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个人住房贷款作为房地产金融的龙头业务和建设银行零售业务的主要支撑点 ,现仍处于起步阶段 ,许多问题还需在实践中不断探索。在其具体运作过程中 ,存在着许多信贷风险 ,会给银行带来经济损失。因此 ,必须加强管理 ,采取行之有效的风险防范手段 ,加大改革力度 ,创新金融品种 ,以防范和化解风险。保证此项业务健康快速发展 ,在更大程度和范围上满足居民住房消费信贷需求。
As the leading real estate finance business and the main support point of CCB’s retail business, individual housing loans are still in their infancy and many problems need to be constantly explored in practice. In its concrete operation, there are many credit risks, which will bring bank economic losses. Therefore, we must strengthen management, adopt effective risk prevention measures, intensify reform and innovate financial varieties to prevent and resolve risks. To ensure the healthy and rapid development of this business, to a greater extent and range of residential consumer credit to meet the demand.