政府调控房价政策下的银行房地产信贷研究

The Real Estate Credit of Bank under the Government Price Regulation Policy

依据国家统计局、中国人民银行发布的房地产市场以及房地产金融方面的统计资料,对近几年政府调控房价政策下我国房地产开发贷款、个人住房贷款余额变化以及在银行业贷款总额的占比等进行了分析,并对金融机构房地产信贷风险进行了评估。

According to the statistics about the real estate market and financial aspects of real estate issued by State Statistical Bureau and the people＇s Bank of China, the changes of the China＇s real estate development loans and individual housing loans under the government price regulation policy in recent years as well as the banking loans ratio were analyzed, and the real estate credit risk assessment of financial institutions was made.