This should be a general rule within the bank, which generally requires 234, that is, the second-level qualification, more than 30% of its own funds, and four concessions (land certificate, land use planning certificate, construction planning certificate and construction permit).
2. What is the "4-3-2" standard for CBRC to examine trust products?
The "432" regulation specifically means that real estate developers must have "four certificates of the project, 30% of the enterprise capital, and the developer's second-class qualification or above". At that time, the CBRC also requested to control the total amount and conduct a "thorough investigation" of the real estate trust business, and issued a risk monitoring form for the real estate trust business, reaffirming the "prior approval" system.
China Banking Regulatory Commission (CBRC) once again made great efforts in real estate trust and issued the Notice on Doing a Good Job in Risk Monitoring of Real Estate Trust Business, requiring local banking regulatory bureaus to monitor the expected redemption of trust projects due within three months one by one, judge the redemption risks and take corresponding measures to realize "early detection, early warning and early disposal" of redemption risks of real estate trust projects.
Three, real estate development loan developers should have secondary qualifications, which is stipulated by the bank supervision?
The banking regulatory bureau does not have this rigid rule, but only provides a loan risk guide. The detailed rules for implementation shall be formulated by the banks themselves. Judging from the current banking regulations, almost all of them require more than two levels of qualification, which is considered from the perspective of risk control.
Guidelines for Risk Management of Commercial Banks' Real Estate Loans Article 3 A commercial bank shall establish a risk policy for real estate loans and operational audit standards for different types of loans, and clarify the approval standards, operational procedures, risk control, post-loan management and the choice of intermediary agencies for different types of loans.
Article 18 A commercial bank shall conduct an in-depth investigation and review of the real estate development enterprises applying for loans, including basic information such as the nature of the enterprises, the composition of shareholders, qualifications and credit ratings, business management and financial status in the past three years, previous development experience and projects, business dealings with affiliated enterprises, etc. For real estate development enterprises with poor qualifications or poor early development experience, loans should be carefully issued; If there are problems in business management, do not have the corresponding financial strength or have bad business records, it is necessary to strictly limit the issuance of loans. For the real estate development project company established according to the project, its business scope, management and financial status, as well as the above-mentioned situation of shareholders and affiliated companies and their legal relations should be thoroughly investigated and audited according to its own characteristics.
Four, real estate development loan developers should have the second-level qualification stipulated by the bank supervision?
Hello!
The qualification grade of real estate developers shall be managed by the construction department of the registered place, and the relevant system shall be formulated by the competent construction department. The newly established company can only get a tentative qualification grade. The corresponding qualification level corresponds to the total construction area of the developable project. In addition to the accumulated development area, we should also investigate the number of relevant professional and technical personnel to upgrade their qualification level. If you want to ask real estate developers whether they must have a second-class qualification grade or above when they borrow from banks, the lending bank has the final say. The banking regulatory bureau has no clear regulations.
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