Two departments: Increased real estate and rights financing services, scientifically and reasonably broaden the category of pledged products

According to the news of the CBRC website on September 29, recently, the China Banking Regulatory Commission and the People's Bank of China jointly issued the "Guiding Opinions on Promoting the Healthy Development of Real Estate and Rights Financing Business". The "Guidance Opinions" proposes that it is necessary to increase the efforts of real estate and rights financing, scientifically and reasonably broaden the category of pledged products, give full play to the support of real estate and rights financing on weak areas, and strengthen the management of real estate and rights financing. Support bank institutions to deepen the innovation of real estate and rights financing business, improve the quality and efficiency of accounts receivable financing services, optimize commodities and freight financing business, develop supply chain -based accounts receivable financing, inventory guarantee financing and other businesses, and actively develop systematization , Digital supply chain financial products of the whole scene.

The "Guidance Opinions" requires that banking institutions should improve the ability to control real estate financing risk, strengthen the evaluation of real estate and rights value, and implement classified credit management. For supply chain financing business, it can explore the "three investigations" of loans online. It is necessary to implement the requirements for the publicity of guarantee registration, standardize the application of pledged production management and third -party regulatory cooperation, promote the application of new technologies in the management and control of pledge, and broaden the real estate disposal monetization channel.

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