中新经纬客户端1月4日电近日,中国银保监会发布《关于推动银行业和保险业高质量发展的指导意见》指出,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,抑制居民杠杆率过快增长,推动房地产市场健康稳定发展。

On January 4th, the China Banking Regulatory Commission (CBRC) issued the Guiding Opinions on Promoting the High-quality Development of the Banking and Insurance Industry, which pointed out that banking and insurance institutions should implement the orientation of \"no house and no house speculation \", strictly enforce the requirements of real estate financial supervision, prevent funds from illegally flowing into the real estate market, curb the rapid growth of residents'leverage ratio, and promote the healthy and stable development of the real estate market.

《指导意见》坚持回归本源、优化结构、强化监管、市场导向及科技赋能五项基本原则,发展目标之一是到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。

The Guiding Opinions adhere to the five basic principles of returning to the source, optimizing the structure, strengthening supervision, market orientation and enabling science and technology.

为推动形成多层次、广覆盖、有差异的银行保险机构体系,《指导意见》提出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及发挥银行保险机构在优化融资结构中的重要作用。

In order to promote the formation of a multi-level, broad-based and differentiated banking and insurance institution system, the Guiding Opinions proposed optimizing the function orientation of large and medium-sized banks, enhancing the financial service capacity of small and medium-sized local banks, strengthening the risk protection function of insurance institutions, actively promoting the development of foreign-funded bank insurance institutions, fostering the characteristic advantages of non-bank financial institutions and giving full play to the important role of bank insurance institutions in optimizing the financing structure.

《指导意见》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。具体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,大力发展绿色金融,丰富社会民生领域金融产品供给以及增强金融产品创新的科技支撑。

The \"Guiding Opinions\" put forward the improvement of the financial product system that serves the real economy and the people's living needs. They include actively developing financial products to support strategic emerging industries, advanced manufacturing industries and scientific and technological innovation, increasing the innovation of financial products of private enterprises and small and micro enterprises, optimizing the supply of financial products of agriculture, rural areas and farmers, vigorously developing green finance, enriching the supply of financial products in the fields of social and livelihood, and strengthening the scientific and technological support for innovation of financial products.

《指导意见》还提出,精准有效防范化解银行保险体系各类风险。一是积极稳妥推进问题金融机构处置;二是有序化解影子银行风险;三是加强重点领域风险防控;四是大力整治违法违规金融活动;五是增强抵御风险能力。

The guidance also suggests that precise and effective measures should be taken to mitigate the risks of the banking insurance system. One is to actively and steadily promote the handling of problem financial institutions; the other is to resolve the risks of shadow banking in an orderly manner; third, to strengthen risk prevention and control in key areas; fourth, to vigorously rectify illegal and illegal financial activities; and fifthly, to enhance the ability to resist risks.

在加强重点领域风险防控方面,《指导意见》明确,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,抑制居民杠杆率过快增长,推动房地产市场健康稳定发展。继续做好地方政府隐性债务风险化解,依法明确存量债务偿债责任,规范支持地方政府债券发行和配套融资,严禁违法违规提供新增融资。加大对脱离主业盲目扩张、高负债经营企业风险的排查监测。稳妥化解集团客户信用风险,有序退出“僵尸企业”,推动企业部门结构性去杠杆。

In strengthening risk prevention and control in key areas, the Guiding Opinions make it clear that banking and insurance institutions should carry out the orientation of \"no house and no house speculation,\" strictly enforce the requirements of real estate financial supervision and control, prevent funds from illegally flowing into the real estate market, curb the rapid growth of residents'leverage ratio, and promote the healthy and stable development of the real estate market. We will continue to do a good job in defusing the hidden debt risks of local governments, make clear the responsibility for debt repayment of stock debts according to law, standardize and support local government bond issuance and supporting financing, and strictly prohibit illegal provision of new financing. To increase the blind expansion of the main business, high-debt management enterprise risk monitoring. Securely defuses the group customer credit risk, withdraws from \"the zombie enterprise\" in an orderly manner, impels the enterprise department structural deleveraging.

此外,《指导意见》还要求建立健全中国特色现代金融企业制度、实现更高水平的对外开放及加强金融监管和廉洁金融建设。

In addition, the Guiding Opinions also call for the establishment and improvement of the modern financial enterprise system with Chinese characteristics, the realization of a higher level of opening to the outside world and the strengthening of financial supervision and clean financial construction.

《指导意见》最后强调,各级监管部门和各银行保险机构要高度重视推动银行业和保险业高质量发展工作,明确任务分工,落实工作责任,确保本意见确定的各项重点工作有序开展、取得实效。(中新经纬APP)

Finally, the Guiding Opinions emphasize that regulators at all levels and insurance institutions at all levels should attach great importance to promoting the development of the high-quality banking and insurance industry, clarify the division of tasks and responsibilities, and ensure that the key tasks identified in these Opinions are carried out in an orderly and effective manner. (APP)


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