What are the highlights of Shanghai, Hubei, and Yunnan's "Bank Industry Insurance Industry": scientific and technological supervision, small agricultural support, and help to get rid of poverty?

21st Century Business Herald reporter Li Yue Beijing report

On September 15th, the 292th bank and insurance industry routine press conference was held. This conference was the sixth session of the "Ten Years of the Banking Insurance Industry" series of themes. Wang Junshou, director of the Shanghai Banking Regulatory Bureau, Liu Shengsheng, director of the Hubei Banking Regulatory Bureau, and Ni Jinqian, director of the Yunnan Banking Regulatory Bureau, attended in detail the development of the banking insurance industry for ten years and supervision work.

Shanghai: 0.85%of the adverse rate, asset quality is in the country's best ranks

Data show that in the past ten years, the growth of Shanghai banking assets and bank loans has increased by more than 140%, which has strongly supported local economic and social development; adherence to the "insurance surname insurance", the depth of insurance has increased from 4.08%to 4.56%. People rose to 7917 yuan per person.

Over the past ten years, the balance of manufacturing loans has nearly doubled, an increase of 96%; the average annual growth rate of inclusive small and micro loans has exceeded 30%, and financing costs have fallen sharply.

"As of the end of August, the adverse ratio of the Shanghai banking industry was 0.85%, and the quality of assets was in the country's best ranks. Actively and steadily promoted the risk resolution and disposal of some non -silver high -risk institutions. Strengthen the total score of two levels of linkage to explore a benign withdrawal mechanism. Steady to promote the special rectification of online loan risks, it is the first to be realized in key areas with high concentration of online loan institutions across the country. "Wang Junshou said.

In terms of regulatory work, Wang Junshou said that the Shanghai Banking Insurance Regulatory Bureau was one of the earliest dispatch agencies to supervise technology. Under the guidance of the CBRC, it continued to strengthen science and technology to promote digitalization of regulatory supervision and build and improve the EAST and Big Data Research Center. The intelligent regulatory system with the intelligent PLUS work center and the intelligent inspection laboratory has achieved practical results in actual combat. In terms of strict accountability, we continue to maintain a high -pressure situation. By investigating and punishing one, a warning is achieved, and the effect of governing a domain. In the past ten years, a total of 556 bank insurance institutions have been punished, with 279 responsible persons, and the penalty has not exceeded 420 million yuan.

"Especially this year, we combined with the theme year of the" Internal Repair Ecology, Outer Plastic Image "proposed by the Shanghai Banking Regulatory Bureau, and have made 62 administrative penalties, and the double penalty rate has increased significantly to more than 80%." Wang Junshou introduced.

Shanghai is a gathering place for foreign financial institutions. At present, there are more than 50 insurance legal institutions of foreign banks in Shanghai, more than 100 foreign -level provincial branches, and 77 foreign bank insurance offices.

Focusing on science and technology finance, as of now, the balance of science and technology enterprises in Shanghai has exceeded 650 billion yuan. Essence Guidance in Shanghai insurance institutions continued to solidly promote loan performance insurance such as "science and technology loans" and "micro -loan" for small and medium -sized enterprises for science and technology -based small and medium -sized enterprises. A total of 3,500 small and medium -sized enterprises in service technology -based small and medium -sized enterprises were supported, and the amount of loan was more than 13 billion yuan.

Focusing on the construction of the new area of ​​the Port of the Pilot Free Trade Zone, the Shanghai Banking Regulatory Bureau tailored the "big gift package" of the Lingang new area area. Promoting the implementation of the iconic project of opening up to the outside world, the nation's first foreign -funded joint venture wealth management company was established in the new area of ​​Lingang; continuously improved the gathering of different types of institutions, and approved the establishment of branches in the Lingang New Terminal area to support three banks offshore or cross -cross The private fund management company established by the China Financial Services Center and a large insurance asset management company settled in Lingang. Carry out innovative cases such as financial leasing to accurately connect industries and enterprise needs. Construction of financial risk monitoring systems with Lingang New Section, empowering science and technology, and through big data and blockchain technology to help the Lingang New Area area improve the financial risk monitoring system.

Hubei: County loans increased 3.9 times, and agricultural loans increased 3.5 times

Data show that the scale of banking assets in Hubei under the jurisdiction is 2.8 times that of ten years ago, over the 10 trillion yuan mark; the average annual growth rate of deposits and loans in the banking industry reached 11%and 15%, respectively. At 4.2 times ten years ago, the average annual increase of insurance insurance and insurance compensation expenditure increased by 60%and 16%; the insurance depth rose from 2.4%to 3.8%, and the insurance density rose from 923 yuan to 3252 yuan per person.

In the past ten years, the institutions in Hubei have accumulated a total of 390 billion yuan in non -performing assets, with a total of 702 penalties, 982 responsible persons, and a penalty of 294 million yuan. Regulatory indicators such as non -performing loan ratio and preparation coverage rate are better than the national average, and the liquidity ratio of legal person banking institutions ranks first in six provinces in the central part. The scale of green credit was 6 times compared to ten years ago.

"The number of foreign banks in Hubei ranks first in the central part, and the number of non -bank institutions in the middle of the number is second, and the insurance market system is increasingly perfect." Liu Xuesheng said.

Over the past ten years, the county's county loan has increased 3.9 times, agricultural loans have increased 3.5 times, small and micro enterprise loans have increased 4.7 times, and the "small agricultural branch small" has achieved remarkable results.

Liu Xuezheng said that the Hubei Banking Regulatory Bureau mainly did four aspects:

The first is to actively explore the new model of "supporting agricultural support". Over the past ten years, it has adhered to the innovation -driven strategy, and has formed a Hubei brand such as "dual -base and double -winning cooperation loans", "financial service grid" and "new political and silver cooperation cooperation", and completed three innovative upgrades of inclusive financial models. Credit information platforms such as "Errian Tong" and "Han Rongtong" have been constructed, and "no seeing" services such as coded credit and credit credit have been promoted, and the experience of digital inclusive finance Hubei has contributed. The power of consolidating policies, the power of banking insurance, and the power of the countryside, adhere to the "four steps" plan, clarify the "four major" demonstration vision, and open up the Hubei path of the financial service rural revitalization and innovation demonstration area. The second is to focus on building a new mechanism for financial supply. Explore differentiated supervision measures, and build a mechanism for small and micro enterprises "dare to loan, wish loan, loan, loan, and loan". Establish a county financial return nuclear feedback mechanism, and tilt the county's institutional management, credit quota, funds pricing, and risk control measures. The county's deposit and loan ratio reaches 65%.

The third is to accurately connect the new needs of inclusive finance. Focus on agricultural characteristic industries and leading enterprises, implement the "financial chain long system" for the 10 major agricultural industry chains to ensure the financial needs of industrial revitalization. Focusing on 55 major grain -producing counties, issuing agricultural loans of more than 1 trillion yuan, developing local advantages and specialty agricultural insurance according to local conditions to ensure the financial needs of "rice bags" and "vegetable baskets". Adhere to supporting entrepreneurial employment in a prominent position. This year, special policies such as new citizens' financial services work and optimization of renewal services are introduced to promote tax credit loans, entrepreneurial guarantee loans, Qingchuang loan and other products, and carry out "first loan expansion operations". Guarantee financial demand for market entities to maintain employment.

The fourth is to fully inject new driving force for poverty alleviation. Guide institutions within their jurisdiction to focus on 38 poverty alleviation counties to continue their issuance, accumulating a total of more than 32 billion yuan in small amounts of small credit in poverty alleviation, and supporting 750,000 poverty alleviation households to develop production. Promoting insurance guarantees such as "anti -poverty protection" and "rural rejuvenation insurance" cover 80 counties and cities, the amount of rescue reaches 340 million yuan, and helps those in need of 146,000 households.

In addition, Liu Shengsheng also introduced that over the past ten years, Hubei Bank's insurance industry has continuously increased the promotion of science and technology finance, and has been approved by multiple national pilot areas and demonstration areas to build the "East Lake model" of science and technology finance. By the end of June this year, the balance of loans from scientific and technological 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, Hubei Provincial Science and Technology Insurance provided approximately 300 billion yuan in risk protection for nearly 4,000 technology companies.

Yunnan: Loan balance in the poverty alleviation area ranks second in the country

Data show that in the past ten years, the size of the banking industry in Yunnan has increased from 1.9 trillion to 5.4 trillion yuan, and the loan has exceeded the 4 trillion mark. The scale of insurance assets has increased from 38.1 billion yuan to 152.9 billion yuan. Essence

As of the end of June, the balance of green credit in Yunnan Province was 504.3 billion yuan, and the green energy industry became the largest industry in Yunnan Province. At the end of June, the non -performing rate of the banking industry in Yunnan fell by 1.9 percentage points than the highest peak. The level is 82.5 percentage points, and the risk replacement ability is at a reasonable level. The cumulative penalty for bank insurance institutions exceeds 200 million yuan.

Yunnan was one of the provinces with the most poverty and the deepest poverty. The poor households of the establishment of the files in Yunnan accounted for one -tenth of the country. At present, there are still 88 poverty alleviation counties and 27 national rural rejuvenation points in the province. Help county.

Ni Jinqian said that the Yunnan Banking Insurance Regulatory Bureau conscientiously implemented the decision -making deployment of the Party Central Committee and the work arrangements of the China Banking Regulatory Commission, helping the children of all ethnic groups in Yunling to solve absolute poverty, and move forward in the great practice of building a well -off society in an all -round way.

The first is to strengthen supervision and leadership to help people from all ethnic groups remove the "poor hat" of poverty. The "golden key" of financial policies has been made to introduce financial support for poverty alleviation and consolidate poverty alleviation to promote a series of institutional methods for rural revitalization. Focus on the key areas and key links of rural revitalization, improve supporting measures year by year, and provide action guidelines and work starts for creating financial services "Yunnan Models". At the end of June, the balance of agricultural loan -related loans in Yunnan Province was 1.38 trillion yuan, a year -on -year growth rate of 3.68 percentage points higher than the province's various loans; loan balance in poverty alleviation was 944.9 billion yuan, and agricultural insurance insurance volume was 78.8 billion yuan. Two.

"In the past ten years, through a series of pragmatic and management regulatory measures, it has helped 88 poverty -stricken counties in the province to remove hat, 8502 poverty -stricken villages, and 9.33 million rural poor people are poverty alleviation." Ni Jinqian said.

The second is to enrich financial supply and help the people of all ethnic groups go to the "new way" of getting rich. Organize the three special actions of "county financial services to improve quality and efficiency", "rural revitalization financial innovation", "optimization and improvement of rural financial services environment", and further promote the structural reform of rural revitalization financial supply side. Around Yunnan to build a world -class "green food brand" and "one county, one industry" and "one village, one product" and other strategic deployments, guide the banking insurance industry to continue to increase the financial support for key industries such as tea, flowers, and Chinese medicinal materials. More than 80 credit products such as "cloud characters" have opened more than 600 commercial specialty agricultural insurance insurance, helping "cloud flowers", "cloud leaves" incense world, "cloud grass" and "cloud products" are full of worldwide.

The third is to improve the basic financial services and help the people of all ethnic groups to live a happy "good day".To give full play to the advantages of the three -level financial service system of the county, township, and villages, and improve the farmer's credit information files, it has established credit information files for more than 986 farmers, and 97%of the establishment of file rating coverage.Accelerate the rating of the new type of agricultural business entity credit information, and complete the rating of 118,200 new agricultural business entities.Against chart battles for rural financial services for rural financial services in Yunnan Province, one year in advance achieves the goal of "basic financial services cannot be exit villages and comprehensive financial services cannot be out of the town".Ni Jinqian also introduced that over the past ten years, the Yunnan Banking Insurance Bureau has continued to deepen financial reform and strives to create a new pattern of leapfrog development.Adhering to the introduction of external institutions and promoting the reform of internal institutions, the increase in the financial institutions of the legal person banking industry in Yunnan Province has increased from 163 to 214, and the provincial branches of insurance have increased from 32 to 44.The institutional system is becoming increasingly perfect.

(Coordinating: Ma Chunyuan)

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