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6月13日,中国人民银行发布《关于进一步加强房地产信贷业务管理的通知》(银发[2003]121号)。该通知涉及的内容,几乎涵盖了房地产信贷的全过程,包括开发商开发贷款、土地储备贷款和个人住房贷款等各个环节。此举在社会上引起强烈反响。各种质疑声、回辩声此起彼伏,煞是热闹。近日,本刊记者走访了银行机构的专业人士,请他来谈谈新规出台后,作为商业银行如何看待121号文件?准备如何行动?
On June 13, the People’s Bank of China released the Notice on Further Strengthening the Administration of Real Estate Credit Business (Yin Fa [2003] No. 121). The notice covers almost the entire process of real estate credit, including developer development loans, land bank loans and personal housing loans and other links. The move has aroused strong repercussions in the community. A variety of voices of doubt, one after another defense, evil spirit is lively. Recently, our correspondents visited professionals in banking institutions, asked him to talk about the introduction of the new regulations, as a commercial bank how to treat Document No. 121? How to prepare?