如何改革完善房地产融资制度

Core Viewpoint - The Ministry of Housing and Urban-Rural Development announced that the approval amount for the "white list" projects under the urban real estate financing coordination mechanism has exceeded 7 trillion yuan, ensuring the delivery of over 7.5 million sold but undelivered housing units, thereby protecting the legitimate rights and interests of homebuyers [1][2]. Group 1: Financing Mechanism - The urban real estate financing coordination mechanism aims to address the information asymmetry between real estate companies, projects, and financial institutions, which negatively impacts lending willingness [1][2]. - The mechanism requires local governments to coordinate and implement a "white list" system for real estate projects, allowing financial institutions to assess and support projects facing temporary difficulties without resorting to blind loan withdrawals [2][3]. Group 2: Systemic and Comprehensive Approach - The reform of the real estate financing system emphasizes a systemic and comprehensive approach, establishing a linkage mechanism among the four key elements: people, housing, land, and money [3]. - The Ministry has guided local governments to develop housing plans based on population changes, ensuring a balanced supply and demand in the real estate market [3].