银行个人房贷的创新产品越来越多,房贷市场一片繁荣景象。但同时,过度竞争也为各银行埋下隐患近期,一系列信贷新政的出台吹响了房地产市场宏观调控的号角。央行4月28日上调贷款利率后,银监会再念“紧箍咒”,对商业银行房地产信贷进一步提出指导意见,将房地产贷款的风险权重(个 Bank of personal loans more and more innovative products, the mortgage market is booming. But at the same time, excessive competition has also hidden dangers for banks. Recently, the introduction of a series of new credit policies blew the horn of macro-control over the real estate market. After the central bank raised the lending rate on April 28, the CBRC further read the “compulsion spell” to provide further guidance on the real estate credit of commercial banks. The risk weight of real estate loans