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V V V V V V V V V V V V V V V V V V V V V V V V V

银监会多措并举 严控系统性金融风险

2017-10-24 09:50  来源:中国经济网——《证券日报》

  针对十九大报告再次重申了“房住不炒”的定位,近日,国内多个部委也针对住房问题发出声音。银监会主席郭树清19日上午在党的十九大中央金融系统代表团开放日答记者问时表示,今后整个金融监管的趋势会越来越严,对影子银行、交叉金融、房地产泡沫、地方政府债务等,同时还有与其相关的操作性风险,要集中精力整治。

  另外,央行行长周小川在近日举办的G20财长和央行行长会议上指出,中国将继续实行积极的财政政策和稳健的货币政策,并不断综合施策,补短板、去杠杆、警惕并防控影子银行、房地产市场泡沫等风险。这是周小川首次提出市场需要警惕房地产泡沫的问题。

  对此,苏宁金融研究院宏观经济中心主任、高级研究员黄志龙对《证券日报》记者表示,十九大报告再次重申了“房住不炒”的定位,这说明过去一年中央和地方各部门不间断、密集出台的房地产调控政策将延续。从银监会角度看,过去十余年中国房地产市场狂飙是杠杆上的牛市,信贷资金是房地产市场的核心动力。从这个角度看,银监会强调进一步强化金融监管,将对房地产市场预期产生较大影响。

  银监会对于抑制房地产泡沫的具体措施有:提高按揭贷款利率水平和首付比例,降低按揭贷款杠杆水平;窗口指导商业银行减少房贷额度,延长放款时间;严查其他银行信贷资金进入房地产市场。这些措施对于抑制房地产泡沫、控制房价上涨已经起到了显著效果。

  事实上,防范房地产泡沫风险是今年银监会监管工作的重点之一,近期更是再度加强了监管。

  日前,银监会审慎规制局局长肖远企在“今年以来银行业运行及监管情况”通报会上指出,监管层将严厉严查挪用消费贷款资金,防范房地产泡沫风险。

  肖远企表示,今年以来银监会通过一系列措施突出重点领域和薄弱环节的风险防控,消费贷领域就是重点关注的领域之一,“消费金融是银行业务的一个重点,监管部门鼓励居民利用消费贷用于大宗耐用品、教育和旅游等方面的支出,进一步提高居民的生活水平,但另一方面,我们也要注意要防止居民杠杆率过快地上升,严厉打击首付贷,严查挪用消费贷款的资金?!?/p>

  随后,9月19日,人民银行广州分行、广东银监局近期已向商业银行发文,要求不得发放金额超过100万元,或期限超过10年的消费贷款,并且严禁发放无指定用途消费贷。与此同时,深圳近期也出台了消费贷规范文件。

  黄志龙认为,今年二季度以来商业银行针对居民部门的短期消费贷款急剧增加,相当一部分是进入到房地产个人按揭贷款市场,最近银监会和地方监管部门纷纷严查消费贷,同时,商业银行首套房、二套房贷款利率连续九个月上升,这些都说明监管部门、商业银行当前针对房地产信贷市场的严格政策将延续下去。这些措施将抑制房地产泡沫的继续膨胀,严控房地产泡沫可能产生的系统性金融风险。

编辑:钟雅欢

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