房地产商、购房者和商业银行“理性转向”——关于个人住房信贷政策调整后的政策效应调查与思考  

Rational Changes of Real Estate Agency,House Purchasers and Commercial Bank:Survey and Thoughts on the Effect after the Policy Adjustment of Housing Credit

作　　者：课题组 

机构地区：[1]中国人民银行武汉分行金融研究处,湖北武汉430071

出　　处：《湖北经济学院学报》2005年第6期51-56,共6页Journal of Hubei University of Economics

基　　金：中国人民银行武汉分行金融研究处研究课题

摘　　要：2005年3月17日,中国人民银行出台了有关商业银行自营性个人住房贷款新政策,赋予了商业银行更大的自主定价权。对湖北省武汉、宜昌、襄樊和荆州的专项调查表明,总体看政策效应已初步显现,还需采取综合措施加以巩固。The People＇s Bank of China puts into practice of privates housing loan policy in commercial banks on March 17, 2005, which endows commercial banks with the larger pricing power. According to the survey in Wuhan,Yichang and Xiangfan, the policy effect has been apparent and needs to take effect measures to develop.

关 键 词：商业银行 住房贷款 信贷政策 

分 类 号：F832.45[经济管理—金融学]