一、房地产信贷推行资产负债比例管理的意义 1.住房制度改革的不断深入,要求房地产信贷部实行资产负债比例管理。社会主义市场经济体制确立以后,住房制度改革的步伐不断加快,迫切要求房地产信贷部加速融通住房资金,扩大住房建设资金的再投入。一味沿用传统的信贷限额管理办法,信贷计划由丰初核定,多存不能多贷,不利于房改的深入和住房建设的更快发展。推行资产负债比例管理,优化资产负债结构,由负债制约资产规模,灵活机动,科学经营,有利于增强信贷资产的安全性、流动性、盈利性、实现住房建 First, the implementation of the real estate credit asset-liability ratio management significance 1 housing system reform deepening, requiring the implementation of real estate credit ratio management of assets and liabilities. After the establishment of the socialist market economic system, the pace of housing reform has been accelerating. We urge the Ministry of Real Estate and Credit to speed up the financing of housing and expand the reinvestment of housing construction funds. Blindly follow the traditional credit limit management approach, the credit plan approved by the early Feng, multi-credit can not be extended, is not conducive to the deepening of housing reform and housing construction faster development. Promote asset-liability ratio management, optimize assets and liabilities structure, control assets scale by liabilities, agitate and operate scientifically, help to enhance the safety, liquidity and profitability of credit assets, and realize housing construction