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Notice of the People's Bank of China and the China Banking and Insurance Regulatory Commission on Providing Financial Support for the Stable and Healthy Development of the Real Estate Market

中国人民银行、中国银行保险监督管理委员会关于做好当前金融支持房地产市场平稳健康发展工作的通知

  • Notice of the People's Bank of China and the China Banking and Insurance Regulatory Commission on Providing Financial Support for the Stable and Healthy Development of the Real Estate Market

  • 中国人民银行、中国银行保险监督管理委员会关于做好当前金融支持房地产市场平稳健康发展工作的通知

  • (No. 254 [2022] of the People's Bank of China)
  • (银发〔2022〕254号)

  • To implement the decisions and plans of the CPC Central Committee and the State Council, uphold the principle that housing is for living in and not for speculation, fully implement the long-term mechanism for the smooth functioning of the real estate market, accommodate basic and improving housing demand through city-specific measures, ensure reasonable growth of real estate financing, and protect the legitimate rights and interests of housing consumers, the People's Bank of China (PBOC) and the China Banking and Insurance Regulatory Commission (CBIRC) hereby issue the following notice:
  • 为贯彻落实党中央、国务院决策部署,坚持房子是用来住的、不是用来炒的定位,全面落实房地产长效机制,因城施策支持刚性和改善性住房需求,保持房地产融资合理适度,维护住房消费者合法权益,促进房地产市场平稳健康发展,现将有关事项通知如下:
  • I. Ensure steady and orderly growth of real estate financing
  • 一、保持房地产融资平稳有序
  • 1. Stabilize lending to property developers. Financial institutions are encouraged to support sound development of well-governed and credible real estate firms focusing on property development business. All property developers, be it state-owned or private-owned, should be treated equally. Financial institutions should make a distinction between the risks faced by parent companies and their subsidiaries involved in specific housing projects. Reasonable financing needs of housing projects should be met based on market principles as long as such funds are operated in a close loop for the sole purpose of financing housing projects and creditors' rights are properly protected. Financing support could be provided by a main bank or a lending consortium. Financial institutions should strengthen the whole-process management of loan approval, disbursement and repayment, with an aim to ensure the safety of funds.
  •   (一)稳定房地产开发贷款投放。坚持“两个毫不动摇”,对国有、民营等各类房地产企业一视同仁。鼓励金融机构重点支持治理完善、聚焦主业、资质良好的房地产企业稳健发展。金融机构要合理区分项目子公司风险与集团控股公司风险,在保证债权安全、资金封闭运作的前提下,按照市场化原则满足房地产项目合理融资需求。支持项目主办行和银团贷款模式,强化贷款审批、发放、收回全流程管理,切实保障资金安全。
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