Multiple banks are settled in the second half of the year, focusing on solidifying growth and increasing credit investment

At the recently -densely -held bank -year -old work conference, "steady growth" has become a high -frequency vocabulary. In the second half of the year, banks will further increase credit investment, focusing on supporting infrastructure, scientific and technological innovation, and inclusive small and micro. At the same time, many banks emphasized that the bottom line of the security development is stable to ensure stable asset quality and controlling various risks.

Industry insiders said that banks should coexist with the real economy and have a timely time for enterprises that encounter difficulties in time, to do a good job of postponing and repaying the principal and interest promotion work; they must also deal with bad assets in time to ensure stable quality of their own assets.

Help to stabilize the economic market

Recently, many banks have successively held a middle -aged work conference. Among them, it has helped to stabilize the economic market and increase credit.

ICBC emphasized that in the second half of the year, it is necessary to further play the leading role of the big bank, take the lead in implementing the requirements of counter -cyclical regulation, and implement a central government to stabilize economic policies. Good trend.

Infrastructure construction, scientific and technological innovation, inclusive small and other fields will usher in more support. Agricultural Bank proposed that it is necessary to implement a package of policies and measures to stabilize the macroeconomic market, and strive to do a good job of credit offset in key areas such as major infrastructure projects, manufacturing, scientific and technological innovation, and green development. The market entity that affects the epidemic situation is relieved. For enterprises that are temporarily trapped in the epidemic, they should loan due to dysfunction, delay, and delay.

Industrial Bank emphasized that it has introduced more financial water for the real economy, continued to consolidate basic disks, lay out new tracks, promote the healthy development of real estate, and the transformation and development of local financing platforms. And new tracks such as automobile finance and park finance have taken greater steps.

Everbright Bank proposes that it is necessary to increase project docking, continue to increase credit support in the fields of manufacturing, green finance, strategic emerging industries, and rural rejuvenation, actively participate in special debt projects for infrastructure construction, strengthen core enterprises for the industrial chain supply chain supply chain The support of scientific and technological development and technology innovation enterprises to implement "new citizens" financial services.

The Bank of China Research Institute recently released the "Economic and Financial Outlook Report in the third quarter of 2022" that the banking industry must actively act, adhere to serving the real economy source, help stabilize the economic market with high -quality financial services, continue to increase the "new citizens" and other "new citizens" and other Personal customers, small and micro enterprises, green development, scientific and technological innovation, infrastructure transportation and other key areas and weak links of corporate customers, as well as cross -border financial services such as foreign trade and foreign capital, have driven consumption, investment, and export of "three -driving carriage" development.

Strengthen financial risk prevention and control

While increasing support for the real economy, it is especially important to maintain its own stable operation. Many banks have emphasized that the relationship between stable growth and risk prevention should be coordinated, and the bottom line of security development is determined.

ICBC proposes that the management of the "five one account" management of the head office branches, abroad, inside and outside, online and offline, and commercial banks' subsidiary institutions, which are highly vigilant and defense of various risks. To grasp the rhythm and methods of dealing with the risk of disposal, we must keep the risk defense line and to avoid secondary risks. Do a good job in the governance of credit risk in key areas, improve the effectiveness of internal control compliance, and form a normal and long -term mechanism.

The Agricultural Bank proposed that the credit risk of credit risks further in key areas is "precise demolition", forward -looking to the market and liquidity risks, and ensure that the quality of assets is stable and various risks are controllable.

"In recent years, in the context of accelerating the disposal of non -performing assets, the quality of bank assets has remained stable as a whole. However, factors such as increasing business pressure on enterprises will still affect the quality of bank assets." On the one hand, banks must be coexisted with the real economy and have a prospect for growth. However, companies that temporarily encounter difficulties in time must promptly promote the repurchase of principal and interest to help enterprises pass the difficulties. On the other hand, we must also do a good job of preparing for the provisioning, deal with bad assets in a timely manner to ensure stable quality of their own assets.

Liu Zhongrui, the person in charge of the Statistics and Risk Monitoring Department of the Banking Insurance Regulatory Commission, said that the next step in the CBRC will take care of the relevant support policies, in -depth research and analysis of risks, properly respond to the rebound of non -performing assets, and continue to urge banks to strictly implement the prudent classification of financial asset risks, sufficient Regarding the preparation. In conjunction with the relevant departments, the policy arrangements for the disposal of non -performing assets are continuously optimized, the disposal channels are expanded, the scope of the pilot scope of non -performing loan transfer and batch personal non -performing loan transfer is expanded, and the banks are used to use high -allocating advantages to increase the treatment of non -performing assets.

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