Banking Insurance Regulatory Commission: The overall operation of the village and township banks of the country is stable

"China Securities Journal" published the article "The CBRC: The General Operations of Village and Towns in the Country" on the 13th. According to the article, the person in charge of the relevant departments of the China Banking Regulatory Commission said at the CBRC's ventilation meeting on August 12 that in the first half of the year, the China Banking Regulatory Commission guided banking institutions to increase credit investment. The task of trillions of dollars. In terms of "keeping diplomatic relations and stable people's livelihood", the Banking Regulatory Commission guides banks to actively participate in the research on solution to the hard gap in the hardware of funds, and do a good job of credit delivery with conditions. The progress of the padding of the village and township bank is generally smooth, and the total paid 436,000 households and 18.04 billion yuan have been paid.

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Increase credit investment

According to the person in charge of the relevant departments of the CBRC, in the first half of the year, the CBRC guided banking institutions to increase credit investment and promote effective investment and increase consumption.

According to data from the China Banking Regulatory Commission, the loan interest rate for newly issued inclusive small and micro enterprises in the first half of the year was 5.35%, a decrease of 0.35 percentage points from the average level in 2021.

The person in charge stated that the large bank's staged completion of the State Council's executive meeting of the State Council this year will add 1.6 trillion yuan of newly -owned small and micro -enterprise loans for large -scale state -owned banks. In addition, 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.

Mastery to promote the "keeping diplomatic buildings, stabilizing the people's livelihood"

The aforementioned person in charge stated that the CBRC strengthened the coordination with departments such as the Ministry of Housing and Construction, the People's Bank of China and other departments, and actively studied and promoted the work of "preservation of buildings and stabilizing the 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. At the same time, actively guiding the bank under the orderly arrangement of cooperating with the local government to suppress the responsibilities of all parties, actively participate in the research on the solution to the hard gap in the hard gap in funds, and do a good job of credit offer with conditions. ; And guide banks to implement the prudent management system for real estate and finance, and adhere to the control of risks and stableness.

The person in charge emphasized that in the next step, the CBRC will continue to adhere to the positioning of "the house is used to live, not for frying", further implement the prudent management system of real estate and finance, effectively meet the reasonable financing needs of real estate companies, and strongly support rental housing Construction, support project mergers and acquisitions and reorganizations, focusing on new citizens and young people in cities and towns to better meet rigid and improved housing needs. Strengthen work with all parties, cooperate with actively promoting the work of "keeping diplomatic relations, stabilizing people's livelihood", do a good job of relevant financial services in accordance with laws and regulations, and promote the virtuous cycle and healthy development of the real estate industry.

Further increase the intensity of bad disposal

Regarding the latest progress of the village and town banking case, the person in charge introduced that the five village and township banks of Henan and Anhui were controlled by illegal shareholders, absorbing illegally possessing public funds, harsh nature, and suspected 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 stated that because the number of people involved a large number of people and a large amount of padding work, in order to ensure the steady implementation of the mating work, the method of paying in and batches will give priority to ordinary small customers. 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 said that at present, the country's village and township banks are generally operating smoothly, asset quality is slightly better than the average level of small and medium -sized banks in the country, abundant liquidity, and completely controllable risks. 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 considers 6 provinces to carry out 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, do real asset quality classification, and further increase adverse disposal efforts according to local conditions and categories.