According to the news on the website of the CBRC on January 25, the working meeting of the CBRC in 2022 was held in the afternoon of January 24 in the form of video to summarize the banking and insurance supervision in 2021, analyze and study the situation and deploy the key tasks in 2022
source: website of China Banking and Insurance Regulatory Commission
better serve "specialized and special new" enterprises
According to the data of the CBRC, in 2021, RMB loans increased by 19.95 trillion yuan, the balance of insurance funds increased by 2.5 trillion yuan, and bank insurance institutions increased bond investment by 7.73 trillion yuan. Manufacturing loans increased by 623.4 billion yuan year-on-year. Inclusive small and micro enterprise loans increased by 24.9%, of which China's large commercial banks increased by 41.4%. Agriculture related loans increased by 11.2%.
In 2021, the insurance industry's compensation increased by 14.12% year-on-year, paying about 11.6 billion yuan for the reconstruction after the rainstorm in Henan and Shanxi, and covid-19 vaccine insurance provided protection for more than 2.8 billion doses of vaccination.
The meeting stressed that efforts should be made to promote a virtuous cycle of the national economy in 2022. In accordance with the requirements of stability and seeking progress while maintaining stability, we will fully support the stabilization of the macro-economic market. Reasonably increase the financing supply and ensure the financing of key areas and major projects in the 14th five year plan.
We will support moderately advanced infrastructure investment. Promote the financing increment, expansion and price reduction of small, medium-sized and micro enterprises. Innovation supports major national scientific and technological tasks and better serves key core technology research enterprises and "specialized and special new" enterprises.
Optimize the co insurance mechanism in key areas, and promote the pilot of new materials and the first set of insurance. Focus on orderly promoting carbon peak and carbon neutralization, innovate green financial products and services, and support stable energy production and supply. We will continue to standardize the development of the third pillar of old-age insurance and promote the improvement of health insurance services.
properly deal with the rebound of non-performing assets
In terms of risk prevention, a total of 3.1 trillion yuan of non-performing assets of the banking industry were disposed of in 2021. The disposal of high-risk banking and insurance institutions was carried out in an orderly manner. The scale of such credit shadow banks decreased by 4.2 trillion yuan over the beginning of the year. The task of rectifying the stock of bank financial management business has been basically completed. Positive progress has been made in preventing and resolving risks of large enterprise groups. The rectification and improvement of relevant financial businesses of Internet platform enterprises were carried out in an orderly manner.
The meeting called for unremitting efforts to prevent and resolve financial risks. We will continue to follow the basic principles of "stabilizing the overall situation, overall planning and coordination, implementing policies by categories and accurately dismantling bombs", handle risks in the financial field steadily and firmly hold the bottom line of no systemic financial risks. Compact the responsibilities of all parties and orderly promote the disposal of high-risk financial institutions. Properly deal with the rebound of non-performing assets.
Adhere to the positioning that houses are used for living rather than speculation, continue to improve the long-term mechanism of "stabilizing land prices, house prices and expectations", and implement policies to promote the virtuous cycle and healthy development of the real estate industry.
Continue to dismantle high-risk shadow banks and fully implement the new regulations on asset management. Severely crack down on illegal financial activities, and seriously rectify the chaos of "agent surrender". We will speed up the handling of illegal fund-raising on file and strictly prevent risk rebound.
prevent disorderly expansion of capital in the financial field
The meeting stressed the need to resolutely prevent the disorderly expansion of capital in the financial field and set up "traffic lights" for capital in the financial field. Adhere to the "two unwavering" and give full play to the positive role of capital in financial activities. Promote small and medium-sized banking and insurance institutions to supplement capital through multiple channels in accordance with the law. Strengthen the effective supervision of capital according to law, build a "firewall" of industrial capital and financial capital, strengthen the penetrating supervision of shareholders, and strictly prevent bank insurance funds from being used for blind "leverage".
Improve the corporate governance mechanism of effective checks and balances, and guide the in-depth integration of the party's leadership and corporate governance. Promote the role of China's financial talent pool. Strengthen financial antitrust and unfair competition. Adhere to the licensed business rules of financial business and severely crack down on "unlicensed driving".
continue to promote the merger and reorganization of small and medium-sized financial institutions
The meeting pointed out that we should continue to deepen the reform and opening up of the banking and insurance industry.
In accordance with the guiding principles of strengthening the party's leadership, implementing the responsibilities of all parties, standardizing equity relations, improving corporate governance and popularizing professional management, "one province, one policy" accelerated the reform of rural credit cooperatives. We will continue to promote the merger and reorganization of small and medium-sized financial institutions and support the accelerated disposal of non-performing assets. We will promote the reform of policy bank ledger. Guide large banks to improve the level of comprehensive financial services.
We will unswervingly promote the return of the insurance industry to its source of protection. Build a new insurance intermediary market system. Promote the high-quality development of asset management business. Promote the transformation and development of trust companies. Clarify the functional positioning of non bank institutions.
maintain the high pressure of administrative punishment
In 2021, 3870 banking and insurance institutions were punished, 6005 persons were punished and 2.699 billion yuan was confiscated. We will strengthen the protection of the rights and interests of financial consumers and promote the reduction or exemption of 369.2 billion yuan in service charges.
The meeting called for the use of legal thinking to improve the ability of administration according to law. Maintain the high pressure of administrative punishment and effectively increase the cost of financial violations. Strengthen the scientific and technological support for legal supervision and improve the digital and intelligent level of supervision.
The meeting pointed out that we should carry forward the spirit of self revolution and promote the in-depth development of comprehensively and strictly administering the party. We will continue to deepen the fight against corruption in the financial sector and seriously investigate and deal with major corruption problems behind financial risks. Implement the opinions on strengthening the construction of a clean and honest culture in the new era, deepen the promotion of reform, construction and governance through cases, and promote corruption in an integrated way.
