,缓解了房地产周期波动,促使跨期消费的实现,有力推动了我国房地产业的全面发展。因此,加强对住房信贷的调控与监管对我国房地产业的发展意义重大。
Since the reform and opening up in 1978, the development of the real estate industry has drawn much attention. The housing finance of commercial banks provides all-round support to the real estate industry through fund raising, financing and liquidation of the whole process of real estate development, operation and consumption, easing The volatility of the real estate cycle, prompting the realization of intertemporal consumption, effectively promoted the all-round development of China’s real estate industry. Therefore, to strengthen the regulation and regulation of housing credit on the development of China’s real estate is of great significance.