Competitive in the market economy, the commercial banks to actively develop the housing loan business, financial innovations, though still in its initial development stage, but as a new commercial bank profit growth trend is not whether the home. The commercial banks have innovation, by providing a wide range of repayment of housing loans and other means to grab market share, to establish its strong market position. However, commercial banks in China for the development of the housing loan business management of the legal system is still a mere formality, the real estate bubble growing in the context of the housing loan business commercial bank credit risk, market risk, operational risk and so gradually. The U.S. subprime mortgage crisis is the housing loans to commercial banks risk management issues wake-up call, learn from history, attention to potential risks in this high-quality assets, improve risk management capabilities to enhance our core competitiveness of commercial banks.
打得我的手都斷了，給點分嘛！
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