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个人住房公积金贷款作为政策性个人住房贷款品种,有自己特定的客户群体,但作为住房贷款市场产品中的一员,同样面临着市场竞争压力。如何能够保持并努力提高公积金贷款在住房市场中的份额,使之成为广大职工住房贷款的首选,应该是住房公积金中心中心提高住房公积金管理水平的一个重要方面。本文将从住房贷款市场份额影响因素分析、存在问题及提高市场份额的具体措施三个部分进行分析和研究,以期为公积金贷款发展方向和业务开展提供参考和借鉴。
Individual housing provident fund loans as a policy of individual housing loans varieties, have their own specific customer base, but as a member of the housing loan market products, also face the pressure of market competition. How to maintain and improve the share of provident fund loans in the housing market, making it the first choice for the majority of workers’ housing loans, should be an important aspect of housing provident fund center to improve the management level of housing provident fund. This article will analyze and study the influential factors of housing loan market share, existing problems and specific measures to increase market share in order to provide reference and reference for the development direction and business development of provident fund loans.