Recently, a number of commercial banks such as China Construction Bank, Industrial and Commercial Bank of China, Agricultural Bank of China, and Bank of Communications held a bank-enterprise symposium to support the reasonable financing needs of real estate enterprises, docking with a number of key real estate enterprises, discussing bank-enterprise cooperation and jointly addressing challenges.
CCB held a discussion with representatives of six real estate companies, including Longfor Group, Vanke Group, Xincheng Holdings, Binjiang Group, Midea Real Estate and Dahua Group. The company said that it is currently facing phased difficulties, tight liquidity, and market expectations need to be further stabilized, and the key to the next step is to improve the level of refined management and product strength. CCB said that the real estate industry is a pillar industry of the national economy, with a large industrial scale, a long chain and strong driving force, which is related to economic stability and people's livelihood. CCB will work hand in hand with enterprises to better support the reasonable financing needs of real estate enterprises, increase domestic and overseas linkage services and mother-child synergy for normal real estate enterprises, and help enterprises improve liquidity through a full range of financial services such as credit support, investment banking services, bond investment, extension and adjustment of repayment arrangements, help real estate enterprises go through the cycle, and do a good job in "ensuring property delivery, people's livelihood and stability", so as to promote the stable and healthy development of the real estate market.
At present, CCB has introduced five measures to escort real estate enterprises, including "opening up a green channel for approval", "lowering the prices of development loans and mortgages", "making good use of the three arrows of credit, bonds and equity", "creating four bail-out models", and "launching five types of special products such as operating property loans and housing rental purchase loans", and promoting the establishment of a long-term mechanism of "daring to lend, willing to lend, able to lend, and will lend" from various aspects such as credit policy, product innovation, approval and lending, price guarantee, and due diligence and exemption. Since the beginning of this year, CCB has invested nearly 3000 billion yuan in loans to the public real estate industry, nearly one trillion yuan in personal housing loans, and more than 300 billion yuan in bond investment and underwriting for real estate enterprises. For real estate enterprises in normal operation, CCB resolutely does not hesitate to lend, does not draw loans, and continues to lend, stabilizes financial support, meets their reasonable financing needs, and gives full play to its positive role in enriching market supply and stimulating market vitality.
The real estate enterprises that ICBC has recently contacted and exchanged with cover various market entities, including national real estate enterprises, regional real estate enterprises, state-owned enterprises, private enterprises and mixed-ownership enterprises. ICBC said that it will focus on the three major projects of "urban villages, affordable housing, and dual-use of ordinary and emergency" in the fields of rigid and improved housing and rental housing, and increase resource investment in real estate development loans, personal housing mortgage loans, merger and acquisition loans, syndicated loans, and bond underwriting and investment, so as to support the multi-dimensional and reasonable financing needs of real estate enterprises in various cycles. For non-state-owned real estate enterprises, we will start by optimizing credit policies, speeding up the approval and lending, and clarifying due diligence and exemption from liability, and establish and improve a long-term mechanism of "daring to lend, willing to lend, able to lend, and willing to lend", and continue to improve the service quality and support for non-state-owned real estate enterprises.
It is understood that since the beginning of this year, ICBC has invested more than 3000 billion yuan in public real estate loans and nearly one trillion yuan in personal housing loans.
Recently, the Agricultural Bank of China held a bank-enterprise business symposium with Vanke Group, Longfor Group and other real estate companies. The bank and the enterprise said that on the basis of strengthening the cooperation of traditional real estate business, they will actively promote cooperation in the "three major projects" such as affordable housing, urban village transformation, and "level-emergency dual-use" public infrastructure, and work together to promote the stable and healthy development of the real estate market and contribute to the smooth operation of the economy and the transformation of the real estate development model.
Bank of Communications recently launched "face-to-face" exchanges with 15 real estate companies. The relevant departments of the Bank of Communications said that they will establish a special working class, create an exclusive approval channel, implement a special plan for balance sheet improvement, and support the financing of real estate enterprises under different ownership systems and promote the construction of affordable housing, the transformation of urban villages, and the construction of public infrastructure for both ordinary and emergency purposes. Meet the reasonable financing needs of real estate enterprises with different ownership systems without discrimination, and promote the steady and healthy development of the real estate industry.
(CCTV reporter Wang Lei)