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银保监会定调银行业保险业高质量发展方向
2020-01-07 13:57   来源:  www.match-bo.com   评论:0 点击:

银保监会定调银行业保险业高质量发展方向新华社北京1月4日电(记者李延霞)记者从中国银保监会获悉,银保监

  新华社北京1月4日电(记者李延霞)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。

Xinhua News Agency, Beijing, January 4(Reporter Li Yanxia) A reporter learned from the China Banking Regulatory Commission (CBRC) that the CBRC issued documents a few days ago to promote the banking and insurance industry high-quality development put forward clear requirements and goals.

  《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。

《 The China Banking Regulatory Commission's guidance on promoting the development of high-quality banking and insurance industry said that as China's economy moves from a period of high-speed growth to a stage of high-quality development, the contradiction between the imbalance between financial supply and demand is increasingly prominent, and the development of high-quality banking and insurance industry faces multiple challenges.

  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。

Suggestions were made to promote the formation of a multi-level, wide-ranging and differentiated banking and insurance institution system, including optimizing the function orientation of large and medium-sized banks, enhancing the financial service capacity of local small and medium-sized banks, strengthening the risk protection function of insurance institutions, actively promoting the development of foreign-funded bank insurance institutions and fostering the characteristic advantages of non-bank financial institutions.

  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。

To strengthen the financial service capacity of local small and medium-sized banks, the opinion is that urban commercial banks should establish a prudent management culture and reasonably determine the operating radius. Small and medium-sized banks in rural areas should adhere to the positioning of small markets supporting agriculture. Under the premise of maintaining the overall stability of the status of county legal persons, according to local conditions, rural credit unions and rural cooperative banks to implement joint-stock system transformation. Continue to promote the establishment of eligible private banks, etc.

  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。

We will improve the financial product system that serves the needs of the real economy and people's livelihood, including actively developing financial products that support strategic emerging industries, advanced manufacturing industries and scientific and technological innovation, increasing the innovation of financial products of private and small and micro enterprises, optimizing the supply of financial products for agriculture, rural areas and farmers, and enriching the supply of financial products in the field of people's livelihood.

  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。

It is pointed out that accurate and effective measures should be taken to prevent and defuse all kinds of risks in the banking insurance system, including actively and steadily advancing the handling of problem financial institutions, orderly defusing of shadow banking risks, strengthening risk prevention and control in key areas, and vigorously rectifying illegal and illegal financial activities.

  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。

It is proposed that various measures should be taken to deepen the reform and risk-dissolving of high-risk small and medium-sized institutions, adopting the methods of disposal of non-performing assets, direct capital injection and reorganization, merger of interbank acquisitions, establishment of disposal funds, establishment of bridge crossing banks, introduction of new investors and market withdrawal. Bank insurance institutions should implement the positioning of \"housing not speculation \", strictly enforce the requirements of real estate financial supervision, and prevent funds from illegally flowing into the real estate market.

  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。

Make clear the development goal of banking insurance industry: by 2025, realize the financial structure to be more optimized, and form a multi-level, wide coverage and different banking insurance institution system. The level of corporate governance continues to improve, basically establish a modern financial enterprise system with Chinese characteristics. The ability of personalized, differentiated and customized product development is obviously enhanced, and a financial product system is formed to meet the market demand effectively. The credit market, insurance market, trust market, financial leasing market and non-performing assets market have been further improved. Financial risks in key areas have been effectively addressed, and the modernization of the banking insurance supervision system and regulatory capacity has achieved remarkable results.


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