今年5月底有报纸报道了中国人民银行要求停办零首付和不指定用途消费贷款的消息;与此同时,有个人消费者反映银行住房贷款的商业性贷款期限在实际办理时被控制在20年以内；一些企业财务主管也反映，企业开工充足率提高，流动贷款求旺盛，到商业银行申请贷款的企业排队踊跃，而银行指标有限，企业从银行贷款实际 At the end of May this year, some newspapers reported that the People’s Bank of China required the suspension of zero-down payment and non-earmarked consumer loans. In the meantime, some commercial consumers who refuse to reflect bank home loans are controlled within 20 years of their actual handling of the loan. ; Some corporate treasurers also reflected that the sufficient rate for enterprises to start work to improve, strong demand for mobile loans to the commercial banks to apply for loans of enterprises lining up, and the bank targets are limited, the actual business from the bank loans