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日前,国务院发出通知,决定钢铁固定资产投资项目资本金比例由25%及以上提高到40%及以上,水泥、电解铝、房地产开发(不含经济适用房项目)均由20%及以上提高到35%及以上。 在2003年9月至2004年4月的7个月内,央行对银行法定存款准备金率作出了三次上浮调整,伴随着曾被房地产开发商认为“最严厉”的121号文件的出台,国务院采取适度从紧货币政策,遏制过度投资,严防经济过热的态度已经十分明显。一时间人心不定,众说纷纭,开发商和投资者们更是如临大敌。直至此次通知,国家对房地产过热及其可能引发的风险,已提出了迄今为止最为严厉的警告。 不仅如此,招行、华夏、深发展、中信等几家股份制银行都在4月27日接到了来自总行的类似通知,要求从当日起到5月1日暂停发放任何贷款。对此,虽然银监会有关负责人明确表示,“没有讲过要停止发放贷款”;央行也表示,“商业银行停止发放贷款,是他们自身作出的决定”。但在“五一”前,事实上各股份制商业银行都暂停了发放贷款的业务(签合同的除外)。虽然银行现已恢复贷款,但这是否是银行采取进一步行动的一个信号？
Recently, the State Council issued a circular advising that the proportion of capital for fixed assets in steel projects be increased from 25% and above to 40% and above, and that cement, electrolytic aluminum and real estate development (excluding affordable housing projects) be raised from 20% and above to 35% and above. During the seven months from September 2003 to April 2004, the PBOC made three floating adjustments to the bank’s statutory deposit reserve ratio, along with the introduction of Document 121, which has been considered by the real estate developers to be “the most severe” , The State Council has taken a very tight monetary policy to curb excessive investment and prevent economic overheating has been very clear attitude. For a time uncertain, divergent views, developers and investors are even more adversary. Until this notification, the state has overheated real estate and its potential risks, has so far put forward the most severe warning. Not only that, several joint-stock banks such as China Merchants Bank, Huaxia Bank, Shenzhen Development Bank, and CITIC Bank received a similar notice from the head office on April 27, requesting the suspension of any loans from the same day to May 1. In this regard, although the relevant head of the CBRC made it clear that “did not say to stop issuing loans ”; the central bank also said “Commercial banks to stop issuing loans is their own decision ”. However, before the May Day, virtually all joint-stock commercial banks suspended the loan business (except contracts). Although banks have now resumed their loans, is this a sign that banks are taking further action?