Our reporter Yang Jingxin Beijing report
During the Spring Festival in 2024, the urban real estate financing coordination mechanism was quickly advanced.
Public information shows that The six major state -owned banks, joint -stock banks, and some urban commercial banks have successively expressed their support for real estate project financing in the "whitelist" Channel speeds up project loan approval and funds.
According to a reporter from "China Business Daily", At present, 214 cities in 29 provinces in the country have established real estate financing coordination mechanisms, and the number of "whitelists" project has reached 5249indivual.Recently, 162 projects in 57 cities have received a total of 29.43 billion yuan in bank financing, while banks docking with the "whitelist" project of credit funds are close to 160 billion yuan .This means that the follow -up construction funds of these projects will gradually be in place.
In addition, the Ministry of Housing and Urban -Rural Development emphasized the "two closed loops" in the work of urban real estate financing coordination mechanisms.Form the closed loop of "distribution -use -repayment".
After the reasonable financing demand of the "whitelist" project in the regulatory sound of real estate financing coordination mechanism is "full", each commercial businessThe actual actions of banks have become the focus of market attention.
2月15日，邮储银行（601658.SH）发布消息称，该行成立了房地产融资协调机制工作小组，建立授信绿色Channel, formulate a series of guarantee measures, do a good job of supervision and arrangements such as weekly notifications, monthly scheduling, etc., promote the project to connect the land as soon as possible, and help the coordination mechanism to operate efficiently.
As of now, the postal savings bank has actively connected the coordination mechanism to push the organizer project, covering 10 provinces including Henan, Sichuan, and Guangxi.The landing projects such as Guangxi, Guizhou, Dalian and other places meet the financing needs of different ownership real estate companies.
Bank of Communications (601328.SH) On February 14The coordination mechanism quickly carried out communication between government and banks and enterprises and specific projects.Since January 30, since the list of projects in various places, as of February 13, the Bank of Communications has obtained and connected the list project of 1,442 projects.
Bank of China (601988.SH) released on February 12 that after the establishment15 specific measures are introduced from 7 aspects of providing support policies, meeting the needs of reasonable financing, doing a good job of business management, and establishing special statistical monitoring.As of February 12, Bank of China has promoted the approval of more than 110 projects, with a total amount of about 55 billion yuan.Among them, there have been 75 projects for approval, with a total amount of nearly 40 billion yuan.
Agricultural Bank of China (601288.SH) said on February 11 that after the establishmentResponsibilities, quickly connect with the coordination mechanism to push the project, and help the coordination mechanism operate efficiently as soon as possible.As of now, the Agricultural Bank has accumulated more than 2,700 connection and coordination mechanism projects. Since January 26, the State Administration of Finance Supervision and Administration has exceeded 10 new approval items, with approval loans of nearly 5 billion yuan.Among the main body of loan projects, non -state -owned enterprises accounted for more than 80%, and the project types are mainly houses that meet the demand and improve sexual needs.
ICBC (601398.SH) said on February 9 that the bank established the "Special Working Group for Real Estate Financing Coordination Mechanisms" at the level and branch levels respectively., Strengthening unified leadership, accelerating organization promotion, increasing project docking, and stepping up financing landing.Since January 30, since the list of projects in various places, as of February 8, ICBC has carried out more than 2,000 projects and took the lead in achieving loans to multiple projects in multiple cities.
Construction Bank (601939.SH) On February 7, a promotion meeting to implement urban real estate financing coordination mechanism was held.The bank stated that since the first list of the first list was received at the end of January, the Construction Bank has carried out more than 2,000 projects, nearly a hundred projects have been approved, and the approval amount has been approved by more than 20 billion yuan.Recently, branches of Beijing, Fujian, Anhui, and Henan have realized the launch of 5 projects, with a investment amount of nearly 3 billion yuan.
Reporter statistics found that the six major state -owned banks have disclosed the connection real estate financing coordination mechanism "Whitening list" project.Bank project approval funds have exceeded 100 billion yuan .
In addition, China Merchants Bank (600036.SH), Xingye Bank (601166.SH), CITIC Bank (601998.SH), SPDB (600000.SH), Everbright Bank (601818888888888818The joint -stock banks such as .SH), Minsheng Bank (600016.SH), and other joint -stock banks also successively supported the implementation of urban real estate financing coordination mechanisms, and formulated specific measures to accelerate project funds.
On February 20, the Ministry of Housing and Urban -Rural Development held a video dispatch meeting for the work of urban real estate financing coordination mechanisms.The meeting emphasized that all localities should attach great importance to the work of urban real estate financing coordination mechanisms, accurately propose the "whitelist" of real estate projects, and promote the continuous results of the coordination mechanism. At the same time, the meeting disclosed the progress of the current urban real estate financing coordination mechanism.As of February 20, 162 projects in 57 cities have received a total of 29.43 billion yuan in bank financing, an increase of 11.3 billion yuan over the Spring Festival holiday.
Related statistics show that under the advancement of urban real estate financing coordination mechanisms, the current bank credit granting scale of real estate has exceeded 160 billion yuan.
Reporter interviewed that the rapid advancement of real estate financing coordination mechanism relieved the current difficulty of mobility of housing companies Provide funding guarantee for real estate development and construction projects, which can promote the steady and healthy development of the real estate market.Compared with the previous real estate financing model, the financing coordination mechanism reflects the characteristics of "new", "fast", and "steady", and allows banks to strongly and strongly support the real estate industry under the control of risks.
"At present, the real estate market is visible. The risk of the industry has triggered a chain reaction and a certain impact on the economy. However, not every real estate company has risks.Not every real estate project has risks. In other words, Some high -quality real estate companies and projects have also been impacted by the current industry situation, and financing difficulties have formed liquidity risks. This requires banks to provide financial support. . "A large state -owned bank person said.
"Due to the downturn in the real estate industry, regardless of the quality of the real estate project, banks are concerned about funds, and they are worried that good projects cant carry the industry trend, and they are more worried aboutIn case of risk, it will be responsible. "The person said that in the case of unanimous tightening of real estate financing, the real estate financing coordination mechanism effectively improved the real estate financing environment and broke the" one -size -fits -all "situation of real estate loans.Banks can accurately support high -quality projects, provide funds for project construction funds, and also protect the rights and interests of home buyers.
He revealed to reporters that the bank has special policies and measures for the real estate coordination mechanism.Most institutions may have just stretched out the mechanism, conducting diligently on some delivery projects, and selecting eligible projects to contact.From the current situation, the scale of subsequent credit funds may be larger ."After all, more than 5,000 projects, only more than 160 projects that have been completed temporarily."
An analyst of a brokerage banking industry believes that the importance of real estate financing coordination mechanism may be possibleMore reflected in stock projects .According to the policy requirements, the bank temporarily encountered difficulties in the "whitelist" project but basically balanced funds.It supports the method and ensures the smooth operation of the project.
It is worth noting that the Ministry of Housing and Urban -Rural Development emphasized the "two closed loops" in the work of urban real estate financing coordination mechanisms.EssenceUrban real estate financing coordination mechanism screens items and pushes it to commercial banks according to the conditions. Each commercial banks will lend loans in accordance with the regulations and report to the financial regulatory authorities for "reasons that cannot be loan" to the financial regulatory authorities.The "Whitening List" project is closed from the work closed loop from pushing to feedback.The second is to form a closed loop of "issuance -use -repayment" to ensure that all funds are used for project development and construction, and strictly prevent funds from being misappropriated on land purchase, repaying debts or other investments.
The reporter noticed that The operating model of the closed -loop funding capital of the project as the main body is isolated the risk of real estate enterprises to a certain extent, and enhanced the willingness of bank loans. EssenceAt the same time, the innovative model of push feedback is a reflection of the principle of marketization, and it will also test the banks risk control capabilities in credit investment.
The above -mentioned large -scale state -owned banks said: "Among the many push projects, banks will definitely increase their support, but the premise is the selection of the best.Banks are usually cautious, in order to avoid risks from being transmitted from real estate to banks, causing adverse rates. When the docking whitelist project, banks are also a process of independent decision -making.. "
" Many banks emphasized the strict implementation of the loan three investigations requirements in the statement of supporting real estate financing coordination mechanisms, that is, pre -loan investigation, loan review, and post -loan inspection.Strict credit management. While supporting the development of the industry, banks do not mean that the risk control of loans will relax. "The person believes that this is why the management of various bank branches has been busy with the project.Policies have repeatedly emphasized accurate support, which also means that the differentiation of the industry will intensify.
The Peoples Bank of China in 2023 financial institutions loan investment to the statistical report shows that as of the end of 2023, the balance of RMB real estate development loans was 1.288 trillion yuan, an increase of 1.5%year -on -year, the growth rate decreased year -on -year decreased year -on -year decrease2.2 percentage points.The balance of RMB real estate loans was 5.263 trillion yuan, a year -on -year decrease of 1%, and the growth rate was 2.5 percentage points lower than the end of the previous year.
"Policy landing and bank real gold and silver support can boost market confidence, which is of great significance to the stable development of real estate." The above -mentioned brokerage banking analysts believeThe industry has a direct or indirect relationship. The healthy and stable operation of its market is a very important fulcrum for the healthy development of the national economy and stable structure. The fluctuation of its market is also one of the important reasons that affect the fluctuations of the national economic fluctuations.
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