All branches of China Banking and Insurance Regulatory Commission, all city (prefecture) housing and urban-rural development bureaus, all policy banks, provincial branches of large banks, provincial associations, all city commercial banks, all joint-stock banks Guiyang branches, Citibank Guiyang branches, all rural small and medium-sized banks in Guiyang Institutions, Huaneng Guixin Trust Company, provincial branches of financial asset management, Guiyin Financial Leasing Company, Huagui Life Insurance Company, and provincial branches of insurance:

In order to thoroughly implement the decisions and arrangements of the CPC Central Committee and the State Council on the development of affordable rental housing, implement the "Guiding Opinions of the China Banking and Insurance Regulatory Commission's Ministry of Housing and Urban-Rural Development on Printing and Distributing Bancassurance Institutions to Support the Development of Affordable Rental Housing" (CBIRC Regulation [2022]) No. 5, see attachment), seize the policy opportunity of the "Opinions of the State Council on Supporting Guizhou's Development of the West in the New Era" (Guo Fa [2022] No. 2), and promote the key points of housing construction during the national "14th Five-Year Plan" period In order to increase the financial support for the construction and operation of affordable rental housing, and focus on solving the housing difficulties of new citizens, young people and other groups, the following requirements are hereby proposed, please implement them together.

1. Improve the station position and increase support for the development of affordable rental housing

(1) Attach great importance to the development of affordable rental housing. All units should follow the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the spirit of the 19th National Congress of the Communist Party of China, the 19th Plenary Sessions and the Central Economic Work Conference, adhere to the people-centered, market-oriented, and risk-controllable The premise and the working principle of multi-party collaboration are the guarantee, and the foothold is to continuously enhance the people's sense of gain, happiness, and security, and stick to the positioning that the house is for living, not for speculation, and will support affordable rental housing. Development is an important measure to promote common prosperity, as an important starting point for new urbanization and the "strengthening provincial capital" action, and increase support for the development of affordable rental housing.

(2) Increase support for the development of affordable rental housing. All banking and insurance institutions shall build multi-level, wide coverage, risk controllable and sustainable business guarantees around the development and construction, purchase, stock revitalization, renovation and renovation, operation management, supporting infrastructure construction, transaction settlement and other links of affordable rental housing. The relevant loans issued to the affordable rental housing projects that hold the affordable rental housing project certification shall not be included in the management of the concentration of real estate loans by the regulatory authorities. Help new citizens, young people, etc. to ease housing difficulties, and effectively support the development of affordable rental housing in the province.

2. Establish and improve the financial service mechanism and provide solid financial support services

(3) Establish and improve the organizational structure and performance appraisal mechanism. All banking and insurance institutions should strengthen the organization and leadership of supporting the affordable rental housing business, establish and improve the working mechanism, and ensure that all work is implemented and effective; optimize the organizational structure of financial services, and encourage the establishment of special service departments, special Establish characteristic branches and other forms, innovate the organizational structure of affordable rental housing financial services; improve the incentive and restraint mechanism, increase the assessment ratio of affordable rental housing business in various real estate businesses, and implement internal fund transfer pricing for affordable rental housing financing Incentives.

(4) Give full play to the business advantages of various institutions and strengthen financial support. All banking and insurance institutions shall, based on their own functional positioning, strengthen financial support for the development of affordable rental housing under the premise of compliance with laws and regulations, controllable risks, and business sustainability. The China Development Bank should increase its mid- and long-term credit support for affordable rental housing projects; commercial banks should actively meet the needs and provide professional and diversified financial services; rural small and medium-sized financial institutions should give priority to supporting the use of collectively-operated construction land to build affordable rental housing housing project. Support insurance institutions to provide long-term financial support through direct investment or subscription of debt investment plans, equity investment plans, insurance private equity funds, etc., and provide risk protection for property loss, civil liability, personal accident and other risks for the construction and operation of affordable rental housing; support Non-bank institutions participate in the construction and operation of affordable rental housing in compliance with laws and regulations.

(5) Grasp the characteristics of demand and provide targeted financial products and services. All banking and insurance institutions shall provide long-term loans to self-sustainable rental housing entities in a market-oriented manner, properly support non-owning property security rental housing leasing enterprises, and explore guarantee methods that meet the characteristics of affordable rental housing. Encourage banking financial institutions to use syndicated loans to increase financing support for affordable rental housing projects. Bancassurance institutions are encouraged to participate in real estate investment trusts (REITs) in the infrastructure sector on the premise of compliance with laws and regulations and controllable risks. Encourage banking and insurance institutions to facilitate issuance of corporate bonds, non-financial corporate debt financing instruments and other bond financing for affordable rental housing projects, and increase bond investment. The owners of affordable rental housing projects are encouraged to purchase engineering insurance for the construction in progress during the project construction period, and to purchase enterprise property insurance for the leased property during the project operation period.