个人信贷业务在房地产市场的作用及风险规避

The Function and Risk Aversion of Personal Credit Business in the Real Estate Market

个人信贷业务对推动房地产业的蓬勃发展,具有较大的促进作用。但也不可避免存在一定的市场风险。通过对个人信贷业务在房地产市场所起的作用以及存在的风险进行分析,从中可以研发出规避和防范个人住房信贷业务风险的若干策略,用以做好银行的个人住房信贷业务工作,避免遭受因个人住房信贷业务风险带来的损失。

Personal credit business for the real estate industry to promote the vigorous development, with a larger role in promoting. However, the personal credit business still carries some market risk. The author aims to makes a detailed analysis on the personal credit business plays in the role of the real estate market and the existence of the risk, and puts forward some countermeasures to avoid and prevent the risk of individual housing credit business, do a good job of individual housing credit business to work for the bank, avoid losses due to individual housing credit risks and provide a useful reference.