易綱建議設房地產預售資金保險機制
全國政協經濟委員會副主任,人民銀行前行長易綱在政協全體會議上發言,建議設立房地產預售資金保險機制,由中央財政或人民銀行每年按預售監管資金余額的1%提取預售保險基金,估計約每年100億元人民幣(下同),並先考慮以三年為限(2024至2026年),共提取預售保險基金約300億元。
他同時提議,允許房企主體按照公司治理結構依法合規動用一定比例的預售監管賬戶資金,估計有約1萬億元的資金可由房企立即使用。如果將來房企出現爛尾樓,由預售保險基金以該房企動用資金為上限先行賠付。
易綱解釋,這一預售資金保險機制可以實現「四兩撥千斤」的資金撬動作用,在一定程度上幫助房企渡過難關,爭取用三年時間過渡到以現房銷售為主。同時,對房企預售資金使用開展專項審計,確保預售資金依法合規使用。
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