China News Service, March 25. According to the website of the central bank, on March 22, a symposium on the optimization and adjustment of the credit structure of major banks nationwide was held in Beijing.
The meeting emphasized that we should adhere to the positioning of "the house is for living, not for speculation", maintain the continuity, consistency and stability of the real estate financial policy, implement the real estate financial prudential management system, and increase financial support for housing leasing.
Data map: People's Bank of China.
Photo by China News Agency reporter Zhang Xinglong
On March 22, the central bank held a symposium on the optimization and adjustment of the credit structure of 24 major banks across the country to summarize and exchange experience and practices, analyze and study the credit situation, and make arrangements to advance the next stage of credit structure optimization.
The meeting believed that in 2020, facing the complex and severe domestic and foreign situation, especially the severe impact of the new crown pneumonia epidemic, the financial system will earnestly implement a prudent monetary policy, rationally arrange the total amount and pace of credit supply, and implement an orderly implementation of 1.8 trillion yuan. The loan rediscount policy has benefited the real economy by 1.5 trillion yuan, fully supported the fight against the epidemic, guaranteed supply, market players, and economic and social development, and provided strong support for China to take the lead in controlling the epidemic, resuming work and production, and realizing positive economic growth.
The meeting pointed out that the current recovery of my country's real economy is not yet solid, and the credit structure in key areas and weak links still needs to be adjusted and optimized.
The financial system must fully understand the necessity and urgency of continuously optimizing and adjusting the credit structure.
The meeting emphasized that in the next stage, the financial system should adhere to the general tone of seeking progress while maintaining stability, and insist on using reforms to unblock policy transmission, and further enhance the ability and level of serving the high-quality development of the economy.
One is to grasp the word "stable".
In terms of the total amount, we must "stable the word at the head", maintain steady growth in loans, at a reasonable level, and grasp the rhythm.
Maintain the continuity and stability of the credit support policy for small and micro enterprises, strengthen the construction of financial service capabilities for small and micro enterprises, and achieve inclusive small and micro loans to continue to "increased in volume, decreased in price, and expanded."
Promote the financial system to continue to make reasonable profit transfers to the real economy, and the overall financing costs of small and micro enterprises have steadily decreased.
Adhere to the positioning of "the house is for living, not for speculation", maintain the continuity, consistency, and stability of the real estate financial policy, implement the real estate financial prudential management system, and increase financial support for housing leasing.
The second is to grasp the word "in".
Focusing on achieving the carbon peak and carbon neutral strategic goals, set up carbon emission reduction support tools, guide commercial banks to increase support for carbon emission reduction investment and financing activities in accordance with market principles, and leverage more financial resources to tilt toward green and low-carbon industries .
Commercial banks must strictly implement green financial standards, innovate industries and services, strengthen information disclosure, and adjust the allocation of credit resources in a timely manner.
Further increase support for technological innovation and manufacturing, increase the proportion of manufacturing loans, and increase credit for high-tech manufacturing.
The third is to grasp the word "reform".
Adhere to the principles of marketization and rule of law, and comprehensively consider factors such as capital investment, assets and liabilities, profits, and risk indicators in a forward-looking manner, and continue to enhance the capabilities of financial service entities.
Improve the business philosophy, enhance the level of financial technology, and strengthen the judgment of the actual credit risk of the enterprise.
While managing risks well, optimize internal assessment and incentive measures, increase credit to economically difficult provinces based on local conditions, and support coordinated regional development.