关于对房地产信贷潜在风险的探讨

随着近几年中国房地产地快速发展,银行的各项房地产贷款也呈现快速增长的势头,对我国经济增长发挥了积极的作用。但随着贷款的增加,潜在的风险也在积聚,而且房地产信贷具有周期长、易受行业景气状况和其他因素影响等特点,因此必须加强风险防范措施,以避免房产信贷潜在风险,促进房地产业健康发展。

Probe into the Potential Real Estate Credit Risk

Along with the rapid development of Chinese land and real estate market in recent years, each item of the real estate credit of the bank is increased rapidly, which plays an active role in the growth of our country's economy. However, in the course of the increase of the credit, the potential risks are accumulated at the same time. And the real estate credit possesses the features of long periodic time, and being easy to be influenced by the boom situation of the industry and other factors, etc. Therefore must strengthen the risk prevention for avoiding the potential risk of the real estate credit and promoting the healthy development of the realty business.