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2004年2月26日,中国银监会公布了《商业银行房地产贷款风险管理指引(征求意见稿)》(以下简称《指引》),这是中国银监会成立以来发布的第一个针对行业贷款经营的指引,也是继2003年央行颁布121文后,金融监管部门发出的又一次加强房地产贷款监管的重要信号。我市房地产市场存在问题从实际情况看,我市目前房地产贷款业务主要存在以下几个问题:一
On February 26, 2004, China Banking Regulatory Commission (CBRC) promulgated the “Guidance on Risk Management of Real Estate Loans for Commercial Banks (Draft for Comment)” (the “Guidance”), which is the first guideline issued by the CBRC since the establishment of the bank to deal with industry loans It is also another important signal issued by the financial regulatory authorities to strengthen the regulation of real estate loans following the promulgation of 121 articles by the Central Bank in 2003. The city’s real estate market problems From the actual situation, the city’s current real estate loan business mainly in the following issues: a