First, unify thinking, further strengthen management, and strive to improve the management level of real estate loans and the quality of loan assets. The competition of modern commercial banks is the competition of management level and operating efficiency, and the quality of loan assets reflects the result of this competition. Banks at all levels must establish the management consciousness of commercial banks, take effective measures, pay close attention to management and improve the management level of real estate loans.
Management level and operational efficiency, optimize the asset quality of real estate loans, and enhance our competitive strength in the field of real estate finance.
Two, the full implementation of loan risk management, effectively prevent loan risks. Banks at all levels should fully implement real estate loan risk management in accordance with the unified requirements of the head office on loan risk management. 1. According to the Measures for the Management of Loan Risk of the People's Construction Bank of China, on the basis of summing up the pilot experience, combined with the actual situation in the region and the characteristics of real estate loans, the measures for the implementation of real estate loan risk management are formulated.
Detailed rules, so that the work has rules to follow; The second is to carry out credit evaluation in combination with risk management to provide basic data for risk management; Third, it is necessary to define the risk of the stock of real estate loans, calculate the risk of each stock loan and the comprehensive risk of real estate loans at all levels, and formulate risk transformation measures and progress for the stock loans in a high-risk state, which will be summarized and analyzed in 7.
Report to the head office before the end of the month as the basis for approving the loan approval authority; Fourth, to manage the risk of new loans, we must first optimize the loan increment. In the future, no high-risk loans may be issued without the approval of the competent bank.
Third, eliminate non-performing loan assets and strive to revitalize the stock of funds. On the basis of comprehensively clearing the loan assets, we should distinguish different situations and take corresponding measures to revitalize the capital stock. Strive to reduce the proportion of existing overdue loans and control the formation of new overdue loans. This year, the loans overdue rate of all banks will decrease on the basis of last year, and the loans overdue rate of real estate will be controlled at 13 by the end of the year.
Within 0.2%. In order to increase the recovery of sluggish loans, legal measures should be taken to safeguard the rights and interests of banks when necessary. It is necessary to do a good job in the write-off of non-performing loans and write off qualified non-performing loans as soon as possible in accordance with regulations. Before the end of June this year, all banks with non-performing loans exceeding 25% should formulate transformation plans and report them to the head office before the end of July; The proportion of non-performing loans exceeds 30%
Ok, no new loans are allowed, and loans that really need to be issued must be reported to the head office for approval.
Four, pay close attention to the collection of loan interest, improve operational efficiency. The false collection of loan interest has seriously affected the economic benefits of banks and restricted their own accumulation and development. All banks should clear up the arrears of loan interest from house to house, formulate plans, determine key points, take measures, and actively organize the collection of non-performing loans. Borrowers who cannot repay interest will not get new loans. This year, all walks of life
The interest receivable rate of real estate loans should reach 85%.
Five, take effective measures to protect the loan assets. First, we should gradually reduce the proportion of credit loans. New real estate loans should be guaranteed, especially to increase the proportion of mortgage loans. For existing credit loans, efforts should also be made to complete the guarantee procedures; The second is to ensure the effectiveness of the guarantee. For secured loans, it is necessary to strengthen the review of the guarantor's guarantee ability and reputation.
, cancel the general guarantee and fully implement the joint and several liability guarantee method. For mortgage loans, mortgage registration should be handled in strict accordance with the regulations to ensure the legitimacy and effectiveness of mortgage behavior; Third, we should pay attention to the late management of loans. We should pay close attention to the loan use and operation of enterprises, take the initiative to intervene in the restructuring or bankruptcy of loan enterprises in advance, and take effective measures to ensure the safety of our loan assets.
Six, efforts to optimize the loan structure, a reasonable grasp of the loan investment. Real estate loans should be based on the principle of giving priority to benefits, focusing on supporting enterprises and projects with good economic benefits, great development potential, strong solvency and high credit rating. At present, the focus of real estate loans is the development and construction of national housing projects, "affordable housing" and various ordinary houses and their supporting facilities. It is forbidden to high-end hotels,
Loans are granted to high-end office buildings, high-consumption entertainment facilities, luxury villas and other real estate development projects restricted by the state. Vigorously develop individual housing loan business and gradually increase its proportion in total real estate loans. This year, all new loans and revitalized loans from banks should give priority to individual housing loans.
Seven, the implementation of loan quota approval system, the full implementation of real estate loan evaluation. Banks at all levels should examine and approve loans in strict accordance with the prescribed authority, and loans above the designated size must be reported to the competent bank for examination and approval, and loans shall not be split and examined and approved beyond their authority, otherwise the examination and approval authority of real estate loans will be reduced or even cancelled. All provincial branches shall, in accordance with the regulations, examine and approve the use of houses by local (city) and county-level banks this year.
Real estate loan approval limit, and reported to the head office for the record before the end of July. If it is not approved or reported to the head office for the record after approval, the real estate loan approval will not be approved in the next year; It is necessary to implement the system of separating the examination and loan, establish the responsibility system for loan evaluation, decision-making, issuance and recovery, establish the loan monitoring system, monitor the whole process of loan business, and make the change trend of credit asset quality.
Send out early warning signals, find problems in time and take preventive measures; To carry out real estate loan assessment in an all-round way, banks at all levels should conscientiously do all the preparatory work for real estate loan assessment, and assess the compliance level of real estate loans this year in accordance with the prescribed time and authority.
Eight, strengthen the basic work, establish and improve the loan management system. According to the requirements of China Construction Bank's Measures for the Administration of Real Estate Loans (Trial), China Construction Bank's Measures for the Assessment of Real Estate Loans (Trial) and China Construction Bank's Table of Real Estate Loans, the loan approval management system, loan assessment system and unified loan business situation are established in combination with local conditions.
Accounting system, loan work report system, loan business files and corresponding loan accounts. To realize the systematization and institutionalization of loan management.
Hope to adopt