住房信贷中存在的问题及对策

The Problems and the Countermeasures in Itousing Credit

房地产作为一个新兴产业,一度成为国民经济的支柱产业,但由于房地产信贷期限较长和人们对经济形势的盲目乐观,造成严重的房地产投资泡沫,给银行增加了很大的经营压力,银行如何走出资金运营低谷,提高经营效率是目前亟待解决的问题。

Housing industry - a rising industry - has ever been one of mainstay industries. But the fact that its loan term is quite long and people have been unrealistical optimistic to the economic situation leads to a serious 'empty'investment into housing industry and brings great pressure to bear on management in Banks. Therefore, banks now are facing to get rid of the difficult situation of capital operation and raise efficiency of management.