Real estate credit control second waves hit the bank to test the downward pressure on housing prices easeljs

The second wave of the real estate credit control bank struck down the price of the test pressure fell Sina fund exposure platform: letter Phi lag behind false propaganda, the performance of long-term lower than similar products, how to buy funds pit? Click [I want to complain], Sina help you expose them! Following the purchase of more than during the national day, the property market and then welcome credit regulation storm. The day before, the central bank held a conference on housing credit of commercial banks, strengthen the credit structure adjustment of the commercial banks, strengthen the management of the housing credit, loan risk control related. In order to prevent the risk of falling house prices to the financial system, some places have begun to test the pressure on banks to drop prices. In this round of rapid growth in house prices momentum, regulators are concerned about the impact of the mortgage business on the stability of bank assets, a new round of stress tests have been carried out. In order to prevent the impact of falling house prices on the stability of the financial system, some cities have completed or embarked on stress tests. Beijing Chinese commercial news reporter was informed that a first tier cities have now completed the stress test, according to informed sources, the conclusion of this round of testing, in the city’s banking sector to withstand the pressure of 40% of mortgage fell. For this test indicators, the city firm said that this test is a hypothesis in theory, but to show the worst case, there is no need to be overly pessimistic. In his view, regulators just carried out a risk warning, the banks will be adjusted for their own characteristics. For banks may take measures to tighten the mortgage, the city firm who introduced, if the bank is expected to house prices will fall, may be related to the total amount of mortgage control. Such as improving customer access threshold, more investigation of customer credit, economy, etc.. In addition, banks are also appropriate to cover the risk of income, such as raising mortgage rates, etc.. In fact, in September of this year, regulators on the real estate credit pressure test. In addition to risk testing, regulators are stepping up efforts to regulate the property market. Crazy for the property market, regulators choose to strengthen the macro Prudential Management of housing finance. Beijing Daily reporter learned from the bankers at the afternoon of October 12th, the central bank called the 5 state-owned big firms and 12 joint-stock bank executives and loan balance, general manager held a meeting to convey the housing credit of commercial banks, real estate regulation of the spirit of the meeting. The central bank requires commercial banks to treat the property market, strengthen the credit structure adjustment, strengthen the management of housing credit, control the risk of related loans. For the central bank’s move, E-House Research Institute think tank Research Center Director Yan Yuejin said that the central bank should be said to open a second prelude to policy tightening, which previously is the introduction of the Department of housing purchase policy, which belongs to the 1 version of the overall policy. While the central bank and financial institutions policy can be considered as the 2 version, in the credit scale, structural adjustment is expected to follow at the same time, there will be 3 versions, namely the fiscal policy will have to tighten or overweight practices. It is understood that the regulatory authorities will strengthen supervision and inspection, to strengthen the financial institutions housing finance business of bank self-discipline mechanism guidance, strengthen macro Prudential assessment (MPA) constraints, constraints put to commercial bank credit to the property market theory相关的主题文章: