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海外市场众多房地产泡沫形成与破灭的案例表明,在房地产市场呈现出周期性波动的过程中,无论房市是迈向高峰还是步入低谷,金融机构在背后所起到的推波助澜的作用都不容忽视。事情还不止如此,当房地产出现非理性繁荣时,一旦某一个特定的时刻来临,金融机构也将被卷入风险的中心。这就是我们经常所看到的,银行乃至整个金融业的业务和风险控制走势常常与房地产业的兴表亦步亦趋、休戚与共。中国的房市,在经历了近十年的高速增长后,已经累积了多少风险?有关中国房地产市场是否出现“拐点”的争论在一定程度上表明了这样一个事实,中国的房市与房贷并非一直处于远离风险的安全地带。对此我们应当警惕起来,我们不能拿目前依旧脆弱的金融体系去冒这样的风险。值得高兴的是,近年来各商业银行已经意识到房市的风险,开始有意识地调整了房贷结构,规范了信贷操作。不过风险的警钟依旧需要长鸣,毕竟,房市与房贷,不仅关乎发展,更关乎民生。
The case of many real estate bubbles in overseas markets, the formation and collapse of the real estate bubble shows that in the cyclical real estate market volatility in the process, whether the housing market is to peak or into the downturn, the financial agencies in the back to play the role of fueling can not be ignored. There is more to it than that. When real estate is irrationally prosperous, financial institutions are also at the center of risk once a particular moment comes. This is what we often see. The business and risk control of banks and the financial industry as a whole are often in harmony with the real estate industry. China’s real estate market, after experiencing nearly a decade of rapid growth, has accumulated a number of risks? Whether the Chinese real estate market is the “turning point” debate to some extent, to show the fact that China’s housing market and mortgage is not Has been in a safe place far from the risk. We should be wary of this, and we can not take this risk with the still fragile financial system. It is gratifying to note that in recent years, commercial banks have realized the risks of the housing market, started to consciously adjust the mortgage structure and regulated the credit operation. However, the alarm bell of risk still needs to be sobbed. After all, the housing market and mortgage loans are not only about development but also about people’s livelihood.