Multi -institutional dense deployment brings together more financial resources to grow steadily

Source: Economic Reference News Author: Zhang Mo Xiangjiaying

"Exercise forward to introduce more financial water for the real economy", "Increasing the service of the real economy", "accelerating the high -quality credit of credit" ... Recently, the keywords of various banks in the 2022 year of 2022 revealed that the financial industry in the second half of the year The focus of work.

According to the signal released by the meeting, the banking industry will continue to make efforts around the "steady growth" and further increase credit. For key areas and weak links such as infrastructure, inclusive small and micro, and technological innovation, financial resources will also further further. Gathering. In addition, it has also become an institutional consensus while making its own stable operation and strengthening risk prevention and control.

In the first half of the year, my country's financial industry's support for the real economy became more stable. Data show that in the first half of the year, RMB loans were added 13.68 trillion yuan, an increase of 919.2 billion yuan over the same period last year; the number of new social financing scale was 21 trillion yuan, an increase of 3.2 trillion yuan over the same period last year. The financial management department recently deployed the work in the second half of the year. The annual meeting of the People's Bank of China proposed to maintain a smooth and moderate growth of monetary credit. The CBRC work conference also requires that the stable macroeconomic market is placed in a more prominent position to better play the role of financial counter -cyclical regulation, and fully implement the policy measures to stabilize the economy.

"In the second half of the year, consolidating the economic recovery trend requires good financial support. For the banking industry, loans to the real economy still need to increase loans and maintain smooth loans." Post -storage bank researcher Lou Feipeng said. Ren Tao, a special researcher at the National Financial and Development Laboratory, also believes that the bank's credit investment needs to continue to conform to the policy orientation, and it is basically consistent with the rhythm of the real economy in terms of credit.

It is worth noting that "major projects", "manufacturing", "scientific and technological innovation" have become high -frequency words deployed by financial institutions such as banks, and the support for small and medium -sized and micro market entities in key areas has also penetrated each other through each One of the main lines of home institutions in the second half of the year.

Agricultural Bank of China in the middle of 2022 (video) meeting in the middle of 2022 proposed that "efforts to do a good job in key areas such as major infrastructure projects, manufacturing, scientific and technological innovation, and green development." Science and technology finance, energy finance, automotive finance, park finance and other new tracks have taken greater steps. "

Taking the field of infrastructure as an example, infrastructure construction is a "cockpit stone" of stable investment, which effectively exerts the leading role of developing finance in the field of infrastructure investment and financing. Policy and development financial instruments are used to supplement major project capital or bridge the capital of special debt projects.

"Do a good job in the operation of infrastructure funds to put into operation and form a physical workload as soon as possible." Guohuang pointed out. On July 22, China Kaikai Infrastructure Fund Co., Ltd. contributed 1.307 billion yuan to support Shanxi Lishi to Xixian County Engineering Project and Henan Anyang Henan Airport Project in Hobei National Expressway in Shanxi Province. The first batch of launch completed after the company was established.

Focusing on key areas such as scientific and technological innovation and manufacturing, many banks will also increase their efforts to support the development of small and medium -sized and micro markets to meet their financing needs. The Bank of China launched a special event for "Manufacturing and Promoting the Country and Westing Power". From August 1st to November 30th, it takes the manufacturing small and micro enterprises as the target group, focusing on expanding advanced manufacturing and its upstream and downstream related markets. Based on the economic characteristics of the Bank of Communications combined with the economic characteristics of different regions, the characteristics of small and micro enterprises in small and micro enterprises in specific scenarios such as science and technology innovation are customized.

The Law of the People's Bank of China released the "China Monetary Policy Implementation Report in the Second quarter of 2022" pointed out that "looking forward to the future, credit growth will be compatible with my country's economy from high -speed growth to high -quality development processes. "

Ren Tao also said that banks should increase the tilt of key areas, weak links, and shortcomings to achieve stable credit while optimizing the credit structure. At the same time, increasing credit for credit for the real economy needs to be based on the full research and judgment of the internal and external situations and the effective analysis of the industry, enterprises, and regions, and grasp the word "moderate".

People in the industry generally believe that while the banking industry increases its support for the real economy, it is necessary to maintain its own stable operation. "On the one hand, banks need to balance the management capabilities of assets and liabilities, continue to optimize the liability structure under the background of the overall interest rate, stabilize the cost of liabilities, and maintain stable interest margins. The disposal of assets ensures stable asset quality, "said Liang Si, a researcher at the Bank of China Research Institute.

Looking back at the first half of the year, in terms of risk prevention and control, according to the data released by the CBRC, the banking industry disposes 1.41 trillion yuan of non -performing assets, which is 219.7 billion yuan year -on -year. Continuously dropped the high -risk shadow banking business. In the first half of the year, the total entrusted loans and trust loans were reduced by 380.6 billion yuan. Looking forward to the second half of the year, a number of banks deployed "continuing to fight the risk prevention and control of the tough battle". CITIC Bank included the "strengthening risk prevention and control of key areas and stabilizing the basic asset quality" in the second half of the year. Industrial Bank said that in the second half of the year, the quality control of assets was continuously strengthened and the long -term mechanism of internal control compliance was continuously improved.

Ren Tao believes that in the second half of the year, banks should effectively resolve the stock risks by increasing the handling of disposal and enrich the disposal methods in the second half of the year, and the "exit" channels of non -performing assets;Good concentration management, cautiously do the classification of asset risks, and fully accounted for allocation, so that the incremental risk is controlled at the appropriate level."On the one hand, banks must coexist with the real economy. For enterprises with growth prospects but temporarily encounter difficulties, they must promptly promote the repayment of principal and interest to help enterprises pass the difficulty.Realize his own stable operation, "Liang Si said.

(Editor in charge: Wang Qingyu)

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