Deep cultivation of financial services to stabilize enterprises to relieve the company

[Report from the press conference from the National New Office]

In the first half of this year, my country fully supported the stabilization of the macroeconomic market, strived to prevent resolving financial risks, continued to deepen the structural reform of financial supply side, and promoted high -quality development of the banking insurance industry. At the press conference of the National New Affairs Office held on July 21, the relevant person in charge of the CBRC conducted a detailed explanation of the relevant situation of the banking and insurance industry's operation and development in the first half of this year.

Fully support stable growth and stable market entities to employment stable

"In the first half of the year, the China Banking Regulatory Commission fully supported the stable growth and stable market entities and stabilized employment, continued to implement the extension of the principal and interest payment policy, and guided the bank insurance institutions to take the initiative to make continued financing arrangements to help enterprises in difficult industries bred and stabilize. Carry out infrastructure construction and promote the continuous recovery of consumption. "Said Xiang Xiang, a spokesman for the China Banking Regulatory Commission and director of the law department.

At the same time, the banking insurance industry actively helps economic transformation and upgrading, and better serves scientific and technological innovation and "specialized new" enterprises. Data show that in the first half of this year, the growth rate of loans in scientific research and services exceeded 30%; manufacturing loans increased by 3.3 trillion yuan, an increase of 1.6 trillion yuan year -on -year, of which high -tech manufacturing industry increased by 28.9%year -on -year. Financially help energy supplies, stable supply chain, and green low -carbon transformation, and 21 major banks have a green credit balance of 18.6 trillion yuan.

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, a total of 1.41 trillion yuan of non -performing assets was disposed of, with a year -on -year disposal of 219.7 billion yuan.

Preliminary statistics, at the end of the second quarter, the coverage rate of commercial banks in my country was 203.8%, and the capital adequacy ratio was 14.87%. At present, the average comprehensive settlement capacity of insurance companies reached 224.2%, maintaining strong risk resistance.

Help enterprise rescue efforts continue to increase

In order to help stabilize the macroeconomic market, banking institutions have continuously increased their support for small and micro -enterprise credit to help small and micro enterprises relieve difficulties and resume development.

On the basis of high -speed growth in the past few years, in the first half of this year, the loan of inclusive small and micro enterprises has continued to maintain a good trend as a whole. As of 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 the loan of inclusive small and micro enterprises was 2.177 trillion yuan, a year -on -year growth rate of 22.6%.

"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. These data reflect the support for small and micro -enterprise loans since this year. Last year, it was increased. "Xiang Xiang said.

Affected by the exceptional factors such as a multi -point rebound in the epidemic and turbulence in the international situation this year, the production and operation of small and micro enterprises faced greater difficulties, and the demand for valid credit has declined. To this end, the Banking Regulatory Commission promptly introduced 42 policies to help enterprises, and basically stabilized credit support for small and micro enterprises. In May and June of this year, the increase in loans of inclusive small and micro enterprises reached 330 billion yuan and 930 billion yuan, respectively, which strongly reversed the momentum of total declines in April.

稳 稳 pointed out that in order to stabilize the loan of the inclusive small and micro enterprises, we must continue to expand the increase in credit; second, we must stabilize the amount of credit; third, we must improve the quality and efficiency of service; and fourth to improve the long -term mechanism. At the same time, deal with the relationship between development and risk prevention, and ensure the sustainability and security of inclusive finance.

The quality of bank assets is stable as a whole

Bank insurance institutions have continued to increase support for the real economy, and the effective supply of funds in the real economy has grown steadily. In the first half of this year, RMB loans increased by 13.68 trillion yuan. The balance of insurance funds at the end of June reached 24.46 trillion yuan.

Ye Yanfei, the person in charge of the Banking Regulatory Commission Policy Research Bureau, said that in the second half of the year, the CBRC will grasp the implementation of various policies and fully support the stable macroeconomic market and high -quality economic development, including promoting financial supply to improve quality and efficiency, and continue to meet the real economy effectiveness Financing demand; strengthen financial services for weak links, support the employment of residents' employment and guarantee market entities; strengthen industrial transformation and upgrading financial support, stimulate new impetus for economic development; support infrastructure and major project construction, help expand effective investment; focus on dredging the national economic cycle blocking point Support the construction of a new development pattern.

In recent years, my country's defense and resolving financial risks have achieved staged results. In the past five years, the banking industry has accumulated a total of 11.5 trillion yuan in non -performing loans, exceeding the sum of the previous 12 years.

"At present, my country's bank's asset quality has maintained a stable trend as a whole, and the risks are generally controllable." Liu Zhongrui, head of the Statistics and Risk Monitoring Department of the CBRC, said that the next step will continue to urge banks to strictly implement the risk of financial assets and be fully provided. Continue to optimize the policy arrangements for the disposal of non -performing assets to increase the decision -making and disposal of non -performing assets; actively accelerate the promotion of special bonds to supplement the capital of small and medium banks, and urge small and medium banks to strengthen the quality management of assets.

(Reporter Wen Yuan)

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