@南充人，9月起，贷款行业迎来巨震，买房或越来越难了…
<p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><span class="" data-positionback="static" style="top: auto; left: auto; right: auto; bottom: auto;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161928q3d3icg06w36d0wd.jpg" data-fail="0" style="top: auto; left: auto; right: auto; bottom: auto; zoom: 1.14286; visibility: visible !important; width: 100%;"/></span><br/></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">虽然贷款额度紧张、利率上浮早已不是什么新鲜话题，但2018年这种态势不见缓解，甚至愈演愈烈。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">自9月1日起，贷款行业将迎来一次巨震，越来越多的人将知道什么叫“贷款难，难于上青天”！</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-top: 5px; text-align: center;"><section style="margin-left: 5px; border-width: 1px; border-style: solid; border-color: rgb(62, 62, 62); background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161928eyyie888wmfc28e0.png'); background-repeat: repeat;"><section style="margin-top: -5px; margin-bottom: 5px;transform: translate3d(-5px, 0px, 0px);-webkit-transform: translate3d(-5px, 0px, 0px);-moz-transform: translate3d(-5px, 0px, 0px);-o-transform: translate3d(-5px, 0px, 0px);"><section style="border-width: 1px; border-style: solid; border-color: rgb(62, 62, 62);"><section style="padding: 5px 10px; text-align: justify; line-height: 30px;"><p style="margin-bottom: 20px; font-size: 16px; line-height: 2em;"><span style="font-size: 15px;"><span style="color: #3F3F3F;">?</span><span style="color: #D92142;">9月1号起，</span><span style="color: #3F3F3F;">低利率时代将告一段落，高利率时代由此开启。</span></span></p><p style="margin-bottom: 20px; font-size: 16px; line-height: 2em;"><span style="font-size: 15px;"><span style="color: #3F3F3F;">?</span><span style="color: #D92142;">9月1日起，</span><span style="color: #3F3F3F;">各大建委征信系统被信联替代，开启信用时代。</span></span></p><p style="margin-bottom: 20px; font-size: 16px; line-height: 2em;"><span style="font-size: 15px;"><span style="color: #3F3F3F;">?</span><span style="color: #D92142;">9月1日起，</span><span style="color: #3F3F3F;">银监会，保监会合并。从此双会合并，共同监管。</span></span></p><p style="margin-bottom: 20px; font-size: 16px; line-height: 2em;"><span style="font-size: 15px;"><span style="color: #3F3F3F;">?</span><span style="color: #D92142;">9月1日起，</span><span style="color: #3F3F3F;">将逐一关闭信贷个别个人专项贷款。</span></span></p><p style="margin-bottom: 20px; font-size: 16px; line-height: 2em;"><span style="font-size: 15px;"><span style="color: #3F3F3F;">?</span><span style="color: #D92142;">9月1日起，</span><span style="color: #3F3F3F;">大数据整合完毕，大数据面前你将“一丝不挂”……</span></span></p></section></section></section></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-right: auto; margin-left: auto; width: 40px; height: 40px; background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161928j0m7m4v0umiug9fv.png'); background-size: 100%; background-repeat: no-repeat;"><section style="margin-right: auto; margin-left: auto; text-align: center; line-height: 40px; color: rgb(255, 255, 255); font-weight: 600;"><p style="font-size: 16px; border-width: 0px; border-style: initial; border-color: initial;">01<br/></p></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><strong><span style="color: #D92142;">>>征信系统被信联替代，开启信用时代</span></strong></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><span class="" data-positionback="static" style="top: auto; left: auto; right: auto; bottom: auto;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929b2nkg1isnlcwnhr7.jpg" data-fail="0" style="top: auto; left: auto; right: auto; bottom: auto; zoom: 1.14286; visibility: visible !important; width: 100%;"/></span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">中国人民银行官网公示，央行已经受理了百行征信有限公司（筹）的个人征信业务申请，此前业界呼声甚高的“信联”落地更进一步。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">“信联”集结人民银行的征信记录、大数据征信、中国互联网金融协会等几大征信企业，全方位整合征信数据。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">“信联”的到来，意味每个人的行为记录都将体现在征信系统中，不良记录将无处遁形，老赖们的末日不远矣！</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-right: auto; margin-left: auto; width: 40px; height: 40px; background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929otnn0ya55y870jj7.png'); background-size: 100%; background-repeat: no-repeat;"><section style="margin-right: auto; margin-left: auto; text-align: center; line-height: 40px; color: rgb(255, 255, 255); font-weight: 600;"><p style="font-size: 16px; border-width: 0px; border-style: initial; border-color: initial;">02</p></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #D92142;"><strong><strong>>></strong>银监会、保监会双双合并，共同监管</strong></span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">此举在业内人士看来，双方牵手打破了监管部门壁垒,对银行、保险中的所有机构、业务和产品,由一个监管机构实现穿透式监管,有助于提高监管的广度和深度,找到风险的源头,有针对性地制定防控风险的措施,实现监管的全覆盖。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">监管力度如此之大，让资质略差的人不禁抖三抖！</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><span class="" data-positionback="static" style="top: auto; left: auto; right: auto; bottom: auto;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929av6gvbd5h5k57bp8.jpg" data-fail="0" style="top: auto; left: auto; right: auto; bottom: auto; zoom: 1.14286; visibility: visible !important; width: 100%;"/></span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-right: auto; margin-left: auto; width: 40px; height: 40px; background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161928e488j90q4858566f.png'); background-size: 100%; background-repeat: no-repeat;"><section style="margin-right: auto; margin-left: auto; text-align: center; line-height: 40px; color: rgb(255, 255, 255); font-weight: 600;"><p style="margin-bottom: 20px; font-size: 16px; border-width: 0px; border-style: initial; border-color: initial;">03</p></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><strong><span style="color: #D92142;"><strong>>></strong>央行再上调公开市场利率，额度进一步吃紧</span></strong></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">1月16日，央行公开市场利率再现上调，自美联储加息以来，逆回购操作利率可谓全面上调。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">而前段时间，中国银行行长周小川表示，“之后一段时间贷款额度将会收紧，利息也会逐渐上浮，门槛大范围提高，贷款难、贷款严、贷款不够用将是必然。”</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">2018年，业界普遍预计，美联储还会加息3次以上。在融e聚看来，中国的贷款利率易升难降，急需贷款的最好赶快上车。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161928rgj2guwm07v847jn.jpg" data-fail="0" style="z-index: -1; cursor: pointer; color: rgb(87, 107, 149); zoom: 1.14286; visibility: visible !important; width: 100%;"/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-right: auto; margin-left: auto; width: 40px; height: 40px; background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929ythl5nqf3pglqpqd.png'); background-size: 100%; background-repeat: no-repeat;"><section style="margin-right: auto; margin-left: auto; text-align: center; line-height: 40px; color: rgb(255, 255, 255); font-weight: 600;"><p style="font-size: 16px; border-width: 0px; border-style: initial; border-color: initial;">04</p></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><strong><span style="color: #D92142;"><strong>>></strong>信贷收缩，某些个人专项贷款将被关闭</span></strong></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">随着美联储加息，包括中国央行在内的各国都开始新一轮的信贷收缩。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">对于银行等金融机构来说，信用贷款风险很高。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">一方面，企业在竞争中或面临经营不善等问题，导致无法偿还银行债务。一旦不良资产率上升，甚至可能引发银行信贷危机。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">另一方面，经济下行期，银行开展信贷能力不足，需要根据实际情况进行调整信贷方案，保证自身机制健康运行。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929fmw6mcfizw25dbbm.jpg" data-fail="0" style="top: 0px; left: 0px; right: 0px; bottom: 0px; zoom: 1.14286; visibility: visible !important; width: 100%;"/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;">两会期间，银监会也表示将于4月份开始对各大银行开展为期半年的信贷审核抽查，各银行政策不断收紧，贷款用途开始专项限制，陆续取消各种福利。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;">2018年，金融行业的关键词，无疑就是“监管”加“洗牌”。在一浪高于一浪的监管浪潮下，能屹立不倒的无疑是那些征信良好的贷款者。未来，信用的价值将不断凸显，会成为你行走于社会的通行证。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;"><br/></span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;">银监会将于6月份开始对各大银行开展为期半年的信贷审核抽查，各银行政策不断收紧，贷款用途开始专项限制，各种福利陆续取消。</span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;"><br/></span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="font-size: 15px;"><strong><span style="color: #3F3F3F;">2018年金融信贷将处于监管风暴中心，银行对客户的要求会越来越严！</span></strong><span style="color: #D92142;">贷款将会越来越难！以后不是问利息的时代，而是能不能贷的问题了！</span></span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal; text-align: center;"><span class="" data-positionback="static" style="top: auto; left: auto; right: auto; bottom: auto;"><img class="" data-ratio="0.5" data-s="300,640" data-type="png" data-w="640" _width="432px" src="https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929cq6p6p9x1asrrxf1.jpg" data-fail="0" style="top: auto; left: auto; right: auto; bottom: auto; zoom: 1.14286; visibility: visible !important; width: 100%;"/></span></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><article class="" data-author="Wxeditor" style="margin: 5px auto; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><section style="margin-right: auto; margin-left: auto; width: 40px; height: 40px; background-image: url('https://0817ch-bbs.oss-cn-shenzhen.aliyuncs.com/attachment/forum/201808/22/161929kffflm5nbf3bqq0r.png'); background-size: 100%; background-repeat: no-repeat;"><section style="margin-right: auto; margin-left: auto; text-align: center; line-height: 40px; color: rgb(255, 255, 255); font-weight: 600;"><p style="font-size: 16px; border-width: 0px; border-style: initial; border-color: initial;">05</p></section></section></article><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><br/></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><strong><span style="color: #D92142;">>>首套房贷款平均利率上浮</span></strong></p><p class="" style="color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><strong><span style="color: #D92142;"><br/></span></strong></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">在全国35个城市533家银行中，有76家银行分（支）行首套房贷款利率上升，占比14.26%，有26家银行分（支）行暂停受理首套房贷业务。今年4月,工商银行、农业银行、中国银行、建设银行国有四大行首套房贷款平均利率均已超基准利率上浮12%水平。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">如果你觉得这个数据没有那么直观的话，那么你可以这么认为，首套房贷利率从原来基准利率的4.9%，上调到1.1倍的5.39%。</span></p><p class="" style="margin-bottom: 20px; color: rgb(51, 51, 51); font-family: -apple-system-font, BlinkMacSystemFont, 'Helvetica Neue', 'PingFang SC', 'Hiragino Sans GB', 'Microsoft YaHei UI', 'Microsoft YaHei', Arial, sans-serif; font-size: medium; letter-spacing: 0.544px; white-space: normal;"><span style="color: #3F3F3F; font-size: 15px;">如果你的房贷按100万元贷款、25年期计算的话，那么你每月的月供就从5787.8元增加到6075.4元。如此一来，相比“317”楼市新政前的利率85折优惠来说，<strong>你每月的月供直接增加了1202.7元！！！</strong></span></p><p><br/></p>
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