Sou Hu Cai Jing·2025-10-20 20:58Core Viewpoint - The article discusses a new financial innovation in Chengdu's Jianyang district, where Postal Savings Bank has introduced a special loan product to support the acquisition of unsold residential properties, aiming to stabilize the real estate market and facilitate asset liquidation [1][3]. Group 1: Financial Innovation and Market Stabilization - The acquisition of 374 housing units in the "Yingbin No.1 Xiangjingting" project is supported by a special loan aimed at revitalizing the real estate market during a period of deep adjustment [1][3]. - The loan product is designed to assist local state-owned enterprises in purchasing unsold residential properties, providing quick financial relief to developers and accelerating asset liquidation through government support [3][6]. - The loan structure includes a "post-loan mortgage + phased transfer restrictions" model, which meets risk control requirements while addressing practical needs of the project [3][6]. Group 2: Project and Market Context - The project is located in a core development area of Jianyang, with comprehensive educational, medical, and commercial facilities, enhancing its market appeal [2][3]. - The remaining 374 units were initially priced for specific relocation groups, leading to a prolonged sales cycle exceeding 24 months, which has impacted the cash flow of the developer, Chengdu Chengfang Urban Renewal Development Group [2][3]. - The successful implementation of this loan product in Jianyang is seen as a model for other regions, with similar initiatives being explored in places like Fujian, Shaanxi, and Hebei [5][6]. Group 3: Broader Implications and Future Outlook - The loan not only facilitates a single property transaction but also creates a win-win "credit acquisition - asset quality improvement -招商去化" cycle, alleviating financial pressure on enterprises and stabilizing housing asset values [3][6]. - The Postal Savings Bank's efforts in Jianyang reflect a broader commitment to supporting local economic development and enhancing financial services for various sectors, including agriculture and manufacturing [7][8]. - Future plans include introducing more innovative financial products to further support the development of Jianyang as a key city in the Chengdu-Chongqing economic circle [8].