Recently, the People's Bank of China held the 24th symposium on the optimization of the bank's credit loan structure. Judging from the whole content, the purpose of the meeting is to deploy and promote the next stage of optimizing the credit structure, including the real estate market.
one is to grasp one? Steady? Word. In total? Keep the word steady? , keep the loan growing steadily, reasonably and moderately, and grasp the rhythm. Maintain the continuity and stability of credit support policies for small and micro enterprises, strengthen the capacity building of financial services for small and medium-sized enterprises, and realize the continuation of inclusive small and micro loans? Increase in volume, decrease in price and expansion in area? . Promote the financial system to continue to make reasonable profits to the real economy, and the comprehensive financing cost of small and micro enterprises has steadily declined. Insist? Is the house for living, not for speculation? Positioning, maintaining the continuity, consistency and stability of real estate financial policies, implementing the prudent management system of real estate finance, and increasing financial support for housing leasing.
from the whole interview process, the real estate mainly puts the optimization of credit structure as the primary position, which shows that credit is widely used in the real estate market.
This interview also puts forward a lot of requirements for the whole real estate policy. For some first-tier cities, car loans have been forced in advance, and many improper loans have been managed.
Many people take loans from banks, and then they can't keep these credit funds in the property market. This is nothing new at present, so for the whole real estate, these people get profits from the real estate through loans, which is what we call real estate speculation. We all know that loans, if they are business, can only be used for quality consumer loans, then they can only be used for consumption, if you use these loan funds to buy a house and the spirit of contract.
We all know that the real estate in China, especially the housing price, is extremely high. For some first-tier cities, however, the housing price in Beijing and Shanghai has reached over 1, yuan, and if you are a third-and fourth-tier city, you can even buy a suite. China's initial housing price is relatively low, but as these people benefit from it, can they start real estate speculation, and a lot of this money is borrowed from banks. The China municipal government is also trying to prevent housing prices from rising again. Many young people can't buy houses, so they have also introduced many policies to manage them.
to manage the price of real estate, this is basically that many people have been taking out loans since childhood, so the purpose here is to make the real estate price rise rapidly again. The purpose of this interview is to prevent loans, and once again, the property market requires that banks also study the management, and all of them should make corresponding assessments for some people who often lend.