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有“地产新政”之称的《关于进一步加强房地产信贷业务管理的通知》(银发121号)于6月13日出台后,犹如在京城房地产界引起一场地震,业界大哗。有人说,北京楼市将面临资金链断裂的危险;有人认为,它将使一批中小房地产企业面临考验;也有人说,它将抬高房地产企业入市门槛,最终导致供应量的减少而使房价上涨;也有人认为,它最终打击的是北京房地产的需求市场;更有人说它是地产界的“整肃令” ,并预言“地产界的严冬到来”……有分析人士认为,从金融业对于国民经济的重要作用来看,新的房地产金融政策有着很积极的意义,如强调房地产开发企业自有资金的比例,避免房地产一个开发项目多重贷款等措施,对于挤压、消除泡沫都会产生现实的作用。但是,一旦脱离生产环节,涉及与市场更密切的消费环节,就显示出了我国金融体制改革总体上稍显滞后,金融政策形成缺乏相对的独立性。房地产业对国民经济的发展做出的巨大贡献有目共睹,房地产业已成为国民经济的支柱产业之一,房地产业与金融的关系密切,有“半个金融业 ”之称,而金融业也离不开房地产。银行与房地产商到底如何实现双赢?央行出台房地产信贷新政策的初衷是什么?银行房贷业务面临哪些新的课题?银行如何支持房地产市场的发展又防止产生新的风险?房地产市场的健康发展需
The Circular on Further Strengthening the Administration of Real Estate Credit Business (Yinfa 121), which is called “New Deal of Real Estate,” was launched on June 13 as if an earthquake was caused in the real estate industry in the capital and the industry was uproar. Some people say that the property market in Beijing will face the risk of breaking the capital chain; some people think that it will make a group of small and medium-sized real estate enterprises facing the test; others say it will raise the threshold for real estate companies entering the market, eventually leading to reduced supply and property prices ; Some people think that it is the final blow to the real estate market demand in Beijing; Some people say it is the real estate industry, “purge orders” and predicted “the real estate industry winter come.” Some analysts believe that from the financial industry for the nationals The important role of economy, the new real estate financial policy has a very positive significance, such as emphasizing the proportion of real estate development enterprises own funds, real estate development to avoid multiple loans and other measures to squeeze and eliminate the bubble will have a real effect . However, once it departs from the production link and involves more closely related consumption links with the market, it shows that the overall reform of China’s financial system lags behind and lacks the relative independence of the formation of financial policies. It is obvious to all that the real estate industry has made great contributions to the development of the national economy. The real estate industry has become one of the pillar industries in the national economy. The real estate industry is closely related to finance and is called “half of the financial industry,” while the financial industry can not be separated from it. real estate. Bank and real estate business in the end how to achieve a win-win? The central bank introduced the new purpose of the real estate credit policy is what? Banks mortgage business is facing what new issues? Bank how to support the real estate market and prevent the development of new risks? The healthy development of the real estate market to be