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随着我国个人住房改革的逐步深化 ,个人住房贷款业务也取得了很快的发展。住房改革是关系到国计民生、社会团结安定的大事 ,它的成功与否将对我国的经济改革和政治改革起到巨大的影响。作为一个新的贷款品种 ,其对银行的影响也是举足轻重的 ,而个人住房贷款政策变动又比较频繁 ,它的变动将影响银行业务、房地产市场的发展。以 1 999年 9月 2 1日中国人民银行出台的新的个人住房贷款政策为背景 ,以利率和年限为出发点 ,从当前我国宏观经济情况、近期经济政策变动等方面论述了对银行有利的、不利的影响 ,并做出相应的经营策略的调整 ,使个人住房贷款业务高速、安全、健康的发展
With the gradual deepening of China’s personal housing reform, personal housing loan business has also made rapid development. Housing reform is a major event that has an impact on national economy and the people’s livelihood and social solidarity and stability. Its success or failure will have a tremendous impact on China’s economic reform and political reform. As a new type of loan, its impact on the bank is also significant, while personal housing loan policy changes more frequently, and its changes will affect the banking and real estate market. Taking the new personal housing loan policy promulgated by the People’s Bank of China on September 21, 1999 as the background and taking the interest rates and years of service as the starting point, this article discusses the favorable conditions for banks in terms of the current macroeconomic conditions in our country and the recent changes in economic policies. Unfavorable impact, and make the appropriate adjustment of business strategy, so that personal housing loan business high-speed, safe and healthy development