Mr Liu: Real estate regulation does not decrease

To ensure the stability of policy implementation and sustainability of government financing platforms, real estate, excess capacity and other areas of the risk of concern-our correspondent Zhang Zhahui China Banking Regulatory Commission chairman Liu said 20th, the current sustainable and healthy development of banks face a variety of challenges, especially the government financing platform, real estate, The risks in areas such as excess capacity are worth paying attention to.　　In particular, he stressed that the future should adhere to the real estate regulatory efforts do not relax, to ensure the stability and continuity of policy implementation.　　At the CBRC's third economic and financial situation briefing, Liu pointed out that commercial banks should further strengthen the risk management of real estate development loans, and continue to carry out the loan pressure test of real estate and related industries. He asked financial institutions to guard against the compensatory risks of local government financing platforms, continue in accordance with the "packet Open, by-pen check, reassessment, rectification and preservation" of the clean-up requirements, according to the established timetable, the loan to carry out strict and accurate classification, the provision of sufficient to complete the write-off of bad debts, promote the bank reconciliation, and establish a management account　　To classify and dispose of the stock loan after the liquidation, strictly control the new project loan and strengthen the loan risk management. He said the "High energy consumption, high emissions", excess capacity, backward production capacity and other "three types" of industry projects to the credit.　　The loan risk classification is strictly carried out, the corresponding lifting of the provision, increase the verification and disposal of the work, and the use of differential pricing, economic capital occupation, extraction of special provisions and other tools to effectively curb the "three types" of the industry's lending impulse. Liu stressed that the banking institutions should adhere to the deposit restraint lending, capital allocation and reserve constraints, adhere to liquidity, security, profitability of the management order, and strive to build a safe and stable, risk-controllable, sustainable development of the banking system.