Heavy response!About the "insurance diplomacy", shadow banking, financial stability guarantee fund ... What did the China Banking Regulatory Commission say?

Our reporter Su Xiangyi Yang Jie on July 21, the State Council's Journalism Office held a press conference. The operation and development of the insurance industry, and on the disposal of high -risk "shadow banks", "insurance transmission", the promotion work of village and township banks, the reform of small and medium -sized banks, the implementation rules of the personal pension system and the progress of the supporting system, and other hot issues. Again. The CBRC spokesman and director of the Regulations Department said that since this year, the China Banking Regulatory Commission has made every effort to support the stabilization of the macroeconomic market, strive to prevent resolving financial risks, continuously deepen the structural reform of financial supply side, and promote high -quality development of the banking insurance industry to achieve high -quality development Essence First look at a set of data announced at the meeting: 1. In the first half of this year, RMB loans increased by 919.2 billion yuan year -on -year. Bank insurance institutions added bonds to invest 6.6 trillion yuan, an increase of 3.3 trillion yuan year -on -year; Small and micro loans increased by 22.6%year -on -year, and comprehensive financing costs continued to decline; supporting moderate advancement of infrastructure construction, infrastructure loans increased by 2.6 trillion yuan in the first half of the year; promoting continuous recovery of consumption, residents' consumer loans increased by 158.9 billion yuan. 2. The growth rate of scientific research and service industry loans exceeded 30%; manufacturing loans in the first half of the year increased by 3.3 trillion yuan, an increase of 1.6 trillion yuan year -on -year, of which the high -tech manufacturing industry increased by 28.9%year -on -year; Trillion yuan. 3. In the first half of the year, the non -performing assets were disposal of 141 trillion yuan, and the number of disposal of 219.7 billion yuan was disposed year -on -year. The cover coverage rate is 203.8%and the capital adequacy ratio is 14.87%. At present, the average comprehensive payment capacity of insurance companies is 224.2%, which maintains a strong risk resistance. 4. The basic framework of the financial stability guarantee fund was initially established, and the first batch of 64.6 billion yuan of funds was raised in place; continuously strengthened the management of bank insurance institutions, carried out special rectification of equity and affiliated transactions. ; Standardize the development of the third pillar of pension insurance, the pilot area of ​​exclusive commercial pension insurance expands to the whole country, and the amount of pension financial management subscription exceeds 60 billion yuan. Effective supply of real economy funds will strengthen the steady growth of the weak link, Ye Yanfei, the head of the Financial Services CIRC Policy Research Bureau, said that under the pressure of steady growth, the China Banking Regulatory Commission has introduced a number of refined practical policies and measures around a set of policies for solid economy. , Effectively promote bank insurance institutions to improve the quality of the real economy. It is mainly reflected in: the effective supply of funds in the real economy has grown steadily. In the first half of this year, RMB loans increased by 13.68 trillion yuan. At the same time, optimize the arrangement of the equity assets of insurance companies, and provide supporting support for direct financing in various ways. The balance of insurance funds at the end of June reached 24.46 trillion yuan; supporting the effectiveness of employment in enterprises to keep the employment of enterprises; continuously optimizing financial services in key areas; The results of helping poverty alleviation and rural rejuvenation are significantly achieved. At the end of June, the balance of agricultural loans was 47.1 trillion yuan, an increase of 13.1%year -on -year; and active progress in helping companies and individuals in difficulties. Regarding the next work, Ye Yanfei said that one is to promote the improvement of financial supply and quality and efficiency, and continue to meet the effective financing needs of the real economy; the second is to strengthen financial services Supporting and stimulating new momentum of economic development; fourth, support the construction of infrastructure and major projects, and help expand effective investment; fifth is to focus on dredging the national economic cycle blocking point and support the construction of a new development pattern. Continue to prevent strictly preventing the "Shadow Bank" rebound back and recovering, all financial activities have been incorporated into regulatory disassembly high -risk "shadow banks", which has always been the focus of the China Banking Regulatory Commission's work in recent years. Liu Zhongrui, the person in charge of the Statistics and Risk Monitoring Department of the Banking Insurance Regulatory Commission, said that due to factors such as financial architecture, financial deepening, and supervision policy orientation, my country's high -risk "shadow bank" shows different characteristics from other global economies. It is mainly reflected in credit -like. The "Shadow Bank" of credit -like "shadow banking" is the essence of loans, but it is not regulated according to loans, and the transparency is low. The operation of the capital pool is the biggest risk hazard of the "Shadow Bank". Liu Zhongrui said that after unremitting efforts, my country's "shadow banking" of China -like "shadow banking" has dropped by more than 25 trillion yuan compared with historical peaks, and the barbaric expansion momentum has been curbed. As of the end of June, the banking industry's wealth management had dropped by more than 6 trillion yuan at its peak to about 10 billion yuan. Trust loans have decreased by 39 trillion yuan compared with the beginning of the year, and investment in specific destinations of banking industry has remained declining. "These work progress has been highly evaluated by market institutions. Some international organizations believe that China's determination to reduce 'shadow banks' risks exceeds expectations and fundamentally maintains the stability of the financial system." Liu Zhongrui also said that he must also maintain enough soberness, and it must be awake enough. Affected by the complex situation at home and abroad, the downward pressure on the economy gradually mapped to the financial field, showing the characteristics of new and old problems. Some financial products are complicated, with high leverage levels and hidden financial risks. High -risk "Shadow Bank" may also change the head and face with the so -called "innovation" banner.

In the next step, the CBRC will continue to strictly prevent the rebound of "shadow banks" in the category of credit. It is strictly forbidden for multi -layer nested investment, short -term funds, desertation to false financial innovation, etc., and all financial activities are included in supervision. Regulatory standards, establish standards such as "shadow banking" risk classification, risk weights, and capital allocation.房地产信贷整体运行平稳将引导金融机构市场化参与风险处置在房地产行业发展方面，刘忠瑞表示，银保监会始终坚持“房子是用来住的，不是用来炒的”定位，紧紧围绕“稳地价、 The goal of stabilizing housing prices and expectations ", implement the requirements of long -term real estate mechanisms, and promote the steady and healthy development of the real estate market. In June, real estate loans added 200.3 billion yuan, and the overall operation of real estate credit was stable. The main measures and tasks include: ordering the real estate industry in an orderly manner. Under the premise of implementing real estate finance prudential management, guide bank insurance institutions to do a good job of financial services for real estate and construction industries. In June, real estate development loans added 52.2 billion yuan. Professional advantages, cooperate with relevant parties to do a good job of "keeping diplomatic relations, protecting people's livelihood, and stable" financial support. Meet the reasonable demand for house purchase. In conjunction with the People's Bank of China, the interest rate of the first set of housing loans was reduced by 20 basis points to guide banks to improve the efficiency of mortgage loan approval. At present, the speed of lending has reached the fastest since 2019. Support the development of the housing rental market. The current housing rental related loans increased by 62.9%over the same period last year. In addition, differentiated housing credit policies are implemented. In the next step, the China Banking Regulatory Commission will maintain the continuity and stability of the real estate financial policy, strengthen communication with relevant departments, maintain the stable and orderly real estate financing, support the commercial housing market to better meet the reasonable housing needs of buyers, guide the marketization of financial institutions to participate in participation Risk disposal. In addition, on June 30, a real estate in Jingdezhen, Jiangxi caused public opinion due to extension of the house. Liu Zhongrui said that the CBRC attaches great importance to this and actively strengthens the coordination with departments such as the Ministry of Housing and Urban -Rural Development, the People's Bank of China and other departments, and supports localities to more strongly promote the work of "keeping diplomatic relations, protecting people's livelihood, and stable stability". Under the overall framework of the work arrangement of the local party committee and government, guide banks to actively participate in relevant working mechanisms, cooperate with compacting enterprises, shareholders and other parties to follow the principle of marketization and rule of law, and actively participate in reasonably solving funds for hard work hardships. Research on the gap scheme, do a good job of credit delivery, assist in promoting the rapid resumption of work, early resumption of work, and delivery early. At the same time, guide banks to do a good job of customer service, strengthen communication with customers, and protect the legitimate rights and interests of financial consumers in accordance with the law. The relevant risk disposal work of 5 village and township banks in Henan and Anhui is steadily promoting the Xiangxiang stated that after the outbreak of the five villages and town banks in Henan and Anhui, the CBRC has repeatedly stated that it is necessary to strictly follow the law and regulations, based on facts, and laws as the basis. The criterion is processed. The CBRC has clearly been protected by national laws in accordance with laws and regulations. This morning (July 21) Henan and Anhui have issued an announcement, starting the second batch of pads for the principal of the customer of less than 100,000 yuan. At present, related work is steadily promoting. At the same time, in order to ensure the authenticity of the information, the two provinces have established a new customer information registration system and are currently being registered for customers. Because of the large number of people involved, the workload is relatively large, and it is necessary to cross -check the background data. This work is a process of gradual progress. In the next step, the CBRC will continue to actively cooperate with the local party committee and government to dispose of risks in accordance with laws and regulations. Solidly promoting the overall operation of small and medium -sized banks' reform insurance stable and controllable risks. At present, the total assets of small and medium -sized banks are 96 trillion yuan, accounting for 29%of the total assets of the banking industry. Among them, small and medium -sized bank loans and small and micro enterprise loans accounted for 39%and 46%of the banking industry, respectively. They have made positive contributions to serving private, small and micro, to serve communities, promote rural revitalization, and make positive contributions to support the high -quality development of the national economy. For various historical reasons, small and medium -sized banks have also accumulated some risks and received widespread concern in society. Since the beginning of this year, the China Banking Regulatory Commission has firmly grasped the general tone of steady progress and solidly promoted the reform of small and medium -sized banks. Mainly carried out the following aspects: First, improve corporate governance. Promoting the organic integration of the party's leadership and corporate governance, most small and medium -sized banks have established a "two -way entry and cross -service" leadership system; the second is to promote deepening reforms. Promote the reform of rural credit cooperatives in depth, accelerate the reform process in accordance with the principles of "one province and one policy" in accordance with local conditions; third, steadily promoting risk disposal. Continue to arrange the actual risk of small and medium -sized banks, and vigorously promote the disposal of non -performing assets. In the first half of the year, small and medium -sized banks dispose of 594.5 billion yuan in non -performing loans, which were disposed of 118.4 billion yuan in the same period last year; fourth, multi -channel supplementary capital. "Overall, the overall operation of small and medium -sized banks in my country is stable, and the risks are controllable." Xiang Xiang said that in response to the risk issues exposed by individual institutions, the CBRC will adhere to the supervision of the people and promote the risk disposal of small and medium banks in an orderly manner. , Effectively ensure the security of the people's financial property. The policy of formulating small and medium -sized banks to deal with non -performing assets urges them to strengthen the quality management of assets Liu Zhongrui. In the first half of this year, the quality of the assets of my country's banks maintained a stable trend as a whole, and the risks were generally controllable.

At the end of the second quarter, the balance of non -performing loans of commercial banks was 2.95 trillion yuan, an increase of 106.9 billion yuan from the beginning of the year, and a non -performing loan rate of 1.67%, a decrease of 0.06 percentage points from the beginning of the year. The banking financial institutions continued to increase the disposal of non -performing assets. The cumulative non -performing assets in the first half of the year were close to 220 billion yuan from the same period of the previous year. In the next step, the CBRC will take care of the relevant support policies, in -depth research and analysis of risks, properly respond to the rebound of non -performing assets, and continue to urge banks to strictly implement the risk of financial assets and categorize them. In conjunction with the relevant departments, the policy arrangements for the disposal of non -performing assets are continuously optimized, the disposal channels are expanded, the scope of the pilot scope of non -performing loan transfer and batch personal non -performing loan transfer is expanded, and the banks are used to use high -allocating advantages to increase the treatment of non -performing assets. At the same time, actively integrated with relevant departments to accelerate the work of special bonds to supplement the capital of small and medium banks, formulate policies and measures for small and medium -sized banks to dispose of non -performing assets, and urge small and medium banks to strengthen asset quality management and increase bad disposal. Personal pension -related supporting policies have sought opinions within a certain range. Regarding the regulating the third pillar pension insurance of the party, the Party Central Committee and the State Council have made clear deployment. On the one hand, the Ministry of Human Resources and Social Security and the Ministry of Finance study the implementation rules and supporting systems of personal pension systems, and strive to promote the implementation of the personal pension system as soon as possible. At present, the relevant supporting policies have been solicited within a certain range, and they will soon be introduced in the near future. The specific time to introduce should also be determined depending on the overall work progress of the personal pension system. On the other hand, the China Banking Regulatory Commission is focusing on regulating and promoting the development of commercial pension financial business, and steadily promoting the pilot of product innovation. In the next step, these pilot experience will be summarized in a timely manner to promote the normal development of this work. In the future, more eligible institutions will also be allowed to carry out operations, so that the results of the reform will benefit more people. Photo | Guoxin Office Official Website Production | Zhang Xin Nucle

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