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近年来,在高房价的背景下,平阴县商业银行将大量信贷资金投放于房地产领域,特别是2009年和2010年间,在房价上涨时期发放大量个人住房贷款。银行信贷资金与房地产的紧密联系,一方面是银行资本推动经济增长的同时为银行带来了盈利,而另一方面,商业银行对房地产行业持续大量投放贷款必然导致商业银行金融风险集聚。商业银行的个人住房信贷风险威胁着商业银行的持续经营甚至是金融市场的稳定。2008年美国次级贷款危机的诱因正是房价下跌、房地产政策收紧
In recent years, under the background of high housing prices, Pingyin Commercial Bank put a large amount of credit funds into the real estate field, especially in 2009 and 2010, during the period of rising house prices, it issued a large amount of individual housing loans. The close connection between bank credit funds and real estate, on the one hand, brings bank profits to banks through bank capital while economic growth on the other hand. On the other hand, continuous commercial banks ’loans to the real estate industry will inevitably lead to the accumulation of commercial banks’ financial risks. The risk of personal housing credit of commercial banks threatens the continuous operation of commercial banks and even the stability of financial markets. The causes of the crisis of the U.S. subprime mortgage crisis in 2008 were precisely the drop in housing prices and the tightening of real estate policies