Core Viewpoint - The recent issuance of the "Opinions on Continuing to Promote Urban Renewal Actions" by the Central Committee and the State Council emphasizes the establishment of a sustainable urban renewal model, aiming for a transformation in urban development and construction methods by 2030, with a focus on diversified financing mechanisms to support this transition [1] Financing Mechanisms - The "Opinions" propose a diversified financing approach, including national funding such as central budget investments, long-term special bonds, and local government financial contributions through special bonds for urban renewal projects [2] - Policy-driven financial institutions are encouraged to participate in urban renewal under compliant and sustainable conditions, enhancing credit support for various projects [2] New Financing Models - Traditional financing methods for urban renewal, primarily based on real estate collateral, need to be reformed to accommodate the new model focused on revitalizing existing assets [3][4] - Financial institutions are urged to develop tailored loan systems that align with the specific stages and cash flow of urban renewal projects, moving away from reliance on real estate collateral [4] Planning and Asset Management - A three-tier planning mechanism is proposed to enhance the value of urban assets and resources, focusing on overall spatial planning, special planning for mechanisms, and detailed planning for functional indicators [5] - The "Opinions" stress the importance of public investment in essential infrastructure and underground projects to facilitate private sector participation and improve expected returns [5] Flexibility and Community Involvement - The planning phase should allow for flexibility and discretion to balance unforeseen costs and expected returns, encouraging social capital participation [6] - Community stakeholders, including owners, residents, and businesses, are encouraged to engage in the detailed planning process, fostering a sense of shared benefit and broader societal investment [6]

了解更多业绩说明会详情，请点击：https://rs.p5w.net/html/146684.shtml 对于投资者关心的兰州银行如何面对房地产周期带来的影响，未来如何调整贷款产品结构？兰州银行公 司业务部总经理李胜龙回答，我行积极面对房地产周期调整，一是深入贯彻落实国家相关决策部署，按 照市场化、法制化原则，保障房地产行业平稳健康发展，促进金融与房地产良性循环，金融支持房地产 市场止跌回稳。持续加强统筹跟踪协调，梳理细化任务措施，推动各项政策措施扎实落地，全力支持房 地产项目合理融资需求。二是跟进收购已建成存量住房用作保障性租赁住房项目。积极对接当地住建部 门，营销国有企业收购主体在我行开户，并积极对接营销已入库的优质保障性住房收购贷款需求。同时 根据政策要求，地方国有企业获得的贷款资金，要单列账目、单独核算，确保专款专用、封闭管理，关 注项目是否为我行存量房地产开发贷款，做好贷款置换工作，确保我行项目贷款安全，还款来源不流 失。三是充分发挥经营性物业贷款作用，满足房地产企业合理融资需求。选择优质项目形成的成熟物 业，跟进营销企业合理的融资需求，同时发挥经营性物业贷款用途灵活的优势，置换项目法人为建设物 业 ...