In response to the current situation that some industries and enterprises in my country are affected by the epidemic and have difficulties in production and operation, the person in charge of the relevant departments of the China Banking and Insurance Regulatory Commission said yesterday (25th) that they will implement various support policies and implement them to help enterprises in industries affected by the epidemic recover. developing.

　　According to reports, in the past two years, the China Banking and Insurance Regulatory Commission has guided banking and insurance institutions to continue to strengthen financial services in areas that have been greatly affected by the epidemic.

The policy of deferred repayment of principal and interest for small and micro enterprise loans was implemented and smoothly converted.

We will also work with relevant departments to issue special relief policies for various industries such as civil aviation, cultural tourism, and offline retail in a timely manner, increase credit issuance, and support the stable recovery of the national economy.

　　He Guofeng, deputy director of the Political Research Bureau of the China Banking and Insurance Regulatory Commission: Renewing loans and renewing loans can help companies solve their difficulties and avoid industry-wide "one-size-fits-all" loan restrictions, loan withdrawals and loan terminations.

It is necessary to push banking institutions to reduce actual loan profits and appropriately reduce fees, so that the majority of market players can personally feel that comprehensive financing costs are actually declining.

　　In addition, the China Banking and Insurance Regulatory Commission will also expand the coverage of inclusive finance by focusing on industries and enterprises that have been greatly affected by the epidemic, and promote the significant growth of inclusive small and micro loans and the continued increase in the proportion of credit loans and first-time lenders.

Large commercial banks, joint-stock banks, and small and micro enterprises are required to make their first loans higher than last year.

Encourage insurance companies to optimize insurance products, provide good claims settlement services, and provide insurance protection for losses that may result in business shutdowns due to the epidemic.

China Banking and Insurance Regulatory Commission: Improve the availability and convenience of financial services for "new citizens"

　　In addition to assisting the production of enterprises, the China Banking and Insurance Regulatory Commission also recently issued the "Notice on Strengthening Financial Services for "New Citizens" in conjunction with the People's Bank of China.

So, how can financial institutions improve the availability and convenience of financial services for "new citizens"?

　　New citizens mainly refer to all kinds of groups who have come to cities and towns for reasons such as starting their own businesses, going to school, and relying on their children, and have not yet obtained local household registration or have obtained local household registration for less than three years. Graduates of technical secondary schools are all new citizens, and there are currently about 300 million new citizens nationwide.

　　The person in charge of the relevant department of the China Banking and Insurance Regulatory Commission said on the 25th that the focus of providing financial services for "new citizens" is to help "new citizens" live and start businesses in cities and towns, and effectively enhance their sense of gain, happiness and security.

　　Zhu Lixia, Deputy Director of the Large Banking Department of the China Banking and Insurance Regulatory Commission: In terms of promoting entrepreneurship and employment, banking and insurance institutions will be encouraged to optimize their credit status assessment technology and reduce the cost of entrepreneurial financing for "new citizens".

We encourage more financial support for small and micro enterprises with more jobs for "new citizens", and improve the level of insurance coverage for "new citizens" to start their own businesses.

In terms of housing, it mainly helps to increase the supply of affordable housing, especially affordable rental housing, and covers more local housing for "new citizens".

　　Zhu Lixia said that the regulatory authorities should also encourage commercial banks to strengthen cooperation with local governments and provide financial support for vocational skills training for "new citizens".

Support insurance institutions to strengthen product innovation, actively connect with relevant enterprises, provide flexible, affordable and convenient group health insurance products, and improve the health insurance service level of "new citizens".

China Banking and Insurance Regulatory Commission: It will promote the establishment of a financial stability guarantee fund as soon as possible

　　The establishment of a financial stability guarantee fund is a common practice in various countries to deal with financial risks. This year's "Government Work Report" also proposed "the establishment of a financial stability guarantee fund" for the first time.

The person in charge of the relevant departments of the China Banking and Insurance Regulatory Commission said yesterday (25th) that the establishment of my country's financial stability guarantee fund will be promoted as soon as possible.

　　The person in charge of the relevant departments of the China Banking and Insurance Regulatory Commission said that the current operation of my country's financial industry is generally stable, and financial risks are showing a trend of convergence.

Important phased results have also been achieved in the tough battle to prevent and resolve major financial risks.

However, with the increasing uncertainties at home and abroad, the financial industry is still faced with relatively large risks and challenges.

　　Zhu Lixia, Deputy Director of the Large Banking Department of the China Banking and Insurance Regulatory Commission: We must take precautionary measures to reserve resources for risk mitigation. Based on the actual situation of our country, we should establish a financial stability guarantee fund and improve the financial stability guarantee fund system with Chinese characteristics.

At present, the relevant work is still in the process of advancing, including the legal level, the regulatory level, the system design, the management mechanism, or the raising and use of funds, which are still in the process of advancing.

　　Zhu Lixia said that the financial stability guarantee fund is used for the disposal of major risks with systemic hidden dangers, and the deposit insurance and industry guarantee funds that play the role of routine risk disposal are all indispensable parts of my country's financial safety net.

It will differentiate between different industries and different entities and implement differentiated charges in order to balance risks, benefits and responsibilities, and avoid losses to the interests of the state and taxpayers.