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为应对国际金融危机造成的冲击,促进国内需求,拉动经济增长,我国政府对房地产调控政策进行了调整。房地产新政在影响房地产市场的同时,也对商业银行的房贷业务产生了多方面影响。为应对房地产新政带来的挑战,商业银行应密切关注政策变化,切实提高定价能力和风险防控能力,在巩固存量客户的同时,积极拓展新增客户,调整房贷业务结构,创新产品和服务,努力增强市场竞争力。
In order to cope with the impact caused by the international financial crisis, promote domestic demand and stimulate economic growth, our government has adjusted its real estate control policies. Real Estate Deal in the real estate market, while affecting the real estate mortgage business also had a multifaceted impact on commercial banks. To cope with the challenges posed by the New Deal in real estate, commercial banks should pay close attention to changes in policies and effectively improve their pricing power and risk prevention and control capabilities. While consolidating their existing stock of customers, commercial banks should actively expand new customers, adjust mortgage business structure, innovate products and services, Efforts to enhance market competitiveness.