记者 辛圆 10月11日，国务院新闻办公室举行新闻发布会，介绍"十四五"时期住房城乡建设高质量发展成就，并答记者问。 住房和城乡建设部副部长董建国在发布会上表示，房地产融资协调机制以城市为单元，实施项目白名单制度。目前全国白名单项目贷款的审批金额已经超过 了7万亿元，有力保障了商品住房项目建设交付。 2024年1月，住房和城乡建设部、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。 董建国还提到，在商品房销售方面，有力有序推进现房销售，做到"所见即所得"，从根本上防范交付风险；继续实行预售的，规范预售资金监管，切实维护 购房人合法权益。 2024年10月，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"。 在房地产开发方面，董建国表示，项目公司依法行使独立法人权利，企业总部履行投资人责任，项目交付前，严禁投资人违规抽挪项目公司销售、融资等资 金，严禁抽逃出资或提前分红。 2025年《政府工作报告》提出，发挥房地产融资协调机制作用，继续做好保交房工作，有效防范房企债务违 ...

编辑 李忆林子 据人民财讯10月11日电 10月11日，住房城乡建设部副部长董建国在国新办举行的"高质量完成'十四 五'规划"系列主题新闻发布会上表示，房地产融资协调机制以城市为单元，实施项目白名单制度。目前 全国白名单项目贷款的审批金额已经超过了7万亿元，有力保障了商品住房项目建设交付。（证券时报 江聃） ...

人民财讯10月11日电，10月11日，住房城乡建设部副部长董建国在国新办举行的"高质量完成'十四 五'规划"系列主题新闻发布会上表示，房地产融资协调机制以城市为单元，实施项目白名单制度。目前 全国白名单项目贷款的审批金额已经超过了7万亿元，有力保障了商品住房项目建设交付。 ...

Group 1 - The core viewpoint of the news is the significant achievements in the financial sector during the "14th Five-Year Plan" period, particularly the establishment of the urban real estate financing coordination mechanism, which has been crucial in mitigating real estate risks [1][2] - The financing coordination mechanism has issued loans exceeding 7 trillion yuan, supporting nearly 20 million housing units for construction and delivery, thereby safeguarding the legitimate rights and interests of homebuyers [1][2] - The financial regulatory authorities plan to continue expanding the coverage of the "white list" to allow more real estate projects to receive financing support, indicating a proactive approach to address financing challenges in the real estate sector [2] Group 2 - The People's Bank of China has implemented various measures to stabilize the real estate market, including optimizing down payment ratios and mortgage rates, which have effectively reduced the financial burden on homebuyers [3] - The reduction in existing mortgage rates is expected to save over 300 billion yuan in interest payments annually for more than 50 million households [3] - Financial support for the "three major projects," including affordable housing, has exceeded 1.6 trillion yuan, with rental housing loans growing at an average rate of 52% [4] Group 3 - The number of financing platforms has decreased by over 60% since March 2023, and the scale of financial debt has dropped by more than 50%, indicating a significant reduction in debt risk levels for local government financing platforms [4] - China's foreign exchange reserves have remained stable above 3 trillion USD, playing a crucial role as a stabilizer for the national economy and financial system [4] - The combination of policies, funding, and expectations has effectively mitigated risks in key areas such as real estate and local financing platforms, while ensuring that financial resources continue to support the real economy [4]

国务院新闻办公室于2025年9月22日举行"高质量完成'十四五'规划"系列主题新闻发布会，邀请中国人民银行行长 潘功胜，金融监管总局局长李云泽，中国证监会主席吴清，中国人民银行副行长、国家外汇局局长朱鹤新介绍"十 四五"时期金融业发展成就，并答记者问。涉及房地产的内容主要如下： 李云泽：我们也积极助力化解房地产和地方债风险。持续推动房地产市场止跌回稳。多措并举稳定融资，为保障 性住房等"三大工程"提供资金支持超1.6万亿元，租赁性住房贷款年均增长52%。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。支持化解 地方债务风险。指导金融机构严守不新增隐债的红线，依法合规对融资平台开展债务重组和置换，助力地方在发 展中化债、在化债中发展。 潘功胜：在金融支持房地产风险化解方面，人民银行立足宏观审慎管理的职能，优化调整首付比、房贷利率等多 项政策，并降低存量房贷利率，每年可为超过5000万户家庭减少利息支出约3000亿元。 中国央行在货币政策的确定上，宏观层面的原则是非常清晰的，中国的货币政策坚持以我为主，兼顾内外均衡。 当前中国的货币政 ...

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。 0:00 ...

编辑 辛婧 据央视新闻消息，国务院新闻办公室今日举行"高质量完成'十四五'规划"系列主题新闻发布会。相关负 责人介绍，"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 - Shenzhen is enhancing its real estate financing coordination mechanism to support the "guarantee delivery of housing" initiative by including all compliant existing housing development loan projects in a "white list" [1] Group 1: Financing Mechanism - Shenzhen has approved 403 projects under the "white list" as of the end of June [1] - The total approved amount for these projects is 549.299 billion yuan [1] - The amount disbursed to date stands at 403.968 billion yuan [1]

Group 1: Financing Trends - The financing scale for real estate companies in the first half of the year was 184.4 billion yuan, a year-on-year decrease of 30% [1] - In Q2, financing reached 100.4 billion yuan, a quarter-on-quarter increase of 19% but a year-on-year decrease of 25% [1] - Despite marginal improvements in financing support policies, the financing situation remains severe, particularly for private real estate companies [1][3] Group 2: Domestic and International Debt - The cost of domestic bond financing decreased to 2.71% in the first half of the year, down 0.2 percentage points from the previous year [4][7] - In contrast, the cost of overseas debt financing remains high, with rates around 8.60% for the first half of 2025 [3][4] - The average financing cost for real estate companies has increased, with New City Development's overseas bond issued at an 11.88% interest rate [3] Group 3: Debt Maturity and Repayment Pressure - The total bond maturity for real estate companies in 2024 is projected to be 482.9 billion yuan, while the issuance scale is only 220.9 billion yuan [13] - The debt pressure is expected to increase in 2025, with maturing debts reaching 532.7 billion yuan [13][16] - The third quarter of this year is anticipated to be a peak period for debt repayment, with approximately 160 billion yuan due [13] Group 4: Alternative Financing Strategies - Real estate companies are exploring various liquidity-boosting strategies, including asset sales and debt restructuring [16][18] - For instance, Aoyuan Group sold a stake in a subsidiary for 191 million yuan to repay debts [16] - The industry is also seeing significant progress in debt restructuring, with several companies completing judicial reorganization [18] Group 5: Policy and Market Outlook - The urban real estate financing coordination mechanism has been accelerated, with over 670 billion yuan approved for loans [17] - The government plans to issue 440 billion yuan in special bonds to support real estate development and debt repayment [17] - The industry is encouraged to explore new sustainable development models, with urban renewal being a key focus area [18][19]

Group 1 - The real estate market in China is showing positive changes in the first half of 2025, with both new and second-hand housing transactions experiencing year-on-year growth, indicating overall market stability [2] - Major cities such as Shenzhen and Guangzhou have seen active real estate markets, with significant increases in transaction volumes and sales areas, supported by various measures to stimulate housing consumption [2] - The average monthly transaction volume of second-hand homes in Shenzhen exceeded 5,000 units, while Guangzhou's second-hand residential transactions increased by 12.98% in number and 13.31% in area year-on-year [2] Group 2 - The real estate financing coordination mechanism has played a crucial role in stabilizing the market, with cities like Guangzhou and Shenzhen leading in credit and financing quotas [3] - This mechanism facilitates precise matching between real estate developers and financial institutions, effectively meeting the reasonable financing needs of real estate companies [3] - The reduction of housing provident fund loan rates by 0.25 percentage points is expected to save residents over 20 billion yuan annually in interest payments, further supporting home purchasing demand [3] Group 3 - Precise land supply strategies are being implemented to promote balance between supply and demand in the real estate market, with some cities pausing new residential land supply in areas with excess inventory [4] - The land market remains active, indicating improved financial conditions for some real estate companies and increased confidence in the market [4] - Local governments are encouraged to adopt tailored policies to stabilize the real estate market, enhance policy effectiveness, and meet the public's expectations for quality housing [4]