國家金融與發(fā)展實驗室近日發(fā)布的季報指出，市場主體和監(jiān)管層應(yīng)當(dāng)穩(wěn)妥處理“集體停貸”事件，有力推進“保交樓”工作。多個政府部門和銀行均發(fā)聲表示將采取措施穩(wěn)定房地產(chǎn)業(yè)，保障預(yù)售房交付。

Market entities and regulators should handle homebuyers' threats to halt mortgage payments on unfinished projects in a steady manner and strongly push forward the work of ensuring timely deliveries of presold homes, said a quarterly report recently issued by the National Institution for Finance & Development.

國家金融與發(fā)展實驗室近日發(fā)布的季報指出，市場主體和監(jiān)管層應(yīng)當(dāng)穩(wěn)妥處理“集體停貸”事件，有力推進“保交樓”工作。

In the first half, the central government kept sending positive signals that China is fine-tuning housing regulatory policies to stabilize market expectations and mitigate default risks faced by Chinese property developers. It required local governments to give a vigorous boost to the efforts to ensure timely deliveries of presold homes and safeguard people's livelihoods, the report said.

上半年，中央政府不斷發(fā)出積極信號，表示中國正在微調(diào)住房監(jiān)管政策，以穩(wěn)定市場預(yù)期，緩解中國房地產(chǎn)開發(fā)商面臨的違約風(fēng)險。報告稱，這要求地方政府大力推動確保及時交付預(yù)售住房和保障人民生計的努力。

Thanks to the impact of a positive housing policy environment, the real estate finance situation improved marginally in China in the first half. The average mortgage interest rate nationwide for first-time homebuyers kept falling during the period. The figure was around 4.4 percent at the end of the first half, 5 basis points lower than the then over-five-year loan prime rate, a market-based benchmark lending rate, the report said.

由于積極的住房政策環(huán)境的影響，上半年中國的房地產(chǎn)金融狀況略有改善。在此期間，全國首次購房者的平均按揭利率持續(xù)下降。報告稱，上半年末，這一數(shù)字約為4.4%，比當(dāng)時的五年期以上貸款最優(yōu)惠利率（一種基于市場的基準(zhǔn)貸款利率）低5個基點。

Earlier this month, an official of the China Banking and Insurance Regulatory Commission said under the orderly management of local governments who are tasked with seeing that responsibilities are fulfilled by all stakeholders, the CBIRC will guide banks to take an active part in finding real estate funding solutions, grant credit to qualified home developers, and take various measures to promote actions ensuring timely deliveries of presold homes.

本月早些時候，中國銀行業(yè)和保險監(jiān)督管理委員會（CBIRC）的一位官員表示，在地方政府的有序管理下，CBIRC將引導(dǎo)銀行積極參與尋找房地產(chǎn)融資解決方案，向合格的房地產(chǎn)開發(fā)商提供信貸，并在其監(jiān)管下確保所有利益相關(guān)者履行責(zé)任，并采取各種措施促進確保及時交付預(yù)售住房的行動。

The official said that in the next stage, the CBIRC will effectively satisfy reasonable financing needs of real estate companies, give substantial support to the construction of rental homes, support mergers, acquisitions and the restructuring of housing projects, and better meet the rigid and upgraded demand for housing with a focus on new urbanites and young people living in cities and towns.

這位官員表示，在下一階段，CBIRC將有效滿足房地產(chǎn)公司的合理融資需求，大力支持租房建設(shè)，支持兼并、收購和住房項目重組，更好地滿足剛性和升級的住房需求，重點關(guān)注新城鎮(zhèn)居民和城鎮(zhèn)年輕人。

The regulator defined new urbanites as people who live in a city permanently but have not yet obtained a local hukou, or those who obtained a local hukou within the past three years.

監(jiān)管機構(gòu)將新城市居民定義為永久居住在城市但尚未獲得當(dāng)?shù)貞艨诘娜耍蛟谶^去三年內(nèi)獲得當(dāng)?shù)貞艨诘娜恕?/p>

Yao Hong, vice-president of the Postal Savings Bank of China, said the large State-owned commercial lender will grasp the opportunities brought by China's strategies to promote rural revitalization, a new type of urbanization and regional development, as well as step up support for new urbanites' borrowing needs for home purchases.

中國郵政儲蓄銀行副行長姚宏表示，這家大型國有商業(yè)銀行將抓住中國促進農(nóng)村振興、新型城市化和區(qū)域發(fā)展戰(zhàn)略帶來的機遇，并加大對新城市居民購房貸款需求的支持力度。

PSBC will continuously maintain close communication with relevant government departments and real estate developers to promote the resumption of work and production of stalled housing projects. In addition, the bank will continue to allow customers with COVID-19-related repayment difficulties to defer repayments on mortgage loan principal and interest, Yao said at a news conference announcing the bank's 2022 interim results on Tuesday.

PSBC將繼續(xù)與相關(guān)政府部門和房地產(chǎn)開發(fā)商保持密切溝通，以促進停建房屋項目的復(fù)工和生產(chǎn)。此外，姚宏在周二宣布2022年中期業(yè)績的新聞發(fā)布會上表示，該行將繼續(xù)允許有疫情相關(guān)還款困難的客戶推遲償還抵押貸款本金和利息。

The overall risk of PSBC's mortgage loans remains controllable, she said. Last month, the bank announced that the balance of its mortgage loans exceeded 2 trillion yuan ($291.69 billion), of which the balance of overdue loans related to stalled housing projects was only a tiny proportion at 127 million yuan.

她說，PSBC抵押貸款的總體風(fēng)險仍然可控。上個月，該行宣布其抵押貸款余額超過2萬億元，其中與停滯的住房項目有關(guān)的逾期貸款余額僅占1.27億元的極小比例。

Ping An Bank, a national joint-stock commercial lender based in Shenzhen, Guangdong province, said recently it will focus on supporting the development and operations of government-subsidized housing and rental housing as well as M&As of real estate projects that are in line with China's housing policy orientation.

總部位于廣東省深圳的全國性股份制商業(yè)銀行平安銀行最近表示，將重點支持政府補貼住房和出租住房的開發(fā)和運營，以及符合中國住房政策方向的房地產(chǎn)項目的并購。

The bank will actively participate in the underwriting of and investment in bonds issued to finance real estate company M&A deals. At the same time, it will continuously strengthen risk management of corporate real estate loans to realize all-around monitoring of customer operations, project schedules, asset status and the flow of money, said Ping An Bank's 2022 interim results report.

平安銀行將積極參與為房地產(chǎn)公司并購交易融資而發(fā)行的債券的承銷和投資。同時，平安銀行2022年中期業(yè)績報告稱，該行將不斷加強企業(yè)房地產(chǎn)貸款的風(fēng)險管理，以實現(xiàn)對客戶運營、項目進度、資產(chǎn)狀況和資金流動的全方位監(jiān)控。

China Merchants Bank, another national joint-stock commercial lender, also said it will strengthen the forward-looking forecast of the real estate risk situation and continue to adjust the structure of real estate customers, regions, businesses and products while focusing on key cities and strategic customers.

另一家全國性股份制商業(yè)銀行招商銀行也表示，將加強對房地產(chǎn)風(fēng)險狀況的前瞻性預(yù)測，并繼續(xù)調(diào)整房地產(chǎn)客戶、地區(qū)、業(yè)務(wù)和產(chǎn)品結(jié)構(gòu)，同時重點關(guān)注重點城市和戰(zhàn)略客戶。

英文來源：中國日報

編輯：丹妮