| 中国房地产业发展趋势和商业银行的长期策略 |
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| 引用本文： | 中国工商银行城市金融研究所课题组,樊志刚,王祺,罗煜. 中国房地产业发展趋势和商业银行的长期策略[J]. 金融论坛, 2010, 0(8) |
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| 作者姓名： | 中国工商银行城市金融研究所课题组 樊志刚 王祺 罗煜 |
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| 摘 要： | 目前房地产已成为中国经济的支柱产业,同时资金流量分析表明房地产又不应成为主导产业。长期来看,城市化、人口增长和存量需求释放等刚性和扩张需求,将推动中国房地产行业持续发展,短期内价格暴涨和长时间涨速过快是不合理的。中国房地产市场短期内出现严重衰退的可能性不大,银行面对的风险仍然可控,但仍需注意政策调整的风险。商业银行仍应将房地产市场作为重要业务领域,有重点、有区别拓展;适度控制房地产贷款增速、总量及占比;建立对房地产贷款的全过程监管制度;探索房地产贷款以外的金融创新形式。
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| 关 键 词： | 房地产业 商业银行 房地产贷款 风险防范 |
The Development Trend of Chinese Real Estate Industry and Commercial Bank's Long-Term Strategy |
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| The Study Group of ICBC Urban Finance Research Institute. The Development Trend of Chinese Real Estate Industry and Commercial Bank's Long-Term Strategy[J]. Finance Forum, 2010, 0(8) |
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| Authors: | The Study Group of ICBC Urban Finance Research Institute |
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| Affiliation: | The Study Group of ICBC Urban Finance Research Institute |
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| Abstract: | Currently,real estate becomes a pillar industry in China' s economy,while the analysis of fund flow shows that it should not be a leading industry.In the long term,the rigid and expansing needs,resulting from the urbanization, the growth and stock of population,will promote the continuous development of Chinese real estate industry.Price inflation in a short time and price rising too fast in a long time are unreasonable.In the short term,it is unlikely that Chinese real estate market will experience a serio... |
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| Keywords: | real estate industry commercial bank real estate loan risk prevention |
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