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.
《 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.
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.
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.
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.
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.
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.
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.