Jilin, Fujian, and Shaanxi "Ten Years of Banking Insurance Industry": How to serve rural revitalization, small and micro enterprises, scientific and technological innovation

On August 11, the 289th bank and insurance industry routine press conference was held. This conference was also the third session of the "Ten Years of Banking Insurance Industry" series of themes. Xu Chunwu, director of the Jilin Banking Regulatory Bureau, Junglin, director of the Fujian Banking Regulatory Bureau, and Huang Jinbo, director of the Shaanxi Banking and Insurance Bureau, attended the press conference, and introduced in detail the development of the banking insurance industry for ten years and the measures of supervision work.

Jilin: Various loans have increased by 1.8 times, and agricultural loans have doubled

Data show that in the past ten years, the various loans of the banking industry in Jilin Province have increased by 18 times, with a total amount of close to 2.6 trillion yuan; various deposits have increased by 1.5 times, and the total amount exceeds 3 trillion yuan; The average annual increase in the guarantee amount increased by 32%, the insurance depth rose from 2.7%to 5.2%, and the insurance density rose from 856 yuan to 2911 yuan per person. Jilin's comprehensive revitalization and all -round revitalization provided solid financial support.

"In recent years, the Jilin Banking Insurance Bureau has guided bank insurance institutions to continuously improve and improve the quality and efficiency of 'three rural areas' financial services, support Jilin Province to implement the strategy of rural revitalization and the first to realize agricultural and rural modernization." The agricultural loan has doubled, and the spring plowing loan has continued to maintain an average annual growth rate of more than 6%; actively promotes the full cost insurance pilot, and the level of main food and oil crops and livestock and poultry product insurance guarantee has improved significantly.

As of the end of June this year, the balance of agricultural loans in Jilin Province was 589.2 billion yuan, accounting for 23%of various loans, and maintained a high proportion for many years; agricultural insurance premium revenue was 3.22 billion yuan, an increase of 57%year -on -year, and the insurance insurance amount was 1257 1257 100 million yuan, an increase of 69%year -on -year, 1.14 million households participating in the insurance farmer.

Xu Chunwu specifically introduced that the Jilin Banking Regulatory Bureau helped the rural revitalization and development of Jilin Province from five aspects: first, strengthen political responsibility, help to win the battle against poverty; second, strengthen financial supply, prioritize the national food security strategy; Policy leaders support the development of new agricultural business entities; fourth, strengthen resource integration and build a characteristic brand of "agriculture, rural areas, and rural areas"; the fifth is to strengthen exploration and practice, and coordinate agricultural insurance to "expand, increase product, and raise bidding."

Taking the characteristic brand of "agriculture, rural areas" as an example, the pilot "4+N" bank insurance linkage in Lishu County, Grandmakers, and the main credit increase is based on the policy of policy, grain collection and storage orders, and effectively solve the problem of mortgage guarantee; Bai Shan, Tonghua and other places innovate special loans for real estate mortgages, helping to create "Ji Zi" brands such as Changbai Mountain Black fungus and Jilin sika deer.

In terms of insurance industry, the Jilin Banking Insurance Regulatory Bureau actively promotes the development of agricultural insurance, continuously meets the demand for the diversified risk protection of the agricultural industry, and solves the "worries" of the development of "agriculture, rural areas, and rural areas." In 2022, the main crop insurance rates of major crops in Jilin Province decreased by 12%to 28%year -on -year; the cost insurance for planting cost insurance and corn and rice complete cost insurance from 6 crops reduced from 30%to 25%; corn and rice insurance The amount was increased from 200 yuan and 267 yuan per mu in 2012 to 750 yuan and 1,100 yuan for the current cost insurance; the scope of complete cost insurance implementation is expanded to all large grain -producing counties; local special product insurance has covered edible fungus, ginseng, and miscellaneous grains. 40 special categories such as miscellaneous beans.

Fujian: The total assets of the banking industry exceeded 10 trillion yuan, and the proportion of loans rose to 52%

Fujian is a large private economy province. Most of them are small and medium -sized enterprises and individual industrial and commercial households. The private economy contributes about 67%of the province's GDP, about 70%of taxes, and 80%of employment.

"In recent years, the Fujian Bureau has continuously promoted the problem of difficulty in cracking financing and expensive financing of small and micro enterprises, and effectively strengthened financial help enterprises and promoted small and medium -sized enterprises to enhance competitiveness." Jungle said. For example, a series of documents such as strengthening the guidance of private enterprises' financial services, reducing the cost of financing costs of small and micro enterprises, and establishing a system of service real economy monitoring and evaluation systems, guiding banking institutions to increase resources to private, small and medium -sized enterprises; deepen The use of credit information. Since 2015, the taxation department has established a "silver tax interaction" mechanism to achieve direct sharing of tax data, organically combining enterprise tax information with financing information, innovated and launched more than 50 products; cooperated with the provincial government to promote the financial service cloud platform Construction has gathered 4,400 data -related data from 17 government departments and public institutions, alleviating the asymmetry of bank -enterprise information, and providing due diligence surveys, risk control and other scenarios for banking institutions, and so on.

Data show that in the past ten years, small and micro -enterprise loans in Fujian have increased by 20.6 times, with an average annual growth rate of 35.9%. Among them, the average annual growth rate of inclusive small and micro enterprise loans has reached 25.6%. With 314,000 households, the average loan interest rate fell by 2.17 percentage points.

Not only small and micro enterprises, for ten years, the Fujian Banking and Insurance Bureau has focused on promoting the construction of a multi -level, wide coverage, and different bank insurance institution system. The structural reform of financial supply side has continued to deepen and promoted the high -quality development of Fujian's financial industry.

According to the Jungle Introduction, in the past ten years, the total assets of Fujian banking industry have increased by 2.8 times, and have reached a new level of one trillion trillion trillion yuan. The average annual growth of various loans of the banking industry has increased by 13.5%. Financial support in key areas and weak links has continued to increase. The average annual growth rate of small and micro enterprises and agricultural loans reached 26%and 19%, respectively.

"In the past ten years, we have insisted on strengthening supervision, governance of chaos, promoting union, and continuous advancement of financial risk prevention and resolution, creating a good financial environment. Combined with the actual situation of the jurisdiction, a series of regulatory regulatory documents were formulated and the regulatory radar and other regulatory regulations were developed. The construction of data platforms to improve the supervision and technological supervision capabilities in accordance with the law. "The jungle said that the scale of high -risk shadow banks has dropped sharply, and the proportion of various loans in the banking industry in the area has gradually increased from 38%at the lowest to 52%, and financial resources have further returned to the entity ; Establish and improve the coordination mechanism of financial risk emergency response to multi -party linkage to achieve the phased "clear zero" of high -risk institutions, and local legal entities maintain strong risk resistance and loss ability. Shaanxi: The balance of loans is 4.73 trillion, and the growth rate of loans of technology -based enterprises exceed 20% for many years

Data show that in the past ten years, the quality and efficiency of the insurance industry in Shaanxi's banking industry has improved significantly. The province's scientific and technological enterprise loans, green loans, and manufacturing loans have continued to grow rapidly, and the growth rate has remained above 20%in recent years.

Although Shaanxi is located in the west, there are hundreds of universities in Shaanxi, more than 1,000 scientific research institutions, and a large number of outstanding enterprises and outstanding talents. It can be said that innovative resources are very rich.

Huang Jinbo said that the Shaanxi Banking Regulatory Bureau attaches great importance to financial support for technological innovation. In order to better reflect the advantages of Shaanxi's "research" in the field of "production", the scientific and technological innovation chain and the local industrial chain form a joint force. In -depth investigations of financial support in technological innovation, finding the troubles of the enterprise, issuing special work opinions, strengthening the evaluation and promotion of supervision, and urging bank insurance institutions to comprehensively improve the quality and efficiency of financial support for financial support.

Data show that as of the end of June this year, the loan of scientific and technological enterprises in Shaanxi Province increased by 30%year -on -year, and nearly 10,000 households in serving enterprises. The transformation project has been supported by funding and risk protection.

"In terms of financial support scientific and technological innovation, we closely follow the love of Shaanxi Province, focusing on supporting the innovation and development of a platform and two major areas." Huang Jinbo introduced that one is to support the construction of the "Qin Chuangyuan" innovation -driven platform; the other is to support Green Technology Development; Third, focus on supporting the development of agricultural science and technology.

For example, in 2021, Shaanxi launched the construction of the "Qin Chuangyuan" innovation -driven platform and focused on building it as the "SAR" in the province's largest incubator and scientific and technological achievements. Increase the support for the self -reliance of technology. The institutions within the jurisdiction provided a package of financing solutions through cooperation with relevant government functional departments to cooperate with special support measures in the fields of CNC machine tool industry chain, aviation manufacturing and other fields. The cooperation mechanism has realized the healthy interaction between financial capital and scientific and technological resources, and continued to promote the accelerated integration of the innovation chain industry chain.

Huang Jinbo also introduced that the scale of Shaanxi banking and insurance industry assets was 2.7 times and 3.6 times the balance of each ten years ago, respectively, with a balance of 4.73 trillion yuan, an average annual growth rate of more than 13%. 3.92%, the insurance density rose from 973 yuan to the current 2956 yuan, and the average annual growth rate of the insurance industry's payout expenditure was 15%. The orderly promotion of financial risks to prevent resolution. In the past ten years, a total of 239.6 billion yuan in non -performing loans has been disposed of. The legal person's small and medium -sized banks have more than 90 billion yuan in capital, the risk resistance capacity has continued to increase, and 1006 non -standard insurance intermediaries are cleared.

Source: 21st Century Business report

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