The CBRC: In the first half of the year, the non -performing assets were disposal of 1.41 trillion yuan, and the disposal of 219.7 billion yuan year -on -year

[Dahecai Cube News] On the afternoon of July 21, the National New Office held a press conference on the development of the banking insurance industry in the first half of 2022.

A spokesman for the China Banking Regulatory Commission and director of the Regulations Department, Xiang Xiang said in the supervision of the banking insurance industry in the first half of the year, said that since this year, the CBRC has conscientiously implemented the decision -making and deployment of the Party Central Committee and the State Council, and fully support the stabilization of the macroeconomic market, focusing on the efforts to stabilize the macroeconomic market, and strive to focus on Prevent and resolve financial risks, continue to deepen the structural reform of financial supply side, and promote high -quality development of the banking insurance industry.

The first is to fully support the stable growth and stability of market players. In the first half of this year, RMB loans increased by 919.2 billion yuan year -on -year, and bank insurance institutions invested 6.6 trillion yuan in bonds, an increase of 3.3 trillion yuan year -on -year. At the end of June, inclusive small and micro loans increased by 22.6%year -on -year, and comprehensive financing costs continued to decline. Continue to implement the extension of the principal and interest payment policy, and guide the bank insurance institutions to take the initiative to make continued financing arrangements to help enterprises in difficult industries rely on and stabilize. Support moderately advanced infrastructure construction, in the first half of the year, infrastructure loans increased by 2.6 trillion yuan. Promoting consumption recovery, residents' consumer loans increased by 158.9 billion yuan.

The second is to help economic transformation and upgrading high -quality development. Supervisory banks to better serve scientific and technological innovation and "specialized new" enterprises, and scientific research and service industry loans have grown by more than 30%. Promoting the high -quality development of the financial service manufacturing industry. In the first half of the year, manufacturing loans increased by 3.3 trillion yuan, a year -on -year increase of 1.6 trillion yuan, of which the high -tech manufacturing industry increased by 28.9%year -on -year. Helping energy insurance supply, stable supply chain, and green low -carbon transformation, the green financial guidance of the banking insurance industry was released, and 21 major banks' green credit balance was 18.6 trillion yuan. Introduce the notice on strengthening the "new citizen" financial services, and make every effort to improve the quality and efficiency of new citizens' financial services.

The third is to continue to increase risk prevention and control. As of the end of June, the overall operation of the banking insurance industry has been steadily operating, the risk resistance capacity has continued to increase, the banking capital and preparation levels and insurance solvency are sufficient. Support local governments to issue special bonds to supplement small and medium bank capital and broaden capital supplementary channels. Continue to increase the disposal of non -performing assets. In the first half of the year, the disposal of non -performing assets was 1.41 trillion yuan, which was 219.7 billion yuan year -on -year. Continuously dropped the high -risk shadow banking business. In the first half of the year, the total entrusted loans and trust loans were reduced by 380.6 billion yuan. Adhere to the positioning of "housing and not stir -fry", because the city's policy implements differentiated housing credit policies, supports rigid and improved housing needs, and stabilizes the risk of real estate. Pay closely monitor the scale of the scale of the real economic debt and the ability to settle the solvency, and effectively prevent and control the risk of debt. Preliminary statistics, at the end of the second quarter, commercial banks allocated 203.8%, and the capital adequacy ratio was 14.87%. At present, the average comprehensive settlement capacity of insurance companies is 224.2%, maintaining a strong risk resistance.

The fourth is to deepen the structural reform of the financial supply side. Continue to improve the framework of regulatory laws and regulations, improve the long -term mechanism of risk prevention and control, and the basic framework of the financial stability guarantee fund is initially established, and the first batch of 64.6 billion yuan of funds will be raised in place. Continue to strengthen the governance of bank insurance institutions and carry out special rectification of equity and affiliated transactions. It has disclosed 124 illegal shareholders to the society five times. Implement the support policies for mergers and reorganizations of small and medium -sized banks, and encourage high -quality banking institutions to participate in mergers and acquisitions and regional integration. Standardize the development of the third pillar of pension insurance, the pilot area of ​​exclusive commercial pension insurance expands to the country, and the amount of pension financial management subscription exceeds 60 billion yuan. Strengthen the empowerment of fintech and promote the intelligent transformation of digitalization of the banking insurance industry.

In the next step, the CBRC will continue to be deployed in accordance with the decision -making and deployment of the Party Central Committee and the State Council to perform their duties and responsibilities, and conscientiously do a good job of stable growth, risk prevention, and reform.

Responsible editor: Tao Jiyan | Review: Li Zhen | Director: Wan Junwei

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