銀保監(jian)會近日召開專題會議,加強對(dui)受疫情嚴重(zhong)沖擊(ji)的行業、中小微企業和個體(ti)工商(shang)戶(hu)的融資支持(chi)。
銀(yin)保(bao)(bao)監會表示,要抓緊落實(shi)已確定的(de)(de)(de)各項(xiang)(xiang)金(jin)(jin)(jin)(jin)融(rong)政(zheng)(zheng)策(ce),科學運(yun)用信(xin)貸(dai)(dai)、債券、股(gu)權、保(bao)(bao)險等(deng)各類(lei)金(jin)(jin)(jin)(jin)融(rong)資(zi)(zi)(zi)源,增加(jia)和改善金(jin)(jin)(jin)(jin)融(rong)供給。鼓勵撥(bo)備水平(ping)較高的(de)(de)(de)大型銀(yin)行(xing)及其他優質上(shang)市(shi)(shi)銀(yin)行(xing)有序降低撥(bo)備覆蓋(gai)率,釋放更多信(xin)貸(dai)(dai)資(zi)(zi)(zi)源。加(jia)強(qiang)“新市(shi)(shi)民(min)”金(jin)(jin)(jin)(jin)融(rong)服務(wu),支持(chi)“新市(shi)(shi)民(min)”在城(cheng)鎮創業就業、購房(fang)安居、教育培訓、醫療養老等(deng)方(fang)面的(de)(de)(de)金(jin)(jin)(jin)(jin)融(rong)需(xu)求。支持(chi)發揮有效投資(zi)(zi)(zi)的(de)(de)(de)關(guan)鍵作用,做好(hao)“十(shi)四五”規劃重(zhong)點領域和重(zhong)大項(xiang)(xiang)目(mu)融(rong)資(zi)(zi)(zi)保(bao)(bao)障,支持(chi)適度超前(qian)開展基(ji)礎(chu)設施投資(zi)(zi)(zi)。引導金(jin)(jin)(jin)(jin)融(rong)機構(gou)準(zhun)確把握信(xin)貸(dai)(dai)政(zheng)(zheng)策(ce),加(jia)強(qiang)對(dui)(dui)受疫(yi)情嚴重(zhong)沖(chong)擊的(de)(de)(de)行(xing)業、中小(xiao)微企業和個(ge)體工商戶的(de)(de)(de)融(rong)資(zi)(zi)(zi)支持(chi),提升融(rong)資(zi)(zi)(zi)便利度、降低綜合融(rong)資(zi)(zi)(zi)成本。全力支持(chi)貨運(yun)物流保(bao)(bao)通(tong)保(bao)(bao)暢工作,對(dui)(dui)承擔疫(yi)情防控和應(ying)(ying)急運(yun)輸任務(wu)較重(zhong)的(de)(de)(de)運(yun)輸物流企業開辟(pi)綠色通(tong)道。扎實(shi)做好(hao)金(jin)(jin)(jin)(jin)融(rong)支持(chi)能源資(zi)(zi)(zi)源保(bao)(bao)供穩價,助(zhu)力穩定產業鏈供應(ying)(ying)鏈、抗疫(yi)保(bao)(bao)供企業、關(guan)鍵基(ji)礎(chu)設施正常運(yun)轉。
銀保(bao)(bao)(bao)(bao)監會提出,要督促銀行(xing)保(bao)(bao)(bao)(bao)險(xian)(xian)機構堅持(chi)“房(fang)子是用(yong)(yong)來住的(de)、不(bu)是用(yong)(yong)來炒的(de)”定位,因城施(shi)策落實好(hao)(hao)(hao)差(cha)別化住房(fang)信貸(dai)政策,支(zhi)持(chi)首套和(he)(he)改(gai)善性(xing)住房(fang)需求,靈活調(diao)整受(shou)疫情影響人群個人住房(fang)貸(dai)款還款計劃(hua)。要區分(fen)項目(mu)(mu)風險(xian)(xian)與企(qi)業(ye)(ye)集團風險(xian)(xian),不(bu)盲目(mu)(mu)抽貸(dai)、斷貸(dai)、壓(ya)貸(dai),保(bao)(bao)(bao)(bao)持(chi)房(fang)地(di)產(chan)融資(zi)(zi)(zi)平穩(wen)有序。要按照市(shi)場化、法治(zhi)化原則,做好(hao)(hao)(hao)重點(dian)房(fang)地(di)產(chan)企(qi)業(ye)(ye)風險(xian)(xian)處置項目(mu)(mu)并購的(de)金(jin)(jin)融服務。要充分(fen)發揮保(bao)(bao)(bao)(bao)險(xian)(xian)資(zi)(zi)(zi)金(jin)(jin)長期(qi)(qi)投資(zi)(zi)(zi)優勢,有針對性(xing)地(di)解(jie)決好(hao)(hao)(hao)“長錢短(duan)配”問(wen)題,同(tong)時(shi)進一步(bu)壓(ya)縮非標資(zi)(zi)(zi)產(chan)比(bi)例。建立(li)健全保(bao)(bao)(bao)(bao)險(xian)(xian)資(zi)(zi)(zi)金(jin)(jin)長周期(qi)(qi)考核機制,豐富保(bao)(bao)(bao)(bao)險(xian)(xian)資(zi)(zi)(zi)金(jin)(jin)參與資(zi)(zi)(zi)本市(shi)場投資(zi)(zi)(zi)的(de)渠道,鼓(gu)勵保(bao)(bao)(bao)(bao)險(xian)(xian)資(zi)(zi)(zi)管公司(si)加大(da)組合(he)類保(bao)(bao)(bao)(bao)險(xian)(xian)資(zi)(zi)(zi)管產(chan)品發行(xing)力度,引導保(bao)(bao)(bao)(bao)險(xian)(xian)機構將更(geng)多資(zi)(zi)(zi)金(jin)(jin)配置于(yu)權(quan)益(yi)類資(zi)(zi)(zi)產(chan)。要完成(cheng)大(da)型平臺企(qi)業(ye)(ye)專(zhuan)項整改(gai)工(gong)作(zuo)(zuo),紅燈、綠(lv)燈都(dou)要設置好(hao)(hao)(hao),實施(shi)常態化監管,支(zhi)持(chi)平臺經濟規范健康發展。要抓緊研(yan)究完善相關法規和(he)(he)機制安排,進一步(bu)充實金(jin)(jin)融穩(wen)定保(bao)(bao)(bao)(bao)障基(ji)金(jin)(jin),發揮保(bao)(bao)(bao)(bao)險(xian)(xian)保(bao)(bao)(bao)(bao)障基(ji)金(jin)(jin)和(he)(he)信托業(ye)(ye)保(bao)(bao)(bao)(bao)障基(ji)金(jin)(jin)在風險(xian)(xian)處置中的(de)積極(ji)作(zuo)(zuo)用(yong)(yong),筑牢織(zhi)密金(jin)(jin)融安全網(wang)。
銀保(bao)監(jian)會還(huan)要(yao)求,要(yao)推(tui)動(dong)(dong)銀行(xing)業(ye)保(bao)險(xian)(xian)業(ye)提高服(fu)務新發(fa)展(zhan)格(ge)局(ju)的(de)能(neng)(neng)力(li),堅定不移深化金融(rong)(rong)供給(gei)側結構性(xing)改(gai)(gai)革,用(yong)改(gai)(gai)革的(de)辦法解(jie)決(jue)發(fa)展(zhan)中的(de)問題(ti)。要(yao)加快推(tui)進金融(rong)(rong)支持(chi)創新體系建設(she),支持(chi)高水平科(ke)技自立自強(qiang),推(tui)動(dong)(dong)建設(she)強(qiang)大(da)而有(you)韌性(xing)的(de)國民(min)經(jing)濟循環體系。推(tui)進科(ke)技信貸(dai)服(fu)務能(neng)(neng)力(li)建設(she),強(qiang)化開(kai)發(fa)性(xing)、政策性(xing)金融(rong)(rong)機構服(fu)務科(ke)技創新作(zuo)用(yong),增(zeng)強(qiang)銀行(xing)保(bao)險(xian)(xian)機構為(wei)承擔國家(jia)重大(da)科(ke)技創新任務企業(ye)服(fu)務能(neng)(neng)力(li)。改(gai)(gai)善進出口(kou)貿易金融(rong)(rong)服(fu)務,鞏固(gu)提升信用(yong)保(bao)險(xian)(xian)增(zeng)信保(bao)障作(zuo)用(yong),擴(kuo)大(da)承保(bao)覆蓋面(mian)和(he)規模(mo),支持(chi)外貿平穩(wen)發(fa)展(zhan)。持(chi)續推(tui)動(dong)(dong)銀行(xing)業(ye)保(bao)險(xian)(xian)業(ye)高水平對外開(kai)放(fang)措施落(luo)地,積極引(yin)入資質(zhi)優良、具備專(zhuan)業(ye)特色(se)的(de)外資金融(rong)(rong)機構。要(yao)全(quan)面(mian)加強(qiang)黨對人才工(gong)作(zuo)的(de)領導(dao),牢固(gu)確立人才引(yin)領發(fa)展(zhan)的(de)戰略地位,著力(li)打(da)造忠誠干凈擔當的(de)金融(rong)(rong)監(jian)管鐵軍(jun)。
(總臺央視(shi)記(ji)者 王雷(lei))