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The CBRC has set the direction

2020-1-5 17:06

The reporter learned from the circ that the circ recently issued a document to promote the high-quality development of the banking and insurance industry set clear requirements and objectives.


As China's economy shifts from a stage of high-speed growth to a stage of high-quality development, the imbalance between financial supply and demand is increasingly prominent, and the high-quality development of the banking and insurance industry is facing multiple challenges, according to the guidance of the circ on promoting high-quality development of the banking and insurance industry.


Opinion is put forward, and promote to form multi-level, wide coverage, there are differences of bank insurance agency system, including optimization of large and medium-sized Banks function, enhance the capacity of local small and medium-sized banking financial services, strengthening insurance institutional risk safeguard function, actively promote foreign bank insurance agency development, cultivate characteristic advantage non-bank financial institutions, etc.


In terms of strengthening the financial service capacity of local small and medium-sized Banks, the opinions put forward that urban commercial Banks should establish prudent operation culture and reasonably determine operation radius. Small and medium-sized rural Banks to adhere to the support of rural support small market positioning. On the premise of keeping the status of county legal person stable on the whole, the rural credit association and rural cooperative bank should be reformed as shareholding system according to local conditions. We will continue to promote the establishment of eligible private Banks.


Put forward opinions, improve service the real economy and the people the life needs system of financial products, including positive development support strategic emerging industries, advanced manufacturing and technology innovation of financial products, private enterprises and small micro enterprise financial products innovation, optimization of "agriculture, rural areas and farmers" financial product supply, abundant social livelihood financial product supply and so on.


The guidelines put forward that various risks in the banking insurance system should be effectively and accurately prevented, including actively yet prudently handling problematic financial institutions, resolving shadow banking risks in an orderly manner, strengthening risk prevention and control in key areas, and vigorously cracking down on illegal financial activities.


We will take multiple measures to deepen the reform of small and medium-sized institutions with high risks and defuse risks, including the disposal of non-performing assets, direct capital injection and restructuring, inter-bank mergers and acquisitions, the establishment of resolution funds, the establishment of bridge Banks, the introduction of new investors and market exit. Banking and insurance institutions should implement the positioning of "housing does not speculation", strictly implement the real estate financial regulatory requirements, to prevent the illegal inflow of funds into the real estate market.


The opinions specify the development goals of the banking and insurance industry: by 2025, the financial structure will be more optimized and a multi-tiered, widely covered and differentiated system of bank and insurance institutions will be formed. Corporate governance continued to improve, and a modern financial enterprise system with Chinese characteristics was basically established. The ability to develop personalized, differentiated and customized products has been significantly enhanced to form a financial product system that can effectively meet market demands. The credit market, insurance market, trust market, financial leasing market and non-performing asset market were further improved. Financial risks in key areas were effectively handled, and significant progress was made in modernizing the banking and insurance regulatory system and regulatory capacity.

 

      记者从中国银保监会获悉,银保监会日前印发文件,对推动银行业保险业高质量发展提出明确要求和目标。

  《中国银保监会关于推动银行业和保险业高质量发展的指导意见》表示,随着我国经济由高速增长阶段转向高质量发展阶段,金融供给与需求之间不平衡不适应的矛盾日益凸显,银行业和保险业高质量发展面临多重挑战。

  意见提出,推动形成多层次、广覆盖、有差异的银行保险机构体系,包括优化大中型银行功能定位、增强地方中小银行金融服务能力、强化保险机构风险保障功能、积极推动外资银行保险机构发展、培育非银行金融机构特色优势等。

  增强地方中小银行金融服务能力方面,意见提出,城市商业银行要建立审慎经营文化,合理确定经营半径。农村中小银行要坚持支农支小市场定位。在保持县域法人地位总体稳定的前提下,因地制宜对农村信用联社和农村合作银行实施股份制改造。继续推动符合条件的民营银行发起设立等。

  意见提出,完善服务实体经济和人民群众生活需要的金融产品体系,包括积极开发支持战略性新兴产业、先进制造业和科技创新的金融产品、加大民营企业和小微企业金融产品创新、优化“三农”金融产品供给、丰富社会民生领域金融产品供给等。

  意见提出,精准有效防范化解银行保险体系各类风险,包括积极稳妥推进问题金融机构处置、有序化解影子银行风险、加强重点领域风险防控、大力整治违法违规金融活动等。

  意见提出,多措并举深化高风险中小机构改革和风险化解,采取不良资产处置、直接注资重组、同业收购合并、设立处置基金、设立过桥银行、引进新投资者以及市场退出等方式。银行保险机构要落实“房住不炒”的定位,严格执行房地产金融监管要求,防止资金违规流入房地产市场。

  意见明确银行业保险业的发展目标:到2025年,实现金融结构更加优化,形成多层次、广覆盖、有差异的银行保险机构体系。公司治理水平持续提升,基本建立中国特色现代金融企业制度。个性化、差异化、定制化产品开发能力明显增强,形成有效满足市场需求的金融产品体系。信贷市场、保险市场、信托市场、金融租赁市场和不良资产市场进一步健全完善。重点领域金融风险得到有效处置,银行保险监管体系和监管能力现代化建设取得显著成效。

原作者: 李延霞 来自: 新华网