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內地鼓勵銀保機構在購租房及消費信貸等領域加強對新市民提供金融支持
阿思達克 03-07 07:11
中國銀保監會與人民銀行聯合下發《關於加強新市民金融服務工作的通知》,通過明確「新市民」範圍,明確鼓勵銀行保險機構在購房、租房及消費信貸等安居需求領域,加強對新市民提供金融支持。 該通知提出滿足新市民合理購房信貸需求,支持商業銀行認真貫徹國家有關政策,緊緊圍繞「穩地價、穩房價、穩預期」目標,因城施策執行好差別化住房信貸政策,合理確定符合購房條件新市民首套住房按揭貸款的標準,以提升借款和還款便利度。 該通知提出,支持鼓勵銀行保險機構擴大金融產品和服務供給,促進新市民創業就業。推動商業銀行加強小微企業「首貸戶」拓展和信用貸款投放,支持吸納較多新市民就業的小微企業和個體工商戶獲得信貸資金。支持銀行保險機構通過參與保障性租賃住房試點及助力政府部門搭建住房租賃綜合服務平臺等方式,推動增加長租房源供給,完善住房租賃市場供應體系。支持商業銀行依法合規爲專業化、規模化的住房租賃企業提供信貸支持,降低住房租賃企業資金成本,助力緩解新市民住房壓力。 新市民主要是指因該人創業就業、子女上學、投靠子女等原因來到城鎮常住,未獲得當地戶籍或獲得當地戶籍不滿三年的各類羣體,包括但不限於進城務工人員、新就業大中專畢業生等,目前約有三億人。
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