中新經緯客戶端1月4日電近日,中國銀保監會發布《關于推動銀行業和保險業高質量發展的指導意見》指出,銀行保險機構要落實“房住不炒”的定位,嚴格執行房地產金融監管要求,防止資金違規流入房地產市場,抑制居民杠桿率過快增長,推動房地產市場健康穩定發展。

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.

《指導意見》堅持回歸本源、優化結構、強化監管、市場導向及科技賦能五項基本原則,發展目標之一是到2025年,實現金融結構更加優化,形成多層次、廣覆蓋、有差異的銀行保險機構體系。

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.

為推動形成多層次、廣覆蓋、有差異的銀行保險機構體系,《指導意見》提出優化大中型銀行功能定位、增強地方中小銀行金融服務能力、強化保險機構風險保障功能、積極推動外資銀行保險機構發展、培育非銀行金融機構特色優勢及發揮銀行保險機構在優化融資結構中的重要作用。

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.

《指導意見》提出,完善服務實體經濟和人民群眾生活需要的金融產品體系。具體包括積極開發支持戰略性新興產業、先進制造業和科技創新的金融產品,加大民營企業和小微企業金融產品創新,優化“三農”金融產品供給,大力發展綠色金融,豐富社會民生領域金融產品供給以及增強金融產品創新的科技支撐。

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.

《指導意見》還提出,精準有效防范化解銀行保險體系各類風險。一是積極穩妥推進問題金融機構處置;二是有序化解影子銀行風險;三是加強重點領域風險防控;四是大力整治違法違規金融活動;五是增強抵御風險能力。

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.

在加強重點領域風險防控方面,《指導意見》明確,銀行保險機構要落實“房住不炒”的定位,嚴格執行房地產金融監管要求,防止資金違規流入房地產市場,抑制居民杠桿率過快增長,推動房地產市場健康穩定發展。繼續做好地方政府隱性債務風險化解,依法明確存量債務償債責任,規范支持地方政府債券發行和配套融資,嚴禁違法違規提供新增融資。加大對脫離主業盲目擴張、高負債經營企業風險的排查監測。穩妥化解集團客戶信用風險,有序退出“僵尸企業”,推動企業部門結構性去杠桿。

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,《指導意見》還要求建立健全中國特色現代金融企業制度、實現更高水平的對外開放及加強金融監管和廉潔金融建設。

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.

《指導意見》最后強
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