Close attention to the risk of real estate loans
 
The real estate industry loans is just one word: prevention (risk). Guangdong a City firm to middle managers who said the interview, the backdrop of international and domestic economic downturn, the real estate industry downside risks more serious. "I recently visited several developers, villa sell a lot of pressure."
 
Newspaper recently learned that Han Yi, director of the Zhejiang Banking Bureau in the 2012 second Zhejiang banking regulatory situation briefing requirements, the second half of this year, Zhejiang banking industry to continue to strengthen the credit risk monitoring and prevention and control of the real estate field, we should focus on real estate business capital chain risk door-to-door investigation, pay close attention to the entrusted loans, trust loans into real estate funds in safety. He stressed: "We judgment and risk prevention and control of the overall situation of the real estate can not interfere with short-term market fluctuations."
 
The City firm who introduced the banking sector to the rigid demands of the development loan projects and protection of housing construction were more supportive of other loans be treated with caution. "OK for real estate loans increased year-on-year growth rate is slowing down, while a very small amount of new loans, and only do the project, that is located in the core area, and the rigid demands of the real estate projects. suburbs, units and villas a loan not to the end of last year, Bank development loan balance accounted for about 3% in the first half of this year, we maintain this ratio. "
 
But otherwise the bankers told this newspaper that a high proportion of real estate loans, some banks to take a more compressed measures. Such as development loans accounted for a small bank in Guangdong late last year and even up to 30%, but tried every way compression ratio, such as package of credit assets transferred out of trust products, and is no longer new loans due for repayment this year.
 
Recently reported that Bank of China and Shanghai Pudong Development Bank report shows that the loan balance of the two lines of the real estate industry accounted for to go the end of the year has declined in the first half of this year. Bank of China also said: strengthen key areas of credit risk management and control, the implementation of growth and total control, the list system of management, received the approval authority, the lenders approved initiatives such close attention to the risk of real estate, government financing platform and other key areas. "



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