Regulators frequently ＂beat＂ bankers： real estate credit will be tightened in the second half of the year.

　　Recently, the regulation of the property market in hot cities has been tightened, and real estate financing has also been strongly regulated. A number of bankers said that in the second half of the year, they will strictly and prudently manage loans in the real estate sector and control development loans and mortgage loans in accordance with the requirements of the regulatory authorities. In the future, there is little room for further improvement in the proportion of real estate in financial resources. At the same time, the credit policy will be adjusted and optimized around the regulatory requirements, and the support for the real economy will be increased.

　　Some areas raised mortgage interest rates.

　　According to the monitoring data of Rong 360 Big Data Research Institute, from the end of July to the beginning of August, the mortgage interest rates in Suzhou, Hangzhou, Dalian and Ningbo all increased.

　　Li Wanbin, an analyst at Rong 360 Big Data Research Institute, said that the increase in mortgage interest rates was due to overheating of the property market in some cities, and local governments adjusted by raising mortgage interest rates. In addition, the bank’s credit funds in the second half of the year are often not as abundant as those in the first half of the year, and the mortgage amount is also relatively tight. Under this circumstance, the bank will also choose to raise the mortgage interest rate.

　　"It is expected that more regions will raise the mortgage interest rate, and the amount will be relatively tight, but it does not rule out that some banks in some regions will lower the mortgage interest rate from the bank’s own funds and business strategies." Li Wanbin said.

　　According to the statistics of the Central Plains Real Estate Research Center, at present, the mortgage interest rates in various places are basically stable, with few obvious fluctuations, and most banks are still lending normally. Judging from the major first-and second-tier cities in China, the current interest rate level fluctuates slightly compared with the second quarter, but most cities still maintain the lowest interest rate in the past two years.

　　Wang Yifeng, chief analyst of Everbright Securities Banking, said that housing mortgage loans have grown rapidly since this year. Under the background of stable housing prices, stable expectations and city-specific policies, real estate policies in various cities have maintained pressure, and mortgage interest rates have diverged to some extent. Judging from the current situation, the demand for housing mortgage loans is relatively stable.

　　Real estate credit policy will be tightened.

　　Recently, the central bank named real estate finance twice, emphasizing maintaining the continuity and stability of real estate financial policies and continuously strengthening the control of funds in the real estate market. A number of insiders told china securities journal that loans in the real estate sector will be managed strictly and prudently in the second half of the year according to the requirements of the regulatory authorities.

　　The president of Suzhou Branch of a big bank said that in the first half of the year, the bank’s investment in real estate accounted for less than 30% of the total investment, and development loans and mortgage loans will be more strictly controlled in the second half of the year.

　　According to the vice president of Wuhan Branch of a joint-stock bank, the real estate credit of the bank did not exceed 40% in the first half of the year. "Every year, our bank’s asset structure layout of the industry is orderly. In the second half of the year, the whole bank will implement total amount control and preferential selection to support rigid demand. In general, banks’ control over real estate credit will become more and more strict. "

　　"Our real estate loans are very few, and now under the requirements of policy regulation, we will not take the initiative to market." The president of a stock bank in Changzhou, Jiangsu Province said that the mortgage interest rates of the first and second suites of the bank are 10% and 15% higher than the benchmark interest rate respectively, and the mortgage interest rates will be adjusted according to market conditions in due course.

　　"From a policy perspective, it is expected that the proportion of real estate in financial resources will be carefully regulated in the future, and there is little room for further improvement in the proportion of real estate in financial resources." Lian Ping, chief economist of Bank of Communications, believes that at present, under the requirement of "housing and not speculating", most first-and second-tier cities have strict control over the property market, and it is impossible to speculate on real estate on a large scale. In the future, real estate credit should do its homework from the structure and match the reasonable demand in line with reality.

　　For example, Lian Ping said that from the perspective of mortgage, under the current strict control policies, the market demand in many places is still rigid and benign, and banks should support it. In terms of development loans, banks and non-bank channels should also give support if there is benign and reasonable demand in the market.

　　The credit direction will be adjusted in the second half of the year.

　　A number of banking industry insiders said that the credit policy will be adjusted around the regulatory requirements in the second half of the year. The vice president of Wuhan Branch of the above-mentioned joint-stock bank said that the bank invested heavily in private enterprises and inclusive finance in the first half of the year, and will increase credit support for manufacturing industry in the second half of the year according to regulatory requirements.

　　Wang Yifeng said that significant growth in manufacturing and medium and long-term loans required further policy arrangements. With the gradual consumption of pre-reserve projects, loans to the public have been weak. In the future, how to promote the rapid growth of manufacturing loans needs further policy guidance. In addition, how to effectively activate the vitality of micro-subjects, especially the effective demand of funds, also needs more effective policy support.

　　It is worth noting that the regulatory authorities have made arrangements to increase support for the manufacturing industry. Yang Liping, chief prosecutor of China Banking and Insurance Regulatory Commission, said earlier that China Banking and Insurance Regulatory Commission asked banks to set annual service targets for manufacturing industry, mainly to tackle key core technologies in the field of sticking neck, and to support key areas such as strategic emerging industries and transformation and upgrading of manufacturing industry, so as to realize that the balance of manufacturing loans was significantly higher than that of last year. At the same time, improve the professional ability of service manufacturing industry, supervise large banks to optimize the term of loans, match the production and research cycle of manufacturing enterprises, and increase the medium and long-term loans. Those who can make credit loans will insist on reviewing the first repayment source and make credit loans.