■Huixuan

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The real estate industry has a long chain, a wide range of aspects, and many related parties. It has an important impact on the national economy and is closely related to people's lives and the development of the financial industry. The urban real estate financing coordination mechanism is an important measure to promote a virtuous cycle of finance and real estate. As a local mainstream bank, Huishang Bank has always practiced the political and people-oriented nature of financial work, actively strengthened coordination and cooperation with local governments and regulatory authorities, and promoted the implementation of the real estate financing coordination mechanism to accurately support the reasonable financing needs of real estate projects.

As of the end of February, Huishang Bank's real estate loan balance exceeded 180 billion yuan, including 123.3 billion yuan for personal housing mortgage loans, 28 billion yuan for real estate development loans, and 17.4 billion yuan for affordable housing projects, continuing to ensure the stable and healthy development of the real estate market in Anhui Province and the steady operation of high-quality real estate enterprises.

Rapid response mechanism

01

After the establishment of the urban real estate financing coordination mechanism, Huishang Bank quickly responded to policy calls, studied related matters, and established a working mechanism. At the head office level, a leading group and a special work team for the implementation of the financing coordination mechanism were established, headed by the president of the head office, and six key measures such as optimizing internal approval procedures were proposed, and five work requirements such as establishing a due diligence exemption mechanism were arranged to unify the thinking and deployment of the whole bank. Specific implementation. All branches in the province follow the establishment of special work teams by the head office to follow up on local white-listed projects. In accordance with the principles of "announcing one batch, docking one batch" and "mature batch, applying one batch", they actively promote project docking and promote qualified projects to be implemented as soon as possible. So far, the bank has docked the first batch of 36 whitelisted projects across the province, including 16 projects as host banks.

Multi-pronged approach to improve efficiency

02

Huishang Bank combines its own characteristics to improve its working methods and adopts a multi-pronged approach to improve project docking efficiency. On the basis of simplifying the project application process and shortening the decision-making chain, we will organize parallel operations in batches in front, middle and back offices as soon as possible to speed up the approval speed; establish green channels, clarify time nodes, and shorten the approval process; for projects that have been approved in the early stage, verify the project progress as soon as possible, accelerate loan review, and meet the project funding needs as soon as possible. So far, a total of 5.348 billion yuan in credit has been approved for 19 white-listed projects. After the establishment of the financing coordination mechanism, loans of 651 million yuan have been issued to 13 projects in 8 cities according to the project progress.

Solve needs equally

03

Huishang Bank actively implements the spirit of "meeting the reasonable financing needs of real estate enterprises with different owners-based ownership equally", unifies standards and coordinates the promotion of all docking projects, and ensures that reasonable financing needs should be met. Before the Spring Festival, the branch branches of Huishang Bank efficiently worked together and adopted a green approval channel. It completed the entire process of application, evaluation and approval of a 1.8 billion yuan loan from a private enterprise real estate project in Hefei City in just three working days, becoming the bank's first whitelisted project loan approved after the establishment of the financing coordination mechanism. Regarding a private real estate project on a white list in Lu 'an City, the bank actively tracked the progress of the project construction. On the basis of investing 80 million yuan in January, it continued to invest an additional 13 million yuan in the project in early February, which strongly supported the project construction.

Actively connect and promote exchanges

04

In order to strengthen communication and docking among all parties in the financing coordination mechanism, on March 14, Huishang Bank held the 2024 Real Estate Enterprise Symposium in Hefei. Relevant experts from the Housing and Construction Department of Anhui Province, the Anhui Supervision Bureau of the State Financial Supervision and Administration, and representatives of 14 real estate companies in the province were invited to attend the meeting. Among the participating companies were large-scale state-owned real estate enterprises with projects covering many cities and cities in the province, as well as private small and medium-sized real estate enterprises that are deeply involved in the local market. All parties attending the meeting discussed new measures to implement the urban real estate financing coordination mechanism, and put forward valuable suggestions on improving the quality and efficiency of financial services for real estate companies and promoting the stable and healthy development of the real estate industry.

In the next step, Huishang Bank will continue to implement the decisions and arrangements of the Party Central Committee and the State Council, always adhere to the market positioning of "serving the local economy, serving small and medium-sized enterprises, and serving the general public", and under the guidance of the regulatory authorities, proactively align and continue to promote the implementation of real estate financing. All work of the coordination mechanism will meet the reasonable financing needs of real estate companies of different owneries equally, and fulfill its mission of serving the local economy. Contribute to the stable and healthy development of the real estate market in Anhui Province.