To Alleviate The Thirst Of The Real Economy Needs The "Fountainhead" Of Reform.

Two directional reduction, lending interest rate liberalization, the establishment of private banks, increased deposit deviation assessment......

In order to alleviate the financing difficulties of enterprises, a series of financial reform measures have been launched in recent years, and the financial system has moved towards a more market-oriented direction, and the ability to support the real economy has been continuously enhanced.

"At present, China is in a critical period of economic structural pformation, and some enterprises are facing difficulties in their operation. Financial support is very important.

It is not only the social responsibility of the financial industry, but also a reliable guarantee for the sustainable development of the financial industry to put money on the knife edge and invest in the capital to guide the enterprises to focus on entity management and prevent and mitigate potential risks.

Guo Tianyong, director of China banking research center, Central University of Finance and Economics, said.

Data show that as of the end of the two quarter, the balance of loans related to agricultural loans by banking financial institutions was 22 trillion and 500 billion yuan, an increase of 16.6% over the same period last year. The loan balance for small and micro enterprises was 19 trillion and 100 billion yuan, an increase of 16.9% over the same period last year. Loans for credit card consumption and affordable housing projects increased by 37.4% and 44.2% respectively over the same period, and all kinds of loan growth rates were all higher than the average growth rate of loans over the same period.

To better take root in the real economy, we need to reform the internal structure of our banking industry and increase the number of small and medium-sized banks serving small and Micro customers.

For a long time, China's banking industry is dominated by large and medium-sized banks. The profitability of large banks makes them naturally willing to serve large customers, and it is difficult to meet the requirements of small and micro enterprises.

At the end of September, the CBRC approved the establishment of two private banks of Zhejiang Internet Merchants Bank and Shanghai Huarui bank.

In addition, more than two months ago, the Qianhai micro public bank, Tianjin Jincheng bank and Wenzhou civil and commercial bank were authorized to build the 5 private banks.

According to the insiders, the preparation of private banks such as Internet commercial banks will bring new support to the financing of small and micro enterprises while introducing new products, introducing new models and intensifying market competition.

To promote the development of the real economy by finance, we need to change the situation that our economy is overly dependent on indirect financing.

The total assets of China's banking industry are more than 160 trillion yuan, accounting for more than 90% of all China's financial assets, and economic development is highly dependent on bank credit.

Serious shortage of direct financing has become an important reason for restricting SME financing.

In the process of financial development, banks are only one channel, and we must establish a mature and multi-level capital market on the basis of stock, bond market and overseas channels.

Mature, developed and multi-level capital markets enable market mechanisms to best play the role of effective allocation of resources, so that capital flows directly to high-quality enterprises.

Daniel Mark Zelma, deputy director of the Financial Regulatory Commission, said that from within Canada, commercial banks, cooperative banks, insurance and other financial institutions can jointly provide financing for enterprises, which will make the source of corporate funds more diverse.

with

To promote the real economy, regulators need to balance the risk control and support the contradiction between the real economy.

At present, China's economy is undergoing periodical adjustment, and the increase of non-performing loans has become a test for the banking sector.

Data show that in the first half of 2014, the balance of non-performing loans of China's banking financial institutions was 694 billion 400 million yuan, an increase of 102 billion 300 million yuan compared with the end of last year, and the bad rate was 1.08%, an increase of 0.08 percentage points from the beginning of the year.

from

In view of the first half of the year, the increase in non-performing loans mainly came from steel trade and small and micro enterprises.

Small and micro enterprises are the vitality and potential of China's economic development.

"How to balance risk control and supporting the real economy is always a difficult point of supervision."

Yang Zaiping, vice president of the China Banking Association, said that although the bad loan ratio of China's banks is still in the controllable range, it can not be taken lightly.

On the one hand, we should dissolve the stock, and control the increment on the other hand. We should support the real economy to discriminate, choose effective corporate credit demand, and enable the financial support to play the role of the real economy.