Pei Guang, Secretary of the Party Committee and Director of the Guangdong Banking Regulatory Bureau: Doing the policy of stabilizing the economy and the financial helping enterprises to relieve the rescue policy, helping Guangdong to stabilize the macroeconomic market

21st Century Business Herald reporter Jia Junhui Guangzhou report

In the first half of this year, the economic and financial situation at home and abroad was complex and changing, and the stable operation of economic and financial operations faced challenges. Guangdong's banking insurance industry has continued to strengthen political responsibility, increase financial support for the real economy, and achieve staged results.

On July 26, the Guangdong Banking Regulatory Bureau held a seminar and disciplinary inspection symposium in mid -2022 in the 2022 years that in the second half of the year, the Guangdong Banking and Insurance Bureau system should thoroughly implement the decision -making and deployment of the Party Central Committee and the State Council, and go all out to implement it. The work requirements of the China Banking Regulatory Commission, the Guangdong Provincial Party Committee and the Provincial Government, continue to implement the three major tasks of serving the real economy, preventing and controlling financial risks, deepening financial reform, continuously improving regulatory capabilities, and promoting the high -quality development and regulatory work of Guangdong's banking insurance industry. Effective.

A few days ago, around Guangdong's steady growth, the digital transformation of the bank insurance financial institutions, the improvement of quality and efficiency of new citizens' financial services, preventing and resolving financial risks, and Guangdong -Hong Kong -Macao financial supervision and cooperation, Pei Guang, secretary of the party committee and director of the Guangdong Banking Regulatory Bureau, accepted 21 Century Economic Herald reporter interview.

Help Guangdong stabilize the macroeconomic market

"21st Century": As the first economic province, Guangdong's stable growth performance is essential for the national growth. Since this year, what specific measures did the Guangdong Banking Regulatory Supervision Bureau have launched in order to help Guangdong's stabilization of the economic market? What is the effect of landing? What other places that need to be further exerted and supplemented?

Pei Guang: Since 2022, the Guangdong Banking Insurance Regulatory Bureau has adhered to the general tone of "steady words, steadily seeking progress", in accordance with the requirements of "the epidemic should be defended, the economy must stabilize, and the development must be safe". The Central and State Council decisions and deployment, in accordance with the work requirements of the China Banking Regulatory Commission, the Guangdong Provincial Party Committee, and the Provincial Government, take the initiative to achieve difficulties, to achieve the policy of stability and stability, and to help enterprises' rescue policies. Guangdong stabilizes the macroeconomic market.

The first is to refine and improve supporting measures and make good financial support for steady growth combination. Formulate the implementation plan for the overall implementation of the economic and financial help enterprises to help enterprises, clarify the action route of "overall overall coordination layout, the implementation of the line deployment, and the implementation of territorial responsibilities" "And" task book ". At the same time, a series of supporting financial policies are introduced in a targeted manner. For example, in terms of small and micro finance, the notification notice is dedicated to further strengthen the implementation of small and micro financial assistance policies, and promote the accurate policy to the market subject; in terms of new citizens' financial services, the 8 departments have specially formulated the implementation of the "Guangdong Edition" new citizen financial services. The plan further enhances the equalization of financial services, accuracy, and systemicity; in terms of foreign trade finance, the provincial tax bureau and other departments have introduced further optimization of export refund (exemption) tax service policies to help stabilize foreign trade insurance exports; The high -quality development of non -auto insurance promotes the implementation of the transformation and upgrading of Guangdong's property and insurance industry, and strengthens the insurance guarantee function of key industries.

The second is to escort the difficult industries and open up the financing channels to unblock the economic cycle. Focus on supporting the recovery of the service industry, strengthen multi -party collaboration, establish a list of bank -enterprise docking mechanisms, guide banking institutions to actively docking with 860 difficult enterprises in the service industry in their jurisdiction. Related enterprises grant about 374.6 billion yuan in credit, and support the service industry to continue to recover. As of the end of June, the balance of credit loans in the catering industry and retail industry in the jurisdiction increased by 22.7%and 24.5%, respectively. The nation's first inclusive food industry comprehensive insurance "food insurance" provides risk protection for 1,320 food companies to guarantee 1.147 billion yuan. Focus on supporting the freight logistics industry to help keep it in order to maintain and increase credit support and risk guarantee. As of the end of June, the banking industry provided loan balance of 1.16 trillion yuan for the highway and railway transportation industry, an increase of more than 80 billion yuan from the beginning of the year; for the beginning of the year; for the beginning of the year; The loan balance provided by airports and airlines in the province exceeded 67 billion yuan, an increase of 15.2%over the beginning of the year. In the first half of the year, the insurance industry underwent 1.0714 million vehicles, providing a total of 4.07 trillion yuan to freight logistics enterprises, an increase of 31.3%year -on -year, and provided 29.1 billion yuan in accident and medical risk protection for the freight logistics industry.

The third is to focus on supporting small and micro enterprises to promote "blood transfusion and burden". Efforts to "delay the extension" to help go through the difficulties. In the first half of the year, the major banking institutions in the jurisdiction were 123.8 billion yuan, and the number of households was 123.8 billion yuan for small and micro enterprises, with 52,200 households. Promoting the support of banking institutions to increase the support of the exhibition period. As of the end of June, the balance of small and micro enterprises had no renewal loans of 185.9 billion yuan, an increase of 35.55%year -on -year. Encourage "loan due to loan" to help restore vitality. Promote the main channel of the banking institutions in the jurisdiction to play a good channel for indirect financing of small and micro enterprises. As of the end of June, the balance of loans in small and micro enterprises in the jurisdiction was 3.9 trillion yuan, an increase of 16.88%year -on -year. Thousands of households; credit loans of small and micro enterprises increased by 26.89%year -on -year. The "first loan households" of small and micro enterprises reached 24,300 households, with a loan amount of 80.487 billion yuan. Supervise "should be reduced" to help lightly play. Guide the banking institutions within their jurisdiction to reduce their fees for various market entities, strengthen supervision and supervision, and conduct on -site inspections of 20 banking institutions. In the first half of the year, the average interest rate of loans issued to various enterprises decreased by 0.35 percentage points compared with the same period last year. The interest rate of new inclusive small and micro enterprise loans decreased by 0.23 percentage points on the basis of last year. The fourth is to accelerate supporting key areas and drive a new engine of Guangdong's economic growth. Support the construction of a strong manufacturing province in Guangdong, closely focus on the "six major projects" of the manufacturing industry, guide the increase in credit, support the manufacturing industry to move towards the mid -to -high -end, and enhance the core competitiveness. As of the end of June, the balance of the manufacturing loan in the under its jurisdiction exceeded 2 trillion yuan, an increase of 32%year -on -year, and the growth rate was 2.5 times that of various loans. In the first half of the year, the new loan was 390.8 billion yuan, and the incremental increase was doubled. Other electronic equipment manufacturing, electrical machinery and equipment manufacturing industry, such as Guangdong pillar industries, have increased by more than 40%year -on -year. Increasing the support of 20 strategic industrial clusters in Guangdong, as of the end of June, the strategic emerging industry loan in its jurisdiction increased by 70.17%year -on -year. A total of more than 2,300 countries and provincial "specialized new" enterprises issued loans for more than 35 billion yuan. Support major project construction and expand investment, guide banking institutions within its jurisdiction to support the construction of 1,570 major projects in the province, issue 94.8 billion yuan for major projects, and provide supporting financing of 46 billion yuan for special debt projects, about 2.5 times the same period last year. "Insurance capital into Guangdong" continued to make efforts, and insurance funds invested 1.76 trillion yuan in Guangdong, an increase of 31%year -on -year. Among them, the amount of major infrastructure and people's livelihood projects exceeded 300 billion yuan, which was more than 33.79 billion new investment in the same period last year. Yuan. Support high -level technology self -reliance, joint research and formulation of science and technology finance implementation opinions, and strive to meet the financial needs of the full life cycle of science and technology enterprises. As of the end of June, the loan balance of scientific and technological enterprises within its jurisdiction exceeded 780 billion yuan, an increase of 47%year -on -year, of which the balances of medium- and long -term loans and credit loans accounted for 45%and 36%, respectively. Promote our province to become the nation's expansion of the first batch of pilot pilots on the development of intellectual property pledge registration, and jointly issued the pilot implementation plan. As of the end of June, the balance of intellectual property pledge loans within its jurisdiction exceeded 13 billion yuan, an increase of 48%year -on -year. Support the "Guangdong Qiangxin" project, and the new types of rights pledge financing business. The main banks in the jurisdiction provide a special pledge loan for two chip companies with an integrated circuit company with an integrated circuit.

Next, we must continue to run with time, continue to increase the implementation of demand -side policies, use enough policy tools to strengthen expected guidance, and further improve the adaptability and synergy of industry policy and financial policy. At the same time, under the principle of adhering to the principle of sustainable business and risk, guide the optimization of the allocation of financial resources, encourage financial institutions to explore and innovate financial product innovation in combination with their own characteristics, stimulate the creation of new credit demand, and help market entities to relieve it. Strengthen the confidence of the real economy.

Financial digital transformation must adhere to the real economy

"21st Century": For financial institutions, digital transformation is the general trend. At present, what is the overall progress of the digital transformation of Guangdong Banking Financial Institutions?

Pei Guang: The financial institutions in the Guangdong Banking Regulatory Bureau actively promoted digital transformation in accordance with the requirements of the regulatory authorities and achieved positive results.

First, the top -level design is continuously strengthened. Under the guidance of the Guangdong Banking Insurance Regulatory Bureau, the senior management of the board of directors of the bank insurance institution within its jurisdiction attaches great importance to digital transformation. Specific implementation plans to ensure that the work is implemented in place. Each branch agency actively implements the strategic goals proposed by the head office, formulate the implementation of the implementation of the branch level, and comprehensively open the digital business practice. For example, the CCB Guangdong Branch formulates a digital business plan each year since 2020 to clarify the annual digital operating goals, directions and implementation measures; the Bank of China Guangdong Branch formulated and introduced the "Digital Transformation and Empowerment Development Action Plan".

The second is the effective improvement of financial services. Financial institutions in the jurisdiction actively explore and use big data, artificial intelligence and other means, depict customer characteristics, analyze customer behavior, and gradually realize thousands of people and thousands of direct and direct financial services. Vigorously carry out digital transformation of offline outlets, and use biological characteristics recognition, voice recognition, cloud computing and other technologies to promote the transformation of outlets to light and intelligent. For example, the Bank of China Guangdong Branch built the first "5G Smart+Bay Area Hall" outlets in South China to build a four -in -one smart service system for "Technical Application+Service Experience+Scenario Links+Ecological Fusion". Insurance companies introduce technical means such as mobile internet, face recognition, OCR identification, and remote identity certification to achieve real -time insurance insurance insurement, remote underwriting, online preservation, online claims, insured and claims are more convenient, fast, and transparent. Third, the level of risk prevention and control continues to strengthen. The banking institutions within their jurisdictions actively use fintech to design and develop intelligent risk control systems to enhance risk management capabilities. For example, based on cloud computing and big data platforms, the Guangdong Provincial Federation has independently developed nearly 300 special audit analysis models in key areas to strengthen audit monitoring of the operation and risk status of rural commercial banks under its jurisdiction; Guangdong Huaxing Bank uses knowledge maps to integrate machine learning and equipment Fingerprint, real -time intelligence and other technologies, build an enterprise -level knowledge map platform, strengthen risk prevention in the fields of anti -money laundering, transaction anti -fraud monitoring and credit monitoring; Letter, industry and commerce information, in -line data, Rong'an E letter, business dynamics, capital use and tax information 7 major monitoring data sources, establish monitoring indicators of different dimensions, enrich inclusive financial customers full view portrait labels, improve the accuracy of post -loan early warning accuracy And validity.

"21st Century": In order to promote the obstacles of the bank insurance financial institutions within its jurisdiction, how did the Guangdong Banking Insurance Supervision Bureau do? According to the previous practical experience, do you think that in the process of promoting the digital transformation of bank insurance financial institutions, what problems should you pay attention to or avoid?

Pei Guang: The Guangdong Banking Regulation Bureau mainly promotes the digital transformation of financial institutions within its jurisdiction from three aspects: First, strengthen supervision and leadership, and steadily promote digital transformation. Guide all financial institutions with the people as the first driving force. Under the premise of strictly adhering to the bottom line of risk, we will get out of a digital transformation and development of their own development needs, scientific and technological capabilities, and risk control capabilities. The accuracy, adaptability, and acquisition of accuracy, avoiding transformation for transformation. The second is to consolidate the data foundation of the digital transformation of the industry. Data is the basis for digital transformation. Data quality is the decisive factor for the success of digital transformation. The Guangdong Banking Insurance Regulatory Bureau continues to urge financial institutions to establish and improve the data governance system, improve the data governance system, strengthen data asset management, and continuously improve the quality of data. By establishing data with efficient data service capabilities And processing methods, give full play to the productivity of the internal data element. The third is to consolidate industry forces to solve digital transformation problems. In order to break the data barriers between institutions, promote the circulation of data elements, and solve the problem of "data islands", the Guangdong Banking Regulation Bureau has carried out in -depth research and innovative applications of technologies such as big data, blockchain, and privacy computing. The blockchain "Huixiang Platform" led by the Guangdong Banking Regulatory Bureau has obtained a pilot of the national blockchain innovation application. Through the platform financial institutions can share threat intelligence, black and white gray list to enhance risk control capabilities; organize financial institutions in the organization to explore The use of federal learning technology to realize the "available" data between different banking institutions and different industries, providing a solution for the orderly flow of the data elements in the orderly flow of various participants in the financial industry.

In the process of promoting the digital transformation of financial institutions, the regulatory authorities need to pay attention to the following three points. First, digital transformation must adhere to the real economy. The digital transformation of financial institutions is to better serve the real economy. The regulatory authorities should guide financial institutions to adhere to the correct direction and goals to promote digital transformation. Essence The second is to prevent new risks in digital transformation. The digital transformation of financial institutions has brought new changes in financial risks. The regulatory authorities should guide financial institutions to develop digital transformation on the premise of strictly adhering to the bottom line of risk. Strengthen business compliance management, fully evaluate the logic changes and technical changes of business in the new model, and effectively identify new features of liquidity risks. Strengthen data security and network security management, improve the technical security protection system, and strengthen the security access control of data. Prevent models and algorithm risks, ensure the explanatoryness of the model, and prevent algorithm discrimination. The third is to avoid digital transformation assessment "one -size -fits -all". Digital transformation is a process of continuous exploration and trial and error in financial institutions. The regulatory authorities should avoid putting forward a unified digital transformation requirements for different institutions. They should fully consider the institution's own situation and evaluate and guide the effectiveness of the digital transformation of the organization.

Effectively improve the financial services of new citizens

"21st Century": Guangdong is a new citizen province. Recently, 9 departments such as the Guangdong Banking Regulatory Bureau jointly released the implementation plan of the "Guangdong Edition" new citizen's financial services. Please explain the highlights and characteristics of the scheme.

Pei Guang: Guangdong is located at the forefront of my country's reform and opening up. The Guangdong -Hong Kong -Macao Greater Bay Area is one of the most developed, active, and most open areas in my country. It is an important talent and innovation highland in China. Entrepreneurship youth and migrant workers who entered the city chasing their dreams and realizing their value of life have become an important force to promote the high -quality development of Guangdong's economic and social development. Doing a good job of financial services for new citizens is an important manifestation of practicing the political and people's nature of financial work. It is of great significance for Guangdong to go at the forefront of the country and create new glory in the new journey of building a socialist modernization country in an all -round way. In March of this year, the CBRC and the People's Bank of China issued the "Notice on Strengthening the Financial Services of New Citizens". The Guangdong Banking Regulatory Bureau conscientiously implemented the requirements of the CIAC and jointly formulated the "Guangdong Edition" "Implementation Plan for Strengthening the Financial Services of New Citizens" with 8 departments (hereinafter referred to as the "Plan"). Essence The first is "aggregation force". New citizen financial services are a systematic project. Guangdong Banking Regulatory Bureau and the People's Bank of China Guangzhou Branch, Guangdong Provincial Local Financial Supervision Bureau, Civil Affairs Department, Finance Department, Human Resources and Social Security Department, Housing and Urban -Rural Development Department, Medical Insurance Bureau, and Government Service Data Administration issued the "Plan" , Clarify the goals and responsibilities and division of responsibilities, and form a policy joint. Guangdong is also one of the regions with the largest number of new citizen service departments across the country. The second is "solving problems". On the basis of in -depth research on the financial needs of new citizens, the "Plan" is based on improving the equalization, accuracy and systemicity of financial services, focusing on new citizens in entrepreneurial employment, housing living, education and training, medical care, pension guarantee,, pension guarantee,, pension guarantee, and endowment protection. The urgency and hope of basic services have proposed 20 targeted policies and measures to provide comprehensive financial support for new citizens to perform talents in Guangdong and live and work in peace. The third is the "pain point". In response to the lack of pain points for the basic data facing bank insurance institutions in the process of serving new citizens, the "Plan" requires bank insurance institutions to actively connect mobile government service platforms such as "Guangdong Province", explore the use of data such as new citizens, taxation, housing provident funds and other data to optimize the use New citizens' credit evaluation system, expand the business scope of "online office", "not seeing the office", and improve the acquisition and convenience of financial services. The fourth is "conspiracy far away." Bank insurance institutions are required to accelerate the reform of systems, processes, systems, and product reform, stimulate the vitality in serving new citizens, and promote the sustainable development of financial services for new citizens. At present, the bank insurance institutions have set up 36 new citizens' characteristic outlets, 10 new citizen financial service centers, and 1 new citizen comprehensive insurance service department to launch 26 exclusive products or services.

In general, the "Plan" not only maintains effective connection with the policy requirements of the CBRC, but also innovates in combination with the actual situation of Guangdong, reflecting the distinctive Guangdong characteristics. For example, in response to the characteristics of the Greater Bay Area scientific and technological talents, the "Plan" detailed the "new citizen" standard, incorporated "city introduction professional talents" into the scope of new citizens' policy support, and better supported middle and high -end talents to land in Guangdong. For another example, implement the work deployment of the Guangdong Provincial Party Committee and the Provincial Government, and increase financial support for the three major projects of "Cantonese cuisine", "Guangdong technical" and "South Guangdong housekeeping", and help new citizens to increase and become rich.

The introduction of the "Plan" opened a new chapter in the financial services of Guangdong's new citizens. At the same time, played the role of demonstration and leading, and various places in the jurisdiction also introduced implementation measures in accordance with the actual situation. Zhuhai, Zhongshan, Jiangmen, Zhaoqing, Shantou and other places have formulated a refined work plan. Essence Under the guidance of policies, political, supervisory, silver, and insurance are more closely linked, bank insurance products have accelerated their capacity, and the coverage, acquisition, and convenience of new citizens' financial services have continued to improve.

"21st Century": What do you think is the pain and difficulties of bank financial institutions to strengthen the financial services of new citizens? In this regard, what targeted measures will the Guangdong Banking Insurance Supervision Bureau take to promote the financial service level of new citizens in the banking insurance financial institutions in the jurisdiction?

Pei Guang: The liquidity of the new citizens is relatively large, and a considerable part of it is in a flexible employment state. The accumulation of historical data such as credit reporting, social security, taxation, and provident funds has less accumulation. The problem of information asymmetry is more prominent than ordinary citizens. Come here a lot. At the same time, the inclusiveness and applicability of bank insurance product services have continued to strengthen, but there are still fewer exclusive products developed for new citizen groups, and the accuracy and differences of financial services need to be improved.

In the next step, under the correct leadership of the China Banking Regulatory Commission, the China Banking Regulatory Commission, the Guangdong Provincial Party Committee, and the Provincial Government, it will continue to guide the banking insurance industry within its jurisdiction to improve political standing and fulfill social responsibilities, and focus on new citizens' housing, entrepreneurship, and employment The needs of education, medical care, and pension continue to strengthen financial innovation, in accordance with the principles of marketization, expand financial supply at a high quality, effectively improve the equalization, accuracy and systemicity of new citizens' financial services, promote the new "Guangdong version" new The implementation plan of citizens' financial services is effective. Focus on three aspects: First, improve the accuracy of financial services. Guide the bank insurance institutions within their jurisdiction to carefully study the financial needs of various types of new citizen groups and their life cycle, layered classification to provide differentiated services, and create tailor -made financial products for new citizens. Demand must also do a good job of ordinary customer base services. The second is to increase the degree of business digitalization. Adhere to data -driven and scientific and technological empowerment, guide bank insurance institutions to strengthen the docking with the Guangdong Political Planning Bureau and other units, promote the establishment of a new citizen financial service area for "Guangdong Province", and strengthen the use of big data and the Internet to effectively improve service efficiency. The third is to increase publicity and education. Guide bank insurance institutions within their jurisdiction to give full play to the advantages of outlets and channels, in -depth new citizens' gathering areas, normalize financial knowledge propaganda and popularization education, improve the financial literacy of new citizens, and enhance the awareness of risk prevention and anti -fraud. Explore the establishment of the Greater Bay Area financial supervision and coordination and communication mechanism

"21st Century": Financial security is one of the three major strategies for strengthening my country's economic security guarantee. In order to keep the bottom line of no systemic financial risks, what experience and practices do the Guangdong Banking Regulatory Bureau have? How effective is it?

Pei Guang: Financial security is an important part of national security and preventing and resolving financial risks. It is a barrier that must pass the high -quality development of the financial industry. In July this year, the Central Political Bureau meeting pointed out that "to maintain the overall stability of the financial market, properly resolve the risks of some local village banks, and severely crack down on financial crimes." The Guangdong Banking and Insurance Bureau closely focused on the decision -making and deployment of the Party Central Committee and the State Council, and continued to persist in resolving financial risks in accordance with the work requirements of the China Banking Regulatory Commission, the Guangdong Provincial Party Committee and the Provincial Government, and firmly held the bottom line of the systemic regional financial risk. Build a "firewall" for the stable development of the Guangdong economy.

First, financial risks in key areas have significantly converged. The overall operation of the bank insurance industry in the jurisdiction is stable, the risk resistance capacity continues to increase, and the non -performing loan rate of the banking industry is 1.1%, which is at a low level. Urges the banking financial institutions within its jurisdiction to increase the disposal of non -performing assets. Since this year, it has accumulated more than 60 billion yuan, and the disposal scale is significantly higher than the same period last year. Further implement the prudent management system for real estate finance, effectively meet the reasonable financing needs of the real estate market, and promote the steady and healthy development of the real estate market.

The second is to actively promote the risk disposal of key institutions. Promoting the reform of the agricultural co -organizations in the jurisdiction, on the basis of completing the risk disposal of 29 high -risk agricultural cooperatives and comprehensive completion of the agricultural and commercial banks of the Agricultural Council, it has supported the merger and reorganization of high -risk risk risk -up to the high -quality agricultural commercial bank. A number of indicators in the joint agency is better than the national average. Promote the introduction of provincial -owned state -owned enterprises in accordance with the principles of marketization and rule of law to carry out strategic reorganization. Through the combination of "capital injection, control, and wisdom", substantial progress has been made in reforming insurance. Supervisory all the small and medium -sized legal entities in the jurisdiction to implement the party organization's "construction should be built" and party building, so as to comprehensively and strictly govern the party to improve the quality of the company's governance. Carry out risk investigations on the village and town banks under its jurisdiction to prevent liquidity risks.

The third is to effectively maintain a good financial market order. Vigorously rectify the auto insurance market, the effectiveness of the comprehensive reform of auto insurance is prominent, and the "reduction of fees and insurance" ranks among the forefront of the country. Strictly implement the new rules of Internet insurance and investigate the chaos of Internet insurance. Guide people's dangerous industry to release the nation's first personal insurance industry guide. Standardize the competition in the bank deposit market and carry out the evaluation of bank liabilities quality management supervision. In conjunction with the risk disposal of online loan platforms, all online loan institutions have been shut down. Strengthen the communication and cooperation with departments such as public security, market supervision, and online information office, increase the combat and deterrent of illegal finance, and dispose of illegal institutions such as "China Plain Bank" in accordance with the law.

"21st Century": With the in -depth advancement of the Guangdong -Hong Kong -Macao Greater Bay Area, Guangdong Finance has continued to expand. In this context, what profound changes do you think of Guangdong's prevention of financial risks? In the future, how will the Guangdong Banking Regulatory Bureau work together to do a good job of risk prevention work?

Pei Guang: Under the correct leadership of the China Banking Regulatory Commission and the Guangdong Provincial Party Committee and the Provincial Government, the Guangdong Banking Regulation Bureau took the initiative to take the initiative to actively implement the national strategy of the Guangdong -Hong Kong -Macao Greater Bay Area, deepen cross -border cross -border Financial innovation cooperation promotes the interconnection of financial services in Guangdong, Hong Kong and Macao, and strive to be the "pioneer" of financial opening up and reform and innovation, and achieves good results in related work.

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