[Well -off headline] The China Banking Regulatory Commission responded to the "suspension of loan" incident, and many banks spoke intensively!

In response to the "suspension incident" that has recently occurred in many places, on July 14, the China Banking Regulatory Commission and a number of banks responded to related issues such as mortgages.

CBRC responds to mortgage related issues

The person in charge of the relevant departments of the CBRC stated that the CBRC adheres to the positioning of "the house is used to live, not for speculation", and closely focuses on the goal of "stable price, stable house prices, and stable expectations". Promote the steady and healthy development of the real estate market.

According to reports, in June, real estate loans increased by 158.4 billion yuan, and the overall operation of real estate credit was stable. Among them, real estate development loans increased by 41.5 billion yuan. Real estate loan adverse rate is at a lower level, and the risk is controllable as a whole.

"Recently, we are paying attention to the extension of the extension of the real estate of the real estate enterprises. The key to this incident is to" keep the property ", which we attach great importance to this." The person in charge said that the next step will be , Stability, maintain the stable and orderly real estate financing, support the commercial housing market to better meet the reasonable housing needs of buyers, guide the marketization of financial institutions to participate in risk disposal, strengthen work with the housing and construction departments and the People's Bank of China, and support local governments to actively promote the "insurance guarantee Work, keep people's livelihood, and stable "work, do relevant financial services in accordance with laws and regulations, and promote the virtuous cycle and healthy development of the real estate industry.

Many banks respond to mortgage incidents:

The overall risk is controllable!

01 ICBC

ICBC issued an announcement saying that at the end of June 2022, personal housing loans were 6.36 trillion yuan, with a non -performing rate of 0.31%, and the quality of assets was stable. Recently, the risk of individual real estate development enterprises has been exposed, and the development of individual real estate development projects has been postponed. After investigation, ICBC's current suspension of work involves a non -performing loan balance of 637 million yuan, accounting for 0.01%of the balance of mortgage loans in the bank, and the risk is controllable.

02 Agricultural Bank

Agricultural Bank pointed out in the announcement that the bank has established a coordinated coordination mechanism at the level of the head office to investigate the situation of the "insurance delivery" of housing projects in the entire system organization. As of the end of June 2022, the balance of personal housing loans of Agricultural Bank of China was 5.34 trillion yuan. Among them, real estate, which has initially determined that the risk of "guaranteeing the property" involves the balance of overdue mortgage loans of 660 million yuan, accounting for 0.012%of the entire mortgage loan balance, and 0.017%of the balance of one -handed mortgage loan. At present, the business scale involving the risk of "insurance delivery" is small and the overall risk is controllable.

03 Bank of China

In the announcement, the bank's personal housing loan business is controllable.

04 Construction Bank

In the announcement, the Construction Bank stated that the current suspension of work in some areas and the failure to deliver the real estate on time are involved in the small scale and the overall risk of the CCB.

05 Bank of Communications

The Bank of Communications issued an announcement saying that after preliminary investigation, the real estate in the media reported in the media reports, the balance of overdue housing mortgage loans involved in the Bank of China was 0.0067%of the bank's domestic mortgage loans, which were relatively small, and the risks were relatively small. Risks and risks. Controlled. As of the end of June, the balance of mortgage loans of banks in the Bank of Communications was nearly 1.5 trillion yuan, and the quality of assets was stable.

06 Postal Savings Bank

The Postal Savings Bank announced that at present, the bank's housing loan balance exceeds 2 trillion yuan, with an average amount of about 440,000 yuan. The bank pays close attention to the suspension of the construction of the stoppage in some areas and the failure to deliver the real estate on time, conduct in -depth investigation. The initially identified suspension project involves the overdue of 127 million yuan in housing loans, with a small scale and proportion, and the risks are controllable.

07 Industrial Bank

In response to the real estate involved in the recent "suspension of loan incidents", Xingye Bank said it has quickly launched investigation. After investigation, as of now, the bank's related mortgage loans related to the "suspension of loans" are 1.6 billion yuan (of which the balance of non -performing loans is 75 million yuan), and the amount of mortgage that has stopped repayment has been 384 million yuan, which is mainly concentrated in Henan. However, the overall scale of mortgage loans that have been involved is small and will not have a significant impact on the company's operations.

In addition, many of the above banks have stated that they will pay close attention to the situation of cooperative companies and real estate, actively cooperate with local governments to do a good job of customer service, promote the steady and healthy development of the real estate market, and safeguard the legitimate rights and interests of housing consumers.

Xi'an: The pre -sale funds for commercial housing shall be stored directly into the special supervision account for supervision

The WeChat public account of "Xi'an Housing Construction" issued the "Notice on Printing and Distributing the Work Measures on Protecting the Exhausting Housing Housing Exhausting Housing Exchange Housing Increasing Housing Incretionary Work Measures" on the 14th of the "Xi'an Housing Construction" WeChat public account on the 14th. (Including deposit, down payment, home purchase loans, and all forms of all forms of housing) shall be deposited directly into the special supervision account for supervision. Development enterprises shall not directly charge or set up a house purchase payment for the buyer. Strictly allocate standards. Before the completion of the main structure of the commercial housing project, the cumulative use of key supervision funds shall not exceed 50%of the total; before the completion acceptance, it shall not exceed 95%; %. Among them, the total number of buildings above 7 floors reached 1/3, 2/3, and the cumulative use of key supervision funds did not exceed 20%and 35%of the total, respectively.

(A well -off headline comprehensive Xinhua News Agency, CCTV News, First Finance, and multiple banks announced)

Edit: Tian Yuan Yingying

School pair: Wu Jinyang

Review: Gong Zimo

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