The reporter learned from the website of the people's Bank of China on the 25th, Monetary Policy Committee of the people's Bank of China, fourth quarter of 2021 The 95th regular meeting of the general meeting was held in Beijing on December 24. The meeting pointed out that a prudent monetary policy should be flexible and appropriate, enhance foresight, accuracy and autonomy, give full play to the dual functions of the total amount and structure of monetary policy tools, be more proactive and promising, increase support for the real economy, maintain reasonable and sufficient liquidity, enhance the stability of the growth of total credit and maintain the balance of goods The growth rate of money supply and social financing scale basically match the economic growth, maintain the basic stability of macro leverage ratio, enhance the resilience of economic development and stabilize the macro-economic market. The meeting pointed out that the structural monetary policy tools should actively "add" and make accurate efforts to convert the two monetary policy tools directly to the real economy into market-oriented policy tools to support inclusive small and micro enterprises and individual industrial and commercial households, implement carbon emission reduction support tools and special refinancing to support clean and efficient utilization of coal, and implement comprehensive measures to support regional coordinated development, Guide financial institutions to increase support for small and micro enterprises, scientific and technological innovation and green development. The meeting also pointed out that we should deepen the structural reform of the financial supply side, guide the sinking of the service focus of large banks, promote small and medium-sized banks to focus on their main responsibilities and businesses, support banks to replenish capital, enhance the vitality and toughness of the financial market, and improve a highly adaptive, competitive and inclusive modern financial system. We will improve the formation and transmission mechanism of market-oriented interest rates, optimize the central bank's policy interest rate system, strengthen the supervision of deposit interest rates, give play to the efficiency of the reform of quoted interest rates in the loan market, and promote the reduction of comprehensive financing costs for enterprises. We will deepen the market-oriented reform of the exchange rate, enhance the flexibility of the RMB exchange rate, guide enterprises and financial institutions to adhere to the concept of "risk neutrality", strengthen expectation management, grasp the balance between internal and external equilibrium, and maintain the basic stability of the RMB exchange rate at a reasonable and balanced level. Build an institutional mechanism for effective financial support to the real economy, improve the financial support innovation system, guide financial institutions to increase medium and long-term loans to manufacturing industry, strive to adapt the financial support to private enterprises to the contribution of private enterprises to economic and social development, and improve the green financial system with the goal of promoting carbon peak and carbon neutralization. Safeguard the legitimate rights and interests of housing consumers, better meet the reasonable housing needs of home buyers, and promote the healthy development and virtuous cycle of the real estate market. We will promote high-level two-way financial opening-up and improve our economic and financial management ability and risk prevention and control ability under open conditions. (outlook new era)