商业银行存量房资金监管业务一体化经营探索

Exploration on the Integrated Operation of the Supervision and Management Business of Stock Housing Funds of Commercial Banks

摘要: 存量房交易资金监管业务对于商业银行而言存在巨大的场景化客户拓展契机，存量房买卖双方均是优质客户，购房交易资金流较大，不仅是个人存款资金增长的源头性业务，也是对公存款新增的利器。银行应开展存量房资金监管业务一体化经营，挖掘潜在客户，提升客户综合贡献，增强市场竞争力。

Abstract: The stock house transaction funds supervision business has huge opportunities for commercial banks to expand customers. Both the stock house buyers and sellers are high-quality customers, and the capital flow of house purchase transactions is large. It is not only the source of personal de-posit fund growth, but also new weapon for deposit. Banks should carry out integrated operation of stock house capital supervision business, tap potential customers, enhance customer comprehen-sive contributions, and enhance market competitiveness.