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北京新增房贷创新低 “扶实抑虚”显成效

2017-08-24 09:12:30   新华网

北京新增房贷创新低 “扶实抑虚”显成效

  央行北京营管部数据显示,7月个人购房贷款占人民币各项贷款新增额26.6%,较2016年末下降13.7%

近日,央行北京营管部发布的一系列数据,各项金融指标回暖,经济显出稳中向好信号,“扶实抑虚”政策导向效果明显。

具体而言,在8月17日公布的《2017年7月北京市信贷货币运行情况》中,个人住房贷款同比增幅继续回落,较上月下降1.2个百分点;小微企业贷款同比增16.1%,较中型企业增速高8.3个百分点。

 7月个人购房贷款新增额创新低

8月17日,央行北京营管部公布《2017年7月北京市信贷货币运行情况》(下称“《情况》”)显示,在“3·17”等多项调控政策的刺激下,7月房地产信贷增速明显放缓,显示调控效果显著。

具体来看,7月末,北京市金融机构人民币房地产贷款(包括房地产开发贷款和个人购房贷款等)余额15778.1亿元,同比增长19.5%,增速比上月下降1.2个百分点。

值得关注的是,个人购房贷款在各项贷款中的占比出现了大幅下降。7月末,人民币个人购房贷款比年初增加1150.4亿元,占人民币各项贷款新增额的26.6%,较2016年末40.3%新增占比下降13.7个百分点。

此外,7月当月个人购房贷款新增额已降至今年以来最低水平。剔除资产证券化等因素影响,1-7月个人购房贷款实际月度新增额分别为207.6亿元、244.7亿元、144.7亿元、159亿元、154.2亿元、122亿元、118.3亿元。

“6-7月楼市信贷额度明显降低,只有120亿左右,主要原因是政策收紧叠加成交量大幅度下调。”中原地产分析师张大伟对新京报记者指出,从4月开始,北京二手房进入单月万套,相比之前跌幅超过50%,信贷的需求量出现下调。

与往年调控不一样的是,本轮以北京为代表的城市调控力度刷新了历史纪录,多次政策全方面封堵了任何炒房可能性。

中国社科院金融所银行研究室主任曾刚对新京报记者表示,上述数据从侧面反映了脱虚向实政策的效果初现。尤其是房地产信贷增速下滑,而信贷整体增加,表明信贷结构上其他领域贷款的增加,对实体经济起到了支持作用。

 “小微企业在北京可享受便宜的资金成本”

另一颇受关注的数据是小微企业贷款的快速增长。数据显示,7月末,北京市小微企业人民币贷款(不含票据贴现,下同)余额6794.2亿元,同比增长16.1%;增速与大型企业基本持平,较中型企业增速高8.3个百分点。

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