I. Relevant departments shall supervise the prudent credit granting of overweight banks. In the short term, because the policy tone has not changed, it is unlikely that the overall interest rate of bank loans will increase. In the medium and long term, according to the degree of economic recovery, combined with the changes in the loan market quotation (LPR), the operating loan interest rate may be adjusted in stages. Li Naichao, president of Beijing Real Estate Chamber of Commerce, said that in the long run, the operating loan interest rate will fluctuate within a certain range. ? The loan interest rate should consider factors such as LPR and customer risk tolerance. If it goes up, it will go up, and if it goes down, it will go down. ? The Beijing Banking Insurance Regulatory Bureau recently asked banks to conduct a comprehensive self-examination on the compliance of new personal consumption loans and personal business loans issued since the second half of 2020, immediately rectify the problems found and strengthen internal accountability. At present, the supervision of personal credit funds flowing into the property market is overweight, and banks need to strengthen the management of borrowers of consumer loans and commercial loans and the flow of funds after loans. Banks should carefully examine and approve credit lines and effectively identify them? Packaging? Behavior, strengthen the management of entrusted payment, track the use of funds after the loan in time, and recover the funds immediately once the illegal operation is found. It is these illegal operations that make banks have to raise the interest rate of operating loans.
Second, in order to avoid real estate speculation. First of all, it is certain that the phenomenon of real estate speculation cannot be directly eliminated, especially by raising the mortgage interest rate. However, this will increase their costs. These real estate speculators naturally need loans to buy some houses through a lot of money. Under normal circumstances, they are paid in accordance with the minimum proportion. Therefore, it is often necessary to pay higher interest to banks, so under such circumstances, banks can naturally get more funds from it. For these real estate speculators, capital itself is used to generate value. If they want to pay more interest to the bank, they are definitely unwilling, so they can restrain such real estate speculation to a certain extent.
Third, stabilize the current financial market. The role of banks is mainly to stabilize the financial market, rather than simply issuing loans. Although many people say that it will cost a lot of money to buy a house if the loan interest rate is raised. Under such circumstances, we inadvertently raised the threshold for ordinary people to buy a house. But we also need to know that if we don't do this, the financial situation of the real estate market will not be stable, which will lead to a series of problems. It is precisely because of these factors that Beijing has to raise the interest rate of operating loans.