The latest progress such as village and township banks, insurance diplomatic buildings, etc., the CBRC's ventilation talks

12.08.2022

Number of this text: 3191, the reading time is about 5 minutes older

Introduction: As of the evening of August 11, a total of 436,000 households and 18.04 billion yuan have been paid. Customers and funds are 69.6%and 66%, respectively.

Author | First Finance Du Chuan

What are the new progress of the risk disposal of village and township banking? What is the risk of more than 1,600 villages and towns in the country? How will the financial management department support the insured property after the conference of the Political Bureau of the Central Committee? What are the new actions of small and medium banks to deal with non -performing loans?

On August 12, the CBRC held a ventilation meeting to respond to recent hot issues. The focus of the first financial reporter combed the focus as follows:

No other village banks have existed or held in other villages and towns

Internet deposits illegally absorbed outside the account

Since July 11, Henan and Anhui have issued 4 announcements, which have implemented paid for customers of less than 50,000 yuan, 50,000 to 10,000 yuan, 100,000 to 150,000 yuan, and 150,000 to 250,000 yuan, respectively.

The person in charge of the relevant departments of the CBRC said that as of the evening of August 11, a total of 436,000 households and 18.04 billion yuan had been paid, and the cushion rates of customers and funds were 69.6%and 66%, respectively.

According to reports, the five village and township banks of Henan and Anhui are controlled by illegal shareholders. They absorb illegally possessing public funds through collusion with illegal shareholders, using third -party platforms and capital crickets. They have bad nature and are suspected of serious crimes. The funds absorbed by the village banks have not paid the deposit reserve and the deposit insurance premiums are not paid.

At present, the funds have been carried out in the fourth batch, and some new situations have occurred during the mat. A total of 147,000 customers have not been registered. In addition to long -term sleeping households (account amount below 100 yuan), there are also a small amount of suspicious accounts. These customers may be deceived and wrapped by criminals. Essence

Regarding whether other village banks have similar risks, the person in charge also introduced that there are currently 40 village banks to absorb Internet deposits in the account, with a balance of 3.9 billion yuan. Except for Henan and 5 village and township banks in Henan and Anhui, no other village and towns banks have been found or holding an illegally absorbing Internet deposit in other villages and towns.

As of the end of June 2022, there were 1,648 villages and towns banks across the country, with 66%in the central and western regions, and a county coverage rate of 68%. The total assets are 2.2 trillion yuan, the total liabilities are 2 trillion yuan, the loan balance is 1.4 trillion yuan, and the balance of deposit is 1.8 trillion yuan.

The person in charge said that at present, village and township banks across the country are generally operating smoothly, asset quality is slightly better than the average level of small and medium -sized banks in the country, abundant liquidity, and completely controllable risks.

Choose 6 provinces to carry out local small and medium banks

Accelerate the handling of non -performing loans pilot work

According to data from the China Banking Regulatory Commission, in the first half of the year, a total of 670 billion yuan of non -performing assets of small and medium -sized banks across the country was 164 billion yuan year -on -year; 34 small and medium -sized banks were approved to be merged and reorganized; Bank capital.

At present, my country's banking industry is generally operating steadily, risk resistance has continued to increase, banking capital and preparation levels are sufficient, asset quality has maintained a stable trend as a whole, and risks are generally controllable. At the end of the second quarter, the capital adequacy ratio of commercial banks was 14.87%, and the cover coverage rate was 203.8%; the non -performing loan ratio was 1.67%, a decrease of 0.06 percentage points from the beginning of the year. At the same time, the outlook on the international rating agency's outlook on the Chinese banking system is stable or positive.

The person in charge of the relevant departments of the CBRC said that in order to further promote small and medium -sized banks to accelerate the disposal of non -performing assets, improve risk resistance, and better serve the development of the real economy. Carry out the pilot work that supports local small and medium -sized banks to accelerate the disposal of non -performing loans. The pilot work will adhere to the principle of marketization of the rule of law, actively play the role of local governments, compact the responsibility of small and medium banks, do real asset quality classification, and further increase adverse disposal efforts according to local conditions and categories.

The reform insurance plan is studying the financial asset management company

The progress of China Huarong Slimming Insurance has always been the focus of market attention.

In recent times, the CBRC, together with relevant departments, has actively guided Huarong Company to carry out risk disposal work in accordance with the principles of marketization and rule of law. Introduced five strategic investors including CITIC Group to complete 42 billion yuan in capital increase, and the equity structure was optimized.

The person in charge of the relevant departments of the CBRC said that Huarong Company has resolutely promoted a slimming body and successfully transferred 4 financial subsidiaries. During the entire risk disposal process, Huarong Company redeem all domestic and foreign financing in accordance with the law. The group's liquidity remains stable. As a 1.8 trillion -scale financial group, Huarong Corporation can be handled smoothly without a large -scale risk overflow.

Talking about how to guide financial asset management companies to return to its origin, focus on the main business, exert the function of reverse cycles, and continue to increase support for financial and physical enterprises' risk resolution.

The above -mentioned person in charge stated that the first is to focus on the main responsibility and increase the disposal of non -performing asset acquisitions. At present, five financial asset management companies acquire non -performing assets of financial institutions accounting for more than 80%of the scale of the bank industry in batches, and they are still the main force of non -performing asset acquisitions. Housing enterprises, cooperating with local governments to "keep transportation and keep people's livelihood", ensured 26,996 commercial houses for delivery on schedule, and resolved 55 million yuan in arrears of migrant workers' salary. The person in charge emphasized that in the next step, the China Banking Regulatory Commission will continue to increase its efforts to regulate the work, guide financial asset management companies to deeply understand the political and people's nature of financial work, and resolutely do a good job of inspection and rectification. , Persist in adhering to positive innovation and actively engaged in the tackling tasks such as risk resolution of small and medium -sized financial institutions.

"I will work with relevant departments to study the reform of the financial asset management company to reform the insurance plan to promote the industry to achieve high -quality development." The person in charge revealed.

Financial support of insurance diplomatic relations

After the meeting of the Political Bureau of the Central Committee mention the insurance, and emphasized that the responsibility of the local government is emphasized, the market pays special attention to the follow -up real estate policies.

The person in charge of the relevant departments of the CBRC said that in the next step, it will strengthen work with all parties, cooperate with actively promoting the work of "preservation of transportation, stabilizing people's livelihood", do a good job of relevant financial services in accordance with laws and regulations, and promote the virtuous cycle of real estate industry and healthy development.

First, in the work of "protecting the buildings and stable people's livelihood", "do his best and keep the position". The CBRC strengthens the coordination with departments such as the Ministry of Housing and Construction, the People's Bank of China and other departments to actively study and promote the work of "preservation of buildings and stabilizing people's livelihood". Promote the implementation of local responsibilities, and under the overall framework of the relevant work arrangements of the local party committee and government, find out the situation, seeking truth from facts, scientific classification, and precise policy.

Second, financial support is "in place." For financial support for the payment of payment, the Banking Insurance Regulatory Commission actively guided the bank to actively participate in the research on the solution of the hard gap in the hard gap in funding to cooperate with the orderly arrangement of the local government to compact the responsibilities of all parties, do a good job of conditional credit, and do everything possible to promote the " Inspection of intersection, stabilizing people's livelihood. "

Third, the prevention and control of financial risks is "no shortage of position". The CBRC guides banks to implement the prudent management system of real estate and financial and financially, adhere to the control of risks, and steadily seek progress.

Liaoning SMB Reform Insurance is progressing smoothly

Regarding the reform of Liaoning SMB, since this year, the Liaoning Provincial Party Committee and Provincial Government has vigorously promoted the reform of small and medium -sized banks and has made progress smoothly.

According to the person in charge of the relevant departments of the CBRC, the province's cumulative disposal of small and medium -sized banks with a total of 325 billion yuan in non -performing assets, and the issuance of special bonds supplemented the capital of small and medium -sized banks. Promote the disposal of Liaoyang Agricultural Commercial Bank and Princehe Village Bank in accordance with laws and regulations. On July 2, Shenyang Rural Commercial Bank successfully undertaken the outlets, personnel and deposits of Liaoyang Rural Commercial Bank, Edward Heshen Town Bank. At present, the business outlets are normalized, and the business is handled normally. The security of funds and transaction security are not affected by any. The equity of the depositors and other creditors has been fully protected. All asset -liabilities of Liaoyang Rural Commercial Bank and Princehe Village Bank have been clarified and properly handled in accordance with the law.

The person in charge said that in the next step, it will adhere to the stability of the word and seek progress in stability, and continue to follow the overall requirements of "stable overall situation, coordinating coordination, classification of strategies, and precise bomb disassembly". Deepen reform, continue to improve the effectiveness of supervision, take multiple measures, enhance the strength of small and medium -sized banking institutions and resist risks, and better serve the high -quality development of the national economy.

Six aspects to stabilize the macro economy

In response to the continuous economic downward pressure, the Central Political Bureau meeting clearly stated that the general requirements of "the epidemic should be defended, the economy must be stabilized, and the development should be safe". Consumption, fully support the real economy, and stabilize the macroeconomic market.

Data show that in the first half of the year, RMB loans increased by 13.68 trillion yuan, an increase of 919.2 billion yuan year -on -year. Policy development banks and large state -owned bank loans have a lot of investment. Among them, policy development bank loans have increased by 1.52 trillion yuan compared with the beginning of the year, and large bank loans have increased by 6.8 trillion yuan from the beginning of the year.

The person in charge of the relevant departments of the CBRC said that they will continue to adhere to the general tone of the work of steady progress, complete the new development concepts in complete, accurate, and comprehensively, accelerate the establishment of a new development pattern, focus on promoting high -quality development, and effectively enhance the political and people of financial work. Sexuality, continue to guide banking agencies to increase credit support, consolidate the trend of economic recovery to a good trend, maintain economic operation in a reasonable range, and strive to achieve the best results. The first is to improve political standing, promote the improvement of quality and efficiency of financial supply, and further increase the support of the real economy. The second is to strengthen financial services for weak links, carry out in -depth help to help enterprises, and alleviate the tension of the capital chain of small and medium -sized markets. The third is to support increasing the credit investment in infrastructure construction and help expand effective investment. The fourth is to further enhance the financial services of manufacturing and meet the needs of high -quality development in the manufacturing industry. Fifth, strengthen financial services for new citizens, and focus on solving the problem of the current financial services of new citizens and relatively insufficient financial supply. Sixth, innovative financial services, increase support for social undertakings such as education, medical care, and pension.

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