Recently, in addition to state-owned banks and joint-stock banks, city commercial banks and rural commercial banks in Henan, Guangxi, Guangzhou, Foshan, Dongguan, Huizhou and Zhuhai began to provide intentional credit to local private housing enterprises.
According to the reporter's incomplete statistics, as of February 5 10, more than 80 housing enterprises have obtained the bank's intentional financing support. Judging from the disclosed data, the total amount of credit has exceeded 3 trillion yuan.
"This shows that local banks are actively implementing the policy content of Finance 16, which reflects the continuous expansion of bank credit support." Yan Yuejin, research director of the think tank center of Yiju Research Institute, said.
"The deepening of cooperation between banks and enterprises is a further implementation of the spirit of the' Finance 16 Document' and1October 2 1 Japan National Commercial Bank Credit Work Symposium. It is expected that more banks will follow up in the future, and the financial pressure in the industry will improve, which will help housing enterprises increase their willingness to invest. " Wang Xiaoyu, chief analyst of Zhuge Housing Data Research Center, said.
As of February 2nd, 65438+, 23 commercial banking institutions in Guangdong (excluding Shenzhen) have signed strategic cooperation agreements with 62 real estate enterprises in Guangdong, providing a package of financial services, with a cumulative credit of 76265438+ billion yuan, of which Chaoqi has become a private real estate enterprise. It is estimated that there will be more than 3 1 bank in Guangdong province (excluding Shenzhen) during the year, and the intention to provide credit for real estate will exceed 933 1 billion yuan.
Among them, Nanhai Rural Commercial Bank, a local bank in Foshan, signed contracts with local 10 private real estate enterprises in Foshan with a strategic credit line of 20 billion yuan. The contracted real estate enterprises include Nengxing Group, Guangdong Hengfu Group, Dong Jian Group, Hongyu Group and Haiyi Real Estate. Dongguan Bank and Dongguan Rural Commercial Bank will provide 42 billion yuan of intentional credit to eight local housing enterprises including Dongguan New Century Real Estate Development Company.
Zhongyuan Bank of Henan Province held a signing ceremony of strategic cooperation between banks and enterprises on February 2, 65438, and signed strategic cooperation agreements with four key real estate enterprises in Henan Province, including Tiangang Group, Meisheng Group, Zheng Hong Group and Lvdu Real Estate, respectively, and planned to provide intentional financing totaling 40 billion yuan within three years.
165438+1On October 29th, Guangxi Beibu Gulf Bank announced that it had signed a "total-to-total" strategic cooperation agreement with five local high-quality private real estate enterprises in Guangxi, including Guangxi Ronghe Enterprise Group, Guilin Zhangtai Industrial Group, Guangxi Yangpu Real Estate Group, Guangxi Baota Investment Group and Guangxi Jinyuan Real Estate Group, with the intended credit amount exceeding 6,543.805 billion yuan.
At the same time, branches of state-owned banks are also providing intentional financing support for local housing enterprises.
Among them, Bank of China Hubei Branch signed strategic cooperation agreements with six real estate enterprises, including Wuhan Real Estate Group, Wuhan Liantou Real Estate, Wuhan Vanke, Wuhan Zhonghai, China Resources Huazhong and Huazhong Greentown, and provided intentional credit totaling more than 40 billion yuan; China Industrial and Commercial Bank Chongqing Branch and China Agricultural Bank Chongqing Branch have signed strategic cooperation agreements with local real estate enterprises in Chongqing, including Chongqing Huayu Group and other real estate enterprises.
"Joint-stock commercial banks and local banks are more obviously linked to regional housing enterprises in terms of credit supply. The content of credit is mainly in personal housing purchase, real estate development business and security construction, helping local housing enterprises to focus more on their main business and solidly promote their daily operations. " Yan Yuejin said.
Since June 165438+ 10, a number of financing policies to support real estate enterprises have been implemented one after another, forming a "three arrows" pattern to support housing enterprises' financing, and the supply-side support policy framework has basically taken shape.
"The Three Arrows Policy of Housing Enterprise Financing can prevent the risks of housing enterprises, establish a risk firewall between out-of-danger housing enterprises and relatively healthy housing enterprises, and promote the improvement of market expectations. Secondly, it can resolve the risks of housing enterprises, speed up mergers and acquisitions and speed up the clearing of real estate risks. It can also effectively alleviate the credit contraction of private enterprises and promote the financing recovery of private enterprises. " Liu Shui, research director of Enterprise Department of Central Reference Institute, said.
Li Yang, an analyst at Minsheng Securities, believes that "this round of policies is sustainable, and the real estate industry has already seen the necessary factors for recovery, and the subsequent industry prosperity will show a slow upward trend. If market confidence is still insufficient, the policy may continue to be adjusted, but it should also be noted that some enterprises still have debt repayment pressure. "