The 10th meeting of the Central Financial and Economic Committee held earlier pointed out that strengthening and improving the regulation of the real estate market and maintaining the stable development of the real estate market are important aspects to prevent the occurrence of secondary financial risks. It is necessary to further adhere to positioning, maintain pressure and treat it differently, strengthen risk prevention in the real estate market, and ensure overall economic and financial stability.
To promote the stable and healthy development of the real estate market, the key is to adhere to the positioning of "houses are used for living, not for speculation" and stabilize market expectations. Since last year, the real estate market in some areas has rapidly warmed up, and the volume and price of real estate in a few cities have risen together, showing an overheating trend. To this end, a series of measures have been taken from the central government to the local government, such as comprehensively using land, finance, taxation and other measures to strengthen the regulation of the real estate market, and adhering to the unshakable positioning of "housing and not speculating".
To realize the healthy and stable development of the real estate market, finance needs to further straighten its position, do something different and play its due role properly. On the one hand, financial institutions should strictly implement the real estate market regulation policy, actively and steadily implement the real estate loan concentration management system and the financing management requirements of real estate enterprises, curb the blind expansion of real estate enterprises, and gradually reduce excessive dependence on financial leverage. In specific work, we should strictly control risks, comprehensively review the flow of credit funds, and prevent funds from illegally flowing into the real estate market. For real estate enterprises, it is necessary to intensify the examination and not provide financing support for unqualified real estate projects; Shall not provide channels or credit guarantees for projects that violate the policies of the real estate industry. For individual users, customers need to provide relevant certificates of large business loans and consumer loans to prevent illegal transfer of funds to the real estate market through consumer loans, business loans and credit card overdrafts.
On the other hand, financial institutions should optimize the business structure of real estate finance and increase their support and services to the housing rental market. First, we can cooperate with real estate enterprises to turn houses for sale into long-term lease sources by signing lease right transfer agreements, and issue lease loans to eligible lease users; Second, we can cooperate with local governments to provide innovative financial products and services in all aspects of housing rental platform transaction matching and credit evaluation; The third is to develop products such as "rent installment" with moderate quota and interest rate, and directly provide credit support to customers through carriers such as credit cards. Commercial banks should accelerate their entry into the housing rental market and explore a new model of housing rental credit, which can not only promote the development of housing rental finance in the direction of scale and specialization, but also help to form a long-term mechanism for the stable and healthy development of the real estate market.
Not long ago, the central bank held a symposium on the analysis of the monetary and credit situation of financial institutions, emphasizing the need to continue to do a good job in cross-cycle design and do a good job in the connection of credit work in the second half of this year and the first half of next year. Part of the loans planned in the first half of next year will be put in advance to the second half of this year to hedge the recent downward trend of credit growth and enhance the stability of the total credit growth. In this case, monetary and credit policies should continue to adhere to a sound tone and seek a balance between supporting growth and preventing risks. In particular, it is necessary to strengthen the expected management and guidance and not send wrong signals to the real estate market. In addition, it is also necessary to prevent policy adjustment from accidentally hurting reasonable market demand.