On the 28th, the reporter learned from the Guiding Opinions on Early Warning and Management of Liquidity Risk of Housing Provident Fund Funds in Guangdong Province issued by the Provincial Department of Housing and Urban-Rural Development that Guangdong will establish an early warning and management system for liquidity risk of housing provident fund funds.
According to the requirements of opinions, through the early warning indicators of individual housing loan rate and net capital flow of housing provident fund, we will comprehensively analyze the capital flow of housing provident fund in time and predict the development trend of supply and demand of housing provident fund loans, and implement early warning in the city as a unit. At the same time, the implementation of early warning classification management. According to the operation of funds and referring to the relevant provisions of the state, 85% of the individual housing loan rate of housing provident fund is set as the critical point of early warning, and it is divided into three early warning levels according to the early warning level: the first warning is that the individual housing loan rate of housing provident fund is between 85% and 90%, and the net flow of funds is negative for three consecutive months; The second warning is that the personal housing loan rate of housing provident fund is between 90% and 95%, and the net flow of funds continues to be negative; The third-level warning is that the personal housing loan rate of housing provident fund is above 95%, and the net flow of funds continues to be negative. When the two early warning indicators of individual housing loan rate and net capital flow meet the conditions at the same time, the corresponding early warning level is triggered.
The opinion calls for early warning and management of capital liquidity risk. The Provincial Department of Housing and Urban-Rural Development has established a monthly housing provident fund system through the relevant data of the housing provident fund statistical information system and other relevant data, carried out analysis on the operation of relevant business indicators, monitored the liquidity risk of housing provident fund funds in various cities, and issued early warning risk tips to urban housing provident fund management committees and housing provident fund management centers when necessary. Municipal housing provident fund management centers should establish and improve the liquidity risk prevention and control mechanism, strengthen the research and judgment on the liquidity risk of housing provident fund funds, formulate the implementation plan for the liquidity risk prevention and control of housing provident fund funds, and take corresponding control measures to prevent and control risks according to the early warning level. When the risk warning is triggered, it should be reported to the housing provident fund management Committee and the provincial competent department in time, and corresponding measures can be taken to prevent and control risks.
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