Official website, the central bank said that on June 5438+065438+1October 2/kloc-0, the People's Bank of China and the China Banking Regulatory Commission jointly held a national symposium on credit work of commercial banks to study the implementation of policies and measures to deploy financial support to stabilize the economy.

The meeting pointed out that due to the city's policy, differentiated housing credit policies will be implemented to support rigid and improved housing demand. Keep real estate financing stable and orderly, stabilize real estate enterprise development loans and construction enterprise loans, support the reasonable demand of individual housing loans, and support the reasonable extension of stock financing such as development loans and trust loans on the premise of ensuring the security of creditor's rights.

Yan Yuejin, research director of the think tank center of Yiju Research Institute, said that there are several new highlights this time. Among them, the construction enterprise loan shows that we should pay more attention to the financial situation of the enterprise at present. The extension of trust stock loans is related to trust or some default events. As for the development guarantee content of recent matching financing, it shows that there may be various new policies ranging from 1 1 to 12, and banks are encouraged to accelerate the implementation of this kind of credit.

Promote the implementation of "Baojiaolou"

The meeting pointed out that national commercial banks should strengthen their responsibilities, play the role of "head geese" and take the initiative. It is necessary to make good use of policy-oriented development financial instruments, expand medium and long-term loans, accelerate the formation of more physical workload, and give full play to the key role of effective investment.

The meeting stressed that it is necessary to fully implement the long-term mechanism of real estate, implement differentiated housing credit policies due to urban policies, and support rigid and improved housing demand. Keep real estate financing stable and orderly, stabilize real estate enterprise development loans and construction enterprise loans, support the reasonable demand of individual housing loans, and support the reasonable extension of stock financing such as development loans and trust loans on the premise of ensuring the security of creditor's rights. Make good use of private enterprise bond financing support tools ("the second arrow") to support private housing enterprises to issue bonds for financing. We will improve the legal guarantee and regulatory policy support for the new supporting financing of special loans for Baojiao Building, accelerate the implementation of Baojiao Building, safeguard the legitimate rights and interests of housing consumers, and promote the stable and healthy development of the real estate market.

Zhou, a macro researcher in the financial market department of China Everbright Bank, said in an interview with the National Business Daily reporter WeChat: "From the content of this meeting, it mainly focuses on expanding domestic demand and stabilizing growth, actively promoting the implementation of the previous package of policies and measures to help stabilize growth and accelerate the release of policy dividends; At the same time, guide financial institutions to further increase their support for the real economy and consolidate the foundation for economic recovery. "

Increase credit support for key areas

Talking about the impact of this meeting on the financial market, Zhou said that at present, the domestic economy is in the stage of domestic demand recovery, the lack of effective demand is the main contradiction, and monetary policy support is still increasing moderately; At the same time, the domestic economy is facing a complex environment, and the credit policy needs to focus on accuracy, quality and efficiency. Specifically, we will continue to increase support for private small and micro enterprises in terms of quantity, area and price, continue to implement and increase assistance and support for enterprises in difficult industries, increase financing guarantees and supporting facilities for key infrastructure projects, and accelerate the implementation of infrastructure projects as soon as possible, forming a physical workload; At the same time, we will implement a policy mix to stabilize the property market and a long-term real estate mechanism to accelerate the return of the property market to a stable and healthy development track.

Yan Yuejin believes that the convening of the national symposium on credit work of commercial banks has made the idea of credit work from 1 1 to 12 clearer this year and the first half of next year:

First, credit supply should be viewed from a better position, that is, from the perspective of stabilizing the economic market, especially from the perspective of stimulating consumption and investment. This is the general direction and general tone that commercial banks and housing enterprises need to grasp, with a little emphasis on "adhering to two unshakable" mentioned in Finance 16. Second, this policy can also show some new market conditions, including the poor capital situation of construction enterprises, some new situations and new risks in trust business, and the supporting policies of supporting financiers are slightly blank. Therefore, this policy fills this kind of gap, plays a positive role in preventing and resolving risks and consolidating the effect of financial 16 policy tools, and further embodies the important role and position of credit support.