Comprehensively stimulate the development of the real economy, the new kinetic energy is resolutely preventing and resolving financial risks

On September 15, the China Banking Regulatory Commission held a series of theme press conferences of the "Ten Years of Banking Insurance Industry". Ni Jinqian, Secretary of the Party Committee and Director of the Bureau, introduced the reform and development of the banking insurance industry and the effectiveness of regulatory work in the area in the area in the past ten years.

In the past ten years, the three places have achieved significant results in the reform and development of the banking industry. When answering the question of the "Securities Daily" reporter, Ni Jinqian introduced the work of the Yunnan Banking Insurance Bureau in the development of green finance: First, focus on increasing supervision and leadership and injecting the "strong heart" to the green development policy. As of the end of June this year, the province's green credit balance was 504.3 billion yuan, an increase of 1.62 times over the same period in 2013. The second is to strengthen innovation -driven and add funds to green development. Vigorously guide bank insurance institutions to increase the innovation of financial products and service methods, and promote the first single "carbon neutrality+rural revitalization" ultra -short -term financing voucher, "green bond+rural revitalization+sustainable development linked" sustainable mid -term notes in Yunnan, Innovate the launch of forestry carbon exchange income pledge loans, forestry carbon exchange index insurance and other products. The third is to focus on strengthening insurance protection and weaving the "insurance network" for green development.

In the past ten years, the Yunnan Banking Insurance Regulatory Bureau has continued to introduce financial water to comprehensively stimulate the new kinetic energy of the real economy development, explore characteristic finance, promote Yunnan's green economic development, and promote a number of nation's first green financial products to land in Yunnan. As of the end of June this year, the province's green credit balance was 504.3 billion yuan, helping the green energy industry became the largest industry in Yunnan.

Wang Junshou said that in terms of returning to the origin, in the past ten years, Shanghai banking assets and bank loans have increased by more than 140%, which has strongly supported local economic and social development; adherence to "insurance surname insurance", insurance depth has increased from 4.08%to 4.56%. Insurance density rose from 3421 yuan/person to 7917 yuan/person. The real economy and the people's sense of gain for financial work have been continuously enhanced.

Since the establishment of the science and technology board and piloting the registration system, the Shanghai Banking Regulation Bureau has taken the initiative to actively serve the implementation of the national strategic implementation. According to Wang Junshou, as of now, the balance of science and technology enterprises in Shanghai's jurisdiction has exceeded 650 billion yuan. Shanghai Banking Insurance Industry has helped 72 Shanghai technology companies to land on the science and technology board to achieve the successful docking of direct financing and indirect financing.

"In the past ten years, Hubei banking insurance industry has achieved leapfrog development." Liu Shengsheng introduced a set of data: the scale of banking assets was 2.8 times that of ten years ago, crossing the 10 trillion yuan mark; the banking industry deposits and loans The average annual growth rate reaches 11%and 15%; the size of the insurance industry assets is 4.2 times that of ten years ago, and the average annual growth rate of insurance insurance and insurance compensation expenditure is 60%and 16%, respectively; the depth of insurance has increased from 2.4%to 3.8 to 3.8, respectively. %, The insurance density rose from 923 yuan/person to 3252 yuan/person. The number of foreign banks in Hubei ranks first in the central part, and the number of non -bank institutions in the middle is second, and the insurance market system is increasingly perfect.

Over the past ten years, the three places have actively implemented the supervision requirements of "fulfilling their duties, daring to supervise, good supervision, and strict accountability."

Wang Junshou said that the Shanghai Banking Regulatory Bureau combined with the actual situation within its jurisdiction, and initially formed 96 regulatory documents and 146 rules and regulations. In the past ten years, a total of more than 260 billion yuan in non -performing loans; 556 penalties for penalties, 279 people with penalties, and no total amount of penalties exceeding 420 million yuan. Continue to maintain a high -pressure situation, and through "investigating and punishing one" to achieve the effect of "warning one and governing a domain".

The Hubei Banking Regulatory Bureau adheres to the bottom line of thinking, and the financial risk is generally controllable. According to Liu Shengsheng, regulatory indicators such as non -performing loans and coverage rates of Hubei banking industry are better than the national average, and the liquidity ratio of legal person banking institutions ranks first in six provinces in the central part. In the past ten years, a total of 390 billion yuan in non -performing assets has been disposed of; 702 punishment institutions have been punished, 982 were punished, and the amount of penalties was 294 million yuan. Formulate risk disposal and file upgrade plans for small and medium -sized financial institutions in rural areas, and continuously enhance risk resistance capabilities. Realizing towers to reverse, and the interbank business and trust channels continued to drop.

"In the past ten years, we have continued to build risk dams and focus on maintaining a new situation of safe and stable operation." Ni Jinqian said that the Yunnan Banking Insurance Bureau has continued to strengthen the monitoring and analysis of the evolution of credit risk. At the end of June, the non -performing rate of banking in the province decreased by 1.9 percentage points from the highest peak and a decrease of 58%. The preparation coverage rate was higher than the national average of 82.5 percentage points, and the risk replacement capacity was at a reasonable level.

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