On July 17, the person in charge of the relevant department of the China Banking and Insurance Regulatory Commission was interviewed by the reporter of China bank insurance news on the recent progress of key work. 1、 About the support of banking and insurance industry to stabilize the macro-economic Market The person in charge said that under the background that the spread of the epidemic caused the downward pressure on the economy to grow faster than expected, the CBRC resolutely implemented the decisions and arrangements of the CPC Central Committee and the State Council, guided the reasonable growth of social financing such as bank loans and bond investment, and released more financial resources. In the first half of this year, the loans of banking financial institutions increased by about 14 trillion yuan. We will continue to strengthen inclusive financial services, deepen financing support for key areas such as manufacturing, infrastructure and consumption, and take the initiative to provide new citizens with financial services. Give full play to the important role of insurance in social emergency management, and actively provide risk protection for floods and waterlogging in the south. While helping to stabilize the economic market, we should actively promote economic transformation and upgrading and high-quality development. Banking and insurance institutions are encouraged to better serve key core technology research and the development of "specialized and special new" enterprises. At the end of June, the year-on-year growth rate of loans for scientific research and technical services exceeded 25%. Release green finance guidelines to help ensure energy security and supply and green low-carbon transformation. 2、 On the disposal of risks of five rural banks in Henan and Anhui according to laws and regulations The person in charge said that after nearly three months of efforts, the public security organ has preliminarily ascertained the main facts of the case and restored the truth of the incident. Henan new wealth group manipulated five rural banks in Henan and Anhui, illegally absorbing and occupying public funds through internal and external collusion, using third-party platforms and fund brokers, tampering with original business data and covering up illegal acts. According to the evidence currently available, the vast majority of ordinary customers of off account businesses do not know and understand the suspected criminal acts of new wealth group, and have not received additional high interest rates or subsidies. Therefore, the disposal plan determines to advance the principal of these customers in batches. Since the original background data was concealed or deleted by criminal gangs, in order to ensure the authenticity of the information, the two provinces have built a new customer information registration system and cross checked with the background data. Due to the large number of people and heavy workload, the method of advance payment in batches is adopted, and ordinary small customers are advanced first. In the next step, we will start the advance payment work for customers with more than 50000 yuan. Please wait patiently for the subsequent announcement. Recently, someone on the Internet spread the opinion that the announcement of advance payment on July 11 was released because of the gathering group visit in Zhengzhou, Henan Province on July 10. The official said that the announcement of advance payment had nothing to do with the group visit on July 10. After the outbreak of risk incidents in five rural banks in Henan and Anhui, the China Banking and Insurance Regulatory Commission has publicly stated for many times since April 30 that they must be handled in strict accordance with the law, and all businesses handled in accordance with the law are protected by national laws. In the past three months, the public security organs have collected a lot of evidence through strict investigation and evidence collection. Local Party committees and governments and relevant central departments have worked overtime to promote risk disposal in a tense and orderly manner. We adhere to strict laws and regulations, based on facts and laws, determine the policy of identifying the nature of funds of off account business customers and processing them by classification and batch, and simultaneously carry out the preparation of funds advance. The central and local financial management departments have issued a notice on June 18, asking the customers of off account businesses of relevant rural banks to register the account funds in a timely manner. After all preparations are ready, an announcement will be issued on July 11 as planned, and the first batch of off account business customer fund advances will be launched on July 15. In addition, it is understood that the public security organ has filed a case for investigation on the temporary opening of the off account business system of Kaifeng New Oriental Village bank on June 26, and it is believed that it will seek truth from facts and deal with it according to law and regulations. 3、 On actively doing a good job in the financial service of "guaranteed delivery of buildings" The person in charge pointed out that on June 30, a real estate owner in Jingdezhen, Jiangxi Province issued a statement to stop repaying the loan due to the delayed delivery of the project, which attracted public attention. The China Banking and Insurance Regulatory Commission attaches great importance to this, strengthens the coordination and cooperation with the Ministry of housing and urban rural development, the people's Bank of China and other departments, adheres to the principle of "no speculation in housing and housing", adheres to the principle of "stabilizing land prices, housing prices and expectations", and supports local governments to more effectively promote the work of "ensuring the delivery of housing, people's livelihood and stability". First, under the leadership of the local Party committee and government, bancassurance institutions should actively participate in the relevant working mechanism, cooperate with the compaction of the responsibilities of enterprises, shareholders and other relevant parties. Banks should actively perform their duties, not only follow the principles of marketization and rule of law, but also actively assume social responsibility, and do everything possible to promote the "guaranteed delivery of buildings". Second, under the overall framework of the work arrangement of the local Party committee and government to "ensure the delivery of the building", the bank insisted on finding out the situation, seeking truth from facts, scientifically classifying and accurately implementing policies, actively participated in the study of the scheme to reasonably solve the hard gap of funds, made a good credit extension with conditions, and helped promote the rapid resumption, early resumption and early delivery of the project. Third, do a good job in customer service, strengthen communication with customers, personalized meet the different needs of resident customers, abide by contracts, fulfill commitments, and protect the legitimate rights and interests of financial consumers in accordance with the law. Fourth, effectively meet the reasonable financing needs of real estate enterprises, vigorously support the construction of rental housing, support project mergers and acquisitions, focus on new citizens and urban young people, better meet the housing needs of rigid and improved customers, and strive to maintain the smooth and orderly operation of the real estate market. Dealing with the current problems is also an important opportunity to realize the transformation of the old and new real estate model. We believe that with the guidance of the Party committee and the government and the joint efforts of all parties concerned, these difficulties and problems can be reasonably solved. 4、 On the progress of financial risk disposal in Liaoning The person in charge pointed out that due to the comprehensive influence of various factors, Liaoning regional financial risks have accumulated in the past period. According to the deployment of the Party Central Committee and the State Council, with the support and cooperation of the relevant central departments, the Liaoning provincial Party committee and the provincial government took on the role of full recovery of stolen goods and losses, serious accountability, resolutely punish corruption, speed up the reform of small and medium-sized banks, and achieved important phased results. The inventory risk was released in an orderly manner, and the incremental risk was effectively curbed. With the joint efforts of all parties concerned, Liaoyang rural commercial bank has taken the lead in making new breakthroughs in risk disposal. On July 2, Shenyang Rural Commercial Bank announced that it successfully undertook the personnel, outlets and deposits of Liaoyang rural commercial bank, achieving the predetermined goal of smooth transition of customers and normal business. During the risk disposal period of Liaoyang rural commercial bank, local small and medium-sized banks in Liaoning Province had sufficient funds, normal business and stable operation. At present, Liaoning Province is continuously promoting local small and medium-sized banks to deepen reform and resolve risks. Establish and improve the party's leadership system in local financial enterprises, comprehensively strengthen the party's leadership, and select and strengthen the leadership of local corporate banks. By issuing local government special bonds and other ways to supplement the capital of local legal person banks, transform the equity structure, strengthen corporate governance, and transform the operating mechanism. We will continue to steadily implement the M & a plan for small and medium-sized financial institutions, promote the restructuring and integration of local corporate banks, enhance the momentum of development, and enhance the ability to resist risks, so that urban commercial banks and rural credit cooperatives will play an important role in the revitalization of Northeast China and the development of Liaoning. 5、 Supplementary capital of small and medium-sized banks The official said that the CPC Central Committee and the State Council attach great importance to risk prevention of small and medium-sized banks, and take multiple measures to enhance capital strength and risk resistance. Since this year, the CBRC has actively worked with the Ministry of Finance and the people's Bank of China to accelerate the issuance of special bonds by local governments to supplement the capital of small and medium-sized banks. In the first half of the year, with the approval of the State Council, 103billion yuan of special debt quota has been allocated to Liaoning, Gansu, Henan and Dalian. In the near future, some local special bond issuance plans will be approved. It is expected that the distribution of the total amount of 320billion yuan will be completed by the end of August. In the next step, the CBRC will, in accordance with the principle of "having a plan in the province, issuing in batches as soon as possible", urge local governments to report the plan as soon as possible, speed up the approval process, complete the issuance of special bonds as soon as possible, and play its role of preventing risks, ensuring stability and promoting growth. At the same time, we will do a solid job in classifying non-performing assets of small and medium-sized banks, enrich the disposal channels of non-performing loans, and actively carry out the pilot work of stripping non-performing loans by province. From January to May this year, small and medium-sized banks disposed of 394.3 billion yuan of non-performing loans, 107.2 billion yuan more than the same period last year. 6、 New breakthroughs have been made in the reform and opening up of the banking and insurance industries The person in charge stressed that the CBRC conscientiously implemented the decisions and arrangements of the CPC Central Committee and the State Council and continued to deepen the reform and opening up of the banking and insurance industry. Promote the organic integration of Party leadership and corporate governance in financial institutions, and most small and medium-sized banking and insurance institutions have written strengthening Party leadership into the articles of association. Strengthen the supervision of corporate governance, print and distribute the management measures for related party transactions, and make public the fifth batch of major illegal shareholders. We will promote the reform of the classification and distribution of policy banks. Issued opinions to guide financial asset management companies to actively participate in the reform of small and medium-sized financial institutions. All localities were guided to revise and improve the reform plan of rural credit cooperatives, and Zhejiang Rural Commercial Union Bank was opened. Rural small and medium-sized banks accelerated restructuring and integration. We will promote the standardization of the third pillar of endowment insurance, approve the opening of national endowment insurance companies, expand the pilot scope of exclusive commercial endowment insurance to the whole country, expand the pilot of endowment financial products to "ten places and ten institutions", and study and start the pilot of endowment savings. We will deepen the comprehensive reform of automobile insurance and promote the entry of exclusive insurance products for new energy vehicles into the market. Comprehensively improve the level of legal supervision. We will strengthen the construction of the rule of law in supervision, and constantly complement the weaknesses of the regulatory system and improve the regulatory rule system in response to key problems, weak links and key risks in the banking and insurance industry. Strictly supervise and enforce the law, and constantly increase the administrative punishment for those who violate laws and regulations. In the first half of this year, 1452 bancassurance institutions were punished, 2399 persons were punished, and a total of 991 million yuan was confiscated. Continue to improve the level of opening up. Schroder Bank of communications financial management company and Shanghai Branch of German Baden Wuerttemberg bank were approved to open, and BlackRock Jianxin financial management company participated in the pilot of pension financial products. (Xinhua News Agency)