At present, the real estate market is on a stable and orderly track and the credit dividend of the real estate industry is gradually disappearing. If there is a steady decline in house prices, then the real estate industry's credit dividend is likely to be transformed into credit risk. Financial institutions pinning their hopes on real estate are likely to face much greater risks than lending to the real economy. Such being the case, why not adjust the concept of credit as soon as possible, put supporting the real economy in a prominent position of financial institutions, and effectively reduce risks and find a new space for benefit growth by supporting the real economy? Because of this, we expect regulators to change and upgrade their punishment methods from only for specific cases of violations to penalties for non-implementation of central decision-making.
the author's attitude?
It is considered that the previous punishment methods of regulators are improper.