香港银行业防范房地产信贷风险的经验及启示

Experience of HK Banking Industry in Preventing against Real Estate Credit Risk and its Enlightenments

房地产贷款是香港银行业的主要盈利来源。亚洲金融危机期间,香港物业价格大幅下跌,导致大量的负资产按揭贷款。然而,在如此严峻的形势下,香港银行业依然稳健,没有出现银行倒闭或要求政府提供财政援助的情况。研究香港银行业及监管部门成功应对房地产价格波动的经验,对于内地银行业防范房地产价格波动带来的危机,有着重要的意义。

Real estate loan is the main profit source for Hong Kong banking industry. During Asia financial crisis, prices of real property greatly declined, bringing to lots of negative asset mortgage loans. However, in so serious a situation, Hong Kong banking industry was still sound, with no cases of bank closing door or seeking fiscal aid from the government. Studying the experience of Hong Kong banking industry and its regulatory sectors successfully dealing with the fluctuation of real estate prices is of great significance for the mainland of China banking industry to prevent against the crisis brought by the real estate price fluctuation.