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中国人民银行4月28日公布了《个人住房担保贷款管理试行办法》(以下简称《办法》)后,各种新闻媒体做了大量报道,对个人住房担保贷款寄予厚望,认为这才是解决我国住房问题的主要手段,甚至给社会造成一种印象:个人住房担保贷款是解决我国住房问题的万能钥匙。 然而作为主要经营中长期信贷的国有商业银行,中国建设银行在办理个人住房担保贷款业务
After the People’s Bank of China promulgated the “Trial Measures for the Management of Personal Housing Secured Loans” on April 28 (hereinafter referred to as the “Measures”), various news media made a large number of reports and placed high hopes on personal housing secured loans. This is the solution to our country’s The main means of housing problems, and even create an impression on society: personal housing guarantee loans to solve our housing problem a master key. However, as a state-owned commercial bank that mainly deals with long-term credit, China Construction Bank is in the process of handling individual housing secured loans