Promote a virtuous circle of economy and finance

　　Recently, the China Banking and Insurance Regulatory Commission released the latest data on the operation of the banking insurance industry and answered questions from reporters on hot issues in related fields.

　　The latest data shows that as of the end of June, the total domestic assets of my country's banking industry were 301.5 trillion yuan, a year-on-year increase of 9.8%. In the first half of the year, RMB loans increased by 12.09 trillion yuan, an increase of 2.42 trillion yuan year-on-year. At the end of June, the balance of non-performing loans was 3.6 trillion yuan, an increase of 400.4 billion yuan from the beginning of the year. The non-performing loan ratio was 2.10%, an increase of 0.08 percentage points from the beginning of the year. The provision coverage ratio was 178.1%, a decrease of 4 percentage points from the beginning of the year. The total insurance assets were 21.7 trillion yuan, an increase of 5.7% over the beginning of the year. The comprehensive solvency adequacy ratio of insurance companies was 244.6%, and the core solvency adequacy ratio was 233.6%, which remained at a relatively high level. In the first half of the year, premium income was 2.7 trillion yuan, a year-on-year increase of 6.4%. The main operating and regulatory indicators of bank insurance institutions are within a reasonable range.

　　A spokesman for the China Banking and Insurance Regulatory Commission pointed out that at present, the overall operation of my country's banking and insurance industry is sound, the risks are controllable, and the ability to serve the real economy is constantly improving. However, we must also see that the potential risks will remain relatively large in the coming period, and we must remain sober, calmly judge, and plan ahead.

　　"The Banking and Insurance Regulatory Commission will continue to maintain its strength in accordance with the new situation and new situation, optimize the regulatory measures, deal with violations of laws and regulations in accordance with the law, effectively improve the ability to prevent and resolve financial risks, continue to deepen financial reform and opening up, and promote the quality and efficiency of serving the real economy. , To ensure the stable operation of the banking insurance industry and achieve high-quality development." The person in charge said.

　　The person in charge further pointed out that the Banking and Insurance Regulatory Commission will start with the total amount and structure at the same time, guide the banking insurance institutions to do a good job of "six stability" and "six guarantees" financial services, and promote a virtuous cycle of economic and financial.

　　Specifically, we will focus on implementing policies from five aspects:

　　One is to open up and restore the economic cycle. Continue to consolidate the momentum of economic recovery and development, study and implement "low-cost unsecured" emergency loans for small and medium-sized enterprises and emergency financing arrangements for large and medium-sized enterprises to better play the role of policy financial countercyclical adjustment.

　　The second is to enhance the stamina of economic development. Increase credit support for key industries and inclusive small and micro enterprises, and actively expand final consumer demand.

　　The third is to better play the insurance protection function. Optimize and perfect insurance products, especially disaster insurance, public health insurance, health insurance, etc., accelerate the speed of claims, improve the efficiency of claims, so that enterprises can get insurance compensation in time and resume work as soon as possible.

　　The fourth is to continuously improve the synergy of macro policies. Strengthen the coordination of various policies in finance, finance, employment, industry, etc. to achieve mutual support of multiple levels of policies to better serve various market players.

　　The fifth is to urge and guide the funds to "get rid of virtual reality." Strictly crack down on capital idling and illegal arbitrage according to law, strengthen capital flow supervision, regulate cross-market capital transactions and business cooperation, and ensure that financial resources truly flow to the areas and links most needed in the real economy. (Reporter Wang Junling)