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随着本轮由次贷危机引发的全球金融危机不断扩展和深化,我国宏观经济和房地产市场均步入周期性调整,商业银行个人住房贷款业务发展及风险防控面临重大挑战。目前楼市“价升”情形很大程度上与大量信贷资金注入的流动性有关。随着2009年末以来,“国四条”、“国十九条”、“新国十条”和“9.29新政”等房地产调控政策的推出和落实,房价上涨的势头必将
As the global financial crisis triggered by the subprime mortgage crisis is constantly expanding and deepening, the macroeconomic and real estate markets in our country are undergoing cyclical adjustments. The development of commercial housing loans and risk prevention and control of commercial banks are facing major challenges. The current property market “price rise ” situation to a large extent with a large amount of liquidity into the credit funds related. With the introduction and implementation of real estate control policies such as the “National Article Four,” “the Nineteen Articles,” “the New Nation Ten Articles,” and the “9.29 New Deal” since the end of 2009, the trend of rising house prices will