In the past ten years, what "surprises" have brought by Shanghai, Hubei, and Yunnan banking insurance industry?

Zhongxin Jingwei, September 15th (Ma Jing) On the 15th, the China Banking Regulatory Commission held the 292 bank industry insurance industry routine press conference.

In the past ten years, what achievements in Shanghai have made? How can Hubei cleverly use financial power to promote the construction of strong science and technology provinces? What is the secret behind the Yunnan Diexi? At the press conference, Shanghai, Hubei, and Yunnan Bank Insurance Supervision Bureau used the "data speaking" to introduce the development of the banking insurance industry in the area in the area over the past ten years.

The first ten years of the three -year -old bank industry insurance industry: steady development

According to Wang Junshou, secretary of the Party Committee and Director of the Shanghai Banking Regulatory Bureau, in the past ten years, the growth of Shanghai banking assets and bank loans has increased by more than 140%; the depth of insurance has increased from 4.08%to 4.56%, and the insurance density has increased from 3421 yuan to 7917 yuan per person to 7917 yuan Everyone. In terms of preventing and resolving major risks, a total of more than 260 billion yuan in non -performing loans. In terms of serving the real economy, taking the number of bank credit as an example, the balance of manufacturing loans in Shanghai in the past ten years has recently doubled; the average annual growth rate of inclusive small and micro loans has exceeded 30%, and financing costs have fallen sharply.

Liu Shengsheng, Secretary of the Party Committee and Director of the Hubei Banking Regulatory Bureau, said that in the past ten years, the size of Hubei banking assets was 2.8 times that of ten years ago, over the 10 trillion yuan mark; 11%and 15%; the scale of insurance industry assets was 4.2 times that of ten years ago, and the average annual growth of insurance insurance and insurance compensation expenditure was 60%and 16%, respectively; insurance depth rose from 2.4%to 3.8%, and the insurance density was 923 yuan from 923 yuan. Each person rises to 3252 yuan per person. The regulatory indicators such as non -performing loans and coverage rates of Hubei Banking industry are better than the national average. In the past ten years, a total of 390 billion yuan in non -performing assets.

Ni Jinqian, Secretary of the Party Committee and Director of the Yunnan Banking Regulatory Bureau, mentioned that in the past ten years, the size of Yunnan banking assets has increased from 1.9 trillion yuan to 5.4 trillion yuan, and loans have exceeded the 4 trillion mark; It increased to 152.9 billion yuan, and the cumulative paid expenses were 205.8 billion yuan. At the same time, a total of 357.2 billion yuan in non -performing loans has been disposed of in the past ten years. At the end of June 2022, the non -performing rate of banking industry in the province decreased by 1.9 percentage points compared with the highest peak. The preparation coverage was higher than the national average of 82.5 percentage points.

Shanghai: Do a good job of "three focus" and achieve three "new"

At the opening ceremony of the first Expo, Shanghai, as one of the windows of China's financial reform and opening up, ushered in three tasks: adding a new area of ​​the Shanghai Free Trade Zone, setting up a science and technology board, pilot registration system, and supporting the development of the Yangtze River Delta. Wang Junshou said that in order to complete these three major tasks, the Shanghai Banking Regulatory Bureau mainly made the "three focus" and achieved three "new".

First of all, focus on the construction of the Lingang New Trinity Zone of the Pilot Free Trade Zone, and has new achievements in the construction of the new area of ​​Lingang. For example, the nation's first foreign -funded joint venture wealth management company, offshore or cross -border financial service centers, and a large insurance fund management company set up in a large insurance asset management company all settled in the new area of ​​Lingang.

Secondly, focusing on science and technology finance has made new progress in financial service technology companies. Data show that as of now, the balance of scientific and technological enterprises in Shanghai has exceeded 650 billion yuan. The Shanghai Banking Insurance Industry has helped 72 Shanghai technology companies to land on the science and technology board, achieving the successful docking of direct financing and indirect financing. In addition, the performance insurance for loan performance guarantee for "technology loans" and "micro -loan" for science and technology -based small and medium -sized enterprises has been used to serve 3,500 small and medium -sized enterprises in technology -based small and medium -sized enterprises, supporting the loan amount of more than 13 billion yuan.

Thirdly, focusing on the development of the Yangtze River Delta integrated, there are new breakthroughs in the smooth flow of financial resources. At present, the bank opening and inter -provincial credit standards in the demonstration area have been realized. The "Xinyi Loan" platform and the green insurance risk management platform across the provincial region of the demonstration area have successively landed.

In March of this year, the Shanghai epidemic caused widespread concern in the society. Wang Junshou also introduced how finance won the effectiveness of the measures of this "epidemic hindrance".

Wang Junshou mentioned that the Shanghai Banking Regulatory Bureau jointly issued the work mechanism of "bailout financing", proposed measures such as relaxation conditions, restricting financing costs, implementation list systems and negative list management, and accurately support small, medium and micro enterprises and individuals and individuals. Industry and commercial households. As of the end of July this year, a total of 174.1 billion yuan in bailout financing was launched, which indirectly provided employment support for more than 2.6 million people. In accordance with the "zero threshold application, zero fee processing, zero -cycle renewal loan" principle of 30, the "10 billion billion" project is promoted. As of the end of July this year, a total of more than 600 billion yuan in seamless renewal was invested.

At the same time, the Shanghai Banking Regulatory Bureau actively promoted online services to open up green channels in credit financing, insurance compensation, credit card repayment, repayment of repayment of interest payment, and reduction of money. As of the end of July, the cumulative cost of banking institutions to invest in epidemic prevention and control loans was 3.72%, which was more than 62 million yuan for enterprises and individuals who had severely affected the epidemic. Insurance institutions provide "medical staff infection statutory infectious disease insurance" for free of 250,000 medical personnel for free, and pay more than 140 million yuan in compensation; expand the new crown liability on more than 2,700 insurance products, with a compensation amount of more than 42 million yuan. Through urban custom -based commercial medical supplementary insurance "Shanghai Hui Insurance", the citizens reduce the cost of more than 1.1 billion yuan for citizens.

Hubei: Help Science and Technology Strong Provincial Construction

According to Liu Xuesheng, by the end of June this year, the balance of loans of science and technology enterprises in Hubei Province was 385 billion yuan, of which nearly one -third of the loan of science and technology enterprises in the Optics Valley High -tech Zone. In the past ten years, the province's science and technology insurance has provided approximately 300 billion yuan in risk protection for nearly 4,000 technology companies. Liu Shengsheng said that in obtaining these practical results, the Hubei Banking Regulatory Bureau focused on four aspects:

The first is to innovate the technology and financial supervision policy system of "1+3+3": First, to introduce guidance to promote the reform and innovation of science and technology financial reform, clarify the joint growth, sharing risk and sharing results of financial institutions and science and technology enterprises; Guide innovation to solve the company's lack of credit investment and loan linkage model, solve the financial service network pattern model of corporate lack of information, and solve the full cycle financial service pilot model of enterprise lack of products; the third is to establish innovation tolerance, scientific and technological financial statistical analysis, assessment notification three Item supervision system.

The second is to encourage the establishment of science and technology finance specialized institutions, and continue to promote the reform of the "separation of licenses and licenses", improve the quality and efficiency of approval, and stimulate market vitality. As of now, there have been 19 science and technology banking branches in Wuhan Donghu High -tech Zone, 51 science and technology insurance operators and service agencies. The "East Lake Model", which builds a full life cycle service system for technology companies, has a certain demonstration role in the country.

The third is to carry forward the spirit of the "Store Primary Er" of "Emperor" and further promote the structural reform of the supply -side supply side of science and technology and finance. Specifically, including the launch of "science and loan" and "high -tech loan", such as credit products close to the needs of science and technology enterprises; for the characteristics of "light assets, heavy knowledge" of science and technology enterprises, continue to optimize intellectual property pledge financing models and efficiency; carry out "specialized specialty Special New Enterprise Spring Wind Action "implemented the" organizational bank "system. The credit coverage rate of" specialized new "enterprises in Hubei Province has exceeded 80%.

The fourth is to promote the "four -in -one" re -guarantee model in the province. Provide strong risk guarantees for financing enterprises.

Yunnan: Exploring the experience of green financial development with the combination of provincial conditions

According to Ni Jinqian, the Yunnan Banking Insurance Regulatory Bureau guided the province's banking insurance industry to fully help push poverty alleviation, and accumulated a total of 622.3 billion yuan in precision poverty alleviation loans to complete the "whole family credit granting of the young people such as the Dulong, Nu, and Pumen, ", Help nine" direct ethnic groups "throughout the province to get rid of poverty. At the same time, focusing on the development of key industries and transportation infrastructure for financial support, the average annual growth rate of transportation and loans in the province is as high as 16.23%. The mileage of highway opening ranks second in the country, and the number of airlines in South Asia and Southeast Asia ranks first in the country. In addition, in response to the actual actual situation of the Yunnan earthquake frequency and great impact, guiding insurance institutions in the country's first earthquake -grade seismic seismic index insurance. After the 6.4 magnitude earthquake in Dali Yangyu in May last year, 40 million yuan of insurance compensation was paid 22 hours after the disaster.

"Yunnan is an ecological security barrier in southwestern China. It assumes an important responsibility of ecological security in regions, nationwide, and international." Ni Jinqian also focused on the practical results of Yunnan in three aspects from green finance.

The first is to focus on increasing regulatory leadership and injecting policies for green development. Including a comprehensive establishment of a green credit work system, and effectively increasing credit support for green development. In response to the regional characteristics of the rich hydropower resources in Yunnan, actively guide the bank institutions in the under its jurisdiction to formulate special credit guidelines such as the clean energy industry such as hydropower, set up green channels for the approval of clean energy projects, and give discounts in authorized pricing and guarantee access.

The second is to strengthen innovation -driven and add funds to green development. Promote the first single "carbon neutrality+rural revitalization" ultra -short -term financing voucher, "green bond+rural revitalization+sustainable development link" permanent mid -term bill to Yunnan, innovative launch of forestry carbon exchange income pledge loans, forestry carbon exchange indexes Insurance and other products, they fully support Pu'er City to build the only green economic trial demonstration zone in the country to help achieve the "double carbon" goal.

"During this period last year, everyone was very concerned about the incident of Elephant Elephant in Asia. We followed up as soon as possible to urge the underwriting company to carry out rapid investigation and claims on the loss of residents along the line. Yuan. "Ni Jinqian said that the third aspect is the" insurance network "that focuses on enhancing insurance protection and weaving a dense finance for green development. In addition to the public liability insurance of wild animals, it also guides insurance institutions to launch disaster insurance for forest fire insurance, forest insurance, and coffee, cows, dairy cows and other types of agricultural and animal husbandry, which provides rich in the development of forestry and green agriculture and animal husbandry industry. Insurance insurance.

(For more report clues, please contact the author Ma Jing, mailbox: [email protected]) (Zhongxin Jingwei APP)

Copyright Copyright Copyright, without written authorization, no unit or individual may reprint, extract or use it in other ways.

Editor in charge: Li Zhongyuan

Pay attention to the official WeChat public account of JWVIEW (JWVIEW) to get more elite financial information.

- END -