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在我国商业银行的利润来源中,信贷业务为主要来源之一,也是银行经营中的主要风险。房地产行业在商业银行信贷业务中占据重要比重,同时这一行业融资渠道较为单一,多数是借助银行才能将资金问题成功解决,因此房地产行业的发展对商业银行的信贷风险有重要影响。本文通过分析我国房地产泡沫问题,探讨其对商业银行信贷风险的影响,并提出一些调控策略,以期为广大从业人员提供参考。
Among the profit sources of commercial banks in our country, credit business is one of the main sources and also a major risk in the operation of banks. The real estate industry occupies an important proportion in the credit business of commercial banks. At the same time, the financing channels of this industry are relatively simple. Most of them are banks that can solve the capital problems successfully. Therefore, the development of the real estate industry has an important impact on the credit risk of commercial banks. This article analyzes the real estate bubble in China, discusses its impact on the credit risk of commercial banks, and puts forward some control strategies in order to provide reference for the majority of practitioners.