房产征收是政府为了公共利益的需要,依照法律规定的权限和程序,将单位、个人的房屋及其他不动产变为国家所有,再加以利用的行为。商业银行的房地产多处市镇繁华地段,受城市改造的冲击较大,由于人地关系等因素,话语权不充分,房产被征收往往蒙受损失巨大。因此有必要学习掌握政策法规的新变化,澄清有关问题,依法据理力争,把征收所造成的损失和影响降低到最小程度。一是严格把握征收的法律特征,积极行使程序权利,防止征收被滥用。依照法律的规定,征收及其补偿工作必 The collection of real estate is the government’s need to make public use of the houses and other real estate of units and individuals in accordance with the authorities and procedures prescribed by law for the public interest. Due to the man-land relationship and other factors, the right to speak is not sufficient. Real estate expropriation is often suffered huge losses. Therefore, it is necessary to learn and grasp the new changes in policies and regulations, clarify the relevant issues, work according to law and strive to minimize the losses and impacts caused by the expropriation. First, strictly grasp the legal characteristics of the expropriation, and actively exercise the procedural rights to prevent the expropriation from being abused. In accordance with the provisions of the law, collection and compensation must be