Ten years of Sichuan -Chongqing Banking Insurance Industry: Serving the Tackling of the Real Economic Insurance and Capture

Zhongxin Jingwei, September 1st (Wei Wei) On the 1st, the China Banking and Insurance Regulatory Commission held the 290th banking insurance industry routine press conference. Chen Yulin, the secretary and director, introduced the development of the banking insurance industry in the two places over the past ten years.

Stable development of the industry

"In the past ten years, the size of Chongqing's banking industry has continued to span four trillion steps, reaching 6.85 trillion yuan at the end of July. The scale of insurance assets increased by 2.55 times compared with ten years ago to 259.2 billion yuan." Jiang Ping at the press conference at the press conference Say.

Jiang Ping further pointed out that in the past ten years, bank deposits, loan balances, insurance density, and premium income have achieved an average annual double -digit growth, of which the balance of deposit and loan has continued to span 3 trillion steps, which have increased by 1.5 and 2.16 times in the past ten years, respectively. , Reached 4.86 trillion yuan and 4.99 trillion yuan. The insurance industry compensation expenditure increased by 38.2%in the past three years, high than the national average of 2.6 percentage points.

Chen Yulin said that the Sichuan Banking Insurance Regulatory Bureau adheres to "development is the key to solving all problems" and promote the industry's own stable development. As of the end of June this year, the total scale of Sichuan Bank's assets increased from 5.26 trillion yuan to 1.344 trillion yuan, which was 256 times the end of 2012; 1.6 times, 2.4 times.

According to reports, the four main indicators of Sichuan banking assets, liabilities, deposits and loans balance are currently 7th in the country and No. 1 in the west. The total assets of Sichuan insurance industry 557.49 billion yuan, 2.2 times at the end of 2012. The original insurance premium income was 220.4 billion yuan in 2021, which was 1.7 times at the end of 2012. 39.77 billion yuan, providing risk protection of 35.661 trillion yuan for society.

Promote a good cycle of finance and the real economy

Chongqing is at the connection point of the “Belt and Road” and the Yangtze River Economic Belt. Jiang Ping introduced that as of the end of June, Chongqing supported the "Belt and Road" financing balance of nearly 250 billion yuan, reaching 1.43 times that of five years ago. It was 26.6%and 31.8%over the same period last year.

In promoting the high -quality development of the manufacturing industry, Jiang Ping said that since this year, Chongqing's manufacturing loan has increased by 22.3%year -on -year. The financing coverage of "specialized specialty" enterprises has increased by 3.65 percentage points year -on -year, and the financing scale has increased by 2.53 times year -on -year. Chongqing's small and micro enterprise loan balance, loan households have increased by more than 20 years, and the interest rate of inclusive small and micro enterprises has decreased by 0.26 percentage points annually.

"We conscientiously implement a package of stabilization of the economic market, actively connect with major projects and infrastructure construction across the country, and strive to promote the formation of a good cycle of finance and the real economy." Chen Yulin pointed out that as of the end of June "The balance of construction and major transportation projects was 895.56 billion yuan, 1.24 trillion yuan, and the balance of manufacturing loans was 686.766 billion yuan.

Chen Yulin said that the Sichuan Banking Insurance Regulatory Bureau adheres to the development of innovation and drives, strongly serves high -level technology to self -reliance, supports Sichuan to accelerate the construction of scientific and technological innovation centers with national influence, and encourage financial institutions to support innovation and entrepreneurship, high -tech industries and strategic emerging industries. The loan balance has achieved continuous growth.

Prevent and resolve financial risks

At the meeting, the director of the Banking Regulatory Bureau of the two places also talked about the relevant situation of preventing and resolving financial risks. Chen Yulin introduced that in the past ten years, the Sichuan banking industry has accumulated a total of nearly 700 billion yuan in non -performing loans. At present, the non -performing rate is 0.45 percentage points lower than the national average. At the same time, guide financial support to support the "insured building", and strongly support the steady and healthy development of the real estate market.

In terms of resolving corporate debt risks, Chen Yulin emphasized that the Sichuan Banking and Insurance Bureau gives full play to the role of the debt committee's mechanism, and the "one enterprise and one policy" formulate a financial assistance and risk resolution plan. Hua Group, Sichuanwei Group, etc. have been relieved by the debt committee.

"Preventing and resolving major financial risks has achieved outstanding results, rectify market chaos for many years, and the industry's violations of laws and regulations have been significantly reduced, and the direct performance and quality of financial resources have been significantly improved." Chen Yulin said.

Chen Yulin also mentioned that the governance supervision of Sichuan Banking Insurance Company continued to strengthen, a number of illegal institutions and personnel were severely punished, and many major violations of laws and regulations were included in the list of the CBRC and made public public. Adhering to the risk of reforming the risks by reform, the risks such as the Antang Department and the Department of Bag Family Affairs have been resolved in an orderly manner. All 27 high -risk agricultural co -organized institutions in the province "take the hat", and three key village banks have completed the risk disposal tasks.

Jiang Ping also listed a set of data. In the past three years, Chongqing's banking industry has dispatched a total of 157.96 billion yuan in non -performing loans. The total of the 12 years ago, especially the disposal of 64.49 billion yuan last year, a record high. As of the end of July, the adverse rate of Chongqing's banking industry was 1.12%, which was 0.68 percentage points lower than the national average.

In addition, she specifically mentioned Chongqing's small and medium -sized banking institutions.According to reports, the average registered capital of Chongqing Village and Town Bank reached 84.39 million yuan, which is far higher than the entry threshold. The average capital adequacy ratio exceeds 18%, which is much higher than the regulatory standards.All of them were fully issued by the main owner, with an average shareholding ratio of 71%.The main business signed a liquidity rescue agreement with the village bank.(For more reports, please contact Wei Wei, the author of this article: [email protected]) (Zhongxin Jingwei APP) Responsible editor: Li Zhongyuan

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