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《银行家》:根据央行的最新数据,今年前9个月中资金融机构的住房贷款增长非常快。作为在这方面富有经验的银行,建行主要做了哪些工作? 孙聚贤:建行是国内最早开办房地产金融业务的银行。经过20年的发展,房地产金融业务已经发展成为全行比较重要的一项业务。截止2002年9月30日,全行累计发放个人住房贷款4448亿元,贷款余额为2879亿元,累计贷款户数500多万户,居全国各银行之首。从2000年开始,建行个人住房消费信贷就超过了房地产开发类信贷,到今年9月末,个人住房贷款余额已高于房地产开发类贷款余额 1239亿元。今年1-9月份个人住房贷款新增309亿元,房地产开发类贷款新增了308亿元,其中住房开发类贷款新增占比超过70％。
“Banker”: According to the latest data from the central bank, the growth of home loans of Chinese-funded financial institutions in the first nine months of this year has been very rapid. As an experienced bank in this area, China Construction Bank has done what the main job? Sun Juxian: China Construction Bank is the first to start a real estate banking business. After 20 years of development, the real estate finance business has developed into a more important business of the Bank. As of September 30, 2002, the Bank issued 444.8 billion yuan of personal housing loans in total, with a loan balance of 287.9 billion yuan and a total of over 5 million loan households, ranking the first among all banks in the country. Since 2000, CCB’s personal housing consumer credit exceeded that of real estate development loans. By the end of September this year, the balance of individual housing loans was above the total loans of real estate development by 123.9 billion yuan. From January to September this year, the individual housing loans increased by 30.9 billion yuan and the new loans for real estate development increased by 30.8 billion yuan, of which housing development loans accounted for more than 70%.