國家金融與發展實驗室近日發布的季報指出，市場主體和監管層應當穩妥處理“集體停貸”事件，有力推進“保交樓”工作。多個政府部門和銀行均發聲表示將采取措施穩定房地產業，保障預售房交付。

Market entities and regulators should handle homebuyers' threats to halt mortgage payments on unfinished projects in a steady manner and strongly push forward the work of ensuring timely deliveries of presold homes, said a quarterly report recently issued by the National Institution for Finance & Development.

國家金融與發展實驗室近日發布的季報指出，市場主體和監管層應當穩妥處理“集體停貸”事件，有力推進“保交樓”工作。

In the first half, the central government kept sending positive signals that China is fine-tuning housing regulatory policies to stabilize market expectations and mitigate default risks faced by Chinese property developers. It required local governments to give a vigorous boost to the efforts to ensure timely deliveries of presold homes and safeguard people's livelihoods, the report said.

上半年，中央政府不斷發出積極信號，表示中國正在微調住房監管政策，以穩定市場預期，緩解中國房地產開發商面臨的違約風險。報告稱，這要求地方政府大力推動確保及時交付預售住房和保障人民生計的努力。

Thanks to the impact of a positive housing policy environment, the real estate finance situation improved marginally in China in the first half. The average mortgage interest rate nationwide for first-time homebuyers kept falling during the period. The figure was around 4.4 percent at the end of the first half, 5 basis points lower than the then over-five-year loan prime rate, a market-based benchmark lending rate, the report said.

由于積極的住房政策環境的影響，上半年中國的房地產金融狀況略有改善。在此期間，全國首次購房者的平均按揭利率持續下降。報告稱，上半年末，這一數字約為4.4%，比當時的五年期以上貸款最優惠利率（一種基于市場的基準貸款利率）低5個基點。

Earlier this month, an official of the China Banking and Insurance Regulatory Commission said under the orderly management of local governments who are tasked with seeing that responsibilities are fulfilled by all stakeholders, the CBIRC will guide banks to take an active part in finding real estate funding solutions, grant credit to qualified home developers, and take various measures to promote actions ensuring timely deliveries of presold homes.

本月早些時候，中國銀行業和保險監督管理委員會（CBIRC）的一位官員表示，在地方政府的有序管理下，CBIRC將引導銀行積極參與尋找房地產融資解決方案，向合格的房地產開發商提供信貸，并在其監管下確保所有利益相關者履行責任，并采取各種措施促進確保及時交付預售住房的行動。

The official said that in the next stage, the CBIRC will effectively satisfy reasonable financing needs of real estate companies, give substantial support to the construction of rental homes, support mergers, acquisitions and the restructuring of housing projects, and better meet the rigid and upgraded demand for housing with a focus on new urbanites and young people living in cities and towns.

這位官員表示，在下一階段，CBIRC將有效滿足房地產公司的合理融資需求，大力支持租房建設，支持兼并、收購和住房項目重組，更好地滿足剛性和升級的住房需求，重點關注新城鎮居民和城鎮年輕人。

The regulator defined new urbanites as people who live in a city permanently but have not yet obtained a local hukou, or those who obtained a local hukou within the past three years.

監管機構將新城市居民定義為永久居住在城市但尚未獲得當地戶口的人，或在過去三年內獲得當地戶口的人。

Yao Hong, vice-president of the Postal Savings Bank of China, said the large State-owned commercial lender will grasp the opportunities brought by China's strategies to promote rural revitalization, a new type of urbanization and regional development, as well as step up support for new urbanites' borrowing needs for home purchases.

中國郵政儲蓄銀行副行長姚宏表示，這家大型國有商業銀行將抓住中國促進農村振興、新型城市化和區域發展戰略帶來的機遇，并加大對新城市居民購房貸款需求的支持力度。

PSBC will continuously maintain close communication with relevant government departments and real estate developers to promote the resumption of work and production of stalled housing projects. In addition, the bank will continue to allow customers with COVID-19-related repayment difficulties to defer repayments on mortgage loan principal and interest, Yao said at a news conference announcing the bank's 2022 interim results on Tuesday.

PSBC將繼續與相關政府部門和房地產開發商保持密切溝通，以促進停建房屋項目的復工和生產。此外，姚宏在周二宣布2022年中期業績的新聞發布會上表示，該行將繼續允許有疫情相關還款困難的客戶推遲償還抵押貸款本金和利息。

The overall risk of PSBC's mortgage loans remains controllable, she said. Last month, the bank announced that the balance of its mortgage loans exceeded 2 trillion yuan ($291.69 billion), of which the balance of overdue loans related to stalled housing projects was only a tiny proportion at 127 million yuan.

她說，PSBC抵押貸款的總體風險仍然可控。上個月，該行宣布其抵押貸款余額超過2萬億元，其中與停滯的住房項目有關的逾期貸款余額僅占1.27億元的極小比例。

Ping An Bank, a national joint-stock commercial lender based in Shenzhen, Guangdong province, said recently it will focus on supporting the development and operations of government-subsidized housing and rental housing as well as M&As of real estate projects that are in line with China's housing policy orientation.

總部位于廣東省深圳的全國性股份制商業銀行平安銀行最近表示，將重點支持政府補貼住房和出租住房的開發和運營，以及符合中國住房政策方向的房地產項目的并購。

The bank will actively participate in the underwriting of and investment in bonds issued to finance real estate company M&A deals. At the same time, it will continuously strengthen risk management of corporate real estate loans to realize all-around monitoring of customer operations, project schedules, asset status and the flow of money, said Ping An Bank's 2022 interim results report.

平安銀行將積極參與為房地產公司并購交易融資而發行的債券的承銷和投資。同時，平安銀行2022年中期業績報告稱，該行將不斷加強企業房地產貸款的風險管理，以實現對客戶運營、項目進度、資產狀況和資金流動的全方位監控。

China Merchants Bank, another national joint-stock commercial lender, also said it will strengthen the forward-looking forecast of the real estate risk situation and continue to adjust the structure of real estate customers, regions, businesses and products while focusing on key cities and strategic customers.

另一家全國性股份制商業銀行招商銀行也表示，將加強對房地產風險狀況的前瞻性預測，并繼續調整房地產客戶、地區、業務和產品結構，同時重點關注重點城市和戰略客戶。

英文來源：中國日報

編輯：丹妮