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1998年以后,随着国家住房改革的逐步推进,个人住房贷款需求也呈不断上升趋势,个人住房贷款业务收入成为商业银行非常重要的利润来源。为了争夺客户,各家银行不断提高服务质量和增加服务品种,但也存在违规操作和贷款盲目扩张的现象,贷款风险也不断上升。本文从目前个人住房贷款发展现状出发,对个人房贷业务的可持续发展提出了几点看法。
Since 1998, with the gradual promotion of national housing reform, the demand for individual housing loans has also been on the rise. The income from personal housing loans has become a very important source of profits for commercial banks. In order to compete for customers, banks continue to improve service quality and service varieties, but there are also illegal operations and loans blind expansion of the phenomenon, the loan risk is also rising. This article from the current personal housing loan development status quo, the individual mortgage business sustainable development made a few observations.