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- W1560776377 abstract "Consumer credit – particularly personal consumer loans such as home mortgages and loans financing purchases of automobiles and large durable goods – has developed at a very rapid pace in China over the past decade. With the deepening reform of the house market beginning in 1998, commercial banks began to extend mortgage loans to individuals seeking to buy their own homes. Mortgage loans are now among the best assets held by China’s commercial banks. However, China’s policymakers and regulators are still facing challenges, including a nascent economy-wide credit information system, financial institutions with varying risk management standards and, in recent years, surging house prices. Therefore, in the context of China’s macroprudential policies, the Chinese regulatory authorities have adopted a series of mortgage-related policies and regulations to mitigate and control credit risks and facilitate the healthy development of housing finance, home ownership and housing markets." @default.
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- W1560776377 date "2009-01-01" @default.
- W1560776377 modified "2023-09-27" @default.
- W1560776377 title "Development of consumer credit in China" @default.
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