今年11月，金融管理部門推出多項舉措，整合多種手段，涉及“保交樓”、預(yù)售監(jiān)管資金、房企并購等多個方面，打出房地產(chǎn)金融“組合拳”，促進房地產(chǎn)市場健康發(fā)展。

With a high frequency of supportive measures issued by financial regulators in November, the property market is expected to see a turning point in 2023 as market recovery continues to proceed, industry experts said.

業(yè)內(nèi)專家表示，隨著11月份金融監(jiān)管機構(gòu)頻繁出臺支持措施，市場繼續(xù)復(fù)蘇，預(yù)計2023年房地產(chǎn)市場將出現(xiàn)轉(zhuǎn)折點。

Since the beginning of November, the nation's financial regulatory departments have launched a wide range of policies one after another, covering credit, bonds, equity financing, presale supervision funds, and mergers and acquisitions of real estate developers, among others to ensure the property market's stable and healthy development.

自11月初以來，國家金融監(jiān)管部門相繼推出了一系列政策，涵蓋信貸、債券、股權(quán)融資、預(yù)售監(jiān)管基金、房地產(chǎn)開發(fā)商并購等，以確保房地產(chǎn)市場穩(wěn)定健康發(fā)展。

"These policies and gestures made from the central government level are extremely meaningful and the convergence of their effect will help boost market confidence and facilitate recovery," said Wang Xiaoqiang, chief analyst with the Zhuge Real Estate Data Research Center.

諸葛找房數(shù)據(jù)研究中心首席分析師王小嬙表示:“中央政府層面做出的這些政策和姿態(tài)非常有意義，這些政策的效果將有助于提振市場信心，促進復(fù)蘇?！?/p>

Although there remain uncertainties in the short term, Wang sees that supportive financial policies will strengthen market confidence, overcome the negative impacts of COVID-19 and enable the real estate market to recover at an accelerated pace.

盡管短期內(nèi)仍存在不確定性，但王小嬙認(rèn)為，支持性金融政策將增強市場信心，克服新冠肺炎疫情的負(fù)面影響，推動房地產(chǎn)市場加快復(fù)蘇。

Wang further expects the market to witness positive growth year-on-year by the middle of next year.

王小嬙進一步預(yù)計，到明年年中，房地產(chǎn)市場將出現(xiàn)同比正增長。

The latest policies were introduced on Nov 28, when China's real estate enterprises were allowed to resume refinancing and mergers and acquisitions after a 12-year suspension by the top securities regulator — the China Securities Regulatory Commission.

最新的政策于11月28日出臺，在被中國證監(jiān)會暫停12年之后，涉房上市公司并購重組及配套融資恢復(fù)。

This move will join forces with previous loosening measures by financial regulators in supporting credit expansion and bond financing to create a more friendly environment and better opportunities for property developers' refinancing, said Yan Yuejin, director of the Shanghai-based E-house China Research and Development Institution.

上海易居房地產(chǎn)研究院研究總監(jiān)嚴(yán)躍進表示，這一舉措將與金融監(jiān)管機構(gòu)此前的支持信貸擴張和債券融資寬松措施相結(jié)合，為房地產(chǎn)開發(fā)商的再融資創(chuàng)造更友好的環(huán)境和更好的機會。

Among all the policies and measures introduced, the executive meeting of the State Council — China's Cabinet — held on Nov 22, is viewed as particularly significant.

在所有出臺的政策和措施中，11月22日召開的國務(wù)院常務(wù)會議被認(rèn)為是特別重要的。

"The State Council meeting is held at a crucial time as the nation's overall economy is in the process of stabilization," said Li Yujia, chief researcher at the provincial residential policy research center of Guangdong province.

廣東省住房政策研究中心首席研究員李宇嘉表示：“國務(wù)院會議是在國家整體經(jīng)濟企穩(wěn)的關(guān)鍵時刻召開的。”

According to Li, the meeting noted that measures of supporting reasonable demand should be carried out according to each city's own conditions, stipulated that lending set aside for presold projects' construction and delivery be provided fully and swiftly, and encouraged commercial banks to issue special loans aimed at ensuring housing project delivery.

李宇嘉表示，國務(wù)院會議提出，落實因城施策支持剛性和改善性住房需求的政策，推進保交樓專項借款盡快全面落到項目，激勵商業(yè)銀行新發(fā)放保交樓貸款。

The State Council meeting did not simply reiterate previous policies, but gave guidance for local governments to work out their tailored measures, which is helpful to stabilize the market and shore up consumption, said Yan.

嚴(yán)躍進表示，國務(wù)院會議并沒有簡單地重申之前的政策，而是為地方政府制定出針對性的措施提供了指導(dǎo)，這有助于穩(wěn)定市場和支撐消費。

By loosening the lending curbs for presold projects to facilitate the handover of buildings, the State Council strived to improve the balance sheets of the property industry and promote the healthy development of the real estate sector, Yan said.

嚴(yán)躍進表示，通過放松預(yù)售項目貸款限制，促進交房，國務(wù)院的政策盡力改善了房地產(chǎn)行業(yè)的資產(chǎn)負(fù)債表，促進房地產(chǎn)行業(yè)的健康發(fā)展。

Under such guidance, future policies will be easily understood and executed, whether it is property developers, commercial banks, home sales agencies or households, Yan added.

他補充說，在這樣的指導(dǎo)下，未來的政策將更容易理解和執(zhí)行，無論是房地產(chǎn)開發(fā)商、商業(yè)銀行、房屋銷售機構(gòu)還是家庭。

According to Li, the issues the State Council addressed have been reflected in the 16-point set of financial measures jointly released by People's Bank of China — the central bank — and the China Banking and Insurance Regulatory Commission, on Nov 23.

李宇嘉表示，國務(wù)院會議強調(diào)的問題已經(jīng)反映在11月23日由中國人民銀行和中國銀行保險監(jiān)督管理委員會聯(lián)合發(fā)布的16條金融措施中。

The 16-point set of financial measures provide guidance for loans throughout the real estate industry chain that ranges from initial financing and housing project development to mortgages borrowed by individuals, Li added.

李宇嘉補充說，16條金融措施為整個房地產(chǎn)產(chǎn)業(yè)鏈的貸款提供了指導(dǎo)，從初始融資、住房項目開發(fā)到個人抵押貸款。

The circular has been immediately responded to by several commercial banks including Agricultural Bank of China, Bank of Communications and Bank of China to reach strategic collaborations with property developers since Nov 23. Industry experts expect more commercial banks to follow suit.

該通知立即得到了包括中國農(nóng)業(yè)銀行、交通銀行和中國銀行在內(nèi)的幾家商業(yè)銀行的回應(yīng)，自11月23日起多家商業(yè)銀行與房地產(chǎn)開發(fā)商達成戰(zhàn)略合作。業(yè)內(nèi)專家預(yù)計，將有更多商業(yè)銀行效仿。

The cooperative agreements are in line with the spirit of recent policies that call for national commercial banks to take the responsibility to support prime real estate developers to grow by stabilizing property loans, Liu Shui, head of research with the China Index Academy's corporate division, was quoted as saying by ThePaper.cn.

澎湃新聞援引中指研究院企業(yè)事業(yè)部研究總監(jiān)劉水的話說，這些合作協(xié)議符合近期政策的精神，即呼吁全國商業(yè)銀行承擔(dān)起責(zé)任，通過穩(wěn)定房地產(chǎn)貸款來支持優(yōu)質(zhì)房地產(chǎn)開發(fā)商的發(fā)展。

The central government's support for the real estate market was unprecedented in November, along with the optimization of measures on COVID-19 prevention and containment. "We could make the judgment that more policies for easing the market are in the pipeline until the arrival of a complete market recovery," said Wang.

王小嬙說，11月，政府對房地產(chǎn)市場的支持力度前所未有，新冠肺炎疫情防控措施也得到了優(yōu)化。“我們可以做出這樣的判斷，在市場完全復(fù)蘇之前，還會有更多推動市場復(fù)蘇的政策出臺。”

來源：中國日報

編輯：yaning