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央行部署2020年工作任务切实推动改进小微企业融资
2020-01-07 23:39  www.sghunter.com

  本报北京1月5日电(记者王观)2020年中国人民银行工作会议近日在北京召开。会议认为,2019年,货币政策针对性实效性进一步提升,防范化解重大金融风险攻坚战取得关键进展,金融支持实体经济力度不断加大,金融改革开放不断深化,金融服务和管理水平不断提升。

Beijing, January 5(Reporter Wang Guan) The 2020 People's Bank of China work conference was recently held in Beijing. The meeting held that in 2019, the targeted effectiveness of monetary policy was further enhanced, and key progress was made in the battle to prevent and defuse major financial risks.

  关于2020年工作,会议要求,一是保持稳健的货币政策灵活适度。加强逆周期调节,保持流动性合理充裕,促进货币信贷、社会融资规模增长同经济发展相适应。继续深化利率市场化改革,完善贷款市场报价利率传导机制。继续推动银行通过发行永续债等途径多渠道补充资本。坚持发挥市场在汇率形成中的决定性作用,保持人民币汇率在合理均衡水平上基本稳定。

Regarding work in 2020, the meeting called for a robust monetary policy to be flexible and moderate. We will strengthen counter-cyclical regulation, maintain reasonable liquidity, and promote the growth of monetary credit and social financing in line with economic development. We will continue to deepen the reform of marketization of interest rates and improve the transmission mechanism of interest rates on loan market quotations. We will continue to push banks to replenish their capital through issuing sustainable debt and other channels. We must give full play to the decisive role of the market in the formation of the exchange rate and maintain the basic stability of the RMB exchange rate at a reasonable equilibrium level.

  二是坚决打赢防范化解重大金融风险攻坚战。厘清各方职责边界,压实各方责任,压实金融机构的主体责任、地方政府属地风险处置责任、金融监管部门监管责任和人民银行最后贷款人责任,坚决防范道德风险。建立健全金融机构恢复处置机制、损失分担机制和激励约束机制。突出重点,继续依法依规做好重点金融机构风险处置工作。持续开展互联网金融风险专项整治,基本化解互联网金融存量风险,建立健全监管长效机制。加快建立房地产金融长效管理机制。进一步发挥存款保险机构在风险处置中的作用。加快建立金融委办公室地方协调机制。

Second, we must resolutely win the battle to prevent and defuse major financial risks. To clarify the boundaries of the responsibilities of each party, compacting the responsibilities of each party, compacting the main responsibility of financial institutions, local government territorial risk disposal responsibility, financial supervision department supervision responsibility and the people's bank lender of last resort responsibility, resolutely guard against moral hazard. Establish and improve the financial institutions to restore the disposal mechanism, loss sharing mechanism and incentive and restraint mechanism. Highlight the key points and continue to do a good job in handling the risks of key financial institutions in accordance with the rules and regulations. Continue to carry out special rectification of Internet financial risks, basically resolve the risk of Internet financial stock, establish and improve the long-term mechanism of supervision. Speed up the establishment of a long-term management mechanism for real estate finance. Further play the role of deposit insurance institutions in risk disposal. Speed up the establishment of local coordination mechanisms in the offices of the Finance Committee.

  三是以缓解小微企业融资难融资贵问题为重点,加大金融支持供给侧结构性改革力度。健全小微企业贷款考核激励机制,落实授信尽职免责制度,营造敢贷愿贷能贷的政策环境。推动发挥多部门合力,用好定向降准、再贷款再贴现、宏观审慎评估和征信管理等政策工具,切实推动改进小微企业融资。加大对重点领域和薄弱环节的信贷支持。聚焦深度贫困地区,健全金融支持产业带动脱贫机制,助力打赢精准脱贫攻坚战。

Third, to alleviate the financing of small and micro enterprises difficult to finance expensive problem as the focus, strengthen financial support supply-side structural reform. We will improve the incentive mechanism for small and micro-enterprise loan assessment, implement the credit duty exemption system, and create a policy environment in which credit can be loaned. We will make use of policy tools such as targeted reduction, rediscount of re-loans, macro-prudential assessment and credit information management to effectively promote the improvement of financing for small and micro enterprises. Increase credit support for key areas and weak links. Focus on poverty-stricken areas, improve the financial support industry-led poverty relief mechanism to help win the accurate fight against poverty.

  四是加快完善宏观审慎管理框架。五是继续深化金融改革开放。六是加强金融科技研发和应用。七是全面提高金融服务与金融管理水平。

Fourth, we should speed up the improvement of the macro-prudential management framework. Fifth, continue to deepen financial reform and opening up. Sixth, strengthen the research and application of financial science and technology. Seventh, improve the level of financial services and financial management in an all-round way.