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Housing consumption in China there is deep-rooted problems of credit


Consumer credit in accordance with prevailing regulations abroad do, in order to reduce the family's ability to repay consumer credit, housing, housing expenses to income ratio control in general between 28-33%. Among the income of residents includes many non-monetary income and gray income, lenders can not verify the exact calculation and the actual level of income, it can not confirm the eligibility of housing loans to consumers, and therefore impossible to consumer credit for housing effective risk control. Second, the lack of housing sliding fee credit personal credit system is not built as 'personal credit system' Nile sets of personal credit rating, personal credit information,[link widoczny dla zalogowanych], personal bankruptcy system. Ⅲ, especially law and therefore an accurate grasp of personal, individual housing consumer credit in particular for controlling the boat. Third, the lack of the necessary credit guarantee system for housing consumption. As our country's security laws and regulations are not consumer credit for housing assassination jf · provisions, secondary market and the stock of public housing property room to thirty vain market development lags behind. Real estate mortgage loans resulting servants the right to use the right of poor liquidity, consumer credit, consumer when applying for housing can not choose both the form of a guarantee by O; they can not risk lending institutions to provide effective protection. Fourth, the lack of effective policies to ensure that system. Since China is still not healthy business barrier - Housing insurance protection system. Provided there is no government guarantee system. I just do not including real estate securities issued by government agencies for housing bonds. No walking for the mortgage and provide a strong security 1lf: Thousands 【J support. Fifth, the lack of social housing needs of the small layer of respect consumer credit species. By the】 'I smell the one hand, the lack of permanent housing for the consumer credit species of clams; the other hand. Existing housing loan mortgage proportion of the amount of time to pay a small hoop, the interest rate large. Setbacks, especially middle-income friends who cited more class. Number of housing can not meet world demand for consumer credit 13I840 yuan,[link widoczny dla zalogowanych], 187,200 yuan. Can be seen,[link widoczny dla zalogowanych], accounting for 10% of urban households the maximum income families can afford 10 million to t: consumer loans accounted for 30% of households in high-income households and middle to upper 5 million to 10 million by the virtual consumer credit share 20% = in the middle-income household can afford 5 million less consumer credit. And 30% of households not have the capacity of consumer loans. But rather it is up to 30% of the low-income families without housing or aunt should be noted that room and, to the era of the late 9o, constitute factors of consumer demand changes have taken place; 1, residents of declining growth in income, urban and rural per capita significantly reduced the growth rate of real income. From 95% to I993 of 34% in 1997; 2, disposable income increased year by year. A l995 of 1992 the average increase in disposable income growth of 215% of the high-reduced 1996 - 93% in 1997. With health care, education, housing and other reforms in general practice. Estimated to be lower in the future; 3, residents within the income distribution disparities. According to the National Bureau of Statistics survey of 350,[link widoczny dla zalogowanych],000 of the track, of which 10% of the minimum income and 10% of the gap between the highest income households. 2-fold increase from 1981 to 1997, 42 times. 1992, 31% of households received less than last year, expanded to more than 40% in 1997; 4 income sources of the Man falling - Star REALES, rEWORLD is not high and sustained income growth. are largely influenced and restricted, and even hinder the rapid development of consumer credit, housing = Fourth,[link widoczny dla zalogowanych], the formation of the inertia of the traditional planned economy and capital scarce. housing consumption late at night makes credit management philosophy and methods behind, it is difficult to form a scientific decision-making procedures and systems by the traditional planned economy system and the inertia inherent in the formation of the scarcity of capital at this stage the characteristics of the banks offering consumer credit in the housing on. both have some ideas on the conflict. and there is some specific operational problems: its performance: First, the housing loans is difficult to implement the disposal of collateral, the borrower can not repay bank borrowings and collateral for the disposal of housing subject to market and take into account factors such as social stability and security restrictions and is difficult to claim credit, in large part restricted the development of individual housing credit business. Second, the specification has not yet formed a scientific management system of banks, for example: individual housing mortgage loans face a lower down payment amount, interest rate high, procedures are complex, harsh conditions, fees and charges is not reasonable and narrow coverage provisions more stringent security procedures such as difficult to stimulate the conditions of individual housing credit requirements. Third, the bank itself business volume and cost increases, the pen housing loans, borrowers have to go through qualification, collateral, evaluation and registration of collateral, property reflects, third-party worried Lisu
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