论文部分内容阅读
加强住房改革,实现住房商品化和社会化不仅对调整经济结构、增加社会有效需求、解决居民住房困难、确保经济增长目标的实现具有重要意义,同时也给以个人住房消费为对象的住房金融业务发展提供了广阔的空间和庞大的需求。然而,一段时间以来,住房信贷虽已启动,但却提速缓慢,个人住房信贷业务量仍然增长不上去,许多资金只能躺在银行里,几乎失去了对住房商品化的能动作用。究其原因,笔者认为主要有以下几点:1.住房金融组织服务功能尚不健全。山东省目前从事住房金融业务的主体是建设银行和工商银行,加上农业银行和烟台住房储蓄银行,共有基层网点250多个,机构及服务网络覆盖全省。但是金融的服务功能还远不
Strengthening housing reform and realizing housing commercialization and socialization are of great significance not only for adjusting economic structure, increasing social effective demand, solving residential housing difficulties and ensuring the realization of economic growth goals, but also for housing finance businesses targeting individual housing consumption Development provides a vast space and huge demand. However, although housing credit has been activated for some time now, it has been slowed down and the volume of credit for personal housing is still not growing. Many of the funds can only stay in the bank, almost losing the motivation to commercialize housing. The reason, I think the main points are as follows: 1 housing financial services function is not perfect. Shandong Province currently engaged in housing finance business is the main construction Bank and Industrial and Commercial Bank, together with Agricultural Bank of China and Yantai Housing Savings Bank, a total of more than 250 grass-roots outlets, institutions and service networks covering the province. But financial services are far from complete