Indeed, as after building city adjusting control obtained certain result 2018, each district adjusting control also had measurable comfortable environment, but should knowing to hold to a house is with what come is not to use this fried fixed position to did not shake, that is to say adjusting control did not produce fundamental change, say adjusting control is loosened in the round also do not believe. So estate credit policy also won't have the sign that unlocks apparently, violate to credit fund when a lot of places so compasses when the phenomenon that flows into estate is flush, without giving thought to,do not have sit by and watch.
Chinese fund newspaper says, just entered 2 quarters, because disobey what credit policy suffers punishment to punish sheet to announce,have much home bank again. Among them, credit fund is violated compasses flowing into capital market and estate market still is superintendency key. Silver of near future Qingdao protects two pieces when inspect bureau announces to punish sheet, cause market key attention, restful bank and mail store bank " in gun " .
Not come singly but in pairs, before this, already much home bank is punished. Before a many month, website of the silver-colored meeting that keep watch announced fund of a batch of credit to violate compasses the bank that flows into estate market punishs sheet, these banks include bank of commercial firm of state-owned travel, share travel, city, bourg, the amount that be punished differs to 350 thousand yuan from 200 thousand yuan. Be in early actually in August 2018 portion, the market chaos that violates credit policy and real-estate trade policy is resembled, had been the key that silver keeps inspect to be able to wait for relevant section punish, still be to be banned repeatedly however more than. And business of individual housing loan increases loan newly in the bank compare in business very tall, taller and taller, somebody is joking say these banks are flat call estate bank to get.
Enter 2019, because key of a lot of banks became low head pay proportion, also reduce a room to lend interest rate, settle policy also is unlocked gradually, more a few cities are opposite in estate adjusting control 5 was restricted to have untie a person, this a series of policy fine tuning, also accompanying argument of all sorts of building city get warm again after a cold spell to be passed ceaselessly. Then, superintend forbidden " credit fund is violated compasses flow into estate market " perform in a few banks again.
Before this, silver protects inspect to ever also can be mentioned, want to perfect the estate credit policy that the difference changes further, forbidden " head pay borrow " borrow capital to violate with consumption compasses flow into estate market to wait. This means policy of prospective building city to will insist to fall lever, defend the policy of financial venture. Economy consults masthead edition comments on an article to say, should see, space of prosperity of reason of blame of city of our country building is already special and narrow; In the meantime, house price rose too quickly to also overdraw apparently building city increases latent capacity; Estate banking policy wants cogent play to conduct residential reason construction and the action that reason consumes, with better solve masses housing problem to be a target, support ensures sexual housing construction, forbidden capital is violated compasses flow into estate market, forbidden head pay borrow, forbidden add lever channel to do not have the individual that adds lever condition and space to offer, be on guard actively estate market and estate banking venture.
Before before long, the silver-colored meeting that keep watch publishs public discourse again, be on guard at present the progress that dissolves battle of financial venture assault fortified positions is level sex only, a lot of risk hidden danger had been not eliminated completely, of early days dissolve financial venture measure and achievement to also need to undertake consolidating. "Continue to stare at estate banking venture closely especially, want to develop loan, individual to mortgage loan to continue to implement careful loan standard to estate, want to control the development that accompanies speculation and individual loan strictly especially, should prevent estate banking venture to appear big question. Should prevent estate banking venture to appear big question..
Almost at the same time, central Bank conference also points out development of finance of our country economy enters new level, be on guard dissolve the significant risk task such as financial venture arduous, a lot of contradiction and issue are outstanding still. Strengthen estate banking prudent management, fulfil estate market to make the same score steady healthy progress to grow effect mechanism.
The room signs up for a comment to say in, one those who go a little while make known one's position, outward group gave an important information fully: Finance is superintended still will last, especially the finance of real-estate industry is superintended. In the meantime, also emphasizing finance wanting to direct with serving hypostatic economy to be, drive health of money market standard actively to develop. Actually, the backside of concentrated propaganda to the enemy at the front line, it is bank financing is violated compasses enter estate field and was not superintended and disappear.
In light of the signal that releases from the government, we did not change to the fixed position of financial policy, general orientation did not change, superintend to the flow direction of credit fund so very strict also, not be to say not to allow to flow into estate, however to a few violate compasses flow into phenomenal severity to hit. This is problem of a risk actually be on guard. If what capital flows into estate, it be just like what person is OK to be just like what person loan buys a house, that risk is quite big.
Say objectively, it is insufficient that sheet relies on to punish. To violating compasses flow into a phenomenon to want to block up not only, even scanty. Undeniable, current people is very old still to buying the demand of chummage room, no matter be,invest, and the lead that will form for years consumes a phenomenon, bring about a lot of people to would rather take a risk to also want to use necessarily add lever tool. And also be such to the bank, real-estate loan risk low, profit is high, the bank is willing to borrow money to estate from the heart, this is not fathomless why someone calls estate the bank.
So old after all come, estate regards pillar as the industry, affecting countless trades, flourish of one flourish all, but another side-effect is the adsorptive effect with too big estate, great the development that affected hypostatic economy. Should effect a radical cure credit fund is violated compasses the random elephant that flows into estate market, should fulfil strictly " the house lives to be not fried " fixed position, make investment congenial fry a room profitless, creation takes off empty to real policy environment, from go up at all prevent control good banking venture. Let the place, individual, bank, person that fry a room do not want to depend on estate too much from the heart, this ability is true outlet.
