主题：【读书笔记】滞胀的年代（上） -- wqnsihs
I just want to point out that domestic chinese bankers are too confident in residential real estate loans (both individual and commercial development ones, what we call CRE here).
I saw several pieces where bankers trashed industrial loans, but were overconfident in residential loans.
China has not experienced a serious business downturn yet. Chinese bankers perceive real estate loas much safer than industrial loans--that could be a serious misperception.
For long time in the English-speaking world, individual residential loans and CRE loans are perceived as one of the most dangerous type of loans. The history can date back to 1920s. The reason that FDR even established Fannie was because bankers refused to lend to individuals over LONG TERM for residential mortgage loans.
that's a lesson learned over 150 years of banking in the North America: I think it is a well-tested lesson for China, who was just 30 years into its capitalistic experiment.
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🙂这不宝推不行了 双羽四足 字8 2011-01-30 09:59:01
🙂我给葡萄大一个信息。 4 云无心而出岫 字331 2011-01-29 18:30:18
🙂对于不良资产管理来讲 2 典韦 字208 2011-02-01 08:00:34
🙂since you are a banker
🙂预测总是预测，但分析现状我们需要的还是目前的数据。 云无心而出岫 字62 2011-02-01 08:19:12