"Ten Years Development Samples" of the bank insurance industry: financial service real economy capabilities to improve risk resolution have achieved important results

On July 12, at the "Decade of the Bank Insurance Industry" series of theme press conferences held by the Banking Insurance Regulatory Commission, Mao Zhuqing, director of the Journalistic Propaganda Office of the General Office of the General Office of the CBRC, said that since the 18th National Congress of the Communist Party of China, the banking insurance industry Realize new leapfrog development. The virtuous cycle of finance and the real economy is gradually formed, and important results are obtained to prevent and resolve major financial risks. The reform and opening up of the banking industry's insurance industry presents a new situation, and the supervision atmosphere is basically formed.

At the meeting, Xiang Heng, Secretary of the Party Committee and Director of the Hunan Banking Regulatory Bureau, Zhao Wei, Secretary of the Party Committee and Director of the Xinjiang Banking Regulatory Bureau, Zhang Lixing, Secretary of the Party Committee and Director of the Shenzhen Banking Regulatory Bureau, introduced the development of the local banking industry and insurance industry for ten years. And regulatory work measures.

Significant progress in service real economy

Serving the real economy is the purpose and duty of finance. Since the 18th National Congress of the Communist Party of China, Hunan, Xinjiang, and Shenzhen's banking insurance industry services have made significant progress in the high -quality development of the real economy.

According to Xiang Heng, in the past ten years, the balance of various loans in Hunan's banking industry has increased by 2.8 times, with an average annual growth rate of 15.1%, which is 2.4 percentage points higher than the national average during the same period, close to 6 trillion yuan; the balance of various deposits has increased by 1.9 With the average annual growth rate of 11.8%, the average national average of 0.9 percentage points is higher than the same period, and the total volume reaches 6.7 trillion yuan; the depth of insurance has increased from 2.2%to 3.3%. Essence The strong support of Hunan GDP jumped from No. 11 nationwide to 9th place.

Xiang Hengjin said further that, since the beginning of this year, the Hunan Banking and Insurance Bureau has focused on promoting a virtuous circle of finance and the real economy, preventing and resolving financial risks, building a long -term mechanism for the high -quality development of the banking insurance industry in the banks, actively finding methods, countermeasures, and countermeasures, and countermeasures, countermeasures, and countermeasures. Reality. For example, focusing on the "three highs and four new" of services, accurately strengthen key financial services. Highlight the development of advanced manufacturing, guide financial institutions to focus on the 12 major industrial clusters in Hunan, and increase financial supply. At the same time, we can strengthen financial services around the economic market and vigorously strengthen the financial services. A total of 7 policies related to employment related to enterprise -stabilized employment, and strongly urged bank insurance institutions to focus on supporting the rescue of enterprises in difficult industries such as logistics, tourism, breeding, and construction.

"The development of Xinjiang's banking industry insurance industry is consistent with the situation in the country, and the same direction doubles, this is the core word." Zhao Wei said that as of the end of June, the total assets of Xinjiang banking industry were 3.96 trillion yuan, and various deposits The balance was 2.78 trillion yuan, and the balance of various loans was 2.78 trillion yuan, an increase of 132.84%, 124.92%, and 225.07%over the end of 2012. As of the end of May, the total assets of the insurance industry were 188.903 billion yuan, and the premium income was 40.882 billion yuan, an increase of 289.44%and 244.12%from the end of 2012, and the growth rate of insurance payment reached 309.27%. In particular, Xinjiang Agricultural Insurance has continued to be the largest agricultural insurance market in the country since 2014, indicating that the insurance industry has a very large support for agricultural production in Xinjiang, and the market size accounts for about 7.2%.

In terms of service quality and efficiency, in the past ten years, the total amount of credit investment in Xinjiang's banking industry has continued to increase, and the average annual growth rate of loans has remained above 14%, which is much higher than the growth rate of Xinjiang GDP during the same period. Various loans are mainly medium- and long -term loans, and the balance of balance continues to remain around 60%. The growth rate of inclusive small and micro -enterprise loans has continued to higher than the average loan growth rate in recent years.

Shenzhen is an important engine for the construction of the Guangdong -Hong Kong -Macao Greater Bay Area. Since the 18th National Congress of the Communist Party of China, under the strong leadership of the Banking Insurance Regulatory Commission, the Shenzhen Banking Insurance Bureau has led bank insurance institutions in the jurisdiction to provide strong financial support for the construction of the Greater Bay Area.

Zhang Lixing said that Shenzhen's banking insurance industry adheres to its own high -quality development to serve the high -quality construction of the Greater Bay Area, and the industry's development indicators are at the forefront of the country. In the past ten years, the annual annual growth rate of the value -added of the financial industry in the area was 11.7%. The average growth rate was 12.1%, and the average annual growth rate of small and micro enterprise loans was 22.3%. Since the release of the Outline of the Dagan District Development Plan, the growth rates of advanced manufacturing loans, technology -based enterprise loans, and green credit in Shenzhen have reached 27.2%, 39.4%, and 53.7%, respectively. At the same time, Shenzhen took the lead in launching a new type of cities' exclusive critical illness insurance products in the country, took the lead in landing environmental pollution for compulsory liability insurance, took the lead in issuing independent agent registration guidelines, and the first implementation of the implementation of the implementation of a new insurance intermediary market system. In the past ten years, the average annual growth rate of the insurance industry's payout expenditure was 15.6%, and the guarantee function was constantly prominent. The development of the financial industry in the area has injecting strong kinetic energy into the construction of the Greater Bay Area.

Reform realizes a significant breakthrough

The banking insurance industry in the three places has also achieved practical results in deepening financial reform and preventing and resolving financial risks.

In the past ten years, the Hunan Banking Regulatory Bureau has promoted the reform of the banking insurance industry to achieve a significant breakthrough. Continue to improve the governance of financial institutions and regulate shareholders' equity management, and all legal person banks in their jurisdiction have completed their equity custody. Promote the comprehensive completion of the rural credit cooperatives of the city and county, and set up 102 rural commercial banks. Continue to enrich the institutional category, filling the gap in local legal entities such as personal insurance, private banks, and consumer finance. At the same time, preventing and resolving major financial risks has achieved strong results. The Hunan Banking Regulatory Bureau stepped forward to promote the disposal of non -performing assets, with a total of 336.3 billion yuan in non -performing loans. Support key enterprises to resolve debt risks, set up a total of 125 creditors committees, weakened the risk of loan 17.5 billion yuan. The country is the first to comprehensively ban P2P online loan institutions, and to promote the risk of online loan. "In the past ten years, there have been no serious risk of single organizations, and no major risk events that affect regional financial stability and systemic risks." Xiang Heng said.

Regarding the risk prevention and control of Xinjiang's banking insurance industry, Zhao Wei said, "We insist on the sense of responsibility of" rest assured ', one with the consciousness of eagerness, the bottom line of the tree, and resolutely keep the bottom line that does not have regional systemic risks. ","

Data show that as of the end of June, the non -performing loan ratio of the banking industry in Xinjiang was 1.18%, which was further improved from 1.23%in May and remained at a reasonable level. At the same time, the Xinjiang Banking Insurance Regulatory Bureau focuses on strengthening the classification of asset quality, promoting the preview of banks, and replenishing capital by multiple channels. As of the end of March, the banking financial institutions allocated nearly 80 billion yuan, and the cover coverage rate was 239.68%. Among them, the legal person banking institutions in the jurisdiction of the region had a capacity of 211.41%, which had strong risk resistance and loss absorption capacity. In addition, the reform of the Agricultural Credit Society and the Urban Commercial Bank is actively promoted to promote development and reform with reform. Continuous education guides bank insurance institutions to return to its origin, adhere to positioning, and operate in accordance with laws and regulations.

The Shenzhen Banking Insurance Regulatory Bureau has taken a new step in the construction of mechanisms. According to Zhang Lixing, in recent years, the Shenzhen Banking and Insurance Bureau, together with the provincial and municipal financial management departments, jointly issued and implemented the implementation plan for the construction of financial support for the construction of the Guangdong -Hong Kong -Macao Greater Bay Area. Article 29 guidance, draw a "construction drawing" and set the "task book" for the construction of the Greater Bay Area and the pre -demonstration zone. At the same time, financial opening jumped to a new level. At present, the number of foreign financial institutions in Shenzhen is second only to Shanghai and Beijing, and a complete and functional foreign financial institution system has been formed. Among the foreign banks in Shenzhen, Hong Kong -funded banks have more than 70 % of the asset size, deposit and loan, and net profit. Shenzhen has become the highest degree of gathering in Hong Kong -owned banks.

"Under the coordination and guidance of the CBRC, our bureau has kept close connection with the (China) Hong Kong Monetary Administration in the banking market access, supervision information sharing, and risk prevention and control. The Bay Area has a joint conference mechanism for the insurance supervision supervision of Guangdong, Hong Kong, Macao, and four places. At present, the 21 -year joint meeting has been held to become important to exchange and explore the development and innovation of the insurance industry in the Greater Bay Area, promote interconnection, and strengthen the connection and regulatory collaboration of rules. Platform. "Zhang Lixing said.

(Editor in charge: Wang Qingyu)

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