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    2023-04-01 10:34? 来源:财经365 作者:李静 本篇文章有字,看完大约需要 分钟的时间

    来源:财经365

    疫情期间,部分居民收入受短期影响。他们能推迟偿还抵押贷款吗?面对经济下行压力,存款准备金率是否迅速下降?

    4月14日,中国人民银行召开2022年第一季度金融统计新闻发布会,回应诸多热点问题。

    这些人下,这些人可以推迟偿还抵押贷款

    中国人民银行金融市场司司长邹兰表示,新冠肺炎爆发以来,部分居民收入受到短期影响,需要推迟月还款,重新安排还款计划。从贷后风险管理的角度来看,银行也需要有针对性的安排。

    2020年1月,中国人民银行等五个部门联合发布通知,明确金融机构应灵活调整住房抵押贷款、信用卡等个人信用还款安排,合理推迟还款期限。因疫情未及时还款的,不得提交逾期记录。

    还注意到,受疫情等因素影响,部分已售房屋项目将推迟建设和交付。中国人民银行还将按照市场化、法治化的原则,与有关部门合作,指导银行协商综合项目的实际情况和借款人的意愿,有效维护买方的合法权益。

    100多个城市的银行降低了抵押贷款利率。

    今年以来,国内疫情蔓延较多,服务业等行业和小微企业受到严重影响,正常生产经营面临巨大困难。

    邹兰说,最近抵押贷款利率的下降主要发生在银行层面。自3月以来,由于市场需求减弱,全国100多个城市的银行根据市场变化和自身经营情况独立降低了抵押贷款利率,平均范围从20到60个基点不等。

    此外,部分省市场利率定价自律机制也符合地方政府监管要求,根据城市实际情况,在国家政策范围内,降低城市首付比例和利率下限,这是城市政府、银行根据市场情况和自身经营战略、差异化、市场调整,适应房地产市场区域差异的特点。

    小微企业经营困难怎么办?

    上海继续封控政策,可能导致中小企业经营困难。

    中国人民银行金融市场司司长邹兰表示,中国人民银行将继续全力支持困难产业和小微企业的救助和发展,稳定宏观经济市场。引导金融机构增加对疫情严重影响地区和行业的信贷资源倾斜,积极满足合理的融资需求,特别是避免盲目限贷、抽贷、断贷,支持困难产业企业渡过难关。

    他说,继续充分利用包容性小额贷款支持工具和再融资贴现政策,加强积极激励,引导金融机构按照市场原则合理提供贷款延期或续期安排,扩大包容性小额贷款,提高信贷贷款与第一贷款的比例。

    随着新经济下行压力的增加,RRR降息即将到来?

    目前,新经济的下行压力不仅要增强信心,还要高度重视和积极应对这些新挑战。

    中国人民银行货币政策司司长孙指出,下一步,中国人民银行将继续及时使用降低存款准备金率等货币政策工具,进一步加强对实体经济的支持,特别是受疫情严重影响的行业、中小企业和个体工商户,合理盈利实体经济,降低综合融资成本。更多股票资讯,关注财经365!

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