Mark-To The Moon - Tiger Brokers Online Investing Community

Like
Comment
Favorite

野生投资家
2021-03-02

Mark

Involving real estate, anti-monopoly, foreign capital inflow! Understand the key points of Guo Shuqing's speech in one article

欧美发达国家的金融市场和实体经济严重背道而驰，很担心国外金融市场的泡沫问题哪一天会破灭，现在中国市场与外国市场高度相连，外国资本持续流入。3月2日，国务院新闻办公室举行新闻发布会，请人民银行党委书记

Involving real estate, anti-monopoly, foreign capital inflow! Understand the key points of Guo Shuqing's speech in one article

Disclaimer: Investing carries risk. This is not financial advice. The above content should not be regarded as an offer, recommendation, or solicitation on acquiring or disposing of any financial products, any associated discussions, comments, or posts by author or other users should not be considered as such either. It is solely for general information purpose only, which does not consider your own investment objectives, financial situations or needs. TTM assumes no responsibility or warranty for the accuracy and completeness of the information, investors should do their own research and may seek professional advice before investing.

Report

Comment

Top
Latest

No comments yet

Most Discussed

{"i18n":{"language":"en_US"},"data":{"magic":2,"id":362442553,"tweetId":"362442553","gmtCreate":1614662487172,"gmtModify":1704773698898,"author":{"id":3502502252379822,"idStr":"3502502252379822","authorId":3502502252379822,"authorIdStr":"3502502252379822","name":"野生投资家","avatar":"https://static.tigerbbs.com/95b43328c8b231b9c00da7bc6969d49a","vip":1,"userType":1,"introduction":"","boolIsFan":false,"boolIsHead":false,"crmLevel":5,"crmLevelSwitch":0,"individualDisplayBadges":[],"fanSize":1,"starInvestorFlag":false},"themes":[],"images":[],"coverImages":[],"extraTitle":"","html":"<html><head></head><body>Mark</body></html>","htmlText":"<html><head></head><body>Mark</body></html>","text":"Mark","highlighted":1,"essential":1,"paper":1,"likeSize":0,"commentSize":0,"repostSize":0,"favoriteSize":0,"link":"https://ttm.financial/post/362442553","repostId":1149461614,"repostType":4,"repost":{"id":"1149461614","kind":"news","weMediaInfo":{"introduction":"为用户提供金融资讯、行情、数据，旨在帮助投资者理解世界，做投资决策。","home_visible":1,"media_name":"老虎资讯综合","id":"102","head_image":"https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba"},"pubTimestamp":1614654493,"share":"https://ttm.financial/m/news/1149461614?lang=en_US&edition=fundamental","pubTime":"2021-03-02 11:08","market":"us","language":"zh","title":"Involving real estate, anti-monopoly, foreign capital inflow! Understand the key points of Guo Shuqing's speech in one article","url":"https://stock-news.laohu8.com/highlight/detail?id=1149461614","media":"老虎资讯综合","summary":"欧美发达国家的金融市场和实体经济严重背道而驰，很担心国外金融市场的泡沫问题哪一天会破灭，现在中国市场与外国市场高度相连，外国资本持续流入。3月2日， 国务院新闻办公室举行新闻发布会，请人民银行党委书记","content":"The financial markets of developed countries in Europe and America run counter to the real economy, and they are worried that the bubble problem in foreign financial markets will burst one day. Now the Chinese market is highly connected with foreign markets, and foreign capital continues to flow in. On March 2, the Information Office of the State Council held a press conference, inviting Guo Shuqing, Secretary of the Party Committee of the People's Bank of China and Chairman of the China Banking and Insurance Regulatory Commission, to introduce the situation of promoting the high-quality development of the banking and insurance industries and answer reporters' questions.The main points are as follows:The core problem in the real estate field is that the bubble is relatively largeThe core problem in the real estate field is that the bubble is relatively large, and the tendency of financialization bubble is relatively strong. It is the biggest gray rhinoceros in the financial system. Many people buy houses not for living, but for investment and speculation, which is very dangerous. However, in 2020, the growth rate of real estate loans was lower than the growth rate of various loans for the first time in eight years. This achievement is hard-won, and I believe that the real estate problem can be gradually alleviated.Taking risk prevention as the eternal theme of the financial industry, strengthening anti-monopoly and preventing the disorderly expansion of capitalGuo Shuqing said that 2021 is the first year of the \"14th Five-Year Plan\". The China Banking and Insurance Regulatory Commission will regard risk prevention as the eternal theme of the financial industry, unswervingly monitor and resolve various financial risks, strengthen the financial rule of law, and improve long-term mechanisms. Maintain the market environment of published competition, strengthen anti-monopoly and prevent the disorderly expansion of capital, and ensure that financial innovation is carried out under prudent premise.Decisive achievements have been made in the battle against and resolving financial risksAt present, decisive achievements have been made in the battle to prevent and resolve financial risks. The financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversed. From 2017 to 2020, the average annual growth rates of total assets in the banking and insurance industries were 8.3% and 11.4% respectively, which are roughly only half of the average annual growth rate from 2009 to 2016. The proportion of idling interbank assets within the financial system has dropped significantly.The financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversedThe financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversed. From 2017 to 2020, the average annual growth rates of total assets of the banking and insurance companies were 8.3% and 11.4% respectively, roughly only half of the average annual growth rate from 2009 to 2016. The proportion of idling interbank assets within the financial system has dropped significantly.The financial markets of developed countries in Europe and America run counter to the real economy seriouslySince the outbreak of the epidemic, all countries have adopted proactive fiscal policies and extremely loose monetary policies, which is understandable. Now some side effects are beginning to appear. For example, the financial markets of developed countries in Europe and America are seriously contrary to the real economy, and I am worried that this situation will be forced to adjust sooner or later. \"I am very worried that the bubble problem in foreign financial markets will burst one day. Now the Chinese market is highly connected with foreign markets, and foreign capital continues to flow in. However, at present, the scale and speed of foreign capital inflows are still under control.In 2020, 3,178 illegal banking and insurance institutions were punished, with fines and confiscations amounting to 2.28 billion yuanIn 2020, a total of 164 people were disciplined by the CBIRC system. Accelerate the filling of system shortcomings, and complete the construction of 61 regulatory rules and regulations in 2020. We will deal with chaos with heavy punches and maintain a high-pressure situation of accountability for cases. In 2020, 3,178 illegal banking and insurance institutions will be punished, 4,554 responsible persons will be punished, and the total amount of fines and confiscations will be 2.28 billion yuan. Promote the diversified resolution of financial disputes, and retire and pay consumers 17.7 billion yuan.Shadow banking has been dismantled in an orderly manner, and the scale has dropped by 20 trillion yuan from its peakFrom 2017 to 2020, a total of 8.8 trillion yuan of non-performing loans were disposed of, exceeding the sum of the previous 12 years. Shadow banking has been dismantled in an orderly manner, and its scale has dropped by 20 trillion yuan compared with its peak.The cumulative disposal of non-performing loans since 2017 exceeds the total of the previous 12 years of 8.8 trillion yuanIn recent years, the identification and disposal of non-performing assets in the banking industry has made great strides. In 2017 and 2020, a total of 8.8 trillion yuan of non-performing loans were disposed of, exceeding the sum of the previous 12 years. The momentum of real estate financialization bubble has been curbed. In 2020, the growth rate of real estate loans will be lower than the growth rate of various loans for the first time in eight years.The total investment in information technology funds of banking institutions in 2020 reached 207.8 billion yuanIn 2020, the total investment of information technology funds by banking institutions and insurance institutions was 207.8 billion yuan and 35.1 billion yuan respectively, a year-on-year increase of 20% and 27%. According to the reports of relevant international organizations, China's inclusive financial services have reached the world's advanced level, and electronic payment, digital credit and online insurance are in the world's leading positions.The operating efficiency of four large commercial banks has approached the international advanced levelThe corporate governance of banking and insurance institutions with Chinese characteristics has been gradually improved. At present, China's commercial banking system is constantly optimized and the market competition is sufficient. The operating efficiency of the four large commercial banks is close to the international advanced level, and they have achieved catch-up in terms of labor productivity, cost-income ratio, profitability and technological innovation. The capital adequacy level of large insurance companies is also comparable to that of their counterparts in the United States, Europe and Japan.Last year, the banking industry disposed of more than 3 trillion non-performing loans throughout the year. The scale of non-performing loan disposal may increase this year and nextAfter the outbreak of the epidemic, the production activities of some enterprises are in an abnormal state, and repayment faces some difficulties, so the increase of non-performing loans is an inevitable trend. In 2020, the banking industry has begun to increase efforts to dispose of non-performing loans. The disposal of non-performing loans throughout the year exceeded 3 trillion yuan, an increase of 700 to 800 billion yuan over the previous year. The scale of non-performing loans that may need to be disposed of will increase in 2021, and this trend will even continue into next year. However, we have the confidence and ability to properly dispose of non-performing assets. First, we must intensify our efforts; second, we must strive for progress while maintaining stability and maintain the affordability of banks and the economic system.New manufacturing loans in 2020 will be 2.2 trillion yuan, exceeding the sum of the previous five yearsIn 2020, new manufacturing loans were 2.2 trillion yuan, exceeding the sum of the previous five years; New private enterprise loans were 5.7 trillion yuan, an increase of 1.5 trillion yuan over the previous year; Health insurance compensation expenditure was 292.1 billion yuan, a year-on-year increase of 24.2%, and a long-term health insurance risk reserve of 1.57 trillion yuan was accumulated.Encourage the development of Internet banking, but it must implement unified management according to the laws and rules of financeRegardless of any format of financial business, it must be managed in accordance with corresponding rules and regulations, laws and regulations, without any exceptions. Internet banks, such as online merchant banks and Weizhong banks, are encouraged to develop, but they must be managed in a unified way according to the laws and rules of finance. \"We don't think there are financial businesses that restrict them and are not suitable for their development.\" Guo Shuqing said, but any financial business should be regulated according to the same rules in the industry. It is believed that relevant institutions can achieve healthier development after adjusting according to the corresponding requirements.Loan rates are expected to pick up this yearBecause the entire market interest rate has rebounded this year, it is estimated that the loan interest rate will rebound and adjust, but the overall interest rate is still low; There won't be much change in fees, and the reduced fees will generally not be restored; By supporting financial restructuring, debt restructuring, and corporate restructuring, including debt-to-equity swaps, many other measures have been introduced, which will also reduce the burden on enterprises. We will continue to support the development of enterprises in various forms.Comprehensive assessment of small and medium-sized banks, severe punishment for poor performance of duties and withdrawal of funds from banks\"(Corporate governance supervision of small and medium-sized banks) We have been promoting in recent years,\" Guo Shuqing said. It is necessary to conduct an evaluation, and at the same time, it is necessary to conduct penetrating monitoring, supervision and identification of shareholders. Those who do not perform their duties well or even withdraw funds from banks in violation of regulations should be severely punished.Will the entry of foreign capital cause interference and destruction to the financial market? Guo Shuqing: Limited impactOn the whole, the operation of foreign-funded institutions in China is strictly in accordance with Chinese laws. Although we encourage foreign investment, due to their own risk control, in terms of market share, whether it is the proportion of total assets, loans and deposits, the absolute amount is increasing, but the proportion is decreasing. For example, the proportion of foreign banks is only 1% now, which has a very limited impact on China's financial market; The proportion of foreign capital in insurance companies is slightly higher, around 6%, but the impact is limited. \"We continue to encourage foreign financial institutions to enter China for common development,\" Guo Shuqing said.Fintech companies need to meet capital adequacy requirementsIf the financial business is carried out online, it is an Internet platform, whether they run a bank, a small loan company or a consumer finance company, my answer is very simple. Yes, we require them to have sufficient capital like other financial institutions. We require the Internet platform to have the same capital adequacy ratio as long as it does the same financial business. However, considering historical reasons, they have been given a transition period. Some projects are until the end of this year, others until the end of next year, and they can even be studied longer. But in two years at most, it will get back on track, and all institutions will be subject to capital constraints.\"Wealth Management Connect\" will have more new measures, and the planning is being studied and demonstratedIn the future development process, Hong Kong can provide support for mainland enterprises' listing financing and bond issuance financing. We support foreign debt, US dollar bond, foreign currency bond, RMB, Hong Kong dollar and other forms. We also support banking and insurance institutions to go public in Hong Kong and support more Hong Kong banking and insurance institutions to develop in the Mainland. I hope this situation can continue in the future.Recently, we have formulated the development plan of Greater Bay Area, in which the financial sector accounts for a large proportion, and there will be many new measures. Especially in terms of financial management, for example, \"Wealth Management Connect\" will have more new measures, which are being studied and demonstrated, and will be implemented gradually. We believe that Hong Kong's economic growth rate will definitely turn from negative to positive this year, and there will definitely be a good prospect.","collect":0,"html":"<!DOCTYPE html>\n<html>\n<head>\n<meta http-equiv=\"Content-Type\" content=\"text/html; charset=utf-8\" />\n<meta name=\"viewport\" content=\"width=device-width,initial-scale=1.0,minimum-scale=1.0,maximum-scale=1.0,user-scalable=no\"/>\n<meta name=\"format-detection\" content=\"telephone=no,email=no,address=no\" />\n<title>Involving real estate, anti-monopoly, foreign capital inflow! Understand the key points of Guo Shuqing's speech in one article</title>\n<style type=\"text/css\">\na,abbr,acronym,address,applet,article,aside,audio,b,big,blockquote,body,canvas,caption,center,cite,code,dd,del,details,dfn,div,dl,dt,\nem,embed,fieldset,figcaption,figure,footer,form,h1,h2,h3,h4,h5,h6,header,hgroup,html,i,iframe,img,ins,kbd,label,legend,li,mark,menu,nav,\nobject,ol,output,p,pre,q,ruby,s,samp,section,small,span,strike,strong,sub,summary,sup,table,tbody,td,tfoot,th,thead,time,tr,tt,u,ul,var,video{ font:inherit;margin:0;padding:0;vertical-align:baseline;border:0 }\nbody{ font-size:16px; line-height:1.5; color:#999; background:transparent; }\n.wrapper{ overflow:hidden;word-break:break-all;padding:10px; }\nh1,h2{ font-weight:normal; line-height:1.35; margin-bottom:.6em; }\nh3,h4,h5,h6{ line-height:1.35; margin-bottom:1em; }\nh1{ font-size:24px; }\nh2{ font-size:20px; }\nh3{ font-size:18px; }\nh4{ font-size:16px; }\nh5{ font-size:14px; }\nh6{ font-size:12px; }\np,ul,ol,blockquote,dl,table{ margin:1.2em 0; }\nul,ol{ margin-left:2em; }\nul{ list-style:disc; }\nol{ list-style:decimal; }\nli,li p{ margin:10px 0;}\nimg{ max-width:100%;display:block;margin:0 auto 1em; }\nblockquote{ color:#B5B2B1; border-left:3px solid #aaa; padding:1em; }\nstrong,b{font-weight:bold;}\nem,i{font-style:italic;}\ntable{ width:100%;border-collapse:collapse;border-spacing:1px;margin:1em 0;font-size:.9em; }\nth,td{ padding:5px;text-align:left;border:1px solid #aaa; }\nth{ font-weight:bold;background:#5d5d5d; }\n.symbol-link{font-weight:bold;}\n/* header{ border-bottom:1px solid #494756; } */\n.title{ margin:0 0 8px;line-height:1.3;color:#ddd; }\n.meta {color:#5e5c6d;font-size:13px;margin:0 0 .5em; }\na{text-decoration:none; color:#2a4b87;}\n.meta .head { display: inline-block; overflow: hidden}\n.head .h-thumb { width: 30px; height: 30px; margin: 0; padding: 0; border-radius: 50%; float: left;}\n.head .h-content { margin: 0; padding: 0 0 0 9px; float: left;}\n.head .h-name {font-size: 13px; color: #eee; margin: 0;}\n.head .h-time {font-size: 12.5px; color: #7E829C; margin: 0;}\n.small {font-size: 12.5px; display: inline-block; transform: scale(0.9); -webkit-transform: scale(0.9); transform-origin: left; -webkit-transform-origin: left;}\n.smaller {font-size: 12.5px; display: inline-block; transform: scale(0.8); -webkit-transform: scale(0.8); transform-origin: left; -webkit-transform-origin: left;}\n.bt-text {font-size: 12px;margin: 1.5em 0 0 0}\n.bt-text p {margin: 0}\n</style>\n</head>\n<body>\n<div class=\"wrapper\">\n<header>\n<h2 class=\"title\">\nInvolving real estate, anti-monopoly, foreign capital inflow! Understand the key points of Guo Shuqing's speech in one article\n</h2>\n<h4 class=\"meta\">\n<a class=\"head\" href=\"https://laohu8.com/wemedia/102\">\n\n<div class=\"h-thumb\" style=\"background-image:url(https://static.tigerbbs.com/8274c5b9d4c2852bfb1c4d6ce16c68ba);background-size:cover;\"></div>\n\n<div class=\"h-content\">\n老虎资讯综合 \n2021-03-02 11:08\n</div>\n</a>\n</h4>\n</header>\n<article>\nThe financial markets of developed countries in Europe and America run counter to the real economy, and they are worried that the bubble problem in foreign financial markets will burst one day. Now the Chinese market is highly connected with foreign markets, and foreign capital continues to flow in. On March 2, the Information Office of the State Council held a press conference, inviting Guo Shuqing, Secretary of the Party Committee of the People's Bank of China and Chairman of the China Banking and Insurance Regulatory Commission, to introduce the situation of promoting the high-quality development of the banking and insurance industries and answer reporters' questions.The main points are as follows:The core problem in the real estate field is that the bubble is relatively largeThe core problem in the real estate field is that the bubble is relatively large, and the tendency of financialization bubble is relatively strong. It is the biggest gray rhinoceros in the financial system. Many people buy houses not for living, but for investment and speculation, which is very dangerous. However, in 2020, the growth rate of real estate loans was lower than the growth rate of various loans for the first time in eight years. This achievement is hard-won, and I believe that the real estate problem can be gradually alleviated.Taking risk prevention as the eternal theme of the financial industry, strengthening anti-monopoly and preventing the disorderly expansion of capitalGuo Shuqing said that 2021 is the first year of the \"14th Five-Year Plan\". The China Banking and Insurance Regulatory Commission will regard risk prevention as the eternal theme of the financial industry, unswervingly monitor and resolve various financial risks, strengthen the financial rule of law, and improve long-term mechanisms. Maintain the market environment of published competition, strengthen anti-monopoly and prevent the disorderly expansion of capital, and ensure that financial innovation is carried out under prudent premise.Decisive achievements have been made in the battle against and resolving financial risksAt present, decisive achievements have been made in the battle to prevent and resolve financial risks. The financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversed. From 2017 to 2020, the average annual growth rates of total assets in the banking and insurance industries were 8.3% and 11.4% respectively, which are roughly only half of the average annual growth rate from 2009 to 2016. The proportion of idling interbank assets within the financial system has dropped significantly.The financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversedThe financial leverage ratio has dropped significantly, and the blind expansion of financial assets has been fundamentally reversed. From 2017 to 2020, the average annual growth rates of total assets of the banking and insurance companies were 8.3% and 11.4% respectively, roughly only half of the average annual growth rate from 2009 to 2016. The proportion of idling interbank assets within the financial system has dropped significantly.The financial markets of developed countries in Europe and America run counter to the real economy seriouslySince the outbreak of the epidemic, all countries have adopted proactive fiscal policies and extremely loose monetary policies, which is understandable. Now some side effects are beginning to appear. For example, the financial markets of developed countries in Europe and America are seriously contrary to the real economy, and I am worried that this situation will be forced to adjust sooner or later. \"I am very worried that the bubble problem in foreign financial markets will burst one day. Now the Chinese market is highly connected with foreign markets, and foreign capital continues to flow in. However, at present, the scale and speed of foreign capital inflows are still under control.In 2020, 3,178 illegal banking and insurance institutions were punished, with fines and confiscations amounting to 2.28 billion yuanIn 2020, a total of 164 people were disciplined by the CBIRC system. Accelerate the filling of system shortcomings, and complete the construction of 61 regulatory rules and regulations in 2020. We will deal with chaos with heavy punches and maintain a high-pressure situation of accountability for cases. In 2020, 3,178 illegal banking and insurance institutions will be punished, 4,554 responsible persons will be punished, and the total amount of fines and confiscations will be 2.28 billion yuan. Promote the diversified resolution of financial disputes, and retire and pay consumers 17.7 billion yuan.Shadow banking has been dismantled in an orderly manner, and the scale has dropped by 20 trillion yuan from its peakFrom 2017 to 2020, a total of 8.8 trillion yuan of non-performing loans were disposed of, exceeding the sum of the previous 12 years. Shadow banking has been dismantled in an orderly manner, and its scale has dropped by 20 trillion yuan compared with its peak.The cumulative disposal of non-performing loans since 2017 exceeds the total of the previous 12 years of 8.8 trillion yuanIn recent years, the identification and disposal of non-performing assets in the banking industry has made great strides. In 2017 and 2020, a total of 8.8 trillion yuan of non-performing loans were disposed of, exceeding the sum of the previous 12 years. The momentum of real estate financialization bubble has been curbed. In 2020, the growth rate of real estate loans will be lower than the growth rate of various loans for the first time in eight years.The total investment in information technology funds of banking institutions in 2020 reached 207.8 billion yuanIn 2020, the total investment of information technology funds by banking institutions and insurance institutions was 207.8 billion yuan and 35.1 billion yuan respectively, a year-on-year increase of 20% and 27%. According to the reports of relevant international organizations, China's inclusive financial services have reached the world's advanced level, and electronic payment, digital credit and online insurance are in the world's leading positions.The operating efficiency of four large commercial banks has approached the international advanced levelThe corporate governance of banking and insurance institutions with Chinese characteristics has been gradually improved. At present, China's commercial banking system is constantly optimized and the market competition is sufficient. The operating efficiency of the four large commercial banks is close to the international advanced level, and they have achieved catch-up in terms of labor productivity, cost-income ratio, profitability and technological innovation. The capital adequacy level of large insurance companies is also comparable to that of their counterparts in the United States, Europe and Japan.Last year, the banking industry disposed of more than 3 trillion non-performing loans throughout the year. The scale of non-performing loan disposal may increase this year and nextAfter the outbreak of the epidemic, the production activities of some enterprises are in an abnormal state, and repayment faces some difficulties, so the increase of non-performing loans is an inevitable trend. In 2020, the banking industry has begun to increase efforts to dispose of non-performing loans. The disposal of non-performing loans throughout the year exceeded 3 trillion yuan, an increase of 700 to 800 billion yuan over the previous year. The scale of non-performing loans that may need to be disposed of will increase in 2021, and this trend will even continue into next year. However, we have the confidence and ability to properly dispose of non-performing assets. First, we must intensify our efforts; second, we must strive for progress while maintaining stability and maintain the affordability of banks and the economic system.New manufacturing loans in 2020 will be 2.2 trillion yuan, exceeding the sum of the previous five yearsIn 2020, new manufacturing loans were 2.2 trillion yuan, exceeding the sum of the previous five years; New private enterprise loans were 5.7 trillion yuan, an increase of 1.5 trillion yuan over the previous year; Health insurance compensation expenditure was 292.1 billion yuan, a year-on-year increase of 24.2%, and a long-term health insurance risk reserve of 1.57 trillion yuan was accumulated.Encourage the development of Internet banking, but it must implement unified management according to the laws and rules of financeRegardless of any format of financial business, it must be managed in accordance with corresponding rules and regulations, laws and regulations, without any exceptions. Internet banks, such as online merchant banks and Weizhong banks, are encouraged to develop, but they must be managed in a unified way according to the laws and rules of finance. \"We don't think there are financial businesses that restrict them and are not suitable for their development.\" Guo Shuqing said, but any financial business should be regulated according to the same rules in the industry. It is believed that relevant institutions can achieve healthier development after adjusting according to the corresponding requirements.Loan rates are expected to pick up this yearBecause the entire market interest rate has rebounded this year, it is estimated that the loan interest rate will rebound and adjust, but the overall interest rate is still low; There won't be much change in fees, and the reduced fees will generally not be restored; By supporting financial restructuring, debt restructuring, and corporate restructuring, including debt-to-equity swaps, many other measures have been introduced, which will also reduce the burden on enterprises. We will continue to support the development of enterprises in various forms.Comprehensive assessment of small and medium-sized banks, severe punishment for poor performance of duties and withdrawal of funds from banks\"(Corporate governance supervision of small and medium-sized banks) We have been promoting in recent years,\" Guo Shuqing said. It is necessary to conduct an evaluation, and at the same time, it is necessary to conduct penetrating monitoring, supervision and identification of shareholders. Those who do not perform their duties well or even withdraw funds from banks in violation of regulations should be severely punished.Will the entry of foreign capital cause interference and destruction to the financial market? Guo Shuqing: Limited impactOn the whole, the operation of foreign-funded institutions in China is strictly in accordance with Chinese laws. Although we encourage foreign investment, due to their own risk control, in terms of market share, whether it is the proportion of total assets, loans and deposits, the absolute amount is increasing, but the proportion is decreasing. For example, the proportion of foreign banks is only 1% now, which has a very limited impact on China's financial market; The proportion of foreign capital in insurance companies is slightly higher, around 6%, but the impact is limited. \"We continue to encourage foreign financial institutions to enter China for common development,\" Guo Shuqing said.Fintech companies need to meet capital adequacy requirementsIf the financial business is carried out online, it is an Internet platform, whether they run a bank, a small loan company or a consumer finance company, my answer is very simple. Yes, we require them to have sufficient capital like other financial institutions. We require the Internet platform to have the same capital adequacy ratio as long as it does the same financial business. However, considering historical reasons, they have been given a transition period. Some projects are until the end of this year, others until the end of next year, and they can even be studied longer. But in two years at most, it will get back on track, and all institutions will be subject to capital constraints.\"Wealth Management Connect\" will have more new measures, and the planning is being studied and demonstratedIn the future development process, Hong Kong can provide support for mainland enterprises' listing financing and bond issuance financing. We support foreign debt, US dollar bond, foreign currency bond, RMB, Hong Kong dollar and other forms. We also support banking and insurance institutions to go public in Hong Kong and support more Hong Kong banking and insurance institutions to develop in the Mainland. I hope this situation can continue in the future.Recently, we have formulated the development plan of Greater Bay Area, in which the financial sector accounts for a large proportion, and there will be many new measures. Especially in terms of financial management, for example, \"Wealth Management Connect\" will have more new measures, which are being studied and demonstrated, and will be implemented gradually. We believe that Hong Kong's economic growth rate will definitely turn from negative to positive this year, and there will definitely be a good prospect.\n</article>\n</div>\n</body>\n</html>\n","type":0,"thumbnail":"https://static.tigerbbs.com/ca12846bf7d424dbceae42512d714062","relate_stocks":{"399001":"深证成指","399006":"创业板指","000001.SH":"上证指数"},"is_english":false,"share_image_url":"https://static.laohu8.com/e9f99090a1c2ed51c021029395664489","article_id":"1149461614","content_text":"欧美发达国家的金融市场和实体经济严重背道而驰，很担心国外金融市场的泡沫问题哪一天会破灭，现在中国市场与外国市场高度相连，外国资本持续流入。3月2日， 国务院新闻办公室举行新闻发布会，请人民银行党委书记、中国银保监会主席郭树清介绍推动银行业保险业高质量发展有关情况并答记者问。要点如下：房地产领域的核心问题还是泡沫比较大房地产领域的核心问题还是泡沫比较大，金融化泡沫化倾向比较强，是金融体系最大灰犀牛，很多人买房不是为了居住，而是为了投资投机，这是很危险的。但2020年房地产贷款增速8年来首次低于各项贷款增速，这个成绩来之不易，相信房地产问题可以逐步缓解。把防范风险作为金融业的永恒主题 强化反垄断和防止资本无序扩张郭树清表示，2021年是“十四五”开局之年，银保监会将把防范风险作为金融业的永恒主题，毫不松懈地监控和化解各类金融风险，强化金融法治，完善长效机制。维护公布竞争的市场环境，强化反垄断和防止资本无序扩张，确保金融创新在审慎前提下进行。防范化解金融风险攻坚战取得决定性成就当前防范化解金融风险攻坚战取得决定性成就。金融杠杆率明显下降，金融资产盲目扩张得到根本扭转，2017年至2020年，银行业和保险业总资产年均增速分别为8.3%和11.4%，大体只有2009年至2016年间年均增速的一半。金融体系内部空转的同业资产占比大幅度下降。金融杠杆率明显下降，金融资产盲目扩张得到根本扭转金融杠杆率明显下降，金融资产盲目扩张得到根本扭转。2017-2020年，银行业和保险业总资产年均增速分别为8.3%和11.4%，大体只有2009-2016年间年均增速的一半。金融体系内部空转的同业资产占比大幅度下降。欧美发达国家金融市场与实体经济严重背道而驰疫情发生以来，各国都采取了积极财政政策和极度宽松的货币政策，这都可以理解。现在看一些副作用开始显现，比如，欧美发达国家的金融市场和实体经济严重背道而驰，担心这一情况迟早会被迫调整。“很担心国外金融市场的泡沫问题哪一天会破灭，现在中国市场与外国市场高度相连，外国资本持续流入。不过，目前来看，外国资本流入的规模和速度还在可控范围内。2020年处罚违法违规银行保险机构3178家次 罚没金额22.8亿元2020年银保监系统共纪律处分164人。加快补齐制度短板，2020年完成61项监管规章制度建设。重拳治理乱象，保持案件出发问责高压态势，2020年处罚违法违规银行保险机构3178家次，处罚责任人员4554人次，罚没金额合计22.8亿元。推动金融纠纷多元化解，清退、赔付消费者177亿元。影子银行得到有序拆解 规模较峰值压降20万亿元2017年至2020年，累计处置不良贷款8.8万亿元，超过之前12年总和。影子银行得到有序拆解，规模较峰值压降20万亿元。2017年以来累积处置不良贷款8.8万亿 超之前12年总和近年来银行业不良资产认定和处置大步推进，2017年和2020年累计处置不良贷款8.8万亿元，超过之前12年总和。房地产金融化泡沫化势头得到遏制，2020年房地产贷款增速8年来首次低于各项贷款增速。2020年银行机构信息科技资金总投入达2078亿元2020年，银行机构和保险机构信息科技资金总投入分别为2078亿元和351亿元，同比增长20％和27%。根据有关国际组织报告，中国普惠金融服务达到世界先进水平，电子支付、数字信贷、线上保险居于全球领先地位。四家大型商业银行经营效率已接近国际先进水平中国特色银行保险机构公司治理逐步完善。目前，我国商业银行体系不断优化，市场竞争充分，四家大型商业银行经营效率已接近国际先进水平，在劳动生产率、成本收入比、盈利能力、科技创新等方面实现赶超。大型保险公司资本充足水平也与美国、欧洲、日本同业相当。去年银行业全年处置不良贷款超3万亿 今明两年不良贷款处置规模或还加大疫情发生后一些企业生产活动处于不正常状态，还款面临一些困难，所以不良贷款上升是必然趋势。2020年银行业已经开始加大不良贷款处置力度，全年处置不良贷款超3万亿，比上一年增加七八千亿。2021年可能需要处置的不良贷款规模还会增长，这一趋势甚至会延续到明年。但有信心有能力把不良资产处置处理好，一是要加大力度，二是要稳中求进，保持银行和经济体系的承受能力。2020年新增制造业贷款2.2万亿元 超过前5年总和2020年全年新增制造业贷款2.2万亿元，超过前5年总和；新增民营企业贷款5.7万亿元，比上年多增1.5万亿元；健康保险赔付支出2921亿元，同比增长24.2%，累积了1.57万亿元长期健康保障风险准备金。鼓励互联网银行发展 但必须按照金融的规律和规则实行统一管理不管任何业态的金融业务，都要按照相应规则规范和法律法规来管理，不能有任何例外。对于互联网银行比如网商银行、微众银行等，都鼓励其发展，但必须按照金融的规律和规则实行统一管理。“我们不认为有限制它们、不适合它们发展的金融业务。”郭树清表示，但做任何金融业务都要按照行业相同的规则进行监管。相信相关机构按照对应的要求调整后，能得到更健康的发展。预计今年贷款利率会有所回升因为今年整个市场利率回升，估计贷款利率会有回升和调整，但总体利率还是较低；收费方面不会有太大变化，降低的费用一般不会恢复；通过支持财务重组、债务重组、企业重组，包括债转股，还有很多举措出台，这也会降低企业负担。将以多种形式继续支持企业发展。对中小银行全面评估，对履职不太好、从银行套取资金的严厉惩处“（中小银行公司治理监管）我们这几年一直都在推进，”郭树清称，要进行评估，同时还要对股东进行穿透式监控、监管、识别，对一些履职不太好，甚至从银行违规套取资金的，要进行严厉的惩处。外资进入会不会对金融市场造成干扰和破坏？郭树清：影响有限外资机构在中国的经营总体上还是严格按照中国的法律来办事的。虽然我们鼓励外资，但由于他们自身风险控制的原因，在市场份额上，无论是总资产还是贷款、存款比重，绝对额是上升，但是比重是下降的。比如，外资银行的比例现在只有1%，对中国金融市场影响非常有限；保险公司外资占比稍高，在6%左右，但影响有限。“我们继续鼓励外资金融机构进入中国来共同发展。”郭树清说。金融科技公司需满足资本充足率要求如果金融业务是在网上开展，是互联网平台，他们办的银行也好，办的小贷公司也好，或者是消费金融公司也好，我的回答是很简单的，是的，我们要求他们必须和其他的金融机构一样，要有充足的资本。我们要求互联网平台只要做同样的金融业务，就要有同样的资本充足率。但是考虑历史的原因，给了他们一个过渡期，有的项目是到今年年底，有的是到明年年底，甚至可以研究再长一些。但是最多两年，都回到正轨上来，所有机构都要受资本约束的要求。“理财通”会有更多新举措，正在研究论证规划在今后的发展过程当中，香港可以为内地企业上市融资、发债融资提供支持，无论是外债、美元债、外币债种，还是人民币、港币等各种形式，我们都支持，我们也支持银行业、保险业机构到香港去上市，支持更多的香港银行业、保险业机构到内地发展。希望以后能够继续保持这个态势。最近，我们制定了大湾区发展规划，其中金融领域占了很大的比重，也会有很多的新举措。特别是在理财方面，比如“理财通”会有更多新举措，正在研究论证规划，都会逐步实施。我们认为，香港的经济增速今年一定会由负转正，一定会有一个很好的前景。","news_type":1,"symbols_score_info":{"399001":0.9,"399006":0.9,"000001.SH":0.9}},"isVote":1,"tweetType":1,"viewCount":1303,"commentLimit":10,"likeStatus":false,"favoriteStatus":false,"reportStatus":false,"symbols":[],"verified":2,"subType":0,"readableState":1,"langContent":"EN","currentLanguage":"EN","warmUpFlag":false,"orderFlag":false,"shareable":true,"causeOfNotShareable":"","featuresForAnalytics":[],"commentAndTweetFlag":false,"andRepostAutoSelectedFlag":false,"upFlag":false,"length":4,"xxTargetLangEnum":"ORIG"},"commentList":[],"hasMoreComment":false,"orderType":2}