Xiao Yuanqi pointed out that commercial banks' policy support for "white list" real estate projects mainly has the following aspects:
First, strengthen organizational leadership. Major commercial banks are required to set up a special work class, led by the bank leadership, the corresponding departments such as customer marketing, credit approval, risk management and other departments as members, to form a work force.
Second, it is required to actively participate in the work of the urban coordination mechanism. Under the coordination mechanism, participate in the audit and check the projects included in the "white list" according to the corresponding conditions and standards.
Third, establish a green channel. Banks are required to optimize the process of loan approval and issuance, moderate decentralization of approval authority, accelerate the speed of lending, project access, rating, credit,
post-credit and other aspects can be managed separately, allowing a single line of credit. At the same time, it is also necessary to formulate specific rules for the exemption of due diligence,
for the grass-roots bank and relevant employees have been diligent in accordance with the requirements of due diligence, and due to force majeure factors that lead to the risk of loans, to be exempted.Fourth, we should do all we can. The "white list" projects of different ownership housing enterprises are treated equally. Under the premise of controlling risks, financing support can be provided by means of new loans,
extension of stock loans, and issuance of merger and acquisition loans. The loan amount should match the construction cycle of the project, cover the funding gap of the completion and delivery of the project, promote the completion and delivery of the project, and effectively protect the legitimate rights and interests of the buyer.
Fifth, separate accounting for the "white list" projects, closed operation and management, no confusion between project funds, project funds are strictly prohibited for other purposes, to ensure that funds are used for guaranteed delivery.
Commercial banks should strictly examine the use and flow direction of credit funds, and agree with borrowers to open a project fund supervision account at the lending bank to ensure that project capital, loan issuance,
payment and disbursement, loan repayment, etc., are handled through the project fund supervision account. The pre-sale fund supervision account of the "white list" project shall be opened at the host bank.Liaoning Fangda Group Zhongxing Business: to build a leading enterprise in the department store retail area
Recently, the Liaoning Province Enterprise Conference with the theme of "Promoting high-quality development of enterprises and helping to comprehensively revitalize new breakthroughs" was held in Shenyang.
The meeting praised the outstanding contributions made by Liaoning Fangda Group and other enterprises in the first year of the new breakthrough three-year action for comprehensive revitalization. As a subsidiary of Liaoning Fangda Group,
ZTE Business actively participates in the new breakthrough three-year action of Liaoning's comprehensive revitalization in accordance with the requirements of the group, continues to explore in the fields of operation management,
service model, and consumption upgrade, and comprehensively promotes enterprise management innovation and practice. At the same time, the company uses the market mechanism to further promote the upgrading of business structure,
constantly optimize the operation mode, improve management efficiency, cultivate new momentum for development, and build the company into a leading regional department store retail enterprise with leading advantages in Shenyang and even Northeast China.
Mixed reform stimulates new vitality for high-quality development of enterprises
In April 2019, Liaoning Fangda Group became the largest shareholder of ZTE Business according to law and regulations. Since the mixed reform, ZTE Business has fully introduced the management concept of Liaoning Fangda Group
, adhered to the market-oriented orientation from beginning to end, adapted to the market, served customers, cared for employees, and realized the positive interaction and common growth of the company,
brand, employees and customers. In recent years, ZTE Business aims at the deep-seated contradictions and key links that restrict the development of the company, focuses on solving problems and drawbacks, and further strengthens the market awareness,
competition awareness, brand awareness and service awareness of all employees. With the focus on market-oriented selection, fine management and differentiated compensation, we have implemented a number of reform measures.
Through the optimization of organizational structure and staffing, the company has changed the situation of bloated organization and low efficiency before the mixed reform, and has improved work efficiency and market competitiveness;
Breaking the past "big pot rice" type of distribution, adhering to the concept of Fangda Group "income distribution should be tilted to the first line, tilted to the bitter and dirty positions, and tilted to the key positions", more work and more gain, and tilted to the real contributors. The results of the mixed change will ultimately benefit all employees.
