China News Service, Beijing, January 30 (Reporter Xia Bin) Under the guidance of the State Administration of Financial Supervision and Administration, the China Banking Association released the "Ten Major Events in the Banking Industry in 2023" on the 30th. This is the 17th consecutive year that it has organized and carried out Review and release of "Ten Major Events in the Banking Industry".
It is reported that the 2023 annual review and release work has solicited all member units, and a total of 403 major industry events recommended by central-level, mainstream media and professional committees of the China Banking Association. An expert jury composed of 11 relevant persons in charge, university scholars, industry experts, etc. from regulatory authorities, industry associations, news media and other units will conduct reviews, strictly implement relevant procedures, and finally evaluate the "Ten Major Events in the Banking Industry in 2023".
Specifically, first, the Central Financial Work Conference was held, which proposed for the first time "the need to accelerate the construction of a financial power", requiring that we unswervingly follow the path of financial development with Chinese characteristics, promote high-quality financial development in our country, and comprehensively promote the construction of a strong country with Chinese-style modernization. provide strong support for the great cause of national rejuvenation; the banking industry thoroughly implements the spirit of the Central Economic Work Conference and the Central Financial Work Conference, solidly carries out thematic education, and continuously creates new situations in financial work in the new era.
Second, the "Party and State Institutional Reform Plan" was announced to establish the Central Financial Commission and the Central Financial Working Committee to strengthen the centralized and unified leadership of the Party Central Committee on financial work. The central financial management department has adjusted its structure and functions, and the State Financial Supervision and Administration Bureau has officially been established to establish a financial supervision structure of "one bank, one bureau, and one meeting". The reform of the financial supervision system has taken important steps.
Third, the banking industry implements the "Implementation Opinions of the State Council on Promoting the High-quality Development of Inclusive Finance", refines policies and measures, increases financial support for the "agriculture, rural areas and farmers" areas, and promotes the construction of a high-level inclusive financial system; continues to reduce fees Distribute profits, benefit enterprises and the people, adjust the prices of some bank services, improve service quality and efficiency, and accelerate the development of green finance and pension finance.
Fourth, the financial management department has comprehensively strengthened supervision, prevented and resolved risks, and issued the "Measures for the Classification of Financial Asset Risks of Commercial Banks", "Measures for the Capital Management of Commercial Banks" and "Measures for the Operational Risk Management of Banking and Insurance Institutions" to build a differentiated capital supervision system and improve banking institutions. Operational risk supervision rules have improved the comprehensive risk management level of the banking industry; five large banks have been selected as global systemically important banks, and my country's systemically important banks have been expanded to 20, and the reform of small and medium-sized financial institutions has been promoted in an orderly manner.
Fifth, the central bank insisted on implementing a prudent monetary policy and cut reserve requirements and interest rates twice across the board. Commercial banks lowered the listed deposit interest rates, which promoted the stability and decline of comprehensive financing costs, effectively supported the recovery of the real economy, stabilized market expectations, and boosted the market. confidence.
Sixth, we should vigorously develop technology finance and digital finance, and implement policy combinations from multiple departments to carry out the "one chain, one policy, one batch" financing promotion action for small, medium and micro enterprises; the banking industry will increase support for specialized, specialized, new, small and medium-sized enterprises, etc. to promote digital The deep integration of the economy and the real economy helps high-level science and technology to become self-reliant and self-reliant.
The seventh is to adjust and optimize real estate financial policies. Multiple departments have promoted the implementation of "recognizing a house without subscribing for a loan" for first-home loans. Commercial banks have steadily lowered the lower limit of mortgage interest rates and existing first-home loan interest rates to meet the reasonable financing needs of real estate companies of different ownerships without discrimination and promote the real estate market. Stable and healthy development.
Eighth, multiple departments have jointly implemented policies and issued a series of measures such as the "Notice on Strengthening Financial Support Measures to Support the Development and Growth of the Private Economy". Banking financial institutions continue to strengthen financial services, promote the continuous increase in the volume, expansion of coverage, and reduction of prices for private enterprise financing, and make every effort to Promote the private economy to become bigger, better and stronger.
Ninth, we insist on paying equal attention to "bringing in" and "going out", provide high-quality services to jointly build the "Belt and Road", optimize the "Cross-border Wealth Management Connect" business pilot in the Guangdong-Hong Kong-Macao Greater Bay Area, and officially launch the "Northbound Interchange Connect" to continue to create With a market-oriented, legalized and international business environment, the high-level opening up of the banking industry is steadily advancing.
Ten is that the State Financial Supervision and Administration Bureau coordinates the promotion of the protection of financial consumer rights and interests, firmly establishes the concept of "supervision for the people", leads multiple departments to jointly carry out the "2023 Financial Consumer Rights Protection Education and Publicity Month" event, and promotes the special project of "Doing Practical Matters for the People" Take action to create a safe and stable financial consumption environment. (over)