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銀保監會定調銀行保險發展方向房住不炒控居民杠桿率過快增長
2020-01-06 21:57  www.katninews.com

南都訊剛剛,銀保監會發布《中國銀保監會關于推動銀行業和保險業高質量發展的指導意見》(以下簡稱《意見》),推動銀行業和保險業高質量發展,更好服務現代化經濟體系建設。

Just now, the China Banking Regulatory Commission has issued the China Banking Regulatory Commission's Guiding Opinions on Promoting the High-quality Development of the Banking and Insurance Industry (hereinafter referred to as the \"Opinions \") to promote the high-quality development of the banking and insurance industry and better serve the construction of a modern economic system.

其中,公司治理水平持續提升,基本建立中國特色現代金融企業制度。個性化、差異化、定制化產品開發能力明顯增強,形成有效滿足市場需求的金融產品體系。信貸市場、保險市場、信托市場、金融租賃市場和不良資產市場進一步健全完善。重點領域金融風險得到有效處置,銀行保險監管體系和監管能力現代化建設取得顯著成效。

Among them, the level of corporate governance continues to improve, the basic establishment of modern financial enterprise system with Chinese characteristics. The ability of personalized, differentiated and customized product development is obviously enhanced, and a financial product system is formed to meet the market demand effectively. The credit market, insurance market, trust market, financial leasing market and non-performing assets market have been further improved. Financial risks in key areas have been effectively addressed, and the modernization of the banking insurance supervision system and regulatory capacity has achieved remarkable results.

銀行保險機構要落實“房住不炒”的定位,嚴格執行房地產金融監管要求,防止資金違規流入房地產市場,抑制居民杠桿率過快增長,推動房地產市場健康穩定發展。

Banking and insurance institutions should implement the positioning of \"housing and not speculation,\" strictly enforce the requirements of real estate financial supervision, prevent the illegal flow of funds into the real estate market, curb the rapid growth of the leverage ratio of residents, and promote the healthy and stable development of the real estate market.

繼續做好地方政府隱性債務風險化解,依法明確存量債務償債責任,規范支持地方政府債券發行和配套融資,嚴禁違法違規提供新增融資。加大對脫離主業盲目擴張、高負債經營企業風險的排查監測。穩妥化解集團客戶信用風險,有序退出“僵尸企業”,推動企業部門結構性去杠桿。

We will continue to do a good job in resolving the hidden debt risks of local governments, clarify the debt repayment responsibilities of stock debt in accordance with the law, standardize support for local government bond issuance and supporting financing, and strictly prohibit illegal and illegal provision of new financing. Increase the blind expansion away from the main business, high-debt enterprises risk investigation and monitoring. Safely resolve group customer credit risk, orderly exit \"zombie enterprises \", promote the enterprise sector structural deleveraging.

運用多種方式為直接融資提供配套支持,提高直接融資比重。有效發揮理財、保險、信托等產品的直接融資功能,培育價值投資和長期投資理念,改善資本市場投資者結構。大力發展企業年金、職業年金、各類健康和養老保險業務,多渠道促進居民儲蓄有效轉化為資本市場長期資金。鼓勵各類合格投資機構參與市場化法治化債轉股。

Use various ways to provide supporting support for direct financing, and increase the proportion of direct financing. Give full play to the direct financing function of financial management, insurance, trust and other products, cultivate the concept of value investment and long-term investment, and improve the structure of investors in the capital market. Vigorously develop enterprise annuity, occupational annuity, all kinds of health and old-age insurance business, and promote the effective conversion of residents'savings into long-term funds in the capital market through multiple channels. All qualified investment institutions are encouraged to participate in market-oriented debt-for-equity swaps based on the rule of law.

吸引財富管理、不良資產處置、專業保理、消費金融、養老保險、健康保險等領域的外資金融機構進入境內市場。鼓勵境外金融機構參與設立、投資入股商業銀行理財子公司,允許境外資產管理機構與中資銀行或保險公司的子公司合資設立由外方控股的理財公司。支持外資銀行保險機構根據業務需求合理布設子行、分行、子公司等分支機構,拓寬業務范圍。

Attract foreign financial institutions in the fields of wealth management, disposal of non-performing assets, professional factoring, consumer finance, old-age insurance, health insurance and other fields to enter the domestic market. Foreign financial institutions are encouraged to participate in the establishment and investment of financial subsidiaries of commercial banks, and overseas asset management institutions are allowed to establish joint ventures with subsidiaries of Chinese banks or insurance companies to establish financial management companies controlled by foreign parties. To support insurance institutions of foreign-funded banks to rationally set up sub-banks, branches, subsidiaries and other branches according to their business needs, so as to broaden their business scope.