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作为商业银行利润的一个新增长点——消费信贷特别是房地产个人消费贷款近年来有了长足的发展。四大国有商业银行的分行有很多已经形成了房地产个人消费贷款数十亿元人民币的规模,以上状况使银行的决策层感到欣喜的同时,不禁又带来了以下忧虑:个人住房消费贷款的期限一般较长,个人还完银行贷款一般都得需要10～20年左右时间,这就使商业银行的短期信贷资金大量被占用,影响了银行资金运作的流动性,进而又影响了银行经营的盈利性与安全性。为了解决以上矛盾,商业银
As a new growth point of commercial bank profits, consumer credit, especially real estate personal consumer loans, have made great strides in recent years. Many branches of the four state-owned commercial banks have formed the scale of billions of RMB of personal consumer loans for real estate. While the above conditions are exasperating the bank’s decision-makers, they can not help but bring the following worries: The duration of consumer loans for personal housing Generally longer, individuals generally have to take bank loans 10 to 20 years or so, which makes a lot of short-term commercial bank credit funds are occupied, affecting the liquidity of bank funds, which in turn affect the profitability of bank operations Sexuality and safety. In order to solve the above contradiction, commercial silver