Fully support the stability of the macroeconomic market to strive to prevent and resolve financial risks -the person in charge of the relevant departments of the China Banking Regulatory Commission talks about the development and development of the banking insurance industry in the first half of the

Xinhua News Agency, Beijing, July 21: Fully supports the stability of the macroeconomic market to prevent and resolve financial risks -the person in charge of the relevant departments of the China Banking Regulatory Commission talks about the development of the banking insurance industry in the first half of the year

Xinhua News Agency reporter Li Yanxia

In the first half of the year, how did the banking insurance industry support the real economy? What is the situation of financial risk prevention and control? At the press conference of the National New Office held on the 21st, the person in charge of the relevant departments of the CBRC answered in detail.

On July 21, a press conference was held at the Journalism Office of the State Council. Ask the spokesperson of the CBRC, the director of the law department, and Ye Yanfei, the head of the Banking Regulatory Commission Policy Research Bureau, and Liu Zhongrui, the person in charge of the statistical information and risk monitoring department, introduced the bank in the first half of 2022. The industry insurance industry is running and the development of the industry, and answers the reporter's question. Xinhua News Agency reporter Chen Yanhua

Effective supply of real economy funds grow steadily

Ye Yanfei, the person in charge of the Banking Regulatory Commission Policy Research Bureau, said that the current stable growth pressure is greater. The CBRC has issued a number of policy measures to effectively promote the quality and efficiency of bank insurance institutions to improve the real economy.

According to data from the CBRC, in the first half of this year, RMB loans increased by 919.2 billion yuan year -on -year, and bank insurance institutions invested 6.66 trillion yuan in bonds, an increase of 3.3 trillion yuan year -on -year.

Financial services in key areas are continuously optimized. Data show that infrastructure loans increased by 2.6 trillion yuan in the first half of the year; manufacturing loans increased by 3.3 trillion yuan, an increase of 1.6 trillion yuan year -on -year, of which high -tech manufacturing loans increased by 28.9%year -on -year; residential consumer loans increased by 158.9 billion yuan.

Ye Yanfei said that in the next step, the China Banking Regulatory Commission will grasp the implementation of various policies, continue to meet the effective financing needs of the real economy, strengthen financial services for weak links, strengthen industrial transformation and upgrade financial support, support infrastructure and major project construction, etc., and fully support support. Stable macroeconomic markets and high -quality economic development.

Stable inclusive small and micro enterprise loans

According to data from the CBRC, at the end of June this year, the balance of loans of small and micro enterprises across the country was 5.584 trillion yuan, of which the balance of small and micro -enterprise loans of inclusive small and micro enterprises was 2.177 trillion yuan, an increase of 22.6%year -on -year, which was 11.69 higher than the average growth rate of various loans. One percentage point. There are 36.81 million customers with a loan balance, an increase of 7.1 million year -on -year.

"In particular, the increase in the loan of inclusive small and micro enterprises in the first half of this year reached 2.69 trillion yuan, an increase of 21 billion yuan over the same period last year. Since this year, the support for small and micro enterprise loans has increased. This achievement is not easy. "A spokesman for the China Banking Regulatory Commission and director of the law department said.

How to stabilize the loan of inclusive small and micro enterprises in the next step? Xiang Xiang said that it will continue to grasp the "two increases" assessment, do a good job of monthly monitoring, urge banking financial institutions to complete the annual inclusive small and micro enterprise credit plan, and maintain the rapid growth of inclusive small and micro enterprises. At the same time, the banking financial institutions were urged to use the renewal, loan exhibition period, and adjustment of repayment plans to handle loan extensions to the market entities, and strive to "delay".

"Focusing on improving service motivation and capabilities, we provide regular supervision and evaluation of financial services of banks' small and micro enterprises, and urge bank institutions to do a good job of rectification , Do the improvement of the system and the landing at the grassroots level. "Xiang Xiang said.

Continue to increase risk prevention and control

Data show that at the end of the second quarter, the balance of non -performing loans of commercial banks was 2.95 trillion yuan, an increase of 106.9 billion yuan from the beginning of the year, and a non -performing loan rate of 1.67%, a decrease of 0.06 percentage points from the beginning of the year. The overall operation of the banking insurance industry is stable, and the risk resistance capacity has continued to increase.

Regarding the progress of the reform of small and medium -sized banks, Xiangxiang said that since this year, the CBRC has solidly promoted the reform of small and medium -sized banks, increased its supervision of shareholders' equity, continued to arrange the actual risk of small and medium banks, and vigorously promoted the disposal of non -performing assets. In the first half of the year, small and medium -sized banks dispose of 594.5 billion yuan in non -performing loans, which were disposed of 118.4 billion yuan over the same period last year.

看 来 said that in general, my country's small and medium -sized banks generally run smoothly and have controllable risks. In response to the risk issues exposed by individual institutions, it will adhere to the supervision of the people, promote the risk disposal of small and medium banks in an orderly manner, and effectively ensure the security of the people's financial property.

In response to the recent risk incidents of village and township banks, Xiang Xiang said that after the outbreak of the five village and township banks in Henan and Anhui, the CBRC publicly stated publicly that it is necessary to strictly follow the law and regulations, based on facts, and deal with the law as the criterion. All business handling in accordance with the law is protected by national laws. Relevant units have announced the announcement of five village and towns bank accounts. At present, related work is steadily promoting.

Regarding the "insurance delivery building", Liu Zhongrui, head of the Statistics and Risk Monitoring Department of the Banking Insurance Regulatory Commission, said that on June 30, a real estate in Jingdezhen, Jiangxi caused public opinion due to extension of the house delivery. The CBRC attaches great importance to this, and actively strengthens the coordination with departments such as the Ministry of Housing, Urban -Rural Development, and the People's Bank of China, and supports localities to strongly promote the work of "keeping diplomatic relations, protecting people's livelihood, and stable stability." Under the overall framework of the work arrangement of the local party committee and government, guide banks to actively participate in relevant working mechanisms, cooperate with compacting enterprises, shareholders and other parties to follow the principle of marketization and rule of law, and actively participate in reasonably solving funds for hard work hardships. Research on the gap scheme, do a good job of credit delivery, assist in promoting the rapid resumption of work, early resumption of work, and delivery early. At the same time, guide banks to strengthen communication with customers and protect the legitimate rights and interests of financial consumers in accordance with the law. Liu Zhongrui said that in the real estate credit policy, "the house is used for living, not used to speculate" positioning, maintains policy continuity and stability, effectively meets the reasonable financing needs of real estate companies, strongly supports rental housing construction, support projects support projects M & A and reorganization, meet the needs of just needed and improving housing, and strive to maintain the stable and orderly operation of the real estate market.

- END -