On January 26 and February 6, the State Administration of Financial Supervision and Administration held special meetings one after another to deploy and promote the establishment of a coordination mechanism for urban real estate financing. As a financial enterprise under the central management, Everbright Bank has always been mindful of the "great power of the country", adhered to the political and people's nature of financial work, resolutely implemented the best decision-making and deployment, regarded the establishment of the coordination mechanism as an important measure to stabilize market expectations and boost market confidence, and took the initiative to integrate its own development into the overall situation of the country to build a new model of real estate development. After the special meeting, CEB immediately formulated the Work Plan for the Implementation of the Urban Real Estate Financing Coordination Mechanism, and put forward 18 specific measures from eight aspects, including organization and leadership, supporting policies, coordination mechanisms, due diligence and exemption, and marketing docking, to consolidate responsibilities at all levels and fully implement the urban real estate financing coordination mechanism. On February 7, CEB held a special meeting on the implementation of the urban real estate financing coordination mechanism to remobilize and redeploy the promotion work. As of February 9, all 39 first-level branches of Everbright Bank have set up special working groups and connected with the local housing and urban-rural development departments, obtained a total of 2,622 project lists, provided resource guarantee for eligible projects, established green channels, and approved 20 projects in the list with a credit amount of 107500 million yuan, with a loan balance of 501.4 billion yuan to help the efficient operation of the coordination mechanism.
Swift action and strong action.
Taking the initiative and acting quickly is not only the work requirement of the financial regulatory authorities and the housing and urban-rural development department, but also an important path for banks to achieve high-quality development in promoting the financing coordination mechanism. After obtaining the list of the first batch of coordination mechanisms, at the first meeting of the working group of the branch coordination mechanism, the business line and risk line cooperated with the on-site office of the business unit, and completed the key processes such as project communication, review and approval, and resolution approval in only 10 days, and approved two projects in the list of coordination mechanisms, with an approved amount of 8500 million yuan. After the special meeting of the whole bank, the "top leader" of the branch led a team to visit the local housing and construction department to actively connect with the project list, and under the efficient guarantee mechanism of the overall planning and linkage of the head office and branches, and the unified cooperation of the front, middle and back offices, the Wuxi branch quickly completed the marketing tracking and landing of the first batch of projects on the list of coordination mechanisms, and issued loans for two real estate projects15.6 billion yuan, which solved the urgent needs of the project development enterprises, ensured the smooth construction of the project, and ran out of the "Everbright speed".
Treat everyone equally, "should be full".
Meeting the reasonable financing needs of real estate enterprises with different ownership systems without discrimination is a clear requirement put forward by the first financial work conference and the first economic work conference. After obtaining the list of coordination mechanisms, Everbright Bank Shenzhen Branch immediately established contact with the project development enterprises, set up a special working group of the branch, coordinated the promotion, carried out risk assessment of the real estate projects of private enterprises in the list without discrimination, implemented special approval procedures, and optimized loan procedures. As of February 9, the Shenzhen branch of China Everbright Bank had lent 600 million yuan to two private real estate enterprises, ensuring the normal construction of the development projects of the two enterprises. Relying on the stable cooperative relationship with private enterprises under its jurisdiction, China Everbright Bank Jinan Branch accurately supported the reasonable financing needs of private real estate enterprises, and quickly realized loan disbursement after the Liaocheng Coordination Mechanism list was issued1600 million yuan. The working team of Jinan Branch is not only guided by the project list, but also treats projects outside the list equally, and spares no effort to support the development of private real estate enterprises in the region. In January, Jinan Branch approved a new private real estate project of 900 million yuan, and invested 400 million yuan to effectively meet the reasonable financing needs of real estate enterprises.
Real estate is a pillar industry of the national economy. China's economy is picking up, the people's yearning for a better life is increasing, and the demand for living in higher quality houses is increasing. CEB will always adhere to the "people-centered" development philosophy, continue to promote the implementation of the real estate financing coordination mechanism under the guidance of the regulatory authorities, and support the steady and healthy development of the real estate market with the mission and practical actions of the central management financial enterprises.
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