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　　三九養(yǎng)生堂記者 鄧肯·蓋伊 報道

精彩|　　要??(yao)在??(zai)市??(shi)場??(chang)化??(hua)、法??(fa)治??(zhi)化??(hua)的??(de)前?(qian)提??(ti)下??(xia)??，規(guī)??(gui)范??(fan)貸??(dai)款??(kuan)利??(li)率??(lv)定??(ding)價??(jia)秩秘(zhi)序??(xu)??，由??(you)商??(shang)業(yè)??(ye)銀??(yin)行??(xing)與??(yu)借??(jie)款??(kuan)人??(ren)平?(ping)等??(deng)、自??(zi)主??(zhu)、友??(you)好??(hao)協(xié)??(xie)商??(shang)??，促??(cu)進??(jin)存??(cun)量??(liang)房??(fang)貸??(dai)利??(li)率??(lv)下??(xia)行??(xing)??。??對??(dui)商??(shang)業(yè)??(ye)銀??(yin)行?(xing)來?(lai)說??(shuo)??，應??(ying)根??(gen)據(jù)??(ju)相?(xiang)關(guān)??(guan)部??(bu)門??(men)的??(de)指??(zhi)引??(yin)、操??(cao)作??(zuo)細?(xi)則??(ze)和??(he)自??(zi)身??(shen)經(jīng)??(jing)營??(ying)狀??(zhuang)況??(kuang)??，針??(zhen)對??(dui)借??(jie)款??(kuan)人??(ren)的??(de)存??(cun)量??(liang)房??(fang)貸??(dai)利??(li)率??(lv)、房??(fang)貸??(dai)本??(ben)金?(jin)規(guī)?(gui)模??(mo)、資??(zi)產(chǎn)??(chan)質(zhì)??(zhi)量??(liang)、信??(xin)用?(yong)記??(ji)錄??(lu)、風??(feng)險??(xian)等??(deng)級??(ji)、還??(hai)款?(kuan)能??(neng)力??(li)等??(deng)情??(qing)況??(kuang)進?(jin)行??(xing)準??(zhun)確??(que)評??(ping)估??(gu)??，以?(yi)明??(ming)確??(que)利??(li)率??(lv)調(diào)??(tiao)整??(zheng)的??(de)標??(biao)準??(zhun)、條??(tiao)件??(jian)和??(he)范??(fan)圍?(wei)??，并?(bing)實??(shi)行??(xing)區(qū)??(qu)別??(bie)化??(hua)確??(que)定??(ding)定??(ding)價??(jia)、差??(cha)異??(yi)化??(hua)抵??(di)押??(ya)策??(ce)略??(lve)、動??(dong)態(tài)??(tai)化??(hua)調(diào)??(tiao)整??(zheng)風??(feng)險??(xian)控??(kong)制??(zhi)??，避??(bi)免??(mian)一??(yi)刀??(dao)切??(qie)、一??(yi)陣??(zhen)風??(feng)、一??(yi)頭??(tou)熱??(re)??，在??(zai)貸??(dai)前??(qian)調(diào)??(tiao)查??(zha)和??(he)貸??(dai)后??(hou)跟??(gen)蹤??(zong)環(huán)??(huan)節(jié)??(jie)做??(zuo)好??(hao)相??(xiang)關(guān)??(guan)配?(pei)套??(tao)工?(gong)作??(zuo)???！　《??(er)季??(ji)度??(du)末??(mo)??，商??(shang)業(yè)??(ye)銀??(yin)行??(xing)凈??(jing)息??(xi)差??(cha)為??(wei)1.74%??，與??(yu)上??(shang)季??(ji)度??(du)持??(chi)平??(ping)??，繼??(ji)續(xù)??(xu)處??(chu)于??(yu)有??(you)歷??(li)史??(shi)記??(ji)錄??(lu)以??(yi)來??(lai)的??(de)低??(di)位??(wei)??。??只?(zhi)要??(yao)做??(zuo)到??(dao)有??(you)序??(xu)調(diào)??(tiao)整??(zheng)存??(cun)款??(kuan)利??(li)率??(lv)、有??(you)效?(xiao)控??(kong)制??(zhi)負??(fu)債??(zhai)成??(cheng)本??(ben)、把??(ba)息??(xi)差??(cha)保??(bao)持??(chi)在??(zai)合??(he)理??(li)水??(shui)平??(ping)??，商??(shang)業(yè)??(ye)銀??(yin)行??(xing)就?(jiu)可??(ke)以??(yi)在??(zai)主??(zhu)動??(dong)靈??(ling)活??(huo)下??(xia)調(diào)??(tiao)房??(fang)貸??(dai)利??(li)率??(lv)、讓??(rang)利??(li)實??(shi)體??(ti)經(jīng)??(jing)濟??(ji)和??(he)穩(wěn)??(wen)定??(ding)資?(zi)產(chǎn)??(chan)負??(fu)債??(zhai)表??(biao)、做??(zuo)好??(hao)做??(zuo)細??(xi)做??(zuo)實??(shi)風??(feng)險??(xian)管??(guan)理??(li)之??(zhi)間??(jian)取??(qu)得??(de)平??(ping)衡??(heng)??，就??(jiu)可??(ke)以??(yi)保??(bao)持??(chi)合??(he)理??(li)利??(li)潤?(run)和?(he)凈??(jing)息??(xi)差??(cha)水??(shui)平??(ping)、維??(wei)持??(chi)穩(wěn)??(wen)健??(jian)經(jīng)??(jing)營??(ying)、防?(fang)范??(fan)金??(jin)融??(rong)風??(feng)險??(xian)??，以??(yi)增??(zeng)強??(qiang)商??(shang)業(yè)??(ye)銀??(yin)行??(xing)支??(zhi)持??(chi)實??(shi)體??(ti)經(jīng)?(jing)濟??(ji)的??(de)可??(ke)持??(chi)續(xù)??(xu)性??(xing)??。

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