Yi Gang, deputy director of the Economic Committee of the National Committee of the Chinese People's Political Consultative Conference (CPPCC), put forward a proposal to establish an insurance mechanism for real estate pre-sale funds. This mechanism is used by the Ministry of Finance or the People's Bank of China to withdraw pre-sale insurance at 1% of the balance of pre-sale regulatory funds every year, and it is expected that the annual withdrawal of insurance will be about 10 billion yuan. The implementation period of this mechanism is initially considered to be three years (2024-2026), and it is expected that a total of about 30 billion yuan of pre-sold insurance** will be withdrawn. At the same time, Yi Gang also suggested that real estate enterprises should be allowed to use a certain proportion of pre-sale supervision account funds in accordance with the corporate governance structure in accordance with laws and regulations, and it is estimated that about 1 trillion yuan of funds can be used immediately by real estate enterprises.
The proposal of this proposal has undoubtedly injected new thinking power into the current property market regulation, and also provided new ideas for the balance of interests between home buyers and developers.
At present, the development of the real estate market has become an important pillar of the national economy, however, the pre-sale system, as a major feature of the real estate market, is also accompanied by certain risks. The supervision of pre-sale funds has always been a difficult and painful point in the regulation of the property market. Yi Gang's suggestion is to solve this problem and put forward a practical solution.
According to Yi Gang's assumption, this mechanism will be withdrawn by the Ministry of Finance or the People's Bank of China at 1% of the balance of pre-sale regulatory funds every year, with a preliminary estimate of about 10 billion yuan per year. Within three years, a total of about 30 billion yuan of pre-sold insurance** was withdrawn. This fund will be used as a strong guarantee for the steady development of the property market, to deal with possible capital risks, and to protect the legitimate rights and interests of home buyers.
At the same time, Yi Gang also suggested that real estate enterprises should be allowed to use a certain proportion of the pre-sale supervision account funds in accordance with the corporate governance structure in accordance with the law and compliance. It is estimated that about 1 trillion yuan of funds can be used immediately by real estate companies. This measure will effectively alleviate the financial pressure of real estate enterprises, improve their operational efficiency and market competitiveness, and also inject more vitality into the property market.
Yi Gang's proposal not only reflects the thoughtful consideration for the healthy development of the property market, but also shows deep concern for the rights and interests of home buyers. In the context of the current property market regulation, this suggestion has undoubtedly injected new vitality into the property market and provided new possibilities for the balance of interests between home buyers and developers.
The implementation of any new policy requires careful consideration and careful planning. How to ensure the effective operation of the pre-sale fund insurance mechanism? How to balance the interests of real estate companies and home buyers? These are all questions that we need to think deeply about.
First of all, the establishment of the pre-sale fund insurance mechanism needs to be based on sufficient market research and risk assessment. Only by accurately understanding the actual situation and potential risks of the property market can practical policy measures be formulated. At the same time, it is also necessary to establish a sound regulatory mechanism to ensure the safe use of funds and effective supervision.
Secondly, the balance of interests between real estate companies and home buyers is also an important task. While protecting the rights and interests of home buyers, it is also necessary to fully consider the reasonable demands and development needs of real estate enterprises. Only by achieving a win-win situation for both parties can we promote the healthy development of the property market.
It is also important to pay attention to the impact of this policy on the economy as a whole. The stable development of the real estate market is of great significance for the growth of the national economy. Therefore, while promoting the regulation and control of the property market, it is also necessary to fully consider its impact and driving role on the overall economy.
Yi Gang's proposal to establish an insurance mechanism for real estate pre-sale funds provides us with a new direction for thinking. In the process of implementation, we need to fully consider the factors and influences of various aspects to ensure the scientific and effective policy. At the same time, it is also expected that this policy can provide new guarantees and support for the steady development of the property market.
In the future development of the property market, we look forward to seeing more innovative ideas and policy measures. At the same time, it is also expected that home buyers and real estate companies can achieve win-win development in a fair, just and open market environment. Let us work together to promote the healthy, stable and sustainable development of the property market.
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