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从我国住房制度改革促进我国住房金融的产生和发展看,发展住房金融是我国商业银行业务的新增长点,当前发展的重点是加强房改资金的归集力度,增加住房开发信贷和消费信贷,盘活银行不良信贷资产。并就住房金融规模问题、机构设置问题、政策性和商业性住房金融配合问题、开发信贷与消费信贷协调问题以及住房金融风险防范问题等进行了探讨。
From China’s housing system reform to promote the emergence and development of housing finance in our country, the development of housing finance is a new growth point for commercial banks in our country. The current development focuses on strengthening the collection of housing reform funds, increasing housing development credit and consumer credit, Bank bad credit assets. And discussed issues such as housing finance scale, institutional setting, policies and commercial housing finance coordination, coordination of developing credit and consumer credit and housing finance risk prevention.