The China Banking Regulatory Commission responded to the five hot topics: stabilizing the economic market, AMC reform, the reform and development of small and medium banks, the cashier of the village and township bank's funds, and the "insurance delivery building"

21st Century Business Herald reporter Li Yue Beijing report

On August 12, the China Banking Regulatory Commission held a ventilation meeting to conduct hot issues such as the stable development of macroeconomic economic stability, village and town banking, AMC reform and development, pilot of non -performing assets for small and medium -sized banks, and "insured transit". Response.

Support the real economy, stabilize the macroeconomic market

The person in charge of the relevant departments of the CBRC introduced at the ventilation meeting that in the first half of the year, the CBRC coordinated financial services to support the prevention and control of the epidemic and economic and social development. Institutions increase credit investment, promote effective investment and increase 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.

Small and micro enterprises have achieved remarkable results. The loans of large -scale large -scale bank inclusive small and micro enterprises increased rapidly. At the end of June, the balance of loans was 7.91 trillion yuan, an increase of 31.03%year -on -year, and loan households increased by 20.6%year -on -year. Complete the task of "1.6 trillion yuan of newly added inclusive small and micro enterprises this year" formulated by the State Council Executive Council.

Financial services in key areas are continuously optimized. Manufacturing loans increased 3.3 trillion yuan, an increase of 1.6 trillion yuan year -on -year. Scientific research and technology loans increased by 30.6%year -on -year. Support moderate advancement of infrastructure construction. In the first half of the year, energy transportation and water conservancy urban construction loans were added 2.6 trillion yuan. At the end of June, infrastructure construction loans increased by 11.1%year -on -year. Vigorously develop green finance and support energy resources to maintain stable prices. Policy development banks and large bank infrastructure construction loans have accelerated, an increase of 1.97 trillion yuan from the beginning of the year, and the growth rate is higher than the growth rate of various loans.

Strengthen effective progress in financial services for new citizens. Study and formulate financial service measures for new citizens, 22 Banking Regulatory Supervision Bureau issued special support policies with local governments to actively meet new citizens' financial needs in entrepreneurial employment, house purchase, education and training, medical care, and other financial needs. At the end of June 12 trillion yuan.

Personal progress in helping companies help companies. In the first half of the year, banking institutions have applied for the repayment of loans for nearly 1.5 million small and medium -sized enterprises, individual industrial and commercial households, and truck drivers, and the extended amount exceeded 3 trillion yuan.

"In the next step, the China Banking Regulatory Commission will continue to adhere to the general tone of steady progress, complete, accurate, and comprehensively implement new development concepts, accelerate the establishment of a new development pattern, strive to promote high -quality development, and effectively enhance the political and people's nature of financial work. Continue to guide banking agencies to increase credit support, consolidate the trend of economic recovery towards a good trend, maintain economic operation in a reasonable range, and strive to achieve the best results. "The person in charge of the relevant departments of the CBRC said.

I am studying the AMC Reform Insurance Plan in conjunction with relevant departments

"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." Leaders, increase supervision work, guide financial asset management companies to deeply understand the political and people's nature of financial work, resolutely do a good job of inspection and rectification "the second half of the article", focus on the main business, adhere to positive innovation, take the initiative to participate in the risk of small and medium financial institutions Resolve equal tackling tasks.

In recent years, the CBRC has actively guided financial asset management companies to return to its origin, focus on the main business, exert its reverse cycle function, and continue to increase its support for the resolution of financial and physical enterprises. At the same time, the risks of Huarong Company are steadily dealt with and promoted the reform and transformation of financial asset management companies.

The first is to focus on the main business of the main responsibility and increase the treatment and disposal of non -performing assets. At present, five financial asset management companies acquire non -performing assets for 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.

The second is to actively participate in the reform of the small and medium -sized financial institutions and rescue the trapped housing enterprises, and cooperate with the local government to "keep the property and protect the people's livelihood", ensure the delivery of 26,996 commercial houses on schedule, and resolve the wages of 55 million yuan in arrears of migrant workers.

Third, under the strong leadership of the Party Central Committee and the State Council, the CBRC, together with relevant departments, actively and steadily guide Huarong Company to carry out risk disposal 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. Huarong Company has resolutely promoted a slimming body, and successfully transferred four financial subsidiaries. During the entire risk disposal process, Huarong Company redeemed all over -end financing at home and abroad in accordance with the law. Without a breach of contract, the group's liquidity maintained stable.

Village banks' asset quality is slightly better than the average level of small and medium -sized banks

Data show that as of the end of June this year, there were 1,648 village and township 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.

"At present, village and township banks across the country are running smoothly. The quality of assets is slightly better than the average level of small and medium -sized banks across the country. The liquidity is abundant and the risks are completely controllable." The heads of the relevant departments of the CBRC introduced at the ventilation meeting. Regarding the funds of the funds of individual villages and town banks in Anhui and Henan, which are more concerned about, the person in charge of the relevant departments of the CBRC introduced that since July 11, Henan and Anhui have issued 4 issues of 4 issues, respectively. Customers of 100,000 to 150,000 yuan and 15-250,000 yuan are implemented. 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.

"Some new situations have also appeared during the padding process." The person in charge of the relevant departments of the CBRC said that a total of 147,000 customers were not registered. In addition to long -term sleeping households (account amount below 100 yuan), there were a small amount of suspicious accounts. These customers may exist in existence Criminals are deceived and wrapped, and they need to verify information, screening and judging trading behavior. Please do not register the customer to complete the registration.

At the same time, under the influence of the industry's bad atmosphere in the past few years, some village banks are greedy for the ocean, deviating from the main business, illegally carried out billing business, large credit, and credit credit, and the deposit and loan business through third -party Internet platforms. The person in charge of the relevant departments of the CBRC said that the CBRC carried out special rectification and achieved obvious results for these market chaos. Village bank bills have a significant decline in the proportion of total assets and large loans. At present, there are 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.

Multiple measures to enhance the strength of small and medium banking institutions

"In order to further promote small and medium -sized banks to accelerate the disposal of bad assets, improve risk resistance, and better serve the development of the real economy, the CBRC will carefully study related support policies with the Ministry of Finance and the People's Bank of China, and initially consider choosing 6 provinces to carry out support for supporting local small and medium banks to accelerate disposal. The pilot work of non -performing loans. The pilot work will adhere to the principle of marketization and rule of law, actively play the role of local governments, compact the main responsibilities of small and medium banks, classify the quality of real assets, and further increase bad disposal due to local conditions and classification. "The CBRC The person in charge of the relevant department said.

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.

It is reported that the CBRC actively promotes the reform of small and medium -sized banks with relevant departments and local party committees and governments. In the first half of the year, a total of 670 billion yuan in 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; with the approval of the State Council's Financial Commission, 187.4 billion yuan of special bonds supplemented SMB capital.

For example, since this year, with the strong support of relevant central departments, the Liaoning Provincial Party Committee and Provincial Government vigorously promoted the reform of small and medium -sized banks and made progress smoothly. The province has accumulated a total of 325 billion yuan in non -performing assets for small and medium -sized banks, and the issuance of special debt supplemented the capital of small and medium banks.

The person in charge of the relevant departments of the CBRC said that in the next step, the overall requirements of "stabilizing the overall situation, coordinating coordination, classification of policies, and accurate bombs" will be adhered to Risk prevention and deepening reforms, continue to improve the effectiveness of supervision, take multiple measures, enhance the strength of small and medium -sized banking institutions and resist risk capabilities, and better serve the high -quality development of the national economy.

"Inspection of interactive buildings, stable people's livelihood" will definitely be able to get comprehensive implementation and stable advancement

According to the person in charge of the relevant departments of the CBRC, the CBRC has resolutely implemented the deployment of the Party Central Committee and the State Council, and actively supports the work of "keeping diplomatic relations and stabilizing the people's livelihood".

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.

"We believe that with the joint efforts of all aspects, under the orderly organization of the local party committee and government, the work of" keeping diplomatic relations and stable people's livelihood "will definitely be fully implemented and stable." The person in charge of the relevant department of the Banking Insurance Regulatory Commission believes.

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