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北京严查个贷资金违规购房 将开展针对性专项检查

2017-09-06 08:12:33   新华网

  原标题:北京严查个贷资金违规购房 将有针对性地开展专项检查 依法依规从严处理违规问题

近期,北京银行业金融机构个人经营性贷款和个人消费贷款规模增长有所加快,而且据市场情况反映,个别银行发放的个人经营性贷款和个人消费贷款存在违规流入房地产市场用于购房的情况,这类行为不符合房地产调控的政策要求。

4日有报道称,在房贷增量放缓的同时,银行消费类贷款却持续快增,不排除资金违规进入楼市的情况。昨天,北京银监局和央行营管部迅速反应,联合下发《北京银监局、人行营业管理部关于开展银行个人贷款资金违规进入房地产市场情况检查的通知》。

据介绍,近期,北京银行业金融机构个人经营性贷款和个人消费贷款规模增长有所加快,而且据市场情况反映,个别银行发放的个人经营性贷款和个人消费贷款存在违规流入房地产市场用于购房的情况,这类行为不符合房地产调控的政策要求。

为进一步规范北京地区房地产市场金融秩序,巩固前期房地产市场调控成果,北京银监局、人行营业管理部于9月5日联合印发《北京银监局、人行营业管理部关于开展银行个人贷款资金违规进入房地产市场情况检查的通知》(京银监发〔2017〕153号),要求辖内银行业金融机构针对个人经营性贷款和个人消费贷款开展自查工作,重点检查“房抵贷”等资金违规流入房地产市场的情况。

下一阶段,北京银监局、人行营业管理部将视银行业金融机构自查情况,有针对性地开展专项检查,对于检查发现的问题,依法依规,从严处理。

今年以来,国家对楼市严格调控,个人房贷发放被严格管控。比如,北京地区全部银行严控个人购房贷款新增额占全部新增贷款的比重,监管部门将全年调控目标确定为25%左右,预计比去年要少1000亿元。很多购房者发现贷款不仅利率上浮明显,周期一拖再拖。

多家A股上市银行中报数据显示,其上半年住房按揭贷款增速回落,新增房贷占个人贷款的比重也较去年末有所下降。与此同时,居民消费性短期贷款在今年前七个月的增量已经超过去年全年。业内人士表示,在房贷业务受限的情况下,银行有加快发力消费贷款等其他收益更高的零售业务的动力,这也符合不少银行加快零售业务转型的目标。不过,对于部分消费贷款变相涌向房地产市场的风险需警惕。

海通证券宏观首席分析师姜超在研报中称,2017年前七个月,居民新增消费性短期贷款1.06万亿元,累计同比多增7137亿元,而去年全年仅新增消费性短期贷款8305亿元。他表示,短期消费性贷款的爆发式增长可能与地产销售密不可分。地产销售仍在增长,但去年下半年以来银行房贷额度逐渐受限,部分居民购房贷款或借道短期消费贷款完成,导致居民短贷的高增长。(记者 程婕)

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