12月22日至23日在北京召开的全国住房城乡建设工作会议提出，2026年要着力稳定房地产市场，其中， 要进一步发挥房地产项目"白名单"制度作用，支持房地产企业合理融资需求；在房地产融资上，推行主 办银行制。 推动房地产高质量发展是推进中国式现代化建设的客观需要。房地产产业链条长、关联度高，经过20多 年的快速发展，有力支撑了我国城镇化和经济社会发展。2024年，房地产业和建筑业增加值占国内生产 总值的比重合计达13%。从长远看，我国房地产发展仍有较大潜力和空间。 推动房地产高质量发展，"人、房、地、钱"要素联动机制是保障，其中，房地产融资制度是一个关键要 素。融资制度影响房企融资预期，融资预期不稳则相关的投资、销售等经济活动都会受影响。 回顾房地产金融发展，"房地产行业上行、金融机构一哄而上"的顺周期行为并不鲜见，过度融资导致一 些企业偏离主业、过度投资，进而出现经营风险与金融风险；相反，"行业下行、融资过度收紧"的顺周 期现象也并不遥远，当金融机构的避险情绪高涨，部分房企的合理融资需求也被误伤，一定程度上加剧 了风险的累积与扩散。 完善融资制度的关键是想办法解决房企、金融机构之间的信息不对称问题，稳定融资供 ...

Core Viewpoint - The national housing and urban construction work conference emphasizes the need to stabilize the real estate market through various measures, including optimizing policies and supporting reasonable financing for real estate companies [1][2] Group 1: Real Estate Market Stabilization - The conference highlights the importance of implementing a "white list" system for real estate projects to support reasonable financing needs of real estate companies [1] - Cities are encouraged to adjust and optimize real estate policies to support both rigid and improved housing demands, promoting a stable real estate market [1] - Strategies include controlling incremental supply, reducing inventory, and enhancing supply through urban renewal and the transformation of urban villages [1] Group 2: Housing Supply and Quality Improvement - The meeting calls for optimizing and precisely implementing the supply of affordable housing and enhancing the quality of housing through various initiatives [1][2] - There is a focus on the construction of "good houses" and the promotion of a new model for real estate development, including the establishment of a project company system [1] - The conference emphasizes the need for a shift towards selling existing homes to mitigate delivery risks and protect buyers' rights [1] Group 3: High-Quality Development and Market Dynamics - The conference recognizes the ongoing new urbanization and the potential for optimizing urban stock, indicating that the real estate market still has significant growth potential [2] - It stresses the importance of viewing the new and second-hand housing markets as a whole, acknowledging the rising proportion of second-hand transactions [2] - The need for a balanced approach to risk prevention and transformation is highlighted, focusing on market-oriented and legal principles to mitigate real estate company debt risks [2] Group 4: Social Welfare and Growth Stability - The conference emphasizes the importance of addressing housing needs for various vulnerable groups, including new citizens, youth, and low-income families [2] - It advocates for the renovation of old urban areas and villages to eliminate safety hazards and improve living conditions [2] - The role of housing provident funds is underscored in enhancing housing security and supporting the construction of high-quality housing [2]

会议要求，在工作实践中，要抓好"两个统筹"。一方面，统筹防风险和促转型。坚持市场化、法治化原 则，防范化解房企债务风险，加强销售资金监管，切实维护购房人合法权益。完善商品房开发、融资、 销售等基础制度，编制实施住房发展规划和年度计划，推动建立"人房地钱"要素联动机制。优化保障性 住房供给，对城镇低保住房困难家庭兜底保障，因城施策、因地制宜满足新市民、青年人、城镇工薪群 体等各类困难群众基本住房需求。 另一方面，统筹惠民生和稳增长。稳步推进城镇老旧小区、城中村和危旧房改造，解决群众急难愁盼， 切实消除安全隐患。更好发挥住房公积金作用。围绕好标准、好设计、好材料、好建造、好运维建 设"好房子"，既把新房子建成"好房子"，也把老房子逐步改造成"好房子"，带动产业链升级，以高品质 供给满足人民群众多样化住房需求。 在房地产融资上，推行主办银行制。在商品房销售上，推进现房销售制，实现"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。同时，深化住房公积 金制度改革。实施物业服务质量提升行动，探索社区党组织领导下的居委会、业委会、物业服务企业协 调运行新模式，探索"物业服务+ ...

● 本报记者 王舒嫄 12月22日至23日，全国住房城乡建设工作会议在北京召开。会议提出，要进一步发挥房地产项目"白名 单"制度作用，支持房地产企业合理融资需求。城市政府要用足用好房地产调控自主权，适时调整优化 房地产政策，支持居民刚性和改善性住房需求，推动房地产市场平稳运行。 会议称，着力稳定房地产市场，要因城施策控增量、去库存、优供给，结合城市更新、城中村改造盘活 利用存量用地，推动收购存量商品房用作保障性住房、安置房、宿舍、人才房等。优化和精准实施保障 性住房供应，实施房屋品质提升工程，有序推进"好房子"建设。加快构建房地产发展新模式，有序搭建 基础性制度，在房地产开发上，做实房地产开发项目公司制。 在房地产融资上，推行主办银行制。在商品房销售上，推进现房销售制，实现"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。同时，深化住房公积 金制度改革。实施物业服务质量提升行动，探索社区党组织领导下的居委会、业委会、物业服务企业协 调运行新模式，探索"物业服务+生活服务"模式，推动"物业服务进家庭"。 此外，会议提出，"十五五"时期推动房地产高质量发展，要准确把 ...