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银保监会定调银行保险发展方向房住不炒控居民杠杆率过快增长
2020-01-10 21:13   来源:  www.ultrue.cn   评论:0 点击:

银保监会定调银行保险发展方向房住不炒控居民杠杆率过快增长南都讯刚刚,银保监会发布《中国银保监会关于推

南都讯刚刚,银保监会发布《中国银保监会关于推动银行业和保险业高质量发展的指导意见》(以下简称《意见》),推动银行业和保险业高质量发展,更好服务现代化经济体系建设。

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,公司治理水平持续提升,基本建立中国特色现代金融企业制度。个性化、差异化、定制化产品开发能力明显增强,形成有效满足市场需求的金融产品体系。信贷市场、保险市场、信托市场、金融租赁市场和不良资产市场进一步健全完善。重点领域金融风险得到有效处置,银行保险监管体系和监管能力现代化建设取得显著成效。

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.

银行保险机构要落实“房住不炒”的定位,严格执行房地产金融监管要求,防止资金违规流入房地产市场,抑制居民杠杆率过快增长,推动房地产市场健康稳定发展。

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.

继续做好地方政府隐性债务风险化解,依法明确存量债务偿债责任,规范支持地方政府债券发行和配套融资,严禁违法违规提供新增融资。加大对脱离主业盲目扩张、高负债经营企业风险的排查监测。稳妥化解集团客户信用风险,有序退出“僵尸企业”,推动企业部门结构性去杠杆。

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.

运用多种方式为直接融资提供配套支持,提高直接融资比重。有效发挥理财、保险、信托等产品的直接融资功能,培育价值投资和长期投资理念,改善资本市场投资者结构。大力发展企业年金、职业年金、各类健康和养老保险业务,多渠道促进居民储蓄有效转化为资本市场长期资金。鼓励各类合格投资机构参与市场化法治化债转股。

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.

吸引财富管理、不良资产处置、专业保理、消费金融、养老保险、健康保险等领域的外资金融机构进入境内市场。鼓励境外金融机构参与设立、投资入股商业银行理财子公司,允许境外资产管理机构与中资银行或保险公司的子公司合资设立由外方控股的理财公司。支持外资银行保险机构根据业务需求合理布设子行、分行、子公司等分支机构,拓宽业务范围。

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.


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