“商业地产的快速发展为经营性物业抵押贷款的推出提供了适宜的外部环境,房地产企业欢迎银行提供此项创新业务,这项业务当前的较低风险也使其受到银行追捧。但对于银行和监管者来说,明察此项业务中的风险点,采取有效措施将该类贷款的各种风险降到最低,是明智之策。”近年来,经营性物业抵押贷款业务在深圳地区蓬勃发展,多数中资商业银行陆续开展了此项业务。在现场检查中,我们发现 “The rapid development of commercial real estate provides a suitable external environment for the introduction of commercial property mortgage loans, real estate companies welcomed the bank to provide this innovative business, the current low risk of this business also makes it sought after by banks, but for banks And regulators, a clear point of view of the risk of this business, take effective measures to minimize the various types of loan risks, is a wise policy. ”In recent years, the operating real estate mortgage loan business flourish in Shenzhen Development, the majority of Chinese-funded commercial banks have launched this business. In the on-site inspection, we found