The "transcript" of the bank and insurance industry of Shanghai, Hubei, and Yunnan three years: comprehensively stimulate the new momentum of the real economy development, resolutely prevent and resolve financial risks

Our reporter Su Xiangyu Yang Jie

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 past ten years. At the meeting, Ni Jinqian said in a question from the reporter of the Securities Daily that the Yunnan Banking and Insurance Bureau actively explored the experience of green financial development with Yunnan characteristics, promoted the province's green development, and achieved the best of ecological, economic and social benefits. "Securities Daily" reporter asked the financial institution to serve the real economy to achieve "quantity and quality" at the press conference. Wang Junshou said that in the past ten years, Shanghai banking assets and bank loans have increased by more than 140%, which has strongly supported the localities. Economic and social development; adhere to the "insurance surname insurance", increased from 4.08%to 4.56%, and the insurance density rose from 3421 yuan to 7917 yuan per person. The real economy and the people's sense of gain for financial work have been continuously enhanced. In the past ten years, taking the number of bank credit as an example, the balance of the manufacturing loan has nearly doubled, an increase of 96%; the average annual growth rate of inclusive small and micro loans exceeds 30%, and the financing cost has decreased significantly. In terms of insurance, the proportion of non -auto insurance businesses increased from 43%to 60%. The proportion of security products in life insurance business has increased significantly, and the return of the insurance industry has been substantially reflected. Wang Junshou, Secretary of the Party Committee and Director of the Shanghai Banking Regulatory Bureau in recent years, the state has successively introduced the three major national strategies of Shanghai's three major national strategies for the implementation of the implementation of the new area of ​​the Shanghai Free Trade Zone, the establishment of a science and technology board, pilot registration system, and supporting the Yangtze River Delta integrated. Wang Junshou said that the Shanghai Banking Regulatory Bureau focused on science and technology finance and made new progress in financial service technology enterprises. Guide bank insurance institutions through formulating differentiated business strategies, establishment of specialized organizations, cultivating professional talents, enhancing professionalization capabilities, promoting financial services innovation, strengthening cooperation with local governments, etc. Financial services with little giant companies. As of now, the balance of science and technology enterprises in Shanghai has exceeded 650 billion yuan. Shanghai Banking Insurance Industry has helped 72 Shanghai technology companies log in to the science and technology board, achieving 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's depository The average annual growth rate of loans reached 11%and 15%, respectively; the size of the insurance industry assets was 4.2 times that of ten years ago, and the average annual increase of insurance insurance and insurance compensation expenditure increased by 60%and 16%; insurance depth rose from 2.4%to 3.8%to 3.8% The insurance density rose from 923 yuan to 3252 yuan per 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. Liu Shengsheng, Secretary of the Party Committee and Director of the Hubei Banking Regulatory Bureau, led the province's banking insurance industry to implement the requirements of the Party Central Committee and the State Council's decision -making and deployment and the work requirements of the CBRC. Ni Jinqian said that in the past ten years, the scale of banking assets in Yunnan has increased from 1.9 trillion yuan to 5.4 trillion yuan, and loans exceeded the 4 trillion yuan mark. The expenditure was 205.8 billion yuan. Over the past ten years, financial water has been introduced to comprehensively stimulate the new momentum of the real economy development. Explore characteristic finance to promote the development of the green economy in Yunnan, and promote a number of nation's first green financial products to land in Yunnan. As of the end of June, the province's green credit balance was 504.3 billion yuan, helping the green energy industry became the largest industry in Yunnan. Ni Jinqian, Secretary of the Party Committee and Director of the Yunnan Banking Regulatory Bureau, has continued to build a risk -up dam to create a good financial ecological environment for ten years. The three places have actively implemented the supervision requirements of "fulfilling their duties, daring to supervise, supervised, and strict accountability." Wang Junshou said that in accordance with the requirements of the China Banking Regulatory Commission and in accordance with the reality of the China Banking Regulatory Commission, 96 regulatory documents and 146 rules and regulations were formed. Evaluate to improve the level of supervision of the rule of law. In terms of market orientation, adherence to marketization and rule of law to increase the disposal of non -performing assets. In the past ten years, a total of more than 260 billion yuan in non -performing loans. Continue to maintain a high -pressure situation, by investigating and punishing one, to achieve a warning, 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. 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. 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, a total of 702 penalties were punished, with 982 responsible persons and a penalty of 294 million yuan. In addition, in the country's first supervision and execution evaluation system, the "Hubei Model" was created by the "Tour court+arbitral tribunal".

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