主要上市银行房地产信贷特点分析

发布时间：2018-03-08 18:19

本文选题：房地产信贷　切入点：上市银行　出处：《银行家》2014年05期 　论文类型：期刊论文

【摘要】：正2009年底以来,房地产信贷一直面临偏紧的政策环境,2013年初新国五条以及同年7月份的利率新政(央行取消贷款利率下限,但房贷利率政策不变)似乎显示,最高决策层对房地产信货的打压政策导向并没有发生改变。但这一年的房地产信贷走势是否能够同步反映房地产信贷政策导向呢?如果不同步,那么该给予如何的解释?本文以中国工商银行、中国农业银行、中国建设银行、中国银行、交通银行、中信银行、中国民生银行、招商银行、浦发银行,平安银行以及兴业银行(以下分别简称工行、农行、建行、中行、交行、中信、民生、招商、浦发、平安、兴业)11家上市银行(本文截稿时,中国光大银行及华夏银行还未公布其年报)为例进行市政描述和分析。
[Abstract]:Since end of 2009, real estate credit has been facing a tight policy environment. The five new policies in the new country in early 2013 and the new policy on interest rates in July of the same year (the central bank lifted the lower limit of the lending rate, but the policy on mortgage rates remained unchanged) seems to show. The top decision makers on the real estate credit policy direction has not changed. But this year's real estate credit trends can reflect the real estate credit policy direction? If not, what is the explanation? This paper uses Industrial and Commercial Bank of China, Agricultural Bank of China, China Construction Bank, Bank of China, Bank of Communications, CITIC Bank, Minsheng Bank of China, China Merchants Bank, Pudong Development Bank, Ping an Bank and Industrial and Commercial Bank (ICBC). Agricultural Bank, China Construction Bank, Bank of China, Bank of Communications, Citic, people's livelihood, China Merchants, Pudong Development, Ping an, Societe Generale, 11 listed banks (at the time of this paper, Everbright Bank of China and Huaxia Bank have not published their annual reports) for municipal description and analysis.
【作者单位】：中国社科院财贸所;中国人民银行朝阳市中心支行;
【分类号】：F832.4;F832.51

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