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中国人民银行副行长郭树清认为,拖欠工程款的问题与商业银行的切身利益直接相关,商业银行应当认识到,解决拖欠工程款问题是防范信贷风险、保护自身利益的前提条件。金融业要抓住重点,着重做好三个方面的工作:充分利用信贷登记咨询系统,严格控制对有信用不良记录的房地产开发公司的信贷支持;严格贷款审批条件,对自有资金不足的房地产开发企业坚决不予贷款;加强房地产开发项目贷款的统一管理,合理控制建筑安装企业流动资金贷款。
Guo Shuqing, deputy governor of the People’s Bank of China, believes that the issue of project arrears is directly related to the immediate interests of commercial banks. Commercial banks should recognize that solving the problem of project arrears is a prerequisite for preventing credit risks and protecting their own interests. The financial industry should focus its attention and focus on three aspects: making full use of the credit registration system, strictly controlling credit support for real estate development companies that have bad credit records, and strictly examining and approving the conditions of loans for real estate with insufficient funds Development companies resolutely not to lend; strengthen the unified management of real estate development project loans, construction and installation of a reasonable control of working capital loans.