In 2022, the loans overdue amount of Zhangzhou Provident Fund decreased by 62% year-on-year! Longwen and other six districts and counties achieved zero over-lending.

Personal loan risk preventio

In 2022, the loans overdue amount of Zhangzhou Provident Fund decreased by 62% year-on-year! Longwen and other six districts and counties achieved zero over-lending.

Personal loan risk prevention of housing provident fund is related to the immediate interests of depositors and the smooth operation of housing provident fund, which is an important content to prevent and resolve the risks of real estate market and housing finance. Personal loan risk management is the fundamental guarantee for the stable and healthy development of housing provident fund system.

▲ Zhangzhou Housing Provident Fund Center held a city-wide provident fund meeting to deploy personal loans overdue management of housing provident fund.

0 1, clear thinking and remarkable effect.

Since 20021,Zhangzhou Housing Provident Fund Center has taken the opportunity of the video conference held by the Housing Provident Fund Supervision Department of the Ministry of Housing and Urban-Rural Development to strengthen the management of individual housing provident fund in loans overdue, and put forward the working idea of "setting up a ledger, analyzing the reasons, and making a plan to the end", deployed and promoted the collection of individual loans overdue at the grassroots level, and adopted various measures to strengthen the management of individual housing provident fund in loans overdue. loans overdue has achieved remarkable results. At the end of 20021,the housing accumulation fund in loans overdue decreased by 4 1.24%, and the loans overdue rate of housing accumulation fund decreased by 36.97%.

02. The upgrading measures continue to exert strength.

On the basis of initial achievements, in 2022, the Municipal Housing Provident Fund Center will continue to strengthen the management and deployment of loans overdue, upgrade the tracking and supervision, and further implement the measures of "daily inquiry and tracking, weekly collection". The Housing Provident Fund Credit Management Department will monitor the situation of individual housing provident fund in loans overdue every working day, and strengthen the monitoring and reminding of non-performing loans. City, county (District) provident fund business departments should implement the responsibilities of department heads, urge the first responsible person of overdue loans, arrange special personnel to follow up, and compact the responsibility of entrusted banks to collect overdue loans.

03, classified policy to create new achievements.

Establish a non-performing loan ledger, adhere to the "one thing, one policy", investigate and analyze the reasons one by one, scientifically classify and link with banks, clarify the collection measures for each overdue loan, and take various measures to collect overdue loans, and strive to achieve new success in 2022. By the end of 2022, the loans overdue amount of the city's housing provident fund decreased by 61.95% year-on-year; The loans overdue rate of housing accumulation fund decreased from 0.225‰ at the end of 20021to 0.075‰, a year-on-year decrease of 66.67%. Longwen, Dongshan, Zhao 'an, Hua 'an, Changtai, Zhangzhou Development Zone and other provident fund management departments have achieved zero over-lending.