Through house property guaranty obtains loan from the bank, use at buying a house thereby, buy a car, decorate, the utility such as education, it is nearly two years of popular ways. In
Last year in November, the Central Bank ever issued a report, borrow money to guaranty kind of business gave out early-warning, think risk of break a contact had the tendency that look up, ask each bank tightens up the open of mortgage loan business.
However, reporter near future understands, partial bank still is in violate compasses dilate guaranty to consume loan business.
Because why is special funds done not have special
Alleged guaranty consumes loan, it is the individual loan that the commercial bank uses at appointing consumptive utility to what borrower extends, this kind of loan with borrower oneself house property serves as pawn. To borrower, do not need to will oneself house property is sold off can obtain brushstroke fund, and, the house property of guaranty still can rent or live oneself.
In the business of the bank, those who need house property mortgage consuming kind of loan is not one can do big business originally, because superintend an orgnaization to stem from,be on guard loan of risk consideration requirement must have clear use, use at buying a house for instance, buy car, education, travel, decorate, manage wait for narrow range, "Special fund is special " a be business of guaranty consumption loan important characteristic.
Introduce according to the personage inside course of study, buy a room to have mortgage loan, buy a car to the car is borrowed, the travel, education, financing volume that decorates a need is average too won't big, accordingly, business of guaranty consumption loan is in banking Wu what hold share and not quite.
But, be in nearly two years, this did big business impossibly to appear however originally high-speed develops.
The development that Beijing Hu Jie invests advisory limited company to ever consumed loan business to guaranty has been done track.
"We investigate discovery, before October 2007, development of mortgage loan business is very rapid, highest peak is mixed in January 2007 in April, the scale in mortgaging loan borrows money in whole consumption was achieved for a time 52% . " chief analyst Zhang Yin tells advisory limited company of Beijing Hu Jie investment the reporter, in this part loan, have comparatived to enter the channel such as the stock market partly, is not to enter consumptive field.
Zhang Yin feels, if the stock market is going up all the time, this share capital is safer, but if the stock market appears to drop considerably, these loan appear the risk of slow-witted bad Zhang can increase quickly.
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