The China Banking Regulatory Commission responded to recent hotspots: actively meet the financial needs of new citizens, continue to effectively promote the reform of small and medium banks to reform the insurance insurance

On August 12, the China Banking Regulatory Commission held a ventilation meeting. The person in charge of the relevant departments introduced the bank industry insurance industry to support the real economy, financial institutions reforming insurance, new citizens' financial services, and the cushioning situation of banks in Henan, Anhui villages and towns.

Large banks have completed the task of "1.6 trillion yuan of new inclusive small and micro enterprises loans"

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. Among them, policy development bank loans increased by 1.52 trillion yuan from the beginning of the year, and large bank loans increased by 6.8 trillion yuan from the beginning of the year.

The support for small and micro enterprises has continued to increase. Data show that at the end of June, the balance of loans of small and micro enterprises nationwide was 55.8 trillion yuan, of which the balance of the loan of inclusive small and micro enterprises was 21.77 trillion yuan, an increase of 22.64%year -on -year, which was significantly higher than the growth rate of various loans. Thousands of households, a year -on -year increase of 7.1 million households. In the first half of the year, the interest rate of new inclusive small and micro enterprises was issued by 5.35%, a decrease of 0.35 percentage points from the average level in 2021. 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. Some loan households increased by 20.6%year -on -year. The new loan interest rate decreased by 0.17 percentage points from 2021. Large banks have completed the task of "1.6 trillion yuan of newly added inclusive small and micro -enterprise loans this year" formulated by the State Council Executive Council.

In addition, the 22 Bank of China Insurance Regulatory Bureau issued special support policies with local governments to actively meet the financial needs of new citizens in terms of entrepreneurial employment, house purchase, education and training, medical and pension, etc. At the end of June, the balance of loans exceeded 1.2 trillion yuan.

It will support local small and medium banks to speed up the disposal of non -performing loans

Carry out pilots in 6 provinces

In terms of reform insurance in small and medium -sized banks, in the first half of the year, small and medium -sized banks across the country disposed of a total of 670 billion yuan in non -performing assets, which were disposed of 164 billion yuan year -on -year; 34 small and medium -sized banks were consolidated and reorganized; Extinction supplement small and medium -sized bank capital.

In response to the reform of the Liaoning SMB, the relevant department of the relevant departments of the CBRC said that since the strong support of the relevant central departments this year, the Liaoning Provincial Party Committee and the Provincial Government have 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. Promote the disposal of Liaoyang Agricultural and Commercial Bank and Prince Edward Village Bank in accordance with laws and regulations. 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 of the above -mentioned departments also revealed that the CBRC is conscientiously studying relevant support policies with the Ministry of Finance and the People's Bank of China, and initially considering choosing 6 provinces to carry out pilot work to support local small and medium -sized banks to accelerate the disposal of non -performing loans.

Promote financial asset management company

Reform insurance

Preventing and resolving financial risks is the eternal theme of financial work. The regulatory authorities also actively encourage financial asset management companies (hereinafter referred to as "AMC") to exert the reverse period function and continue to increase their support for the resolution of the risk resolution of financial and physical enterprises.

According to the person in charge of the relevant departments of the CBRC, the current five AMC acquisitions of financial institutions' non -performing assets account for more than 80%of the total number of non -performing assets in the banking institution, and it is still the main force of non -performing asset acquisitions.

The person in charge of the above departments stated that in order to guide AMC to focus on the main business and actively participate in the risk resolution tasks such as small and medium -sized financial institutions, the CBRC is studying the AMC Reform Insurance Plan with relevant departments to promote the industry to achieve high -quality development.

Effectively meet real estate companies

Reasonable financing needs

At this ventilation meeting, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission also emphasized again that they will do everything possible to promote "preservation of the building and stabilize the people's livelihood".

According to the person in charge of the above departments, the Banking Regulatory Commission actively guides banks to actively participate in the research of solutions to the hard gap in funds for hardrax, and do a good job of credit offering with conditions.

At the same time, AMC is also actively participating in rescue housing companies. It is reported that the five AMCs are currently cooperating with local governments to "keep interactive buildings and protect people's livelihood", which guarantees a total of 26,996 sets of commercial housing delivery on schedule, and resolves 55 million yuan in arrears of migrant workers' salary.

Henan, Anhui Village Bank Incident

Suspected of serious crimes

A total of 18.04 billion yuan has been paid

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.

The person in charge of the relevant departments of the CBRC said that according to the evidence currently held, most of the ordinary customers of out accounting business do not know and understand the suspected criminal behavior of the New Wealth Group. Due to the large number of people involved and a large amount of mating work, in order to ensure the steady implementation of the mat, the method of paying in batches is adopted to give priority to ordinary small customers.

According to the person in charge of the above-mentioned departments, since July 11, Henan and Anhui have issued 4 announcements, which are customers with less than 50,000 yuan, 50,000 to 15,000 yuan, 100,000 to 150,000 yuan, and 150,000 yuan. Implementation. 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. The person in charge of the department said that the current funding work has 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

"Please not register the customer to complete the registration." The person in charge of the department appealed.

40 villages and towns banks absorb

Internet deposit in the account of 3.9 billion yuan

Data show that as of the end of June 2022, there were 1,648 village and township banks across the country, 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, asset quality is slightly better than the average level of small and medium -sized banks across the country, abundant liquidity, and completely controllable risks." The person in charge of the relevant departments of the China Banking Regulatory Commission said.

The person in charge of the above -mentioned department said that since the establishment of the first village and town banks in 2007, the village and township banks of the country have issued a total of 9.6 trillion yuan in loans, 90%of them invested in farmers and small and micro enterprises, and the average loan balance of households is 280,000 yuan. "Small" beneficial supplementary power.

The person in charge of the above -mentioned department 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, and credit for different places. business. In this regard, the CBRC carried out a special rectification and achieved obvious results: village and township bank bill business accounted for the proportion of total assets, large loans accounted for a significant decline in the proportion of loans, Internet loans have basically been clearly cleared, and Internet deposits have fallen sharply.

According to the person in charge of the department, there are currently 40 village banks who 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.

Responsible editor: Shi Jian | Audit: Li Zhen | Director: Wan Junwei

- END -