On October 21, the State Council Information Office held a third quarter banking and insurance industry data information and regulatory key work conference.

According to Guan Guan Real Estate New Media, regarding how the China Banking and Insurance Regulatory Commission maintains the stable and healthy development of the real estate market, Liu Zhongrui, head of the Statistical Information and Risk Monitoring Department of the China Banking and Insurance Regulatory Commission, pointed out that the main tasks include the following five aspects:

p>

First, banks are urged to implement the regulatory requirements for real estate development loans and personal housing loans, and cooperate with the People's Bank of China to implement a real estate loan concentration management system. The growth rate of real estate loans is stable and slowing down;

Second , ensuring the credit needs of groups with primary needs. Support first-time home buyers in terms of loan down payment ratio and interest rate. At present, more than 90% of bank personal housing loans are first-time home loans;

Third, city-specific policies are implemented to guide dispatched agencies to cooperate with local governments in regulating real estate and promote the stable and healthy development of real estate markets in various regions;

Fourth, severely punish violations of laws and regulations. Together with the Ministry of Housing and Urban-Rural Development and the People's Bank of China, we jointly issued the "Notice on Preventing the Illegal Flow of Operational Loans into the Real Estate Sector" to guide various localities to carry out special investigations and rectify and hold accountable the violations. The problem of illegal operation-use loans flowing into the real estate sector has been effectively solved. containment. We will carry out nationwide special inspections of real estate for four consecutive years, and punish violations found in accordance with the law;

Fifth, provide steady financial support to the housing rental market. Increase support for affordable rental housing, study and refine financial support measures, and work with the People's Bank of China to promote the pilot project of real estate investment trust funds.

He said that in the next step, the China Banking and Insurance Regulatory Commission will continue to implement the decisions and arrangements of the Party Central Committee and the State Council, adhere to the positioning that houses are for living in, not for speculation, and insist on not using real estate as a means of short-term economic stimulation. , continue to implement the long-term mechanism for real estate, accurately grasp and implement the real estate financial prudent management system, maintain the continuity and stability of real estate financial regulatory policies, and promote the stable and healthy development of the real estate market.

Guide banking and insurance institutions to follow the principles of marketization and rule of law, cooperate with relevant departments and local governments to jointly maintain the stable and healthy development of the real estate market, and safeguard the legitimate rights and interests of housing consumers.