On April 20, this newspaper learned from Yancheng Housing Provident Fund Management Center in Jiangsu Province that Yancheng recently adjusted its housing provident fund loan policy. If all family members meet the loan conditions, the maximum loan amount will be adjusted from 400,000 yuan to 600,000 yuan; If only one person meets the loan conditions, the maximum loan amount will be adjusted from 200,000 yuan to 300,000 yuan.
At the same time, the New Deal makes it clear that employees who have settled the first provident fund loan (including loans from different places) can apply for provident fund loans again after the implementation of the new policy, and the loan interest rate is 1. 1 times the benchmark interest rate of individual housing provident fund loans in the same period.
According to the New Deal, if all family members meet the loan conditions, the guaranteed loan amount will be adjusted from 6,543,800+0.5 million yuan to 200,000 yuan; If only one person meets the loan conditions, the secured loan amount will be adjusted from 80,000 yuan to 654.38+10,000 yuan.
As for the reasons for this adjustment, Yancheng Housing Provident Fund Management Center pointed out that in March 2065438+2005, in response to the deployment requirements of promoting new urbanization and promoting the transformation and upgrading of the real estate market, Yancheng adjusted the maximum loanable amount of individual housing provident fund loans from 200,000 yuan to 300,000 yuan for a single person and 400,000 yuan for a family to 500,000 yuan. After the implementation of the policy, the scale of provident fund loans has gradually increased, and the personal loan rate has risen rapidly. By the end of September 2065438+2007, the personal loan ratio reached 145.6%, and the risk of insufficient liquidity of provident fund funds was highlighted. 20/kloc-in June, 2007, Yancheng adjusted the maximum loan amount, from 500,000 yuan to 400,000 yuan for families and from 300,000 yuan to 200,000 yuan for singles, and cancelled the supporting policy of housing provident fund loans for second home purchases. Since 20 17, Yancheng Housing Provident Fund Management Center has intensified the expansion of provident fund, strengthened the management of collection and deposit, and strictly implemented the loan policy. Through continuous efforts, by the end of March 2022, the personal loan rate has dropped to 85%, and the liquidity of funds has improved significantly.
According to the incomplete statistics of the paper, since April alone, many places including Longyan, Nanping, Taizhou, Jiangsu, Lishui, Zhejiang, Taizhou, Gansu, Kunming, Yunnan, Jingmen, Hubei, Tianjin, Ziyang, Sichuan, etc. have introduced new provident fund policies, including reducing the down payment ratio, increasing the loan amount, and allowing parents to withdraw the provident fund to support their children to buy houses.
In 20 17, the amount of domestic real estate loans in China was higher than that of personal mortgage loans (
Conclusion: In 20 17 years, the amount of domestic real estate loans in China was more than personal mortgage loans.
Reasons: On the one hand, the real estate industry is an important pillar industry of China's economy, and the government encourages developers to invest in real estate projects by providing various loans and subsidies; On the other hand, the rapid development of the real estate industry has attracted a large number of individual housing needs, which can only be achieved by means of bank mortgage loans.
Content extension: However, the over-developed real estate market may lead to the formation of bubbles and pose a threat to the financial system and macroeconomic stability.
Therefore, the government has strengthened the regulation of the real estate market in recent years, which means that the total amount of real estate loans may be affected.
At the same time, more and more people begin to pay attention to the long-term rental market, which will also have an impact on the real estate market and loan amount.
Personal loan amount of China Industrial and Commercial Bank (20 17)
China Industrial and Commercial Bank has a personal loan of 20 17, with a maximum loan amount of 3 million yuan and a loan term of 1 year.
Have legal and valid identity certificate, household registration certificate (or valid residence certificate), marital status certificate 1, valid identity certificate of the borrower and its spouse, household registration certificate, and original and photocopy of marital status certificate. Proof materials such as bank settlement account details or tax payment vouchers that can reflect the operating conditions of the borrower or its business entities in recent days. It can provide legal, effective and reliable loan guarantee recognized by the lender.
The maximum loan amount is 3 million yuan, and the loan period is 1 year.
Loan terms:
1. A natural person with full capacity for civil conduct, aged between 18 (inclusive) and 60 years old (exclusive). Foreigners and residents of Hong Kong, Macao and Taiwan who are borrowers should have lived in People's Republic of China (PRC) for one year and have a fixed residence and occupation.
2. Have legal and valid identity certificate, household registration certificate (or valid residence certificate) and marital status certificate;
3. The borrower has legal business qualifications and can provide business licenses for individual industrial and commercial households, partnerships or enterprise legal persons;
4, with a stable source of income and the ability to repay the loan principal and interest in full and on time;
5. It has a good credit record and repayment willingness, and the borrower and its business entities have no bad credit records in known financial institutions such as China Industrial and Commercial Bank;
6. It can provide legal, effective and reliable loan guarantee recognized by the lender;
7. The borrower opens a personal settlement account in China Industrial and Commercial Bank;
8. Other conditions stipulated by China Industrial and Commercial Bank.
The difference between the four major banks and the five major banks
The difference between the four major banks and the five major banks
The difference between the four major banks and the five major banks is that "five major banks" or "four major banks" are just abbreviations, and each bank has its own advantages and disadvantages. Today, I will talk to you about the differences between the four major banks and the five major banks, and then we will look down.
The difference between four lines and five lines is 1.
"Five lines" and "Four lines" both exist.
China's four major banks refer to China Industrial and Commercial Bank, China Agricultural Bank, China Bank and China Construction Bank (industry, agriculture, China and construction), also known as the central four banks, representing China's strongest financial capital.
China's five largest banks refer to five large state-owned joint-stock commercial banks, including China Industrial and Commercial Bank, China Agricultural Bank, China Bank, China Construction Bank and Bank of Communications (Industry, Agriculture, China, Construction and Communications).
The difference between the two is that the "five major banks" have an additional Bank of Communications. Bank of Communications was established earlier and was once one of the four largest banks in old China. 1986 was reorganized to become the first state-owned joint-stock commercial bank in new China. It is a pioneer in the reform of national financial system.
But now, from all aspects, Bank of Communications is not as good as the other four major banks. First of all, the scale is relatively small. In some small towns, you can still see the "four major banks", but you can't see the online mall of Bank of Communications.
In addition, the bank is an important financial institution in the country. The headquarters of the "big four banks" are all in Beijing, while the headquarters of Bank of Communications is in Shanghai. Although there have been double headquarters in recent years, there are still some differences.
In fact, the "five major banks" or "four major banks" are just a title, and each of the five major banks has its own bright spots and glories, just as Bank of Communications was one of the banks that discovered paper money in China in the early days. It is the first domestic bank to be listed in Hong Kong and the Mainland.
Therefore, if the "five major banks" or "four major banks" can afford this title, they will have their place. Generally speaking, the business coverage of each bank is relatively wide and diversified. At the same time, these five banks also have their own characteristics.
The difference between the four major banks and the five major banks 2
When it comes to big banks, many people may first think of the four state-owned banks built by workers and peasants, which are also the four most common banks for ordinary people. These four banks cover a wide range, and basically all cities above the county level will cover them. Therefore, the four banks that ordinary people have the most contact with are commonly known as the four major banks.
A slightly more professional person may know the five major banks, that is, the five state-owned banks that have established diplomatic relations among workers and peasants. These five banks are the most famous state-controlled joint-stock commercial banks in China. What you may not be familiar with is the Bank of Communications. Compared with the other four major banks, the coverage of Bank of Communications is relatively small, and many counties have no branches of Bank of Communications. But Bank of Communications is one of the largest banks in China and the earliest one. Established in 1908 and headquartered in Shanghai. It is one of the oldest state-owned commercial banks in China and one of the note-issuing banks in modern China.
But judging from the actual situation of the current market, it should be exactly six major banks. In addition to the establishment of diplomatic relations between workers and peasants, there is another bank that everyone is not familiar with, that is, China Postal Savings Bank. In terms of scale alone, the Postal Savings Bank is bigger than the Bank of Communications. China Postal Savings Bank is also one of the state-owned commercial banks, which belongs to China Post Group Corporation. Postal savings bank was formally established on March 20, 2007. It was formed on the basis of the financial business of the original postal system. For example, the former post office deposit and loan business is now one of the businesses of China Postal Savings Bank.
So how big are these six banks? Let's look at several sets of data.
1, asset size
The total assets of the six major banks were 106 and 783 trillion respectively, of which ICBC exceeded 25 trillion, CCB and ABC both exceeded 20 trillion, China Bank approached 20 trillion, and Bank of Communications and Postal Savings Bank just exceeded 9 trillion.
2. Deposit and loan scale
At the end of 20 17, the loan scale and deposit scale of the six major state-owned banks were 55.68 trillion yuan and 78.44 trillion yuan respectively.
3. Operating income
By the end of 20 17, the operating income of the six state-owned banks totaled 2,770 trillion yuan.
4. Number of employees and customers
By the end of 20 17, the total number of employees of the six major state-owned banks reached 186 and 5 10000 respectively; Judging from the number of individual customers, ICBC, Agricultural Bank of China and Postal Savings Bank all have more than 500 million individual customers, while CCB and BOC also have nearly 500 million individual customers. The number of individual customers of Bank of Communications is relatively low, only 1 and 3.2 billion.
The difference between the four major banks and the five major banks 3
1, Industrial and Commercial Bank of China1983 In September, the State Council decided that the People's Bank of China should exercise the functions of the central bank exclusively and establish Industrial and Commercial Bank of China (ICBC). Undertaking the industrial and commercial credit and savings business originally handled by the People's Bank of China. 1 984 65438+1October1,China Industrial and Commercial Bank was formally established. On October 28th, 2005/kloc-0, China Industrial and Commercial Bank was restructured into a joint stock company, and listed on the Shanghai Stock Exchange and the Hong Kong Stock Exchange on October 27th, 2006.
2. In order to strengthen the state's management of funds supporting agriculture and meet the needs of rural economic system reform, China Agricultural Bank resumed in early 1979 and became a national professional bank specializing in rural financial business.
1994, China Agricultural Development Bank was established separately. 1996, rural credit cooperatives and China Agricultural Bank were separated from administrative subordination, and China Agricultural Bank began to transform into a wholly state-owned commercial bank. On June 5th, 2009, 65438, China Agricultural Bank was transformed into a joint-stock company. On July 20 10, the Agricultural Bank of China was listed on the Shanghai Stock Exchange, completing the leap from a publicly-held bank. In July of the same year, 15, Agricultural Bank of China was successfully listed in Hongkong.
3. Bank of China was established in 19 12. 1949 in the 37 years after its founding, People's Republic of China (PRC) was then the national central bank, the international exchange bank and the specialized foreign trade bank, and expanded its branches overseas. From 65438 to 0979, China Bank became a specialized foreign exchange and foreign trade bank designated by the state.
From 65438 to 0994, with the deepening of financial system reform, China Bank became a wholly state-owned commercial bank. On August 26th, 2004, Bank of China was restructured into a joint stock company, which was listed on the Hong Kong Stock Exchange on June 1 2006 and on the Shanghai Stock Exchange on July 5th, 2006.
4.ChinaConstructionBank China Construction Bank (CCB), formerly known as the People's Construction Bank of China, was formally established on June 1 954+1October1,and was once under the Ministry of Finance. 1979 became an independent professional bank engaged in long-term credit business. On September 7, 2004, China Construction Bank was transformed into a joint stock company and listed on the Hong Kong Stock Exchange on September 27, 2005.
5. Bank of Communications was re-established on April 1987, which is the first national joint-stock commercial bank in New China. It was listed on the Hong Kong Stock Exchange on June 23, 2005 and on the Shanghai Stock Exchange on May 15, 2007.
What is the balance of Bank of Communications Green Credit 20 17?
According to the financial statement of Bank of Communications in 20 17, as of 20 17 12 3 1, the balance of green credit of Bank of Communications was 373.925 billion yuan. Bank of Communications continued to increase its support for green finance in 20 17, and the balance of green credit increased by 17.2% compared with 20 16. Bank of Communications regards green finance as an important development strategy, actively promotes green financial innovation, promotes green financial development, supports green economic development, promotes green financial product innovation, increases support for green finance, promotes green financial development and supports green economic development, and has made important contributions to green development.
This concludes the introduction of 20 17 loan scale and 20 17 bank loan. Did you find the information you needed?