5月下旬,中国人民银行决 定停止商业银行发放“零首付”居民住房贷款和不问用途综合消费贷款。这一措施,对于当前加强整顿金融秩序,维护公平竞争的经营环境,防止在消费信贷中的恶性竞争,有着十分明显的现实意义。 “零首付”居民住房贷款、不问用途综合消费贷款,是去年下半年以来多家商业银行 In late May, the People’s Bank of China decided to stop commercial banks from issuing “zero down payment” residential mortgage loans and non-specific general consumer loans. This measure is of great realistic significance for the current strengthening of the financial order rectification, the maintenance of fair competition in the business environment and the prevention of vicious competition in consumer credit. “Zero down payment” residential mortgage loans, regardless of the use of consumer loans, since the second half of last year a number of commercial banks