(This course provides Chinese introduction only)
內地最新動態 單元二:內房債務危機對銀行業及個人的影響
Mainland Latest Dynamic Module 2: Impact of Real Estate Debt Crisis on Mainland's Banking Industry and Individuals
市場對國內房地產開發商的債務問題關注度漸高,本課程涵蓋債務危機出現的原因,這場危機對內地經濟、內房市場及內地銀行與金融體系將帶來的影響,內地政府是否會拯救受困的開發商,投資者和股東應持有的期望。
1. 內房債務危機的背後起因
(i) 負債規模龐大
(ii) 土地資產質素
(iii) 政策調控影響
2. 內房債務危機對銀行業的影響
(i) 壓降房地產貸款集中度
(ii) 去房地產開發貸杠杆化
(iii) 房地產不良貸款率上升
(iv) 強化不良貸款資產轉讓
(v) 收縮對民企房地產信貸
(vi) 銀行信貸產品走多元化
3. 內房債務危機對個人的影響和投資啓示
(i) 房產價格下跌
(ii) 投地意欲下降
(iii) 失業率的上升
(iv) 消費意欲疲弱
(v) 保障預售資金
(vi) 個人投資啓示
Enrollment
- Enrollment of virtual CPD programmes can only be made through VTC’s Continuing & Professional Education website (https://cpe.vtc.edu.hk/en). The programme fees must be paid online by Credit Card (Visa / Master). Only enrollment with completed information and payment will be processed.
- Applicants should upload* a copy of your Hong Kong Identity (HKID) Card / Passport / Travel Document, or valid visa / entry permit for study issued by the Immigration Department of the Hong Kong Special Administrative Region (HKSAR) during the enrollment process for identityverification purpose. The uploaded image should only show your full name in both English and Chinese with your photo. Other personal information must be covered.
* File size shall be less than 4 MB. File format shall be in jpg, jpeg, pdf or png.
- All places are allocated on a first-come-first-served basis. Incomplete forms and forms received without payment will not be processed.
Notification of Class Commencement
Successful applicants will be notified of the class confirmation and relevant information by email at least 7 working days## before class commencement. Login information including Meeting ID and Passcode, and Student Login ID will be sent to students by email 3 working days## before class commencement. Please contact us at 2836 1906 if you do not receive the notification and/or login information 3 working days## before the class commencement.
## Working days (exclusive of Saturdays, Sundays and Public Holidays)
Applicants should ensure their digital devices be equipped with a video camera and connected to a stable network before enrolling the virtual CPD Programme.
Students are required to show themselves in front of the camera throughout the lesson, otherwise the CPD / CPT hours will be deducted.
Certificate
Students who have participated in PEAK’s CPD short courses via virtual classrooms and achieved an attendance rate of 80% or higher may download their certificates from PEAK’s website (www.peak.edu.hk) starting from the 6th working day upon completion of the respective courses. The certificates shall be downloaded within three months from the date of course completion.
Please note that students should choose to download their certificates from our website or have their certificates sent by ordinary post during the online application process. Once students have chosen the mail delivery option, they will not be able to download their certificates via online means. The certificates will be sent to their registered local correspondence address within 14 working days from the date of course completion. PEAK will not be responsible for any loss in mailing.