求英语高手替我翻译这段论文摘要，谢谢了，来不及了，，

来源：百度知道 编辑：UC知道 时间：2024/06/04 02:52:10
2007年9月27日，人民银行和银监会联合发布了《关于加强商业性房地产信贷管理的通知》，从严格房地产开发贷款管理、住房消费贷款管理和商业用房贷款管理等方面进一步加强了对商业性房地产信贷的调控，引导个人住房消费与投资行为。12月5日，为进一步贯彻落实《关于加强商业性房地产信贷管理的通知》，依据国家住房消费政策和相关规定，人民银行和银监会在充分听取有关部门和部分商业银行意见的基础上又联合下发了《关于加强商业性房地产信贷管理的补充通知》，就严格住房消费信贷管理的有关问题作出明确规定。本文根据上述通知与补充，对目前商业银行房贷管理现状进行分析，同时给于一定的管理对策。

On September 27, 2007, the People's Bank and the silver jail could issue jointly "about Enhancement Commercial character Real estate Credit management Notice", from the strict property development loan management, the housing expense loan management and the trade with aspects and so on room loan management further strengthened to the commercial character real estate credit regulation, guided individual housing expense and the investment behavior .12 months on 5th, was further implements carries out "about Enhancement Commercial character Real estate Credit management Notice", the basis country housing expense policy and the correlation stipulation, the People's Bank and the silver jail could have after-cropped jointly in the full hearing department concerned and in the partial commercial bank opinion foundation "about the enhancement commercial character real estate creditThe management supplement notice", the strict housing expense credit manag