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 Release date: 2024-05-11   |   Number of visits: 224    
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In order to thoroughly implement the spirit of the Central Financial Work Conference,Effectively integrate technology and finance、Green Finance、Inclusive Finance、Pension Finance、The "Five Big Articles" on Digital Finance are Real and Detailed,Improve the quality and level of financial services to the real economy,The State Administration of Financial Supervision recently issued the "Guiding Opinions on the "Five Major Articles" for the Banking and Insurance Industry to Do a Good Job in Finance" (hereinafter referred to as the "Guiding Opinions"),The heads of relevant departments and bureaus answered reporters’ questions on relevant issues。

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The Central Financial Work Conference pointed out,We must effectively strengthen our focus on major strategies、High-quality financial services in key areas and weak links,Do a good job in technology finance、Green Finance、Inclusive Finance、Pension Finance、Digital Finance “Five Big Articles”。Financial "Five Big Articles" accurately grasp the stage characteristics of my country's economic and social development and the laws of financial development in the new era,Clarified the key tasks and implementation paths of financial support for high-quality development,Fully embodies the people-centered value orientation and the inherent requirements for developing new productive forces,To improve the quality and efficiency of financial services to the real economy,Supporting the construction of a strong country with high-quality financial development、The great cause of national rejuvenation points the way。In order to thoroughly implement the spirit of the Central Financial Work Conference,Under the overall guidance of the Central Financial Commission,Effectively make the “five major articles” practical and detailed,The State Administration of Financial Supervision has studied and formulated the "Guiding Opinions",Aims to put forward clear requirements for the General Administration system and banking and insurance institutions to coordinate the "five major articles",To fully deploy。

  2. What are the main contents of the "Guiding Opinions"?

"Guiding Opinions" has five parts、Twenty Articles。The first part is the overall requirements,Cleared the guiding ideology for dafabet live casinocompleting the “Five Big Articles”、Main goals and basic principles。The second part is to optimize the "five big articles" financial products and services。Request to focus on stuck points and blockade points to improve the quality and efficiency of science and technology finance,Combined with the development rules and characteristics of technology-based enterprises,Provide full life cycle financial services for technology-based enterprises;Focus on “dual carbon” goals and improve the green financial system,Actively support energy conservation in key industries and fields、Pollution reduction、Carbon reduction、Greening、Disaster Prevention,Enrich green financial products and services;Focus on pain points and difficulties to strengthen inclusive financial services,Treat enterprises of all types of ownership fairly,Continue to increase support for private enterprises、Financial support for small and micro enterprises and individual industrial and commercial households,Actively serving the comprehensive revitalization of rural areas;Focus on real needs and accelerate the development of pension finance,Increase investment in health industry、Elderly Care Industry、Financial support for the silver economy,Develop the third pillar pension insurance;Focus on efficiency and security to promote the development of digital finance,Actively guide the digital transformation of banking and insurance institutions,Improve the financial supervision system that adapts to the digital era。The third part is to give full play to the functional advantages of the "five major articles" served by banking and insurance institutions。Development must be effectively utilized、Policy financial functions,Give full play to the main role of national commercial banks,Actively guide small and medium-sized banks to carry out characteristic operations based on local areas,Vigorously leverage the insurance industry’s functions as an economic shock absorber and social stabilizer,Proactively leverage the professional advantages of non-bank financial institutions。The fourth part is to improve the "five major articles" organizational management system of banking and insurance institutions。Require banking and insurance institutions to strengthen the construction of internal management mechanisms,Improving the incentive and restraint mechanism,Stick to the bottom line of risk。The fifth part is to do a good job in regulatory support for the “Five Big Articles”。We need to strengthen Dafabet reviewssupervision and guidance,Promote the improvement of the external environment,Strictly guard against illegal and illegal financial activities,Encourage the exchange of good experiences and mutual learning。

  三、What principles should be grasped to do the "Five Big Articles" of finance?

First, adhere to problem orientation,Classified policies。Open up the blockades that restrict the development of new productive forces and the "five big articles",Create a good institutional environment。Guide banking and insurance institutions to combine their own positioning and advantages,Targeted optimization of the “Five Big Articles” development strategy。Encourage adaptation to local conditions、Try first,Promote demonstration effect。

The second is to adhere to market leadership,Benefit enterprises and people。Respect the laws of economic and social development,Let the market play a decisive role in resource allocation。Guide banking and insurance institutions to establish a correct social value orientation,Strengthen financial consumer protection awareness,Accelerate the construction of a commercially sustainable business model,Perform social responsibility,Enhance endogenous motivation。

The third is to adhere to integrity and innovation,Risk controllable。Strengthening technological leadership,Give full play to the leading role of innovation in new productivity,Promote financial innovation on the track of marketization and rule of law。Coordinate development and security,Insist that financial innovation must be carried out under the premise of prudent supervision,Seeking progress while maintaining stability,Keep the bottom line of risk。

The fourth is to adhere to the system concept,Form a combined force。Strengthening supervision and currency、Finance and Taxation、Industry、Coordinated linkage of environmental protection and other policies,Fully mobilize the government、Enterprise、Positiveness from the market and other aspects。Promote the formation of various financial means that complement each other、Financial institutions perform their respective duties、The vivid situation of the integration and development of "Five Big Articles"。

  四、What specific requirements does the "Guiding Opinions" impose on banking and insurance institutions?

First, strengthen the construction of internal management mechanisms。Banking and insurance institutions must incorporate “five major articles” into strategic planning and annual key tasks,Establish dafabet casino mobile appand improve the special leadership and coordination mechanism,Develop a specific work plan。By increasing investment in credit resources、Appropriately decentralize credit approval authority、Implement differentiated internal fund transfer pricing and other measures,Increase the tilt of internal resources。Encourage qualified institutions to set up specialized departments or characteristic branches based on their own actual conditions,Improve professional service level。

The second is to improve the incentive and restraint mechanism。Banking and insurance institutions must establish and improve a scientific and reasonable performance appraisal system,Appropriately increase the proportion of business related to the “Five Big Articles” in internal performance appraisals,Implement the due diligence exemption system,Further clarify the standards and procedures for identifying exemptions,Promote all parties to perform their duties。

The third is to stick to the bottom line of risk。Banks and insurance institutions must strictly follow risk control、Doing business based on sustainable business principles,Avoid being rushed、Excessive credit。Strengthen compliance review,Accurately determine the supported objects and scope,Beware of fraud in the name of "five big articles"、Extorting funds from financial institutions。Strengthen business follow-up management and risk monitoring,Make proactive risk warnings and resolution plans。

  五、Next step,What work should the State Administration of Financial Supervision focus on focusing on the "Five Big Articles" on finance?

First, strengthen supervision and guidance。The State Administration of Financial Supervision will continue to improve the "Five Big Articles" policy system,Develop relevant implementation plans,Establish a sound statistical system。Regulatory departments at all levels must strengthen Dafabet reviewssupervision and guidance,Carry out timely assessment and inspection,Inadequate implementation of policies、Correction of problems such as execution deviation。The State Administration of Financial Supervision will promptly supervise and evaluate the work of various regulatory bureaus and banking and insurance institutions on the "Five Major Articles",Promote relevant work to achieve practical results。

The second is to promote the improvement of the external environment。All regulatory bureaus must strengthen cooperation with local governments,Promote and improve the risk sharing mechanism,Smooth collateral disposal channels。Promote and improve the corporate and personal credit evaluation system,Support local governments to establish and improve financing credit service dafabet casino mobile appplatforms,Effectively integrate information from various fields,Full sharing with banking and insurance institutions。

The third is to strictly prevent illegal and illegal financial activities。Severely crack down on illegal and financial crimes carried out in the name of "Five Big Articles"。Strengthen monitoring and early warning,Insist on combining attack and defense、Treat both the symptoms and the root causes,Improving early prevention and early treatment、Precise processing capability。Encourage the public to report clues,Strive to form a good situation of group prevention and group management。

The fourth is to encourage the exchange and mutual learning of good experiences。Support qualified regions to combine their own economic and financial development needs,Carry out targeted pilot demonstrations of "Five Big Articles"。Regulatory departments at all levels should strengthen investigation and research,Organize communication and exchanges between banking and insurance institutions,Timely summary of good practices and opinions and suggestions。Intensify the publicity of good experiences,Accelerate the formation and copy、Practical experience that can be promoted。

Source: Website of the State Administration of Financial Supervision