Economic Observer Tian Guobao articleOn January 26, the Ministry of Housing and Urban-Rural Development held a deployment meeting of the urban real estate financing coordination mechanism, requiring the establishment of an urban real estate financing coordination mechanism, and the people of cities at and above the prefecture level should play a leading and coordinating role, quickly establish a real estate financing coordination mechanism, and put it into operation, timely study and judge the local real estate market situation and real estate financing needs, build a communication platform between government and banks, promote the precise docking of real estate enterprises and financial institutions, and coordinate and solve the difficulties and problems existing in real estate financing.
The meeting emphasized that in view of the current financing problems of some real estate projects, all localities should take the project as the object, pay close attention to the study and propose a list of real estate projects that can be given financing support, coordinate the issuance of loans by financial institutions within their administrative regions, and accurately and effectively support reasonable financing needs.
At the same time, it is necessary to ensure that credit funds are operated in a closed manner and used in accordance with regulations, and resolutely prevent misappropriation. At the provincial level, track and monitor the implementation of the situation, and strengthen supervision and guidance; At the national level, establish a project information platform for the coordination mechanism of urban real estate financing, and implement weekly scheduling and monthly notification; The Ministry of Housing and Urban-Rural Development has strengthened the implementation of the mechanism.
It is not difficult to find that the so-called financing whitelist is only for the project, not the previously rumored real estate companies. As of February 2, 11 cities, including Chongqing, Nanning, Wuhan, Dalian, Chengdu, Xi'an, Kunming, Qingdao and Harbin, have pushed the first batch of real estate project financing whitelists to banks.
Among them, Chongqing involves 314 projects, with a financing demand of 83 billion yuan; Kunming involves 212 projects, with a financing demand of 91.6 billion yuan; Qingdao involves 84 projects, with a financing demand of 25 billion yuan; Xi'an involves 54 projects, involving financing of 17.9 billion yuan; Chengdu involves 227 projects, Wuhan involves 101 projects, and Nanning involves 10 projects.
Although the real estate financing coordination mechanism has been established, and many provinces and cities have also established corresponding whitelist projects, how to implement them is still a difficult problem. A source from a financial institution told the Economic Observer that for banks, the primary consideration of whether to finance a project is still the background of shareholders and self-solvency, and has little to do with whether it is included in the white list.
Another banker told the Economic Observer that because financing involves risks, relevant grassroots staff need to bear corresponding responsibilities, and the real estate financing coordination mechanism needs to establish a clear responsibility mechanism if it wants to run unimpeded.