What is the current situation of banking and insurance services to the real economy? What do you think of the debt problem of Evergrande group? How is the pilot progress of pension financial products? At the press conference of the State Information Office held on the 21st, the heads of relevant departments of the China Banking and Insurance Regulatory Commission responded to the current hot issues in the market. The quality and efficiency of serving the real economy were further improved Wang Chaodi, chief inspector and spokesman of the China Banking and Insurance Regulatory Commission, said that at present, the quality and efficiency of the banking and insurance industry in serving the real economy have been further improved, the capital supply has increased steadily, the credit structure has improved steadily, and the overall guarantee capacity of the insurance industry has been continuously enhanced. Data show that at the end of September, the balance of manufacturing loans was 22.2 trillion yuan, a year-on-year increase of 12.6%, most of which were medium and long-term loans. The balance of high-tech manufacturing loans was 3.7 trillion yuan, a year-on-year increase of 13.8%. The loan balance of inclusive small and micro enterprises was 18.5 trillion yuan, a year-on-year increase of 25.2%. The cumulative compensation expenditure of the insurance industry in the first three quarters was 1.2 trillion yuan, a year-on-year increase of 17.9%, and the role of social "stabilizer" was further revealed. In view of the tight energy supply, Wang Chaodi said that we should do everything possible to ensure the reasonable financing needs of coal power, coal, steel, non-ferrous metal and other production enterprises, and urge financial institutions to give reasonable credit support to coal power, coal, heating and other enterprises and projects that meet the support conditions. At the same time, improve the fine management level of credit and support the transformation and upgrading of traditional industries such as iron and steel and non-ferrous metals. Ye Yanfei, head of the Policy Research Bureau of the CIRC, said that "specialized and special new" small and micro enterprises are the backbone of small and micro enterprises. The CIRC guides banking institutions to pay attention to the asset scale and financial strength of small and micro enterprises, pay more attention to their product quality, enterprise brand and intellectual property rights, and guide banking institutions to be "specialized and special new" as far as possible in terms of term Match the production and operation cycle of the enterprise. The ability of financial risk prevention and control was further improved Wang Chaodi said that at present, the risk resistance of banking and insurance institutions continues to increase and the risk is generally controllable. Data show that at the end of September, the balance of domestic non-performing loans in the banking industry was 3.6 trillion yuan, and the non-performing loan ratio was 1.87%. The provision balance of banking institutions was 7 trillion yuan, and the provision coverage rate was 192.4%. The capital adequacy ratio of commercial banks is 14.8%, the comprehensive solvency adequacy ratio of insurance companies is 243.7%, and the core solvency adequacy ratio is 231%. "We adhere to the principle of abiding by laws and regulations, adhering to integrity and innovation, and have carried out the rectification of antitrust and unfair competition in the financial field in an orderly manner. We have handled high-risk financial institutions in a stable manner, and strictly prevented the resurgence of high-risk shadow banking business. The scale of shadow banking has continued to decline. The outstanding balance of P2P online lending institutions has decreased from more than 800 billion yuan at the beginning of the year to 500 billion yuan," said Wang Chaodi. In response to the problems of Evergrande group, Liu Zhongrui, head of the statistical information and risk monitoring department of the CIRC, said that the problems of Evergrande group are the problems of individual enterprises and will not have a great impact on the reputation of the industry or the whole Chinese enterprises. The key to the reputation of Chinese enterprises lies in China's macroeconomic stability, which lays the foundation for the long-term and stable development of real estate enterprises. "In terms of the financial sector, it is mainly in accordance with the principles of marketization and rule of law, in accordance with the requirements of the prudent management system of real estate finance, and in cooperation with relevant departments and local governments to jointly maintain the steady and healthy development of the real estate market and safeguard the legitimate rights and interests of housing consumers," Liu Zhongrui said. He said that the CBRC urged banks to implement the regulatory requirements for real estate development loans and individual housing loans, and cooperated with the people's Bank of China to implement the real estate loan concentration management system, so that the growth rate of real estate loans slowed down steadily. By severely punishing violations of laws and regulations, the problem of illegal inflow of business loans into the real estate field has been effectively curbed. The pilot pension financial products have entered the reporting stage Wang Chaodi said that the CBRC actively carried out the pilot of pension financing. According to the working idea of "jogging in small steps and overall gradual progress", on the basis of comprehensively considering the factors such as urban scale, economic and social development level and residents' pension needs, and taking into account the needs of the Eastern, central and western regions, it chose Wuhan, Chengdu, Shenzhen Qingdao has four cities as pilot cities for elderly care and financial management. "In terms of pilot scale, we have determined that the raising scale of a single pilot is not more than 10 billion yuan in principle and the purchase amount of a single investor is not more than 3 million yuan in principle according to the existing risk control ability and various considerations. The relevant pilot products have entered the reporting stage, and we may meet with the majority of consumers in 'four places and four institutions' at the end of this month or next month "Noodles," said Wang Chaodi. He said that the CBRC is studying and promoting the pilot of pension savings business. China is a large savings country. How to enrich the construction of the old-age insurance system by setting up a special old-age savings business is an important work. The CBRC is working with relevant departments to study detailed plans to meet the diversified pension needs of the people through this reform. (outlook new era)