65438+1October 1 1, many bankers and researchers interviewed told the Cailian News Agency that after monitoring this statement, I believe that all banks will respond positively and increase financial support for housing enterprises and property buyers. On the whole, improving the balance sheet of high-quality housing enterprises through financial support is conducive to improving the asset quality of the entire real estate industry and the financial industry.
The person in charge of the large customer department of a branch of Guangfa Bank told the reporter that in the future, on the one hand, the policy will intensify the differentiation of housing enterprises, and the difficult housing enterprises will be gradually digested by the financial-supported head housing enterprises; On the other hand, it is also helpful to solve the current asset dilemma of banks, improve the quality of housing-related assets and reduce the risk of mine explosion.
The four major actions will solve the funding problem of housing enterprises in a targeted manner.
The person in charge of the credit of a branch of ICBC in South China said that the four actions are actually a comprehensive overview of the funding problem of housing enterprises. "Asset activation" and "debt continuation" are to repair the balance sheet. One is to use financial means to assist the sales and leasing of housing enterprises and revitalize the assets of housing enterprises, including real estate and land; One is to extend the liabilities of housing enterprises, prevent the capital chain from breaking and maintain the normal operation of housing enterprises.
In addition, the above-mentioned ICBC people believe that "equity supplement" and "expected promotion" are to enhance the expectations of the industry and enterprises. First, in order to encourage equity financing and strategic investment of housing enterprises, open up convenient channels to supplement equity capital. The second is to enhance the market's confidence and expectation in real estate through targeted policies and credit enhancement measures.
Wang Jian, chief analyst of Guo Xin Securities and Finance Industry, told Cailian that the information revealed at this meeting is that optimizing real estate credit will be one of the priorities of this year's work. Among the "four actions", the most important one is "expected promotion". Only when buyers' expectations of real estate rise, their willingness to buy houses rises, and their own sales returns are promoted, can a benign interaction and cycle between banks and real estate be formed.
According to the latest research report of CITIC Jiantou, with the introduction of real estate finance 16 and the new equity financing policy in the fourth quarter, the financing environment of the real estate industry has been greatly improved. In June and February, domestic debt financing increased by 70%, and the worst time of the real estate industry has passed. CITIC Jiantou predicts that with the credit recovery and favorable policies, the demand for new houses is expected to pick up.
The performance of the A-share market today also confirms the judgment of the insiders to some extent. On June 65438+1October 1 1, the A-share real estate and financial sectors rose. Real estate plate, Electronic City, Huang Ting International daily limit. The performance of the financial sector was equally eye-catching, with insurance and banks leading the gains, but the banking sector rose first and then fell, among which China Merchants Bank rose 2.33% in intraday trading and closed down 1.75%.
Housing-related credit is gradually picking up, and whitelist companies have to seize it.
The person in charge of credit of Guangzhou Branch of a city commercial bank said that with the implementation of the policy, the real estate industry chain will finally usher in a moment of stabilization and repair. The person judged that the market turning point may be close. Under the principle of not speculating in houses, the real estate industry will pick up but will not rise sharply. Judging from the layout of the bank, this year we will actively seize low-risk real estate projects, focusing on urban core areas, industrial parks, urban renewal and real estate projects related to new citizens.
"We mainly focus on white-listed enterprises and are relatively cautious about the housing enterprises outside the list as a whole. However, a more obvious experience in the near future is that from 65438+ in February last year to 65438+ in this year 10, the housing enterprises that have received financial support are obviously more emboldened in business docking, so the white list enterprises should grab it now. " The person in charge told the Cailian reporter.
Statistics show that the bank's credit to housing enterprises has obviously picked up recently. According to the data released by the Central Reference Institute in mid-February, 2022, more than 60 banks have granted credit of 4 trillion yuan to more than 100 housing enterprises. According to the statistics of Ke Rui Research Center, from June 5438 to February 2022, 48 M&A transactions were monitored by real estate enterprises, and 32 transactions were disclosed, with a total transaction consideration of about 52.8 billion RMB, a significant increase of 72.4% from the previous month.
Under the joint efforts of various policies, the sales of some housing enterprises also showed signs of a slight rebound from the previous month. According to Mysteel's statistics, the sales of key real estate enterprises in February 2022 17 totaled 294,765,438+97 million yuan, down 38.94% year-on-year. However, the sales in June 5438+February totaled 30.210.23 billion yuan, which was 30.59% lower than that in the same period last year, but increased by 26.44% from the previous month, which was generally warmer.
However, from a global perspective, the key for the real estate industry to get out of the predicament is still on the demand side. In 65438+February and 65438+May last year, the latest housing price data of 70 cities released by the National Bureau of Statistics showed that in the month of1-1.25 million square meters, the sales area of commercial housing nationwide decreased by 23.3% year-on-year, of which the residential sales area decreased by 26.2%. Commodity sales11864.8 billion yuan, down by 26.6%, of which residential sales fell by 28.4%. 1 1 At the end of the year, the area of commercial housing for sale nationwide was 552.03 million square meters, up 10% year-on-year, and the area of residential housing for sale increased 18%.