次贷危机对我国商业银行个人住房消费信贷的启示 - 免费下载 关键词：次贷危机；个人住房消费贷款；银行 [gap=1540]Key words： Subprime Lending Crisis; Individual Consumer Housing Loans; Banks
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同时市场利率的波动对个人住房消费贷款也有重要的影响。
At the same time the market interest rate fluctuations also have great impact on the personal housing consumption loan.
当然，监管部门发出的“指南”是不是为了抑制个人住房消费，但主要目的是为了控制风险，银行贷款。
Of course, the regulators issued the "Guidelines" is not in order to suppress individual housing consumption, but mainly in order to control the risk of bank loans.
个人住房抵押贷款作为启动住房消费的有效措施之一，近年来已有了长足发展。
As an effective means to stir up residential consumption, residential Mortgage Loan has been developed very quickly in recent years.
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