Real estate development loan brakes

-Our correspondent Zhang Zhahui real estate after the new deal, commercial banks have increased the strength of the credit crunch.　　Analysts believe that the new deal should be wary of the bank to bring potential bad debts risk, but in the long term the real estate policy is conducive to bank mortgage risk prevention, will give the bank to bring fresh credit opportunities.　　Development loans under strict control after the State Council started a new round of real estate regulation, the financial institutions of real estate development loans more stringent controls. At present, the CBRC has made clear the principle of "three not lending" to the development of loans and land reserve loans. For the Land Management department to investigate and confirm that there are idle land, speculation of the real estate enterprises, not to issue new loans; for the housing construction department to investigate and identify the cover plate reluctant, hoarding houses, driving up the price of real estate developers no longer give loans, to the misappropriation of bank loans to pay land transfer, that is, to participate in the auction hanging make deposits,　　And then pay the land listing, no more loans.　　Shanghai Banking Regulatory Bureau Director Yan has said that will strictly implement the national Real estate policy requirements, real estate and other key areas of the loan risk, for real estate development loan banks to comprehensive consideration of enterprise qualification, improve collateral standards, loan ratio and other factors, are strictly grasp. In this respect, BOC publicly said that the real estate development loan has maintained pressure, Give-and.　　Focus on supporting the relatively developed economy, the relative stability of house price fluctuations, to live demand for the city's high-quality real estate development projects; For the recent development of overheating, with external investment demand, the price rises too fast areas, strict control of loans.　　and Minsheng Bank real Estate finance department related personage tells reporter, Minsheng Bank has been further consummates the risk management system, by the headquarters direct leadership and the appraisal, the specialized appraisal, carries out the different risk degree asset grading supervision strategy, carries on the specialized management to the real estate finance, guards against the operational risk. Development loan presents "price increment reduction" after a short period of 2008-2009 years of real estate industry, most commercial banks have significantly reduced the investment in real estate development loans, according to China UnionPay letter statistics show that last year's listed bank real estate development loan balance accounted for from the end of 2008 8.14%　　To 7.6% of 2009 years.　　Among them, Citic Bank and Minsheng Bank in the second half greatly compressed the development of real estate enterprises loans, according to the development of loans accounted for the proportion of loan balances, compression margin of nearly 2%, and the listed state-owned large commercial banks, the construction Bank of the real estate enterprise development loans accounted for two consecutive years decline. Analysts believe that the harsh "real estate deal" regulation Neu, the first to face the decline in housing demand led to a rapid reduction of bank mortgage loans and development loan business situation. "The amount of development loans this year is certainly smaller than last year, as far as I know most banks are." "We have a cap on the growth rate of real estate loans this year, calling for a sharp drop in the growth rate of real-estate loans," said people living Bank. Overall implementation of centralized management, risk control, loan delivery mainly focused on the better brand, technicalThe developer of the technique content. CCB People told reporters that the bank's headquarters on the development of loans more stringent, "We implement the list system management, the city construction Bank in advance to the issuance of development loans to the list of target developers to report to the head office, audited by the headquarters." The main support for projects encouraged by national policy now is that there are few loans for commercial housing development. "This year, most banks have also raised the" entry threshold "for development loans significantly.　　A joint-stock bank in charge of the introduction, and even some banks have issued a "limit loan order" for real estate enterprises, even if the loan did not stop, the bank on the Real estate development loan interest rate also appeared a greater degree of improvement, generally in between 5%-20%. Positive adjustment of credit structure China UnionPay letter recently released a research report that large housing enterprises will be the Bank's outstanding customers. Expected in the future, the acquisition of cases will emerge, good enterprises will continue to grow, small and medium-sized housing enterprises will be eliminated. After this round of adjustment, the outstanding housing enterprises will stand out.　　In the long run, real estate is still the pillar industry of China's economic development, excellent housing enterprises will become the bank's best customers. However, from the composition of investment, after the decline in real estate investment, only to increase infrastructure and equipment investment to fill vacancies, to maintain the overall investment growth, so as to support the continued economic lover.　　In this context, the guarantee of non-real estate credit is particularly critical. Analysts believe that banks can adjust the direction of credit, focus on infrastructure and equipment investment, these areas are still the 2010 credit force, especially in the 2008, 2009 has been started, the ongoing project.