At the 2022 Financial Street Forum annual meeting held on the 21st, the heads of financial management departments focused on financial reform, development and stability and released important signals. Come and see what they said! (The picture shows the logo of the 2022 Financial Street Forum Annual Meeting shot near Beijing's Financial Street on November 21) "The support of monetary policy to the macro-economy is relatively strong." The trend and effect of China's monetary policy has always been concerned by the market. Since this year, China's economy has faced some challenges and downward pressure. As one of the two "handholds" of macro-control policies, how effective is the implementation of monetary policy? "It is appropriate to grasp the strength of China's macro policy. It not only strongly supports the stability of the overall macroeconomic situation, but also maintains the basic stability of the price situation under the background of high inflation in the world." Yi Gang, the governor of the People's Bank of China, summed up the implementation effect of monetary policy in this way. According to the data of the Central Bank, in the first 10 months of this year, China's RMB loans increased by 18.7 trillion yuan, 1.15 trillion yuan more than the same period last year. The prudent monetary policy is not only supported by the total amount, but also has structural characteristics. "We focused on the supply side structural bottlenecks and difficulties, played the role of structural monetary policy, continued to strengthen financial services in the fields of 'agriculture, rural areas and farmers', small and micro enterprises, and private enterprises, and promoted inclusive finance to increase in volume, expand in scope, and reduce in price." Yi Gang said. The data is a strong proof: by the end of September this year, the balance of inclusive small and micro loans in China had reached 23 trillion yuan; The number of credit granting accounts was nearly 54 million, four times that at the end of 2017; The weighted average interest rate of the newly issued inclusive small and micro loans in September this year was 4.7%, 1.8 percentage points lower than the same period in 2017. The real estate financial policy is the focus of the market. Yi Gang summarized the policies that have been issued: reduce the interest rate of personal housing loans and the proportion of down payment; A special loan of 200 billion yuan was issued to guarantee the delivery of buildings; Research and establish structural policy tools to encourage commercial banks to support "guaranteed delivery". "The real estate industry is associated with many upstream and downstream industries, and its virtuous circle is of great significance to the healthy development of the economy." Yi Gang said. With the acceleration of population aging in China, how to meet the diversified pension investment needs of the general public is a new topic facing the financial industry. Guo Shuqing, Secretary of the Party Committee of the People's Bank of China and Chairman of the China Banking and Insurance Regulatory Commission, made it clear in his speech that the most important thing to standardize the development of the third pillar of pension insurance is to encourage financial institutions to develop commercial pension financial products that match the name and reality and operate safely. "By optimizing the allocation of large categories of assets, we set up income smoothing funds and risk reserve funds to provide matching pension financial products for groups with different risk preferences and affordability." Guo Shuqing said. In recent years, some financial institutions have tried to launch financial products with the word "pension", but most of them do not have the real pension function. To this end, the regulatory authorities have opened the "front door" while "blocking the side door", and products such as exclusive commercial endowment insurance, endowment financing, and specific endowment savings have been launched successively. "After the clean-up and rectification in recent years, the insurance products with pension properties are increasing rapidly