CBRC: Implementation of real estate finance and prudent management system

Xinhua News Agency, Beijing, August 12th: The effective supply of the real economy of the real economy is stable and stable. The overall operation of the banking industry is steadily.

Xinhua News Agency reporter Li Yanxia

The China Banking and Insurance Regulatory Commission held a news ventilation on the 12th to respond to hot issues such as the development of the real economy, the reform of small and medium -sized banks, and the guarantee of diplomatic relations.

Effective supply of real economy funds grow steadily

The person in charge of the relevant departments of the CBRC said that in the first half of the year, the CBRC guided banking institutions to increase credit investment, and the effective supply of real economic funds increased steadily.

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.

In terms of serving small and micro enterprises, the balance of small and micro enterprise loans at the end of June was 55.8 trillion yuan, of which the balance of inclusive small and micro enterprise loans was 2.177 trillion yuan, an increase of 22.64%year -on -year, which was significantly higher than the growth rate of various loans. The number of households was 36.81 million, a year -on -year increase of 7.1 million.

Financial services in key areas are continuously optimized. In the first half of the year, manufacturing loans increased 3.3 trillion yuan, an increase of 1.6 trillion yuan year -on -year. Support moderately advanced infrastructure construction, and at the end of June, infrastructure construction loans increased by 11.1%year -on -year.

The person in charge of the relevant departments of the CBRC said that the next step will continue to guide banking institutions to increase credit support, strengthen financial services for weak links, increase infrastructure construction credit investment, further enhance manufacturing financial services Great support for social undertakings such as education, medical care, and pension.

The overall operation of the banking industry is stable

The person in charge of the relevant departments of the CBRC said that at present, my country's banking industry is operating steadily, risk resistance has continued to increase, bank industry capital and preparation levels are sufficient, and the overall asset quality has maintained a stable trend.

The person in charge stated that in order to further promote the disposal of non -performing assets for small and medium -sized banks, the CBRC, together with the Ministry of Finance and the People's Bank of China, carefully studied relevant support policies, and initially considered the pilot work to support 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, and classify the quality of real assets, and further increase the disposal of non -performing assets according to local conditions and categories.

Data show that as of the end of June 2022, there were 1,648 village and township banks across the country, with a proportion of 66%in the central and western regions and 68%of the county coverage.

The person in charge of the relevant departments of the CBRC said that in the past few years, under the influence of the bad atmosphere of the industry, some village banks were greedy for the ocean, deviated from the main business, carried out the bill business, large credit, different credit credit, and the development of third -party Internet platforms. Deposit and loan business. Regarding these chaos in the market, the China Banking Regulatory Commission carried out special rectification. Village bank bill business accounted for the proportion of total assets, large loans accounted for a significant decline in the proportion of various loans. Internet loans have basically cleared, and Internet deposits have fallen sharply. At present, village and township banks across the country are running smoothly.

According to reports, 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.

The person in charge said that the five village and township banks of Henan and Anhui were controlled by illegal shareholders. They absorbed illegally possessing public funds through collusion and use of third -party platforms and funding passengers through internal and external methods. The funds absorbed by the village banks have not paid the deposit reserve and the deposit insurance premiums are not paid. According to the evidence currently held, most of the ordinary customers of out accounting business are unaware and do not know about the suspected criminal behavior of New Wealth Group. In order to ensure the steady implementation of the advancement work, the method of paying in batches will be adopted to pay for ordinary small customers.

According to the person in charge, since July 11, Henan and Anhui have issued 4 announcements, which are less than 50,000 yuan, 50,000 yuan to 100,000 yuan, 100,000 yuan to 150,000 yuan, 150,000 yuan to 250,000 yuan to 250,000 yuan to 250,000 yuan to 250,000 yuan. Yuan's clients implement the mat. As of the evening of August 11, a total of 436,000 households and 18.04 billion yuan had been paid. The cushion rates of customers and funds were 69.6%and 66%, respectively. The progress was generally smooth.

Implementation of real estate finance prudent management system

The person in charge of the relevant departments of the CBRC said that the CBRC strengthened the coordination with the Housing, Urban -Rural Development, the Ministry of Urban and Rural Construction, the People's Bank of China and other departments, and actively studied and promoted the work of "preservation of the building and stabilizing the people's livelihood". Coordinated to promote 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.

The person in charge said that the Banking Regulatory Commission actively guided the bank to actively participate in the research of solution to the hard gap in the hardware of funds under the orderly arrangement of cooperating with the local government to compact the responsibilities of all parties, do a good job of credit delivery with conditions, and do everything possible Building, stabilizing people's livelihood ". At the same time, it guides banks to safely implement the prudent management system for real estate and finance, adhere to the control of risks, and steadily seek progress.

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