CBN丨CSIRC asks banks, insurers to ensure deliveries of pre-sold homes

三分钟音频，中英文带你速览中国经济头条。

您的浏览器不支持音频播放。

Hi everyone. I’m Stephanie LI.

大家好，我是主持人李莹亮。

Coming up on today’s program.

重点提要

• Chinese banking and insurance regulator makes fresh pledge to deal with rural banks and default mortgage risks;

• Heat wave in China is expected to linger for several more weeks.

中国经济要闻

China's banking and insurance regulator vowed on Sunday to handle the risks associated with five rural banks in Henan and Anhui provinces in accordance with laws and regulations, as well as to ensure financial services for the delivery of home projects, said an unidentified official of the China Banking and Insurance Regulatory Commission (CBIRC) Sunday night.

In a late-night article posted on its WeChat official account, the China Banking and Insurance News disclosed that the investigations by the public security authorities over nearly three months have revealed that the Henan New Wealth Group manipulated the five rural banks in Henan and Anhui and took advantage of third-party platforms and fund brokers, among other illegal means of collecting and possessing public funds.

Based on current evidence, the vast majority of off-balance-sheet clients have no prior knowledge of the suspected criminal actions of the Henan company and have not reaped any additional proceeds or subsidies, the report said, adding that the original back office data has been concealed, deleted or modified by the criminal gang.

Average clients would initially get back the advance payments, while refunds for those with deposits of more than 50,000 yuan will be processed later.

The regulator also vowed to support local efforts to guarantee home deliveries and ensure people's livelihoods and stability during the Sunday interview, saying that banks and insurers should join the efforts to ensure deliveries of pre-sold homes.

Banks should find out the reasons behind the delays, classify housing projects into different categories, take targeted measures, actively participate in the study of reasonable solutions to funding gaps for housing development projects, and help promote rapid resumption of work on the projects and timely deliveries of pre-sold homes.

As of mid-July, some customers who bought homes in about 150 property projects in multiple cities issued statements saying they will refuse to make mortgage payments due to delayed deliveries of their pre-sold homes. The official said banks should meet the needs of individual clients' and protect the legal rights and interests of financial consumers according to laws.

关于近期市场高度关注的“保交楼”金融服务、依法依规处置河南安徽5家村镇银行风险等问题，银保监会昨夜重磅发声。

据中国银行保险报官微，7月17日，银保监会有关部门负责人就近期重点工作进展接受了采访。

关于河南村镇银行风险问题，该负责人表示，经过近3个月的努力，公安机关已初步查明案件主要事实，还原了事件真相。

公安部门近三个月的调查显示，河南新财富集团操纵河南、安徽5家村镇银行，通过内外勾结、利用第三方平台以及资金掮客等方式非法吸收并占有公众资金，篡改原始业务数据，掩盖非法行为。

根据目前所掌握证据，绝大多数账外业务普通客户对新财富集团涉嫌犯罪行为不知情、不了解，而且也未获得额外的高息或补贴。因此处置方案确定对这些客户的本金分批垫付。

由于原来的后台数据被犯罪团伙隐瞒或删改过，为确保信息真实性，两省新搭建了客户信息登记系统，并与后台数据进行交叉核验。

此次采取分批垫付方式，首先7月15日启动了首批账外业务客户资金垫付，下一步将陆续启动5万元以上客户垫付工作。

关于积极做好“保交楼”金融服务，银保监会提出了四大工作要点，并指出银行要积极履行自己的职责，既要遵循市场化、法治化原则，又要主动承担社会责任，千方百计推动“保交楼”。

6月30日，江西景德镇某楼盘业主因项目延期交付发布停止还贷声明，引发舆论关注。银保监会对此高度重视，加强与住建部、人民银行等部门的协同配合，坚持“房住不炒”，坚持“稳地价、稳房价、稳预期”，支持地方更加有力地推进“保交楼、保民生、保稳定”工作。

在此次采访中，有关负责人还对银行业保险业支持稳住宏观经济大盘、关于辽宁金融风险处置进展情况、中小银行补充资本金、银行业保险业改革开放等热点问题进行了回应。

• The deadly scorching heat wave in China that has lasted for more than 30 days and affected over 900 million people is forecast to linger for the next few weeks.

  Since the country started to experience the first heat wave this year on June 13, the impact has swept across more than 5 million square kilometres, according to the National Climate Center. A total of 71 major weather stations recorded temperatures exceeding their historical highs, among which the daily highest temperature in some counties of Hebei and Yunnan provinces reached above 44 degree Celsius, according to the center.

  The National Meteorological Center forecast that by July 26, southern parts of China will continue experiencing high temperatures above 35 degree Celsius. The National Climate Center predicted that from July 27 to Aug 11, more heat than normal will hit most parts of the country.

• 高温热浪将持续数周：6月以来，高温事件已持续30天，覆盖我国国土面积超过500万平方公里，影响人口超过9亿人。国家气候中心监测显示，今年6月以来，我国平均高温日数5.3天，较常年同期偏多2.4天，为1961年以来历史同期最多。全国共有71个气象站的最高气温突破历史极值，其中河北省和云南省部分地区日最高气温达44℃以上。根据中央气象台预报，至7月26日，我国江南华南等地将继续多高温天气。国家气候中心预计，7月27日至8月11日，我国大部地区气温较常年同期偏高。

产业及公司新闻

• Shares of China Graphite Group once soared over 200 percent on its debut in Hong Kong in early trading today. The manufacturer and distributor of graphite products has raised HK$83.8 million ($10.7 million) in net proceeds from its IPO after pricing the shares at the lower end of its marketed range. Its Hong Kong public offering was 26.5 times oversubscribed.

  中国石墨上市首日暴涨：7月18日，港股中国石墨于首日上市，早盘一度涨超200%，收涨143%，报0.79港元。中国石墨7月15日早间公告，发售价已厘定为0.325港元，公司自全球发售收取的所得款项净额估计约为83.8百万港元。根据公告，香港发售股份已获适度超额认购，相当于香港公开发售项下初步可供认购的数目4000万股香港发售股份约26.51倍。

• China Resources has reportedly agreed to acquire a 51 percent stake in Jinsha jiuye, becoming the largest shareholder of the Guizhou-based Chinese baijiu maker. China Resources had reached cooperation intentions with Jinsha's controlling shareholder as early as last year, but has been in a confidential stage, the report said. The acquisition is expected to be disclosed publicly in August.

  华润有意入股金沙酒业：7月15日晚，市场传出华润巨资控股酱酒生产企业贵州金沙窖酒酒业的消息。16日上午，21世纪经济报道记者从金沙酒业高层人士获悉，华润集团控股金沙酒业一事已于去年达成意向，但并未对外界公布。目前该消息尚未得到华润啤酒方面的正面回应。

• A Boeing 767-300 cargo plane took off from the Ezhou Huahu Airport in central China's Hubei Province on Sunday morning, marking the official start of operations of China and Asia's first professional cargo hub airport, and the fourth of its kind in the world. By 2025, the airport expects the passenger throughput to reach 1 million and cargo throughput hitting 2.45 million tons.

  亚洲首个专业货运机场投运：7月17日11时36分，一架顺丰航空全货机搭载着发往深圳的快件从湖北鄂州花湖机场飞上蓝天。这是鄂州花湖机场正式投运后起飞的首架货机。作为我国首个、亚洲首个专业货运枢纽机场，鄂州花湖机场定位为货运枢纽、客运支线、公共平台、货航基地。据悉，鄂州花湖机场近期规划目标为2025年，旅客吞吐量100万人次、货邮吞吐量245万吨。

• China remained the world's leading shipbuilder in the first half of this year in terms of output, new, and holding orders, data from the Ministry of Industry and Information Technology showed Thursday. The country's shipbuilding output hit 18.5 million deadweight tonnes (dwt) in the period, accounting for 45.2 percent of the world's total. New shipbuilding orders and holding orders took up 50.8 percent and 47.8 percent of global market share, respectively.

  上半年造船三大指标稳居世界第一：工信部周四发布数据，2022年1-6月，全国造船完工量1850万载重吨，新接订单量2246万载重吨，手持订单量10274万载重吨。1-6月，我国造船完工量、新接订单量和手持订单量以载重吨计分别占世界总量的45.2%、50.8%和47.8%，按修正总吨计分别占42.0%、47.7%和41.5%，国际市场份额均位居世界第一。

• Multiple real estate projects in China have resumed construction after some disgruntled homebuyers denied to pay their mortgages for unfinished or stalled housing projects, including a project belonging to Greenland Holdings in Jiangxi Province, media reported Sunday.

  多个“停贷”风险楼盘项目复工:17日媒体报道，江西景德镇、河南郑州、湖北武汉等地的绿地、奥园等房企开发商的延期交付的多个楼盘项目有的已正常施工，有的则迎来了复工的消息。按揭贷款银行实地到工地走访调查，江西赣州绿地博览城商住小区目前施工正常，河南郑州名门翠园项目也有望于8月份复工。

• The Ministry of Finance is expected to allocate a total of about 40 billion yuan in additional subsidy to the State Grid's renewable energy power production fund, according to the company on Sunday, with 10.5 billion yuan for wind, 26.1 billion yuan for solar, and 3.4 billion yuan for biomass power generation.

  可再生能源再迎利好：国家电网消息，2022年年度预算第一次请款，财政部共预计拨付公司可再生能源电价附加补助资金年度预算399.37亿元，包含风力发电105.18亿元、太阳能发电260.67亿元、生物质能发电33.52亿元。国家电网表示，公司目前已完成2022年年度预算第一次补贴资金向财政部请款程序，相关资金将在财政部补助资金到账后，及时、足额转付给项目主单位。

财报速递

• BYD said it is expecting first-half net profit to as much as triple from the same period last year as sales rocket, making it the best-selling EV maker on the planet. BYD could rake in between 2.8 billion yuan and 3.6 billion yuan in net profit in the six months ended June 30, up 138.59 to 206.76 percent annually, the Shenzhen-based company said on Sunday.

  比亚迪中报利润或增两倍：7月17日，比亚迪发布业绩预告，净利润预计实现大幅增长。公司预计2022年上半年实现归母净利润28亿元至36亿元，半年利润或接近去年全年，同比增长138.59%-206.76%。

• Three state-owned airlines predicted a record high of loss of at least 46 billion yuan in the first half of this year, greater than the total loss in 2021. Air China predicted the highest loss from 18.5 billion to 21 billion yuan, followed by China Eastern Airlines, from 17 billion yuan to 19.5 billion yuan, and China Southern Airlines from 10.2 billion yuan to 12.1 billion yuan. The carriers attributed the loss to the repeated flareups of COVID-19, the rising cost of fuel and oil and the depreciation of the yuan, which increases the pressure on costs.

  三大航司上半年共预亏超460亿：7月15日晚间，多家航司纷纷发布2022上半年度业绩预亏公告，三大航空巨头均超过去年全年亏损额。其中国航上半年预亏损185亿元-210亿元，南航空预亏102亿元-121亿元，东航预亏170亿元-195亿元。以上述亏损最小值计算，三家航空公司合计亏损约460亿元。关于亏损的原因，多家航空公司普遍表示，存在疫情反复、油价高企、汇率波动等多因素。

• Liaoning Fangda Group, which took control of HNA Group’s core airline operations as part of the conglomerate’s restructuring, is seeking an emergency loan of 20 billion yuan from the Hainan provincial government and billions more in financial assistance, media reported Friday. Hainan Airlines Holding expected to see a wider net loss of 11.95-12.96 billion yuan in the first six month, HNA’s flagship carrier reported Thursday.

  ST海航上半年预亏逾119亿元：据报道，近期方大集团多次给海南省打报告，提出资金援助要求，包括协调200亿元应急贷款、海南省政府注资等。14日，ST海航发布业绩预告称，预计2022年上半年归属于上市公司股东的净亏损为119.5亿—129.6亿元。而2021年同期，ST海航归属于上市公司股东的净亏损为8.81亿元。

金融市场消息

• China's national carbon market celebrated its first anniversary of online trading in Shanghai on Friday, with the cumulative trading volume reaching 194 million tons and a turnover of 8.5 billion yuan, data released by the Shanghai Environment and Energy Exchange (SEEE) showed.

  全国碳市场交易一周年：7月16日，全国碳排放权交易市场上线交易一周年，上海环境能源交易所在当日下午举行的“2022中国国际碳交易大会”上，宣布启动碳价格指数开发工作。数据显示，截至2022年7月15日，全国碳市场配额累计成交量1.94亿吨，累计成交额近85亿元。

• Beijing offers 100 million yuan worth of dining consumption vouchers to all Beijing citizens starting today, which is jointly funded by the government and platform enterprises providing catering services. Customers could enjoy discounts of up to 30 yuan each order for both dinning in and takeaways, together with special coupons targeting the elderly and the disabled.

  北京发放1亿元餐饮消费券：北京市商务局17日表示，为加快北京全市餐饮消费回暖，18日起面向全市消费者发放“重逢美好”餐饮消费券，由政府和提供餐饮类服务的平台企业共同出资，推出外卖类、到店类、养老助残类三种消费券累计1亿元。本次活动预计覆盖线上线下各类餐饮商户超7万家，首批消费券将通过建行生活、美团、饿了么等平台发放。

股市收盘情况

• Chinese stocks rose on Monday after the central bank vowed to increase the implementation of prudent monetary policy to support the real economy. At the close, the benchmark Shanghai Composite edged up 1.55 percent and the Shenzhen Component gained 0.98 percent. Hong Kong’s Hang Seng index rose 2.7 percent and the TECH index was up 3.02 percent.

  周一A股三大指数集体收涨。截至收盘，沪指涨1.55%，深成指涨0.98%，创指涨1.44%。板块方面，一体化压铸概念、环保、油气板块涨幅居前。 港股恒生指数收涨2.7%，恒生科技指数收涨3.02%。

Biz Word of the Day

财经词汇划重点

• Net portfolio valueis the present value of expected cash inflows from existing assets, minus the present value of expected cash outflows from existing liabilities, plus the present value of net expected cash inflows from existing off-balance sheet contracts. Also called market value of portfolio equity.

  投资组合净值是指证券投资组合的净值，投资组合净值=公司资本金＋法定公积金＋资本公积金＋特别公积金＋累积盈余－累积亏损，净值基本反映了公司经营和财务状况，因此可作为测算股票真值的主要依据。

Executive Editor: Sonia YU

Editor: LI Yanxia

Host: Stephanie LI

Writer: Stephanie LI, Jia Yuxiao, Zeng Libin

Sound Editor: Zeng Libin

Graphic Designer: ZHENG Wenjing, LIAO Yuanni

Produced by 21st Century Business Herald Dept. of Overseas News.

Presented by SFC

编委: 于晓娜

策划、编辑：李艳霞

播音：李莹亮

撰稿：李莹亮、贾雨逍、曾丽镔

音频制作：曾丽镔

设计：郑文静、廖苑妮

21世纪经济报道海外部 制作

南方财经全媒体集团 出品

（作者：李莹亮 编辑：李艳霞）