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信贷政策的逐渐宽松与个贷突然爆发小高潮之间,是否存在着必然关系?2015年我国个人住房贷款余额突破14万亿元,全国个人购房贷款余额也水涨船高。截至2015年,我国个人购房贷款余额已经达到了14.18万亿元,2015年至今则新增逾3万亿元,占到了总额的20%左右。被媒体称之为个人住房贷款“一年花了四年的钱”。两会期间多部委表示针对一线城市高房价进行密集表态,警示首付贷等加杠杆风险。个人住房信贷市场调控机制走向令人关注。2015年以来,央行实施宽松信贷政策,在降息
Is there any necessary relationship between the gradual easing of credit policies and the sudden upsurge of personal loans? In 2015, the balance of personal housing loans in our country exceeded 14 trillion yuan and the personal loans to individuals in China also rose. As of 2015, the balance of personal home loans in China reached 14.18 trillion yuan, up by more than 3 trillion yuan since 2015, accounting for about 20% of the total. The media calls it a personal home loan “spent four years a year ”. During the NPC and CPPCC sessions, the ministries and commissions indicated that they would make intensive statements on the high housing prices in the first-tier cities and warn of the downside risks such as down payment loans. Personal housing credit market regulatory mechanism to cause for concern. Since 2015, the central bank has implemented a lenient credit policy to cut interest rates