Bank's beleaguered real estate regulation and retail structure adjustment the most obvious

January-July new loans to real estate statistics in the present China, no industry like real estate to make people dream around, and no one industry like real estate to make decision makers.　　In a sensitive housing environment, small adjustments are interpreted as signals of policy moves. September 29 night, China's relevant departments to curb the rise in prices thunder attack. In order to curb the price of some cities rising too fast, the country's third set of loans to stop lending.　　Moreover, the down payment ratio of commercial housing increased from 20% to 30%, and the down payment of two homes increased to 50%. There is no doubt that the new round of real estate market regulation is about to be opened, August created by the industry "warmer" will again cool.　　The industry insiders said that the new round of house-price adjustment measures to be introduced before the national day, indicating that from the beginning of this year's April housing price control measures ineffective, the situation has not changed the rising prices. For commercial banks, on the one hand, in order to meet the regulatory level of the deepening of real estate control, and risk prevention is a tightening of the reasons for the mortgage.　　On the other hand, it is the motive of pursuing profit, and makes the tightening of the mortgage becomes the dilemma choice of commercial banks. Mortgage reduction affects profit banks also embarrassed 2.3 billion yuan, December 31.　　This is a state-owned enterprises under the real estate companies need the amount of money and deadlines.　　At the beginning of 2010, the real estate company in Chaoyang District, Beijing, a project completed, in the open sale of 100 sets of internal subscription, internal subscription price of 23000 yuan per square meter.　　The project was then opened for sale at $25000 per square metre, and a state-owned bank provided a 30% down payment for most publicly purchased customers and a loan contract with a loan interest rate of 70 percent at the base rate. Such loan contract sales lasted until the middle of the year, the sales contract contracted about 200 sets.　　At this time the project price has risen to about 27000 yuan per square meter.　　During the sales period, the April 2010 real Estate Cooling policy was introduced, including for many buyers to improve home purchase first payment and mortgage interest rate requirements, the purchase of non-local residents and construction of more affordable. To that end, the State bank stopped subsequent applications for the first payment (30%) of lenders, or asked buyers to increase their down payment (at least 40%) and the loan rate (up to 80 percent).　　But at this time due to the original contract can not get the bank's loan approval, 40% of the loans to buy the house of customers to ask for check-out. When Beijing Wu to a state-owned bank in April, the branch approved the loan interest rate of 70 percent discount and down payment ratio of 30% requirements, only a week later, as the bank to increase the loan interest rate concessions, the bank unilaterally informed WU "70 percent of the total rate is not approved",　　But when Miss Wu's first payment has been called to the other seller. "Can not 70 percent only 85 percent, interest on the increase of more than 200,000, undoubtedly increased the cost of my home purchase." Wu said in an interview with reporters, at this time if Wu defaults, who is responsible? And "in the face of Force majeure" (this refers to national rigidityRegulation policy), "Banks can only assume part of the responsibility," the state-owned Bank of Beijing branch of a branch of the loan officer told reporters, "In fact, this also affects the bank's profits, after all, the bank has always been the main interest of banks." "But the pace of regulation is far from stopping.　　After nearly four months of regulation, China's housing prices have not seen a significant decline, the market rumors of "efficacy" is gradually reduced, leading 11 of the former central bank to join three (CBRC, SFC, CIRC), housing Construction Department, Statistics bureau, Ministry of Land and other departments, have come out to say will not easily relax real estate regulation. Paradoxically, "Huaxia times" reporter noted that regulation has been "shouted" in the form of continuous strengthening, but the results are very little. According to the 2010.5 Annual report, real estate sector loans have been limited during the reporting period, but the real estate sector development loan growth is still relatively fast. The reporter found that according to the end of the report of real estate development loans accounted for data, ranked in the top 5 are Agricultural Bank (601288), Beijing Bank, Minsheng Bank, ICBC and Societe Generale.　　The four banks accounted for more than 10% of the total, 13%, 12.77%, 12.2% and 10.04% respectively. In addition to the real estate development loan Performance "outstanding", individual housing mortgage loan performance equally eye-catching.　　According to the semi-annual data, Societe Generale ranked top of the 85.96%, with Citic Bank, ICBC, China Merchants Bank and AgBank followed by 77%, 71.2%, 67.93% and 62.9% respectively. Real Estate loan is a bank's good assets, in the real estate market under the background of strong regulation, during the semi-annual release, several large banks have said that the future will be based on their own funds, asset structure, selective prudential intervention.