Five big banks responded

On the 14th, in response to the recent "suspension incidents" circulating, Agricultural Bank, Construction Bank, Industrial Bank, Bank of Communications, and Postal Savings Bank responded to response.

Agricultural Bank of China: involved "insurance diplomatic relations"

The business scale of risks is small

Agricultural Bank issued an announcement saying that in response to the recent risk exposure of individual real estate enterprises and the extension of housing development projects, Agricultural Bank attached great importance to it and moved rapidly. Investigation.

Picture source: Agricultural Bank of China Announcement

As of the end of June 2022, the balance of personal housing loans of the Agricultural Bank of China was 5.34 trillion yuan. Among them, there are 57,000 cooperative real estate in one -handed building, and the balance of mortgage loans of first -hand buildings is 3.97 trillion yuan. Real estate, which has preliminarily determined that the risk of "guarantee of the property" involves the balance of overdue mortgage loans, accounting for 0.012%of the entire mortgage loan balance, and 0.017%of the balance of one -handed mortgage loan.

The Agricultural Bank said that the current business scale involving the risk of "guarantee to the property" is small and the overall risk is controllable. In the next step, the Agricultural Bank will always adhere to the positioning of "the house is used for living, not used to speculate", strictly implement financial supervision requirements, and actively cooperate with local governments to do a good job of "keeping diplomatic relations, protecting people's livelihood, and stable" financial services. Maintain the steady and healthy development of the real estate market, and maintain the legitimate rights and interests of consumers in housing.

Construction Bank: Small scale involved

Actively cooperate with local governments

Do a good job of customer service

The Construction Bank issued an announcement saying that the current suspension of construction and the failure to deliver the real estate on time involved the small scale and the overall risk of the Bank. Construction Bank will pay close attention to the situation of cooperative enterprises and real estate, actively cooperate with local governments to do a good job of customer service, communicate with customers, and promote the steady and healthy development of the real estate market.

Image source: Construction Bank Announcement

Industrial Bank: Involved in the "suspension of loan incidents" real estate

Related mortgage loans balance of 1.6 billion yuan

The "Announcement on the Investigation of Loans for Loans for Real Estate" issued by the Industrial Bank's "Discontinuation of Loans" shows that, after investigation, as of now The amount of mortgage that had stopped repayment was 384 million yuan, mainly concentrated in Henan.

Image source: Industrial Bank Announcement

According to the Industrial Bank announcement, thanks to the company's differentiated access and management requirements for mortgage loans in the early stage, the overall scale of mortgage loans that have been involved in the company's intervention and risk risks will not have a significant impact on the company's operations.

Bank of Communications: overdue housing involved

Mortgage loan balance of 099.8 billion yuan

The Bank of Communications issued an announcement saying that the company strictly implements the national credit policies, adheres to the positioning of "housing does not stir -fry", and actively supports residents' reasonable demand for self -residential home purchase. Since the beginning of this year, the company's mortgage loans have operated well. As of the end of June, the balance of mortgage loans in domestic houses was nearly 1.5 trillion yuan, and the quality of assets was stable.

Recently, the risks of individual real estate companies have been exposed, which has led to suspension and delay in projects in some cities. After preliminary investigations, the balance of overdue housing mortgage loans involved in the risk in media reports was 99.8 million yuan, accounting for 0.0067%of the company's domestic housing mortgage loan balance, the scale and accounted for relatively small, and the risks were controllable. In the next step, the company will pay close attention to the status of cooperative enterprises and real estate, strictly implement the requirements of regulatory agencies, and actively cooperate with local governments to do a good job in financial services "guaranteeing diplomatic relations, protecting people's livelihood, and maintaining stability", maintaining the stable and healthy development of the real estate market, maintaining consumers Legal rights and interests.

Postal Savings Bank: Small scale and proportion

Provide support for extended repayment and credit reporting

The Postal Savings Bank issued an announcement saying that the Bank pays close attention to the suspension of the construction and the failure to deliver the real estate on time in some areas, and conduct in -depth investigations. The preliminary determined suspension project involves the overdue amount of housing loans. Controlled.

The postal savings bank said that the next step, the Bank will resolutely implement the decision -making and deployment of the Party Central Committee and the State Council, adhere to the positioning of "housing and not frying", strictly implement financial supervision requirements, and actively do customer service. For customers affected by the epidemic, provide support for postponed repayment and credit reporting to rescue customers.

Source: China News

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