Banking Insurance Regulatory Commission: Cooperate with local governments to actively promote the work of "keeping diplomatic relations, protecting people's livelihood, and stable stability"

Liu Zhongrui, the person in charge of the Statistics and Risk Monitoring Department of Zhongxin Jingwei on July 21, mentioned on the 21st that the marketization of financial institutions participated in risk disposal, strengthened the coordination with the Ministry of Housing and Urban -Rural Development and the People's Bank of China. Building, keeping people's livelihood, and stable "work.

On the afternoon of the 21st, the National New Office held a press conference on the development of the banking insurance industry in the first half of 2022. At the meeting, a reporter asked: What measures are you going to take the stability of the real estate industry?

Liu Zhongrui replied that the CBRC resolutely implemented the deployment of the Party Central Committee and the State Council in this regard, and always insisted on "the house is used for living, not used for speculation" positioning, and closely focused on "stable price, stable house prices, and expected". Objectives, implement the requirements of long -term real estate mechanisms, and promote the steady and healthy development of the real estate market. In June, real estate loans added 200.3 billion yuan, and the overall operation of real estate credit was stable.

Liu Zhongrui introduced that in terms of measures and work taken: First, make orderly financing industry financing. Under the premise of implementing real estate finance prudential management, guiding bank insurance institutions to do financial services for real estate and construction industry. In June, real estate development loans added 52.2 billion yuan. The company's professional advantages, cooperate with relevant parties to do a good job of "keeping diplomatic relations, protecting people's livelihood, and stable" financial support.

The second is to meet the reasonable needs of residents. We will reduce the first set of housing loan interest rates under the limit of 20 basis points with the People's Bank of China to guide banks to improve the efficiency of mortgage loan approval. At present, the speed of lending has reached the fastest since 2019. Optimize housing financial services for new citizens, support the needs of new needs and improve customer needs. More than 90%of the mortgage loans are the first home loan.

The third is to support the development of the housing rental market. Leading the "Guiding Opinions on the Development of Bank Insurance Organizations Supporting the Development of Housing for Insurance Leasing", which eliminates affordable leased housing loans from the concentration of real estate loans, and enhances the enthusiasm of banks to pay affordable leasing loans. The same period of the year increased by 62.9%.

The fourth is to implement differentiated housing credit policies. Guide the dispatched agencies to cooperate with the local government to optimize the real estate policy from the actual situation, and do a good job of real estate related work due to urban policy to promote the steady and healthy development of the real estate market. With the active cooperation of the financial sector, the interest rate of house purchase has gradually declined.

Liu Zhongrui said that in the next step, the China Banking Regulatory Commission will continue to implement the decision -making and deployment of the Party Central Committee and the State Council, and continue to adhere to the positioning of "the house is used for living, not used for speculation", adheres to "stable price, stable house prices, stabilization of stability "It is expected" to maintain the continuity and stability of the real estate financial policy, strengthen communication with relevant departments, maintain the stable and orderly and orderly real estate financing, support the commercial housing market to better meet the reasonable housing needs of buyers, and guide the marketization risk disposal of financial institutions. Strengthen the coordination with the Ministry of Housing and Urban -Rural Development and the People's Bank of China, and cooperate with local governments to actively promote the work of "keeping traffic, protecting people's livelihood, and stable stability", and do a good job of relevant financial services in accordance with laws and regulations to promote the virtuous circulation and healthy development of the real estate industry. (Zhongxin Jingwei APP)

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