Banking Insurance Regulatory Commission: The overall operation of the banking industry is steady risk to resist the ability to resist

13AUG

Our reporter Su Xiangzheng Yang Jie on August 12, the CBRC held a ventilation meeting to introduce the situation of the banking industry to increase credit investment, the effectiveness of the reform of financial asset management companies, the work of "keeping diplomatic relations, protecting the people's livelihood", and Five village and township banks have made the latest progress. In the first half of the year, the effective supply of funds for the real economy increased. The CBRC guided banking institutions to increase credit investment, promote effective investment and increase consumption, fully support the real economy, and stabilize the macroeconomic market. First, the effective supply of funds in the real economy has increased steadily, and 12 policy documents are introduced to promote bank institutions to continue to increase credit support for the real economy. In the first half of the year, RMB loans increased by 1368 trillion yuan, an increase of 919.2 billion yuan year -on -year; the second was to serve small and micro enterprises with significant results. A trillion yuan, a year -on -year increase of 22.64%, significantly higher than the growth rate of various loans; the number of loans balance households was 36.81 million, an increase of 7.1 million households; and the third was to continuously optimize financial services in key areas to strengthen major national strategic financial services, support support The construction of key projects and major projects; the fourth is to help rural revitalization achieved significant results. At the end of June, the balance of agricultural loans in the country was 4.71 trillion yuan, an increase of 13.06%from the beginning of the year. The fifth is to strengthen effective progress in financial services for new citizens; sixth, to help companies with difficulties have made positive progress. The person in charge of the relevant departments of the Banking Insurance Regulatory Commission said that the current overall operation of my country's banking industry is stable, risk resistance has continued to increase, bank industry 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. The outlook on the international rating agency's outlook on the Chinese banking system is stable or positive. Regarding the small and medium -sized banks, the person in charge of the relevant departments of the China Banking Regulatory Commission said that in order to further promote small and medium -sized banks to accelerate the disposal of non -performing assets, improve risk resistance, and better serve the development of the real economy, the CBRC will carefully study relevant support policies with the Ministry of Finance and the People's Bank of China. Select 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. At present, the current work of "keeping diplomatic relations and stable people's livelihood" is actively promoted, the CBRC has resolutely implemented the deployment of the Party Central Committee and the State Council, and actively supports more powerful promotion of the work of "preservation of the building 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. In terms of the reform of the reform of the financial asset management company, in terms of the reform of the small and medium -sized banks, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission mentioned that in the first half of the year, the national small and medium -sized banks disposes a total of 670 billion yuan in non -performing assets, which is 164 billion yuan year -on -year; approved 34; The consolidated reorganization of the small and medium banks of the home; approved by the State Council's Financial Commission, it distributed 187.4 billion yuan in special debt quota to supplement SMB capital. Regarding the reform of the financial asset management company, the person in charge of the relevant departments of the Banking Insurance Regulatory Commission said that in recent years, the China Banking Regulatory Commission has actively guided the financial asset management company to return to its origin, focuses on the main business, exerts the function of counter -cycle, and continues to increase the risk resolution of financial and physical enterprises. Supporting strength. At the same time, the risks of Huarong Company are steadily dealt with and promoted the reform and transformation of financial asset management companies. First of all, focus on the main business of the main responsibility and increase the treatment 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. Secondly, 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 solve the wages of 55 million yuan in arrears of migrant workers. In addition, the CBRC, together with relevant departments, actively 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.

The person in charge of the relevant departments of the CBRC said that the next step will continue to adhere to the centralized and unified leadership of the Party Central Committee for financial work, 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 inspections, Rectify the "second half of the article", focus on the main business, adhere to the innovation, and take the initiative to participate in the tackling tasks such as the risk resolution of small and medium -sized financial institutions. At present, the China Banking Regulatory Commission is studying the reform insurance plan of the financial asset management company in conjunction with relevant departments to promote the industry's high -quality development. The risks of village and township banks across the country have been completely controllable this year, and the relevant risks of village and township banks have attracted much attention. In response, the heads of the relevant departments of the China Banking Regulatory Commission said that "At present, the country's village and towns banks have been running smoothly, and the quality of assets is slightly better than the average level of small and medium -sized banks in the country. There are abundant liquidity, and the risks are completely controllable. "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. As of the end of June 2022, there were 1,648 villages and towns 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. Talking about the new progress of incidents in the five village and township banks of Henan and Anhui, the above -mentioned person in charge stated that according to the evidence currently held, most of the ordinary customers of the account of out accounting business do not know and understand the suspected criminal acts of 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. Since July 11, Henan and Anhui have issued 4 announcements to customers with less than 50,000 yuan, 50,000 yuan to 100,000 yuan, 100,000 yuan to 150,000 yuan, and 150,000 yuan to 250,000 yuan. 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. In addition, 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 In the next step, the CBRC will thoroughly implement the requirements of the Political Bureau of the Central Committee to "properly resolve the risks of some local villages and towns and town banks, severely crack down on financial crimes", support and cooperate with local party committees and governments to do subsequent risk disposal work, strengthen pursuit of stolen goods, severely crack down on financial crimes , Resolutely punish financial corruption, adhere to laws and regulations, and effectively safeguard the legitimate rights and interests of the general public. Recommended reading

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Picture ｜ Production of Cui Jianqi of Securities Daily | Zhang Xin

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