Floor price is in all the time since last year October downhill. But a few days ago, superintendency layer shifts pressure test in the house that becomes a bank on one hand, detect house price drops bank place gets risk case; Approve application of IPO of first landed intermediary on the other hand, put financing of travel estate intermediary, two movements were caused guess.
Superintendency layer asks the room shifts pressure test
As we have learned, drop in eye anteroom price below situation, silver-colored inspect can worry about bank of estate venture impute to, had asked countrywide of all kinds commercial bank undertakes the room borrows pressure to check. Current, the commercial bank of the Hua Na area such as Guangzhou, Shenzhen had begun according to the requirement new round pressure checks.
Personage of interior of some commercial bank tells Shenzhen the reporter, the room borrows a risk to check is a bank " groovy column " , a month or a quarter can be done. But previously, it is the test that the bank does this side actively according to the need of management, and the test that superintends a layer this to give out an instruction to ask the bank makes this field appears do not have interest.
The room borrows pressure to check to turn gradually in estate market roll out when Leng Zhi, current situation of visible building city already caused the attention of superintendency layer.
"Bank of the last few years just begins the test of this respect. This (the room borrows pressure to check) be the do sth for the occasion that house price drops continuously make, the purpose controls a room to borrow namely, reduce break a contact to lead " , feng Ke of director of center of banking of estate of place of Beijing University economy tells a reporter, when price of house of second half of the year is the fiercest last year, concerned branch also asks to had done the test of this respect.
Finance of Chinese people university and Li Yongsen of professor of negotiable securities institute tell a reporter, superintendency layer unites a requirement each commercial bank does test of this kind of pressure, what explain silver-colored inspect can have paid close attention to house price very much is fluctuant, the fluctuant meeting that pays close attention to house price especially brings credit risk to the bank, the bank should prevent to do the work of sex of a few foundations from the angle that be on guard.
Check result bank closely guard a secret
According to reporter understanding, bank respect does this kind of pressure actively to check to already had a few single-page calendar history, but its result bank was not made public to the outside all the time.
Personage of interior of some commercial bank tells Shenzhen the reporter, the bank introduced grading to block a system. Price of systematic imitate house drops different level make imitate kill, if house price drops 10% , 20% or 30% hind, agree of photograph of bank credit system gets the rate of the risk.
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