China's housing loan growth rate last year was lower than the growth rate of various loans for the first time in 8 years

  China News Service, Beijing, January 15 (Reporter Wei Xi) Zou Lan, Director of the Financial Markets Department of the Central Bank of China, said at a press conference held by the State Council Information Office on the 15th that the growth rate of China's real estate loans in 2020 is lower than that of all categories for the first time in eight years. Loan growth rate, the proportion of new real estate loans in various loans fell from 44.8% in 2016 to 28% last year.

  Talking about the direction of the real estate financial policy in the future, Zou Lan said that the central bank will adhere to the positioning of “no speculation in housing and housing”, take both rent and purchase, implement policies in different cities, maintain the continuity, consistency, and stability of real estate financial policies, and implement real estate financial prudence steadily Management system, increase financial support for the development of the housing rental market, and promote the steady and healthy development of the real estate market.

  In recent years, the People's Bank of China has insisted on the positioning of "the house is for living, not for speculation."

Zou Lan said that the central bank has fully implemented the real estate long-term mechanism around the goal of stabilizing land prices, housing prices, and stabilizing expectations, and strengthened real estate financial management, focusing on three aspects of work.

  First, the financial regulation of real estate has been strengthened.

Lead the financial sector to strengthen the statistical monitoring of the inflow of various funds into real estate, guide the reasonable growth of real estate loans of commercial banks, and promote more financial resources to flow to key areas and weak links such as manufacturing and small and micro enterprises.

  Second, implement the prudent management system of real estate finance.

Implement a long-term mechanism, implement policies based on the city, and implement differentiated housing credit policies; follow the direction of regulation and transparency, form key real estate enterprise fund monitoring and financing management rules; establish and improve the macro-prudential management system of real estate finance.

  Third, improve housing leasing financial policies.

In accordance with the direction of "simultaneous hire and purchase", speed up the study of financial policies to support the housing leasing market.

This policy will soon solicit public opinions.