Strengthen real estate financial management. In order to promote the healthy development of the real estate financial market, the People's Bank of China, the Ministry of Housing and Urban-Rural Development and relevant departments have formed the fund monitoring and financing management rules for key real estate enterprises, which are called "three lines and four files" rules. The steady and healthy development of the real estate market is a topic of both economy and people's livelihood. In recent years, the accelerated turnover of real estate enterprises in the mainland has been stimulated by the scale, accompanied by a generally increased debt index, which has increased many risks for enterprise management.

Third-line and fourth-file management

The "video conference on accelerating the development of affordable rental housing and further improving the regulation of the real estate market" held in the State Council made it clear that we should firmly grasp the key of real estate finance and strictly manage the "third-line and fourth-file" financing of real estate enterprises and the concentration of real estate loans of financial institutions. Since the implementation, the concentration of real estate loans of banking financial institutions and personal housing loans has steadily decreased.

financial institutions should strictly control risks, implement real estate financing policies, review the flow of loan funds, and prevent funds from illegally flowing into the real estate market; At the same time, we should also increase support and services for the housing rental market, promote the development of housing rental finance in the direction of scale and specialization, and accelerate the formation of a long-term mechanism in the real estate market.