金融支持房地产去库存面临的制约因素——以吉林省为例

The Constraints of Financial on Reducing the Number of Unsold Homes——Base on Jilin Province

房地产去库存是2016年经济工作的重要任务之一。房地产去库存难以离开金融的支持。经调查,吉林省各银行机构在2015年积极支持居民贷款买房,促进了房地产去库存,但目前仍存在一些制约金融支持吉林省房地产去库存的因素。如,个人住房信贷产品创新不足、个人住房贷款不良率持续上升、信息共享机制不完善等影响了金融支持房地产去库存作用的发挥。

Reducing the number of unsold homes is difficult without the financial support, which is one of the important tasks of economic work in 2016. Through investigation, we know banks in Jilin Province supported actively residents to buy a house in 2015 and promoted reducing the number of unsold homes. There are still some constraints on reducing the number of unsold homes in Jilin Province. For example, innovation in individual housing loans is insufficient, nonperforming rate of individual housing loans is climbing up continuously, the information shared mechanism is not perfect. Those factors restrict financial performing on reducing the number of unsold homes.