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Qingdao International Nonferrous Metals Trading Center, phone QQ: recruitment of members, agents, account opening, investment, high rebate Qingdao International Platform Information: In order to effectively implement the Shanghai real estate regulation requirements and the spirit of the People's Bank of China Shanghai Headquarters Housing Credit Work Conference, effectively bring into play the industry The important role of self-discipline in real estate financial regulation. The Shanghai market interest rate pricing self-regulatory mechanism issued the "Resolution on Effectively Implementing the Spirit of Shanghai Real Estate Regulation and Promoting the Orderly Operation of the Real Estate Financial Market", further requiring all commercial banks to strictly implement Shanghai's real estate regulation and control. policies to maintain the order of the real estate financial market.
The resolution requires all commercial banks to effectively strengthen self-discipline management, strengthen awareness of legal compliance, risk prevention and fair competition, continue to strictly implement Shanghai's nine real estate regulatory policies, fully implement Shanghai's six regulatory requirements, and consciously resist disrupting market order, Behavior that violates policy provisions.
The resolution emphasizes that we must continue to strengthen the review of the source of down payment funds, strengthen the review of the authenticity of the income certificates of borrowers and their spouses, prudently assess the debt repayment ability of the borrower's family, and strictly prohibit disguised evasion of regulatory policies and housing credit management Regulation. The resolution also requires all commercial banks to effectively prevent credit and other types of funds, especially financial management funds, from entering the land market in violation of regulations.
According to market participants, the Shanghai market interest rate pricing self-regulatory mechanism was established in the early stages of the reform of the Shanghai Free Trade Zone. It is a self-regulatory coordination mechanism for banking financial institutions in Shanghai under the supervision and guidance of the Shanghai Headquarters of the People's Bank of China. It has contributed to the smooth and orderly realization of The marketization of small foreign currency interest rates in the free trade zone has played a positive role.
Since the beginning of this year, in accordance with relevant national policies and the macro-prudential management requirements of the People's Bank of China, Shanghai's market interest rate pricing self-regulatory mechanism has continued to play an important role in Shanghai's real estate financial regulation
On the one hand, according to Shanghai's real estate regulation and control requirements , under the guidance of the Shanghai headquarters of the People's Bank of China, this month in accordance with the principle of city-specific policies, a differentiated housing credit policy adjustment plan was negotiated and the first in the country to introduce strict loan restriction policies.
On the other hand, through policy propaganda, communication linkage, continuous supplementation of implementation details, strengthening reporting and punishment and other working mechanisms, we will unify the specific implementation standards of differentiated housing credit policies, standardize the business cooperation between commercial banks and real estate intermediaries, and prevent down payment It has played a key role in over-the-counter financing and leveraged activities in the real estate market such as loans and maintaining the order of the housing financial market, effectively urging commercial banks to fully implement Shanghai's real estate financial control policies.
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