Bank layout loans to save the property market in the adjustment of the financial sector fear savings masa-c

The layout of bank mortgage market adjustment and the financial industry may spare no effort savings risk Sohu financial bank mortgage brand enterprises layout spare no effort is still accelerating blood market adjustment and financial risk of the asset bubble in fear of savings deposits, and bank loans are also involved in the real estate industry is growing fast. On the one hand, the mortgage business has almost become the absolute main force of bank credit in the plate; on the other hand, in the premise of relatively cautious, Bank of residential project brand enterprises layout in a second tier city is still frequent blood transfusion. Insiders said that the first half of this year, the market hot cover up some of the market risk. But the price of " bubble " risk and high personal mortgage leverage risk is gradually accumulated, the property market once adjusted, may bring no small financial risk. If not promptly resolved, it is expected that such risks are likely to focus on the outbreak in 2017. Mortgage loans into the bank’s main lending sector has been disclosed in the report data from the listed banks, the mortgage business has almost become the absolute main bank lending business. Data show that 18 listed banks as of the end of the first half of this year, individual housing mortgage loans totaled $14 trillion and 120 billion, compared with the end of the year rose nearly 20%. Data show that the Construction Bank (5.300, -0.01, -0.19%) the first half of the new individual housing mortgage loans 407 billion 800 million yuan, compared with the end of last year growth of 14.7%, new mortgage loan accounts for the proportion of 97%. China Construction Bank Chairman Wang Hongzhang said that the second half will vigorously develop individual housing mortgage loan business, and accelerate the development of housing provident fund loans. CITIC Bank (6.270, -0.03, -0.48%) data show that in the first half of the housing mortgage loans compared to the end of the growth rate of up to 29.4%. CITIC Bank Deputy General Manager Wang Kang said at the press conference to answer the "Economic Information Daily" reporters, CITIC Bank is " for personal housing mortgage loan business; priority support, give priority to the development of ", but also have certain standards; at the same time, to ensure that risk control. " we also have a white list, the first choice of some more reasonable price, supporting the development of a good; high quality of the development of the real estate developers; first tier cities, relatively stable price of real estate. " Wang Kang said. Industrial Bank (15.930, -0.11, -0.69%) in the first half of 2016, the new $169 billion 807 million of loans, of which 55.3% from the new personal loans. " the second half of the industrial bank will continue to vigorously develop the capital occupation is low, the quality of assets is relatively stable personal housing mortgage loan business. ", general manager of industrial bank risk management department, said Zou Jimin. In fact, many banks are playing cards to increase the intensity of the mortgage market layout. In Tianjin, for example, the current mortgage business to provide all 16 banks offer preferential interest rates, resulting in the first suite in Tianjin, the average interest rate as low as 4.11%. The mortgage business has become the bank credit sector in " " is the meat and potatoes.相关的主题文章: