On the same day, Yi Gang, governor of the central bank, said in his speech at the opening ceremony of the 2022 annual meeting of the Financial Street Forum: "In view of the risk exposure of some real estate enterprises in the early stage, we issued a special loan of 200 billion yuan to support the construction and delivery of sold houses, and studied and established a structural policy tool to encourage commercial banks to support the delivery of houses."
It can be seen from the two consecutive statements made by the People's Bank of China and China Banking Regulatory Commission on the same day that the supporting financing support for Baojiaolou is about to land. Regarding the current progress of supporting financing, Pan revealed that it is necessary to improve the legal guarantee and regulatory policy support for the new supporting financing of the "Baojiaolou" special loan and accelerate the implementation of "Baojiaolou".
The central bank will push another 200 billion yuan to guarantee the housing loan support plan.
It is reported that at present, the specific operation plan of structural policy tools is seeking the opinions of commercial banks and will be launched in the near future to speed up the implementation of "affordable housing", safeguard the legitimate rights and interests of housing consumers and promote the stable and healthy development of the real estate market.
In this regard, Li, chief researcher of the Housing Policy Research Center of Guangdong Urban Planning Institute, said that the 200 billion yuan Baojiaolou loan support plan is another powerful measure to rescue the market funds and boost the confidence of the property market in the near future, and it is also a supplement to the special loan for Baojiaolou. Compared with the special loan, it needs to repay 3% interest. This 200 billion yuan loan plan is an interest-free refinancing provided by the People's Bank of China, that is, commercial banks can get the money and lend it to the relevant entities of Baojiaolou, which shows that the central bank encourages commercial banks to participate in the financing of Baojiaolou.
For the "Baojiaolou" loan support plan, the housing enterprises also expressed their expectations for the implementation of the policy. A person in charge of the relevant departments of housing enterprises in danger said: "The similar structural policy tools for commercial banks to support' affordable housing' are definitely worth looking forward to, but we still don't know how to land; Whether the total amount of special loans for' Baojiaolou' will continue to increase, and according to what standards, which cities, enterprises and projects will be given priority, this is a very specific issue, and we look forward to the detailed rules of the policy. "
In fact, on June 5438+065438+1October1,the central bank and the China Banking Regulatory Commission jointly issued the Notice on Doing a Good Job in Financial Support for the Stable and Healthy Development of the Real Estate Market, which clearly proposed for the first time to encourage financial institutions to provide supporting financing support and promote the resolution of the risks of personal housing loans that have not been handed over.
In just 10 day, from the proposal of "matching financing for financial institutions" to the promotion of "Baojiaolou loan support plan", it can be seen that the national level attaches importance to the work of "Baojiaolou" and also reflects the urgency of promoting the work of "Baojiaolou" at present.
At present, the total fund pool supporting Baojiao Building has reached 400 billion yuan, which also provides strong financial support for Baojiao Building.
The special loan for Baojiaolou has landed in several cities.
In terms of landing, since the Political Bureau of the Central Committee first mentioned "Baojiaolou" on July 28th this year, at present, the special loans for "Baojiaolou" have landed in many provinces and cities, from Shenyang, the city where the first special loan landed, to Zhengzhou, the city with the highest amount of special loans, and then to Harbin, Changsha, Tianjin and other cities.
Take Zhengzhou, the key city of Baojiao Building, as an example. Its application for a special loan for Baojiao Building is 7 billion yuan, which is the highest city at present. At present, Zhengzhou has conducted a comprehensive audit of 95 projects using the special loan of "Baojiaolou" in the whole city.
In addition to the special loan for Baojiao Building, many provinces and cities have launched real estate relief theme funds in combination with the actual situation of local Baojiao Building. For example, Hubei Asset Management Co., Ltd. and Zheshang Asset Management Co., Ltd. jointly set up a 5 billion yuan rescue fund, Zhengzhou launched a/kloc-0 billion yuan real estate rescue fund, Nanning set up a 3 billion yuan real estate stabilization fund, and Shaoxing landed a "stability insurance fund". These funds are led by local governments, or asset management companies, city investment platforms, state-owned enterprises, etc. To establish an investment exit mechanism in a more flexible way.
With the joint efforts of the central and local governments, the work of "guaranteeing the delivery of houses" in many cities has made progress in stages. For example, 10 From September 7th to June 6th, Zhengzhou, the capital of Henan Province, launched a special campaign to "do a big job for 30 days to ensure that the buildings stopped in the city will be fully resumed". 10 On June 6th, Zhengzhou announced the important achievements of the special action: 47 commercial housing projects that have been sold, stopped or semi-stopped in Zhengzhou have achieved comprehensive and substantial resumption of work, and 2 projects that have not resumed work are expected to resume work before the end of June.
At the same time, the Beijing News reporter learned that at the end of 10, after 28 buildings in Harbin received special funds for "Baojiaolou", many projects resumed work substantially. At present, four projects supported by special funds, including Hua Hong Golden new york Project, Harbin Baoneng City and Sunac, have all resumed work.
In addition, a number of provinces have also announced the delivery of the first project of Baojiao Building, including the first project delivery of Longwan Shengjing in Yiyang City, Luoyang City, the first project delivery of Baojiao Building in Henan Province, and the first officially delivered real estate of Baojiao Building in Aoyuan Yujingwan Community, Changde City, Hunan Province.
Although the current work of ensuring the delivery of buildings has achieved certain stage results, from the national level, the task of ensuring the delivery of buildings is still grim. "Guaranteeing the delivery of the house" is related to the vital interests of the people and the overall harmony and stability of society. By the end of the year, the work of "guaranteeing the delivery of houses" is particularly urgent and needs to be accelerated.
In this regard, the central bank, the China Banking Regulatory Commission and other departments have also formed a * * * understanding of "accelerating the work of building delivery guarantee". At the symposium on credit work of national commercial banks held this time, it was proposed to speed up the implementation of the work of "guaranteeing buildings and handing over houses".
Li said: "The state-level fund bail-out is just an introduction of funds, with the purpose of promoting the injection of funds from all sectors of society with the national credit injection and its symbolic significance. Baojiao Building is a systematic project, which requires the joint efforts of policies, financial institutions, markets and enterprises to stabilize the demand side, stabilize prices and avoid further spread of risks. "
Beijing News reporter Xu Qian
Editor Wu Xin proofreads Fu.