小微企业是区域经济活力的重要源泉，但融资难、融资贵问题一直是制约其发展的瓶颈。莱州金融监管 支局深入践行金融工作的政治性与人民性，落实支持小微企业融资协调工作机制各项工作部署，推动金 融活水精准滴灌辖区小微企业。截至2025年11月末，辖内银行机构已为小微企业、个体工商户等经营主 体授信118.92亿元、放款103.32亿元，切实为小微企业发展纾困解难、赋能增效。 精准摸排需求是服务落地的关键，支局联合市发改局召开"千企万户大走访"活动工作培训会议，进一步 提升走访人员政策解读与需求梳理能力。渔业领域的小微企业便深切感受到了这份精准服务的温度，莱 州市三山岛某渔业专业合作社负责人计划淘汰旧渔船换新船，总资金需求400多万元，存在100万元资金 缺口，且淘汰旧船来购买新船时将没有抵押物。邮储银行莱州支行与政府工作人员联合走访时精准掌握 了这一融资梗阻问题，随即启动"联合会诊"思路，结合渔业企业特点为其匹配"极速贷"产品，发放法人 保证贷款100万元，帮助顺利换新船，后续又协助企业以新船抵押完善融资架构，实现银企双赢。 提升服务质效 助力稳健经营 为进一步提升服务质效，辖区银行机构推动简化企业授信资料要求、优化审 ...

Summary of Conference Call on China Banks and Property Industry Overview - The focus is on the Chinese banking sector and the property market, particularly the risks associated with property-backed loans and the implications for banks and borrowers [2][3][4]. Key Points 1. Rising Risks in Property-Backed Loans - Individual property-backed loan risks are increasing due to ongoing declines in property prices, raising concerns about potential defaults on mortgages and business operating loans [2][3]. - Key metrics indicating risk include: - **Foreclosed Properties**: 2.1 million units, or 1.8% of total properties with mortgages or loans [2]. - **Negative Cash Flow**: 1.2% of mortgage holders and 4.8% of all borrowers may have insufficient income to cover their loans [2][3]. - **Negative Equity**: Expected to rise from 0.7 million units in 2025 to 3.3 million units by 2027, with loan losses projected to reach RMB 232 billion [2][9]. 2. Cash Flow as a Key Driver of Defaults - Cash flow issues, rather than property price declines, are seen as the primary driver of potential defaults [3]. - Historical reference from Hong Kong (1997-2003) shows that despite significant property price declines, delinquency rates remained low, indicating that cash flow is a more critical factor [3][16][17]. 3. Regulatory Measures and Their Implications - Anticipated regulatory measures to mitigate risks include: - Personal credit relief policies to remove small defaults from credit reports [4]. - Delivery of over 7.5 million stalled housing units by the end of 2025 [4]. - Potential mortgage rate cuts below 3% [4]. - These measures could lead to increased secondary market listings, putting further pressure on property prices [4]. 4. Implications for Banks - The banking sector is expected to face manageable risks, with a projected NPL ratio of 3% (1.6% for mortgages and 4.8% for MSE/business operating loans) [5]. - Large state-owned banks may need to make additional provisions equivalent to 11-10 basis points of annualized credit cost [5]. - The estimated additional provisioning needed for banks could amount to RMB 0.3 trillion, representing 7.3% of annual PPOP in 2025 [74]. 5. Foreclosure and Refinancing Risks - The number of foreclosed properties is expected to rise significantly, with estimates of 0.64 million units in 2025 and 2.43 million units by 2027 due to refinancing pressures on business operating loans [25][27]. - The outstanding operating loan amount was RMB 29.4 trillion as of the end of 2023, with a significant portion backed by physical property [24]. 6. Market Sentiment and Future Expectations - A significant increase in respondents indicating they will not buy a house in the next two years, rising from 32% in 2024 to 45% in 2025, reflects a pessimistic outlook on the property market [62]. - Property prices are expected to decline by 10% in 2026 and 5% in 2027, following a 12% decline in 2025 [65][68]. 7. Potential Policy Responses - Forbearance measures, such as repayment extensions and penalty waivers, are expected to be implemented to contain defaults [69]. - The PBOC is considering reforms to the personal credit system to alleviate the impact of delinquencies on borrowers [71]. 8. Conclusion - The overall sentiment indicates that while risks in the property market and banking sector are rising, regulatory measures and cash flow management strategies may help mitigate potential defaults and systemic risks [3][4][5][68].

根据最新公告，大华银行中国向富邦华一银行转让个人业务产品与服务已经完成。 7月7日，大华银行（中国）有限公司（以下简称"大华银行中国"）在其官网一连挂出四项公告，涉及个人业务留存客户服务内容、个人业务产品和服务转让交割完 成和抵押贷款转让交割完成的重要通知等。 公告显示，自交割日后，大华银行中国提供的任何账户与自动扣款服务已经终止，大华银行中国自交割日后将不再从客户的指定账户进行自动扣款，或提供其他账 户服务。 客户与大华银行中国之间已订立的与个人业务产品及服务相关的客户协议(包括该协议项下的大华银行中国的权利与义务)和其在大华银行中国预留的个人信息(包括 但不限于用于账户开立及合同履行所必须的相关个人信息等)已转让给富邦华一银行，且将由富邦华一银行代替大华银行中国履行客户协议。 当日，富邦华一银行有限公司（以下简称"富邦华一银行"）在其官网也挂出了两则相关公告，并通过该行官方微信公众号，向大华银行中国转入客户发出了两封致 信，分别涉及I类借记卡账户快速指引和Ⅱ、Ⅲ类电子账户快速指引。 已完成转让产品与服务 根据两家银行皆在其官网公告的《有关个人业务产品和服务转让交割完成的通知》，此次转让已经于2025年7月 ...

6月23日，大华银行（中国）有限公司（下称"大华银行中国"）发布《有关大华银行中国个人业务产品和服 务转让交割的重要通知》和《有关大华银行中国抵押贷款转让的重要通知》两则公告，更新该行有关服务 的转让交割具体时间。 明确转让交割日 大华银行中国6月23日早间发布《有关大华银行中国抵押贷款转让的重要通知》显示，该行个人房产抵押贷款 (包括债权及附属担保/保证权益，下称"抵押贷款")的转让交割日预计为2025年7月4日(下称"交割日")。同时， 相关个人业务产品与服务的转让交割日预计也为7月4日。 该日期如有变化，该行将另行通知。 公告显示，自交割日后，该行客户的抵押贷款服务将由富邦华一银行有限公司(简称"富邦华一银行")提供。客 户与大华银行中国签署的抵押贷款相关客户协议项下该行的权利与义务以及客户的个人信息将自交割日转让给 富邦华一银行。 与此同时，自交割日后，客户所涉及的转让产品与服务将由富邦华一银行承接。例如，客户在大华银行中国持 有的账户及存款、抵押贷款、代理销售保险(不含英大泰和人寿保险股份有限公司的产品)及代客境外理财-海外 基金/结构性票据。 此外，客户与大华银行中国之间已订立的与个人业务产品及服 ...