Core Viewpoint - The report emphasizes the importance of improving the financing system for real estate development to support high-quality growth in the sector, with a focus on the urban real estate financing coordination mechanism and the "white list" project loan approval system [1][2][3] Group 1: Financing System Improvement - The improvement of the real estate financing system is a crucial task in constructing a new model for real estate development and promoting high-quality growth [1] - The "white list" project loan approval amount has exceeded 7 trillion yuan, effectively supporting the construction and delivery of commercial housing projects [1] - The guidance for commercial banks to provide an additional 2.2 trillion yuan in loans through the "white list" mechanism has been highlighted as a significant achievement in financial work since November 2024 [1] Group 2: New Financing Model - The new financing system under the real estate development model includes a lead bank system, ensuring that funds for project development, construction, and sales are managed by a designated bank or syndicate [2] - The focus for the 15th Five-Year Plan period will be on establishing a clear responsibility and risk isolation framework within the real estate financial and operational order [2] - Effective measures such as the urban real estate financing coordination mechanism and the project "white list" system will be promoted to provide stable and predictable financing channels for compliant projects [2] Group 3: Policy Direction - The implementation of project development company systems and urban real estate financing coordination mechanisms will remain key policy directions during the 15th Five-Year period [3] - Efforts to regulate fund supervision and improve the financing environment for enterprises are expected to be further implemented, ensuring project construction and delivery while protecting the legal rights of homebuyers [3]

改革完善房地产融资制度，还要强化系统性、全局性思维，建立"人、房、地、钱"要素联动机制，与房 地产融资制度形成有效配合。房地产工作涉及多要素、多主体、多部门，综合性、系统性、复杂性很 强，房地产市场能否平稳健康发展，根本上取决于"人、房、地、钱"四类要素资源的配置效果。此前， 住房城乡建设部已指导全国各地以编制、实施住房发展规划和年度计划为抓手，根据人口变化确定住房 需求，科学安排土地供应、引导配置金融资源，即"以人定房、以房定地、以房定钱"，促进房地产市场 供需平衡、结构合理。去年和今年，全国各地已经编制实施了住房发展年度计划，目前正在积极谋划、 科学研判，编制"十五五"住房发展规划，进一步发挥政策的综合效能。 （文章来源：经济日报） 破解上述问题，城市房地产融资协调机制可以提供有益经验。2024年1月，住房城乡建设部、国家金融 监督管理总局联合出台《关于建立城市房地产融资协调机制的通知》，要求各地级及以上城市，建立房 地产融资协调机制，以城市为单元，实施项目"白名单"制度。具体来看，城市政府牵头协调，按照公正 公平原则，向该城市行政区域内的金融机构推送房地产项目"白名单"；金融机构则按照市场化、法治化 原 ...

城市房地产融资协调机制(以下简称"协调机制")是支持房地产项目建设和交付的重点举措。上海易居房 地产研究院副院长严跃进对《证券日报》记者表示，协调机制引导资金精准支持"保交房"，为房地产项 目注入流动性，使得楼盘能够加快完工交付。为保护购房者合法权益、实现"住有所居"提供了助力。 融资新模式落地见效 2024年1月份，住房和城乡建设部(以下简称"住建部")、金融监管总局发布《关于建立城市房地产融资 协调机制的通知》，指导各地级及以上城市建立协调机制。 2024年10月份，住建部、金融监管总局联合举行全国保交房工作推进视频会议，提出进一步推动协调机 制"扩围增效"，扩大"白名单"覆盖范围，确保合规房地产项目"应进尽进"。 广东省住房政策研究中心首席研究员李宇嘉对《证券日报》记者表示，协调机制建立了以房地产项目而 非企业为核心、资金封闭运转的融资新模式，专注于项目本身创造和平衡现金流的能力。既满足了项目 的合理融资需求，也保障了金融机构的风险防控需求。 协调机制为防范化解房地产风险、推进保交房工作提供了有力支撑。住建部数据显示，截至2024年底， 全国"白名单"项目贷款审批通过金额超过5万亿元，保交房攻坚战实现住 ...

今年以来，协调机制持续推进，"白名单"项目贷款规模稳步增长。 本报记者 张芗逸 9月22日，在国务院新闻办公室（以下简称"国新办"）举行的"高质量完成'十四五'规划"系列主题新闻发 布会上，国家金融监督管理总局局长李云泽介绍，国家金融监督管理总局（以下简称"金融监管总局"） 牵头建立城市房地产融资协调机制，"白名单"项目贷款超过7万亿元，支持近2000万套住房建设交付， 有力保障广大购房人的合法权益。 城市房地产融资协调机制（以下简称"协调机制"）是支持房地产项目建设和交付的重点举措。上海易居 房地产研究院副院长严跃进对《证券日报》记者表示，协调机制引导资金精准支持"保交房"，为房地产 项目注入流动性，使得楼盘能够加快完工交付。为保护购房者合法权益、实现"住有所居"提供了助力。 融资新模式落地见效 2024年1月份，住房和城乡建设部（以下简称"住建部"）、金融监管总局发布《关于建立城市房地产融 资协调机制的通知》，指导各地级及以上城市建立协调机制。 2024年10月份，住建部、金融监管总局联合举行全国保交房工作推进视频会议，提出进一步推动协调机 制"扩围增效"，扩大"白名单"覆盖范围，确保合规房地产项目"应进 ...

Core Viewpoint - The establishment of the urban real estate financing coordination mechanism aims to support housing project construction and delivery, ensuring the rights of homebuyers are protected through significant financial backing [1][2][3]. Group 1: Financing Mechanism - The urban real estate financing coordination mechanism has been established to focus on real estate projects rather than companies, creating a new financing model that emphasizes the cash flow capabilities of projects [2]. - As of now, the "white list" project loans have exceeded 7 trillion yuan, supporting nearly 20 million housing units for construction and delivery, showing a significant increase from earlier figures [3]. - The mechanism has facilitated the approval of over 5 trillion yuan in loans for "white list" projects by the end of 2024, contributing to the delivery of 3.73 million housing units [2]. Group 2: Policy Implementation - The "delivery upon delivery of property certificate" initiative has been implemented in over 2,300 counties and cities, enhancing the sense of security and satisfaction among homebuyers [4]. - The coordination mechanism effectively isolates risks between enterprises and projects, helping to prevent new risks in the real estate sector [4]. - Continuous monitoring and regulatory cooperation between housing and financial departments are recommended to ensure project progress and funding disbursement align with construction timelines [5].

Core Viewpoint - The establishment of the urban real estate financing coordination mechanism aims to support housing construction and delivery, ensuring the rights of homebuyers are protected through significant financial backing [1][2]. Group 1: Financing Mechanism - The urban real estate financing coordination mechanism has been established to focus on real estate projects rather than companies, creating a new financing model that emphasizes the cash flow capabilities of projects [2][6]. - As of now, loans for "white list" projects have exceeded 7 trillion yuan, supporting nearly 20 million housing units for construction and delivery, marking a significant increase from earlier figures [4][3]. - The mechanism has facilitated the approval of over 5 trillion yuan in loans for "white list" projects by the end of 2024, contributing to the delivery of 3.73 million housing units [2]. Group 2: Policy Implementation - The "delivery upon delivery of certificates" initiative has been implemented in over 2,300 counties and cities, enhancing the sense of security and satisfaction among homebuyers by providing property certificates simultaneously with keys [5]. - The coordination mechanism effectively isolates risks between enterprises and projects, thereby mitigating new risks in the real estate sector [6]. - Continuous efforts are being made to promote "white list" project financing as a regular practice, with provinces like Henan actively pushing for its implementation to stabilize the real estate market [4].

智通财经9月22日讯（记者 李洁）9月22日，国务院新闻办公室举行"高质量完成'十四五'规划"系列 主题新闻发布会，金融监管部门详细介绍了"十四五"时期金融业发展成就。 住建部与金融监管总局此前明确，将继续扩大"白名单"覆盖范围，让更多房地产项目获得融资支 持。 "协调机制直接针对房地产项目融资难题，而不是简单地向开发商注入流动性，这有助于精准支持 保交楼工作。"一位房地产行业分析师指出。 分析人士指出，金融监管部门在"十四五"期间打出的政策组合拳已初见成效，未来房地产金融政策 预计将延续现有思路，一方面继续通过融资协调机制支持保交楼工作，另一方面稳步推进保障性住房建 设等"三大工程"，促进房地产市场平稳过渡。 其中，房地产金融政策成效显著，特别是城市房地产融资协调机制的建立，成为化解房地产风险的 关键举措。 国家金融监督管理总局局长李云泽在发布会上表示，该机制通过"白名单"项目发放贷款超过7万亿 元，支持近2000万套住房建设交付，有力保障了广大购房人的合法权益。 发布会主要回顾"十四五"成就，不涉及短期政策调整，但潘功胜强调货币政策"以我为主"的思路， 表示将"根据宏观经济运行情况和形势变化，综合运用多种 ...

责任编辑：江钰涵 9月22日，在介绍"十四五"时期金融业发展成就时，金融监管总局局长李云泽在国新办新闻发布会上表 示，"十四五"期间，金融监管总局牵头组建了城市房地产融资协调机制，白名单项目贷款超过7万亿 元，支持近2000万套住房建设交付，有力保障广大购房人的合法权益。 ...

Core Viewpoint - The establishment of a city real estate financing coordination mechanism is crucial for promoting the stable and healthy development of the real estate market and ensuring a positive cycle between finance and real estate [1] Group 1: Financing Initiatives - The Bank of China Heilongjiang Branch has increased efforts to promote the approval and disbursement of "white list" project loans, successfully issuing a loan of 100 million yuan to a real estate company in Harbin in September [1] - To enhance the efficiency of "white list" project implementation, the Bank of China Heilongjiang Branch has formed a dedicated task force, opened a green channel, and developed specialized service plans to ensure rapid response and effective execution of the city real estate financing coordination mechanism [1] Group 2: Future Plans - The Bank of China Heilongjiang Branch will continue to implement the strategic decisions of the Heilongjiang Provincial Party Committee and Provincial Government, aiming to accelerate the construction and delivery of "white list" projects while complying with regulatory requirements [1] - The bank is committed to contributing to the expansion and effectiveness of the city real estate financing coordination mechanism [1]

Core Viewpoint - Zhejiang Merchants Bank has actively responded to the "Coordination Mechanism" for urban real estate financing, successfully supporting 30 projects with over 3 billion yuan in new financing and more than 10 billion yuan in approved credit [1]. Group 1: Financing Support - As of the end of March, Zhejiang Merchants Bank has established a "white list" of 30 real estate projects eligible for financing support, with new financing exceeding 3 billion yuan and approved credit surpassing 10 billion yuan [1]. - The bank has engaged with local housing and regulatory departments to ensure compliance with the Ministry of Housing and Urban-Rural Development's five basic conditions and the six standards set by the National Financial Regulatory Administration [1]. Group 2: Project Examples - For instance, the Guangzhou (Huizhou) branch of Zhejiang Merchants Bank has signed a loan agreement with Xinghe Real Estate Group, providing 30 million yuan in development loans to alleviate construction pressure and ensure timely project delivery [2]. - The bank has implemented a green channel for loan approvals and established specific due diligence standards to enhance efficiency in the coordination mechanism [2]. Group 3: Commitment to Industry Development - Zhejiang Merchants Bank is committed to supporting the stable and healthy development of the real estate industry, emphasizing the importance of fulfilling financial responsibilities and addressing the reasonable financing needs of real estate companies [2]. - The bank plans to continue its proactive and professional approach in implementing the coordination mechanism, aiming to provide comprehensive financial support to the real estate sector [2].