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为增强房地产信贷资产风险防范能力,确保信贷资金安全,目前,各专业银行正在逐步推行房地产抵押贷款业务。但是,由于银行内部信贷管理体制本身所存在的缺陷和外部环境的影响以及人们在认识、操作和管理上的差距,特别是对房地产抵押贷款所具有的流动性风险认识不足,以至造成在具体操作和管理上对其流动性风险没有采取必要的防范措施,导致银行
To enhance the real estate credit assets risk prevention capabilities to ensure the safety of credit funds, at present, the specialized banks are gradually implementing the real estate mortgage loan business. However, due to the inherent defects of the internal credit management system of banks and the external environment, as well as the people’s awareness, operation and management of the gap, especially for real estate mortgage loans have less understanding of the liquidity risk, resulting in specific operations And management did not take the necessary precautions against its liquidity risk, resulting in the bank