行(xing)業動態(tai)hyjj
國務院關于金融工作情況的報告
——2022年10月28日在十三屆全國人民代表大會常務委員會第三十七次會議上
中國人民銀行行長 易綱
全國人(ren)民代表大會(hui)(hui)常務委員會(hui)(hui)：
按(an)照全國人大(da)常委會(hui)有關(guan)工作(zuo)安排，受國務院委托(tuo)，現(xian)就(jiu)金(jin)融工作(zuo)情(qing)況報(bao)告如下，請(qing)審議。
黨(dang)的(de)十(shi)八大(da)以(yi)來，以(yi)習近平(ping)同志為核心的(de)黨(dang)中(zhong)央高度重視(shi)金(jin)(jin)融(rong)工(gong)作。習近平(ping)經濟思想特別是習近平(ping)總(zong)書記關于金(jin)(jin)融(rong)工(gong)作的(de)系列重要論述(shu)和(he)指示批(pi)示精神(shen)，為做(zuo)好新時代(dai)金(jin)(jin)融(rong)工(gong)作提供(gong)了根本遵(zun)循。李克強總(zong)理對做(zuo)好金(jin)(jin)融(rong)工(gong)作作出(chu)具體部署。黨(dang)中(zhong)央、國(guo)務(wu)(wu)院其他領(ling)導(dao)同志也多次作出(chu)指示批(pi)示。全(quan)國(guo)人大(da)常(chang)委會(hui)給予(yu)有力的(de)監督(du)和(he)指導(dao)。國(guo)務(wu)(wu)院金(jin)(jin)融(rong)穩定發展(zhan)委員會(hui)統籌協調(diao)、靠前指揮(hui)，各相關部門(men)、各地方政府大(da)力配合。
在以習近平同(tong)志為核心的黨中(zhong)央堅(jian)強領導下，金(jin)(jin)(jin)(jin)融改革發展穩定各(ge)項(xiang)工作穩步(bu)推(tui)進，助力(li)經(jing)濟(ji)社會(hui)發展取(qu)(qu)得(de)歷史(shi)性(xing)成(cheng)(cheng)就。實(shi)(shi)(shi)施穩健的貨(huo)(huo)(huo)幣政(zheng)策，管(guan)住貨(huo)(huo)(huo)幣總閘門，守護(hu)好老百姓的錢袋(dai)子，社會(hui)融資(zi)規模增(zeng)長與經(jing)濟(ji)增(zeng)長總體(ti)匹配，利率(lv)和匯(hui)率(lv)市場化(hua)改革穩步(bu)推(tui)進，人(ren)民(min)幣匯(hui)率(lv)形成(cheng)(cheng)機(ji)制(zhi)進一(yi)步(bu)完(wan)善，有力(li)促進穩增(zeng)長、穩物價(jia)、穩就業(ye)和國(guo)際收支(zhi)平衡(heng)。金(jin)(jin)(jin)(jin)融業(ye)綜合實(shi)(shi)(shi)力(li)大(da)(da)幅提升(sheng)(sheng)，金(jin)(jin)(jin)(jin)融業(ye)總資(zi)產(chan)(chan)超(chao)(chao)過400萬(wan)億元，5家(jia)銀行(xing)、保險(xian)(xian)機(ji)構(gou)成(cheng)(cheng)為全球系(xi)統重要性(xing)金(jin)(jin)(jin)(jin)融機(ji)構(gou)，股票(piao)市場、債券市場和保險(xian)(xian)市場規模均居全球第(di)二，外匯(hui)儲備規模連(lian)續(xu)(xu)17年穩居全球第(di)一(yi)。金(jin)(jin)(jin)(jin)融服務(wu)實(shi)(shi)(shi)體(ti)經(jing)濟(ji)質(zhi)效明顯提升(sheng)(sheng)，制(zhi)造業(ye)、科(ke)技創(chuang)新等(deng)重點(dian)領域融資(zi)持續(xu)(xu)快速增(zeng)長，綠色金(jin)(jin)(jin)(jin)融全球領先，普惠小(xiao)微(wei)貸款實(shi)(shi)(shi)現(xian)“量增(zeng)、面(mian)擴(kuo)、價(jia)降”，數字(zi)金(jin)(jin)(jin)(jin)融服務(wu)走在世(shi)界前列。堅(jian)決(jue)遏制(zhi)“脫實(shi)(shi)(shi)向虛”，影子銀行(xing)規模較(jiao)歷史(shi)峰(feng)值壓降接(jie)近30萬(wan)億元。金(jin)(jin)(jin)(jin)融改革開放呈現(xian)新局面(mian)，金(jin)(jin)(jin)(jin)融基礎性(xing)制(zhi)度建設持續(xu)(xu)加強，推(tui)動(dong)制(zhi)定和修改法律法規規章(zhang)百余部。穩步(bu)推(tui)進股票(piao)發行(xing)注冊制(zhi)改革，推(tui)出(chu)科(ke)創(chuang)板，改革創(chuang)業(ye)板，設立北京(jing)證券交(jiao)易(yi)所。政(zheng)策性(xing)、開發性(xing)銀行(xing)實(shi)(shi)(shi)行(xing)分(fen)類分(fen)賬管(guan)理。開展數字(zi)人(ren)民(min)幣試(shi)點(dian)。取(qu)(qu)消銀行(xing)、證券、保險(xian)(xian)行(xing)業(ye)外資(zi)股比限制(zhi)，人(ren)民(min)幣加入國(guo)際貨(huo)(huo)(huo)幣基金(jin)(jin)(jin)(jin)組織特別提款權(quan)（SDR），成(cheng)(cheng)為全球第(di)三大(da)(da)籃(lan)子貨(huo)(huo)(huo)幣、第(di)五大(da)(da)儲備貨(huo)(huo)(huo)幣。防范(fan)化(hua)解(jie)重大(da)(da)金(jin)(jin)(jin)(jin)融風險(xian)(xian)取(qu)(qu)得(de)重要階段性(xing)成(cheng)(cheng)果，2017年至2021年，主動(dong)處置銀行(xing)業(ye)不良資(zi)產(chan)(chan)超(chao)(chao)過12萬(wan)億元，精(jing)準處置“明天系(xi)”、“安邦(bang)系(xi)”、海航集(ji)團(tuan)、方正集(ji)團(tuan)等(deng)大(da)(da)型集(ji)團(tuan)風險(xian)(xian)，平穩化(hua)解(jie)一(yi)批(pi)高風險(xian)(xian)中(zhong)小(xiao)金(jin)(jin)(jin)(jin)融機(ji)構(gou)風險(xian)(xian)，金(jin)(jin)(jin)(jin)融風險(xian)(xian)整體(ti)收斂。嚴(yan)肅(su)查辦(ban)項(xiang)俊波(bo)、賴小(xiao)民(min)、胡懷邦(bang)、蔡鄂生等(deng)一(yi)批(pi)金(jin)(jin)(jin)(jin)融領域腐敗(bai)大(da)(da)案要案，根據十(shi)九(jiu)屆中(zhong)央第(di)八輪巡視整改要求，開展“地毯式”整改。
黨(dang)的(de)(de)(de)十八大以(yi)(yi)來的(de)(de)(de)金融(rong)工作(zuo)有力(li)促進(jin)了(le)(le)經(jing)濟(ji)社會發展，為完(wan)成脫貧(pin)攻堅(jian)目(mu)(mu)標(biao)、全面(mian)建成小康社會、實現(xian)第(di)一個百年奮斗(dou)目(mu)(mu)標(biao)作(zuo)出了(le)(le)重(zhong)要(yao)貢獻。金融(rong)系統進(jin)一步(bu)提高(gao)了(le)(le)政治站位，深刻認(ren)識到，必須堅(jian)持黨(dang)中(zhong)央對金融(rong)工作(zuo)的(de)(de)(de)集中(zhong)統一領(ling)導，堅(jian)持以(yi)(yi)人民(min)為中(zhong)心的(de)(de)(de)金融(rong)價(jia)值(zhi)取向(xiang)，堅(jian)持金融(rong)服務實體經(jing)濟(ji)的(de)(de)(de)根(gen)本要(yao)求(qiu)，堅(jian)持把防控風險作(zuo)為金融(rong)工作(zuo)永恒(heng)主題，堅(jian)持市場化法治化的(de)(de)(de)改革開放方向(xiang)，堅(jian)定(ding)走好中(zhong)國特色金融(rong)發展之(zhi)路。
一、2022年金融工作主要進(jin)展及成效
2022年(nian)以(yi)來，面對百年(nian)變局和世(shi)紀疫(yi)(yi)情(qing)相互疊加(jia)的復雜環境，金(jin)融(rong)(rong)系(xi)統認(ren)真(zhen)貫徹落實(shi)黨中(zhong)央、國(guo)務院決(jue)策部(bu)署，按照“疫(yi)(yi)情(qing)要(yao)防住、經(jing)濟(ji)要(yao)穩住、發展要(yao)安全”的要(yao)求，主(zhu)動應對，靠前發力，堅決(jue)支持穩住經(jing)濟(ji)大盤，有效防控(kong)金(jin)融(rong)(rong)風(feng)險，持續深化金(jin)融(rong)(rong)改(gai)革開放，切(qie)實(shi)改(gai)進金(jin)融(rong)(rong)服務，認(ren)真(zhen)開展中(zhong)央巡視(shi)整(zheng)改(gai)。
（一）貨幣政策執(zhi)行(xing)情況。
新(xin)冠(guan)肺炎疫情(qing)暴發(fa)以來，我國沒(mei)有實施量(liang)化寬松、負利(li)率(lv)(lv)等非常(chang)規貨幣(bi)(bi)政(zheng)(zheng)策(ce)，是(shi)少數實施正常(chang)貨幣(bi)(bi)政(zheng)(zheng)策(ce)的主要經(jing)濟體(ti)之(zhi)一。我國利(li)率(lv)(lv)水平(ping)在全(quan)世界居中，在主要發(fa)展(zhan)中國家中較低，確(que)保了(le)(le)物(wu)價走(zou)勢平(ping)穩(wen)(wen)(wen)(wen)可控，有力(li)促進了(le)(le)經(jing)濟穩(wen)(wen)(wen)(wen)定(ding)增(zeng)(zeng)(zeng)(zeng)(zeng)長。2022年(nian)(nian)以來，進一步(bu)加(jia)(jia)(jia)強(qiang)和(he)(he)完善了(le)(le)貨幣(bi)(bi)政(zheng)(zheng)策(ce)調控。一是(shi)加(jia)(jia)(jia)大穩(wen)(wen)(wen)(wen)健(jian)的貨幣(bi)(bi)政(zheng)(zheng)策(ce)實施力(li)度(du)。降準0.25個百分點(dian)，合(he)理(li)(li)增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)流(liu)動(dong)性(xing)(xing)，增(zeng)(zeng)(zeng)(zeng)(zeng)強(qiang)信貸總(zong)量(liang)增(zeng)(zeng)(zeng)(zeng)(zeng)長的穩(wen)(wen)(wen)(wen)定(ding)性(xing)(xing)。9月(yue)(yue)末(mo)，廣義貨幣(bi)(bi)供應量(liang)（M2）同比增(zeng)(zeng)(zeng)(zeng)(zeng)長12.1%，社會融(rong)資規模(mo)存量(liang)同比增(zeng)(zeng)(zeng)(zeng)(zeng)長10.6%，在保持(chi)物(wu)價穩(wen)(wen)(wen)(wen)定(ding)的情(qing)況下有力(li)支(zhi)(zhi)持(chi)經(jing)濟恢復。二是(shi)推(tui)動(dong)企業(ye)綜合(he)融(rong)資成本穩(wen)(wen)(wen)(wen)中有降。引(yin)導1年(nian)(nian)期、5年(nian)(nian)期以上貸款(kuan)市場報價利(li)率(lv)(lv)（LPR）分別下行0.15個、0.35個百分點(dian)。1月(yue)(yue)至(zhi)9月(yue)(yue)，新(xin)發(fa)放企業(ye)貸款(kuan)加(jia)(jia)(jia)權平(ping)均利(li)率(lv)(lv)為4.24%，比上年(nian)(nian)同期下降0.29個百分點(dian)，處于歷史較低水平(ping)。三是(shi)發(fa)揮結(jie)構(gou)性(xing)(xing)貨幣(bi)(bi)政(zheng)(zheng)策(ce)工(gong)具(ju)作用(yong)。精(jing)準設(she)計并用(yong)好(hao)支(zhi)(zhi)農支(zhi)(zhi)小再(zai)貸款(kuan)、普惠(hui)小微貸款(kuan)支(zhi)(zhi)持(chi)工(gong)具(ju)、碳減(jian)排(pai)支(zhi)(zhi)持(chi)工(gong)具(ju)、煤(mei)炭清潔高效利(li)用(yong)專(zhuan)項再(zai)貸款(kuan)等結(jie)構(gou)性(xing)(xing)工(gong)具(ju)，創設(she)科(ke)技(ji)創新(xin)、普惠(hui)養老、交通(tong)物(wu)流(liu)、設(she)備(bei)(bei)更新(xin)改(gai)造四項專(zhuan)項再(zai)貸款(kuan)，截至(zhi)2022年(nian)(nian)9月(yue)(yue)末(mo)，各(ge)類工(gong)具(ju)余額總(zong)計5.55萬(wan)億(yi)元(yuan)。調增(zeng)(zeng)(zeng)(zeng)(zeng)政(zheng)(zheng)策(ce)性(xing)(xing)開(kai)(kai)發(fa)性(xing)(xing)銀行8000億(yi)元(yuan)信貸額度(du)，支(zhi)(zhi)持(chi)設(she)立政(zheng)(zheng)策(ce)性(xing)(xing)開(kai)(kai)發(fa)性(xing)(xing)金(jin)融(rong)工(gong)具(ju)，保障重(zhong)(zhong)大基礎設(she)施項目建設(she)。安排(pai)2000億(yi)元(yuan)專(zhuan)項借(jie)款(kuan)，服務保交樓、穩(wen)(wen)(wen)(wen)民(min)生。四是(shi)保持(chi)人(ren)民(min)幣(bi)(bi)匯率(lv)(lv)在合(he)理(li)(li)均衡(heng)水平(ping)上的基本穩(wen)(wen)(wen)(wen)定(ding)。把握好(hao)內(nei)外平(ping)衡(heng)，適時調整金(jin)融(rong)機構(gou)外匯存款(kuan)準備(bei)(bei)金(jin)率(lv)(lv)，更加(jia)(jia)(jia)注重(zhong)(zhong)預期引(yin)導和(he)(he)管理(li)(li)。人(ren)民(min)幣(bi)(bi)對國際主要貨幣(bi)(bi)匯率(lv)(lv)有升有貶，雙向浮(fu)動(dong)，在全(quan)球(qiu)表(biao)現相對穩(wen)(wen)(wen)(wen)健(jian)。五是(shi)用(yong)好(hao)央(yang)行結(jie)存利(li)潤支(zhi)(zhi)持(chi)穩(wen)(wen)(wen)(wen)增(zeng)(zeng)(zeng)(zeng)(zeng)長。2022年(nian)(nian)1月(yue)(yue)至(zhi)9月(yue)(yue)已依法向中央(yang)財政(zheng)(zheng)上繳結(jie)存利(li)潤1.13萬(wan)億(yi)元(yuan)，直接增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)財政(zheng)(zheng)可用(yong)財力(li)，主要用(yong)于增(zeng)(zeng)(zeng)(zeng)(zeng)值稅(shui)(shui)留抵退稅(shui)(shui)和(he)(he)增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)向地方政(zheng)(zheng)府轉(zhuan)移支(zhi)(zhi)付，支(zhi)(zhi)持(chi)助企紓困、穩(wen)(wen)(wen)(wen)就業(ye)、保民(min)生。
（二）金融業運行和監督管理工作情況(kuang)。
2022年(nian)，銀(yin)(yin)行業、保(bao)險(xian)業、證券業金融機構總(zong)體穩健(jian)，股票(piao)市(shi)(shi)場和債券市(shi)(shi)場平穩運行。截至2022年(nian)6月末，金融業機構總(zong)資(zi)(zi)產407.42萬億元，保(bao)持合(he)理增長；商業銀(yin)(yin)行資(zi)(zi)本充(chong)足率(lv)(lv)和不良貸款率(lv)(lv)分(fen)別為(wei)14.87%、1.67%，保(bao)險(xian)公(gong)司平均(jun)綜合(he)償付能力充(chong)足率(lv)(lv)220.8%，證券公(gong)司風險(xian)覆蓋率(lv)(lv)、資(zi)(zi)本杠(gang)桿率(lv)(lv)中位數(shu)分(fen)別為(wei)291%、32%，均(jun)大幅(fu)優于監管(guan)標準。
人(ren)(ren)(ren)民銀(yin)(yin)行(xing)、銀(yin)(yin)保(bao)(bao)監(jian)(jian)(jian)會(hui)(hui)、證監(jian)(jian)(jian)會(hui)(hui)和(he)(he)(he)(he)(he)外(wai)匯局落實(shi)(shi)金(jin)(jin)融(rong)(rong)(rong)管(guan)(guan)理(li)(li)和(he)(he)(he)(he)(he)監(jian)(jian)(jian)管(guan)(guan)責(ze)(ze)任，加強金(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)(jian)管(guan)(guan)，取得積極(ji)成(cheng)效。一(yi)是(shi)(shi)加大監(jian)(jian)(jian)管(guan)(guan)執法(fa)(fa)(fa)(fa)(fa)(fa)力度(du)。2022年1月至9月，人(ren)(ren)(ren)民銀(yin)(yin)行(xing)處罰(fa)(fa)被監(jian)(jian)(jian)管(guan)(guan)機構521家(jia)次，處罰(fa)(fa)責(ze)(ze)任人(ren)(ren)(ren)員(yuan)782人(ren)(ren)(ren)次，罰(fa)(fa)沒合(he)計(ji)約6.3億(yi)(yi)元，向公(gong)(gong)安機關(guan)移(yi)送和(he)(he)(he)(he)(he)通(tong)報(bao)案件線(xian)索280件；銀(yin)(yin)保(bao)(bao)監(jian)(jian)(jian)會(hui)(hui)處罰(fa)(fa)銀(yin)(yin)行(xing)保(bao)(bao)險機構3200家(jia)次，處罰(fa)(fa)責(ze)(ze)任人(ren)(ren)(ren)員(yuan)5400人(ren)(ren)(ren)次，罰(fa)(fa)沒合(he)計(ji)20億(yi)(yi)元；證監(jian)(jian)(jian)會(hui)(hui)嚴(yan)厲(li)(li)打擊證券期貨違法(fa)(fa)(fa)(fa)(fa)(fa)犯(fan)罪活動(dong)(dong)，辦(ban)理(li)(li)案件522件，作(zuo)出(chu)處罰(fa)(fa)決定(ding)224件，向公(gong)(gong)安機關(guan)移(yi)送和(he)(he)(he)(he)(he)通(tong)報(bao)案件線(xian)索94件。加強期貨現貨聯動(dong)(dong)監(jian)(jian)(jian)管(guan)(guan)，促(cu)進動(dong)(dong)力煤、原油等基礎工業(ye)(ye)品價格平穩運行(xing)。二(er)是(shi)(shi)完善各行(xing)業(ye)(ye)領域(yu)監(jian)(jian)(jian)管(guan)(guan)規(gui)(gui)(gui)則。建立重大改革和(he)(he)(he)(he)(he)監(jian)(jian)(jian)管(guan)(guan)政策出(chu)臺(tai)協調機制。制定(ding)關(guan)聯交易管(guan)(guan)理(li)(li)辦(ban)法(fa)(fa)(fa)(fa)(fa)(fa)，開(kai)展(zhan)股(gu)(gu)權(quan)和(he)(he)(he)(he)(he)關(guan)聯交易專(zhuan)項整(zheng)治(zhi)，分五批(pi)向社會(hui)(hui)公(gong)(gong)開(kai)124個違法(fa)(fa)(fa)(fa)(fa)(fa)違規(gui)(gui)(gui)股(gu)(gu)東。完善平臺(tai)企(qi)業(ye)(ye)金(jin)(jin)融(rong)(rong)(rong)業(ye)(ye)務監(jian)(jian)(jian)管(guan)(guan)。正式實(shi)(shi)施(shi)保(bao)(bao)險業(ye)(ye)償付能力監(jian)(jian)(jian)管(guan)(guan)規(gui)(gui)(gui)則（Ⅱ）。建立上(shang)市公(gong)(gong)司(si)常態(tai)化(hua)退市機制，出(chu)臺(tai)行(xing)政罰(fa)(fa)沒款優先用于投資者賠償的規(gui)(gui)(gui)定(ding)，制定(ding)欺詐發行(xing)股(gu)(gu)票責(ze)(ze)令(ling)回(hui)購實(shi)(shi)施(shi)辦(ban)法(fa)(fa)(fa)(fa)(fa)(fa)。簽署中美審計(ji)監(jian)(jian)(jian)管(guan)(guan)合(he)作(zuo)協議(yi)。發布《宏(hong)觀審慎政策指引（試行(xing)）》，實(shi)(shi)施(shi)系(xi)統重要性銀(yin)(yin)行(xing)附加監(jian)(jian)(jian)管(guan)(guan)，依法(fa)(fa)(fa)(fa)(fa)(fa)批(pi)準(zhun)設(she)立中信金(jin)(jin)融(rong)(rong)(rong)控(kong)(kong)股(gu)(gu)公(gong)(gong)司(si)、北京金(jin)(jin)融(rong)(rong)(rong)控(kong)(kong)股(gu)(gu)公(gong)(gong)司(si)和(he)(he)(he)(he)(he)招商局金(jin)(jin)融(rong)(rong)(rong)控(kong)(kong)股(gu)(gu)公(gong)(gong)司(si)。三是(shi)(shi)加強金(jin)(jin)融(rong)(rong)(rong)法(fa)(fa)(fa)(fa)(fa)(fa)治(zhi)建設(she)。起(qi)草金(jin)(jin)融(rong)(rong)(rong)穩定(ding)法(fa)(fa)(fa)(fa)(fa)(fa)，推動(dong)(dong)加快(kuai)修訂人(ren)(ren)(ren)民銀(yin)(yin)行(xing)法(fa)(fa)(fa)(fa)(fa)(fa)、反洗(xi)錢(qian)法(fa)(fa)(fa)(fa)(fa)(fa)、銀(yin)(yin)行(xing)業(ye)(ye)監(jian)(jian)(jian)督(du)管(guan)(guan)理(li)(li)法(fa)(fa)(fa)(fa)(fa)(fa)，推動(dong)(dong)出(chu)臺(tai)期貨和(he)(he)(he)(he)(he)衍生(sheng)品法(fa)(fa)(fa)(fa)(fa)(fa)，加快(kuai)推進公(gong)(gong)司(si)債券管(guan)(guan)理(li)(li)條例(li)和(he)(he)(he)(he)(he)上(shang)市公(gong)(gong)司(si)監(jian)(jian)(jian)管(guan)(guan)條例(li)的起(qi)草出(chu)臺(tai)。四是(shi)(shi)嚴(yan)厲(li)(li)懲(cheng)治(zhi)金(jin)(jin)融(rong)(rong)(rong)腐敗。一(yi)體推進懲(cheng)治(zhi)金(jin)(jin)融(rong)(rong)(rong)腐敗和(he)(he)(he)(he)(he)防控(kong)(kong)金(jin)(jin)融(rong)(rong)(rong)風險，嚴(yan)厲(li)(li)懲(cheng)治(zhi)金(jin)(jin)融(rong)(rong)(rong)風險背后(hou)的監(jian)(jian)(jian)管(guan)(guan)失守及違法(fa)(fa)(fa)(fa)(fa)(fa)犯(fan)罪行(xing)為。
（三）金融支(zhi)持實體經濟情況。
新冠(guan)肺炎(yan)疫(yi)情(qing)暴發(fa)(fa)以來，先后發(fa)(fa)布(bu)(bu)實施強化(hua)(hua)(hua)金(jin)(jin)融(rong)支(zhi)持(chi)(chi)防控疫(yi)情(qing)30條(tiao)措(cuo)施、支(zhi)持(chi)(chi)受(shou)疫(yi)情(qing)影響嚴重地區和(he)(he)行業(ye)(ye)恢復發(fa)(fa)展23條(tiao)舉措(cuo)，加(jia)強產業(ye)(ye)鏈(lian)協同復工復產金(jin)(jin)融(rong)服(fu)務(wu)，大(da)力支(zhi)持(chi)(chi)保(bao)供穩(wen)價，助力市場主體紓困(kun)和(he)(he)經(jing)濟(ji)恢復發(fa)(fa)展。2022年(nian)(nian)以來，進一步加(jia)大(da)對實體經(jing)濟(ji)的金(jin)(jin)融(rong)支(zhi)持(chi)(chi)力度。一是(shi)保(bao)持(chi)(chi)融(rong)資總量合(he)理充(chong)裕。2022年(nian)(nian)1月(yue)(yue)(yue)至(zhi)9月(yue)(yue)(yue)，人民幣貸(dai)款新增(zeng)(zeng)18.08萬(wan)億(yi)(yi)(yi)元(yuan)，同比(bi)多增(zeng)(zeng)1.36萬(wan)億(yi)(yi)(yi)元(yuan)；上海證券交易所、深圳證券交易所共(gong)有265家(jia)企(qi)業(ye)(ye)首次公開發(fa)(fa)行股票（IPO），融(rong)資4791億(yi)(yi)(yi)元(yuan)，數(shu)(shu)量和(he)(he)融(rong)資金(jin)(jin)額(e)(e)均居全(quan)球首位(wei)。二是(shi)加(jia)大(da)對重點領域支(zhi)持(chi)(chi)力度。截(jie)至(zhi)2022年(nian)(nian)9月(yue)(yue)(yue)末，制造業(ye)(ye)中(zhong)長(chang)期(qi)貸(dai)款余額(e)(e)8.75萬(wan)億(yi)(yi)(yi)元(yuan)，同比(bi)增(zeng)(zeng)長(chang)30.8%；科技型(xing)中(zhong)小企(qi)業(ye)(ye)貸(dai)款余額(e)(e)1.56萬(wan)億(yi)(yi)(yi)元(yuan)，同比(bi)增(zeng)(zeng)長(chang)26.3%。發(fa)(fa)布(bu)(bu)綠色(se)金(jin)(jin)融(rong)指引。充(chong)分發(fa)(fa)揮科創(chuang)(chuang)板(ban)、創(chuang)(chuang)業(ye)(ye)板(ban)和(he)(he)北(bei)(bei)交所服(fu)務(wu)“硬(ying)科技”、創(chuang)(chuang)業(ye)(ye)創(chuang)(chuang)新、“專(zhuan)精特(te)新”企(qi)業(ye)(ye)的作用，截(jie)至(zhi)2022年(nian)(nian)9月(yue)(yue)(yue)末，科創(chuang)(chuang)板(ban)、創(chuang)(chuang)業(ye)(ye)板(ban)融(rong)資金(jin)(jin)額(e)(e)占(zhan)同期(qi)全(quan)市場的一半以上，北(bei)(bei)交所上市公司突破110家(jia)。三(san)是(shi)普(pu)(pu)惠金(jin)(jin)融(rong)取得積極進展。截(jie)至(zhi)2022年(nian)(nian)9月(yue)(yue)(yue)末，普(pu)(pu)惠小微貸(dai)款余額(e)(e)23.2萬(wan)億(yi)(yi)(yi)元(yuan)，同比(bi)增(zeng)(zeng)長(chang)24.6%；授(shou)信(xin)(xin)戶數(shu)(shu)超過5389萬(wan)戶，同比(bi)增(zeng)(zeng)長(chang)31.7%。2022年(nian)(nian)1月(yue)(yue)(yue)至(zhi)9月(yue)(yue)(yue)，共(gong)支(zhi)持(chi)(chi)銀(yin)行發(fa)(fa)行小微企(qi)業(ye)(ye)專(zhuan)項(xiang)金(jin)(jin)融(rong)債券2255.1億(yi)(yi)(yi)元(yuan)、“三(san)農”專(zhuan)項(xiang)金(jin)(jin)融(rong)債券214.2億(yi)(yi)(yi)元(yuan)。做好(hao)新市民金(jin)(jin)融(rong)服(fu)務(wu)，截(jie)至(zhi)2022年(nian)(nian)6月(yue)(yue)(yue)末，專(zhuan)屬貸(dai)款余額(e)(e)約1.2萬(wan)億(yi)(yi)(yi)元(yuan)。四是(shi)提升基(ji)礎金(jin)(jin)融(rong)服(fu)務(wu)水(shui)平(ping)(ping)。扎(zha)實穩(wen)妥推(tui)進數(shu)(shu)字人民幣試(shi)點測試(shi)，試(shi)點地區拓展到15個省市的23個地區。省級地方征信(xin)(xin)平(ping)(ping)臺建(jian)設加(jia)快(kuai)推(tui)進，小微企(qi)業(ye)(ye)“征信(xin)(xin)通”穩(wen)企(qi)紓困(kun)成效顯(xian)著。擴(kuo)大(da)跨(kua)境融(rong)資便利(li)化(hua)(hua)(hua)試(shi)點，將優質(zhi)企(qi)業(ye)(ye)貿易外匯(hui)收(shou)支(zhi)便利(li)化(hua)(hua)(hua)政策推(tui)廣至(zhi)全(quan)國，提升跨(kua)境投融(rong)資和(he)(he)貿易便利(li)化(hua)(hua)(hua)水(shui)平(ping)(ping)。
（四）金融體系改革和對外開(kai)放(fang)情(qing)況。
始終堅持通過深化改(gai)(gai)革(ge)開放(fang)(fang)，解(jie)決金(jin)(jin)融(rong)領域深層次問(wen)題(ti)，實(shi)(shi)現(xian)金(jin)(jin)融(rong)高(gao)質量發(fa)展(zhan)。2022年以(yi)來，金(jin)(jin)融(rong)改(gai)(gai)革(ge)開放(fang)(fang)取(qu)得(de)新(xin)進(jin)展(zhan)。一(yi)是深化金(jin)(jin)融(rong)機構(gou)改(gai)(gai)革(ge)。推動(dong)政策(ce)(ce)性(xing)開發(fa)性(xing)銀(yin)行分類分賬改(gai)(gai)革(ge)。統(tong)籌推進(jin)中(zhong)小銀(yin)行改(gai)(gai)革(ge)化險(xian)，用好(hao)專(zhuan)項債額度補充中(zhong)小銀(yin)行資(zi)本。二(er)是發(fa)展(zhan)多層次金(jin)(jin)融(rong)市(shi)(shi)(shi)場。做好(hao)全面實(shi)(shi)行股票發(fa)行注冊制各項準備(bei)。推出科創板(ban)做市(shi)(shi)(shi)商制度，推動(dong)北交所轉板(ban)上(shang)市(shi)(shi)(shi)制度正(zheng)式落地(di)。統(tong)一(yi)境外(wai)投資(zi)者投資(zi)我(wo)國(guo)(guo)(guo)債券(quan)市(shi)(shi)(shi)場政策(ce)(ce)，債券(quan)市(shi)(shi)(shi)場互(hu)聯(lian)互(hu)通取(qu)得(de)積(ji)極進(jin)展(zhan)。推進(jin)車險(xian)綜合(he)改(gai)(gai)革(ge)，穩(wen)步實(shi)(shi)現(xian)“增保、提質、降價(jia)”目標(biao)。規范發(fa)展(zhan)第(di)三支柱養(yang)老(lao)(lao)保險(xian)，批準國(guo)(guo)(guo)民養(yang)老(lao)(lao)保險(xian)公(gong)司(si)開業，啟動(dong)養(yang)老(lao)(lao)儲(chu)蓄試點(dian)(dian)，專(zhuan)屬商業養(yang)老(lao)(lao)保險(xian)試點(dian)(dian)區域擴大到全國(guo)(guo)(guo)，養(yang)老(lao)(lao)理(li)財產品試點(dian)(dian)擴展(zhan)至(zhi)“十地(di)十機構(gou)”。三是擴大高(gao)水平金(jin)(jin)融(rong)對外(wai)開放(fang)(fang)。拓寬滬深港(gang)通標(biao)的范圍(wei)，正(zheng)式啟動(dong)互(hu)聯(lian)互(hu)通下交易型開放(fang)(fang)式基金(jin)(jin)（ETF）交易。人民幣在國(guo)(guo)(guo)際(ji)貨幣基金(jin)(jin)組織特別(bie)提款權(quan)(quan)貨幣籃(lan)子的權(quan)(quan)重從10.92%上(shang)升至(zhi)12.28%。與香港(gang)金(jin)(jin)融(rong)管理(li)局建立常備(bei)貨幣互(hu)換安排，為香港(gang)市(shi)(shi)(shi)場提供(gong)更加穩(wen)定(ding)、長(chang)期限(xian)的流動(dong)性(xing)支持。推進(jin)綠(lv)色金(jin)(jin)融(rong)國(guo)(guo)(guo)際(ji)合(he)作，牽頭制定(ding)二(er)十國(guo)(guo)(guo)集(ji)團(tuan)轉型金(jin)(jin)融(rong)框架。
（五(wu)）防范化解金融風險隱患情(qing)況(kuang)。
2018年以來(lai)，按照黨(dang)中(zhong)(zhong)央確立(li)(li)的(de)“穩(wen)定(ding)大局、統籌協(xie)調、分類施策、精準拆(chai)彈”的(de)基(ji)本(ben)方(fang)針(zhen)，堅(jian)決打好防(fang)范(fan)化(hua)解(jie)重大金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)攻堅(jian)戰，取得重要階段(duan)性成果，金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)整體(ti)收(shou)斂、總(zong)體(ti)可控，金(jin)(jin)(jin)(jin)(jin)融(rong)體(ti)系(xi)經受住(zhu)(zhu)了(le)復雜(za)環境(jing)的(de)沖擊(ji)考驗。2022年以來(lai)，繼續(xu)積(ji)(ji)極(ji)穩(wen)妥(tuo)化(hua)解(jie)金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。一是持(chi)(chi)續(xu)化(hua)解(jie)金(jin)(jin)(jin)(jin)(jin)融(rong)機構風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。推進(jin)(jin)(jin)遼(liao)寧省(sheng)高(gao)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)中(zhong)(zhong)小銀(yin)行(xing)處(chu)置工作，吸收(shou)合(he)并省(sheng)內(nei)兩家高(gao)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)城市商業銀(yin)行(xing)、組建(jian)遼(liao)沈銀(yin)行(xing)，批準遼(liao)陽農(nong)商銀(yin)行(xing)、太(tai)子(zi)河村鎮銀(yin)行(xing)進(jin)(jin)(jin)入(ru)破產(chan)(chan)程(cheng)序。支(zhi)持(chi)(chi)河南省(sheng)、安徽(hui)省(sheng)穩(wen)妥(tuo)處(chu)置5家村鎮銀(yin)行(xing)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)事件。推進(jin)(jin)(jin)不(bu)良資產(chan)(chan)認(ren)定(ding)和處(chu)置，2022年1月(yue)(yue)至(zhi)8月(yue)(yue)處(chu)置不(bu)良資產(chan)(chan)1.74萬(wan)億元。持(chi)(chi)續(xu)壓降高(gao)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)影(ying)子(zi)銀(yin)行(xing)業務。二是有序處(chu)置高(gao)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)企(qi)業集(ji)團(tuan)。推進(jin)(jin)(jin)海航集(ji)團(tuan)、方(fang)正(zheng)集(ji)團(tuan)、忠(zhong)旺集(ji)團(tuan)等(deng)重點集(ji)團(tuan)金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)處(chu)置取得積(ji)(ji)極(ji)進(jin)(jin)(jin)展(zhan)。三是妥(tuo)善化(hua)解(jie)房(fang)地產(chan)(chan)金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。推動(dong)(dong)房(fang)地產(chan)(chan)企(qi)業風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)處(chu)置，做好金(jin)(jin)(jin)(jin)(jin)融(rong)支(zhi)持(chi)(chi)保交樓工作。引(yin)導金(jin)(jin)(jin)(jin)(jin)融(rong)機構支(zhi)持(chi)(chi)房(fang)地產(chan)(chan)業合(he)理融(rong)資需(xu)求，校正(zheng)過度避險(xian)(xian)(xian)行(xing)為，推動(dong)(dong)個人住(zhu)(zhu)房(fang)貸款利率下行(xing)，更(geng)好滿足(zu)剛性和改善性住(zhu)(zhu)房(fang)需(xu)求。四是嚴(yan)厲(li)打擊(ji)非(fei)法(fa)金(jin)(jin)(jin)(jin)(jin)融(rong)活動(dong)(dong)。打擊(ji)非(fei)法(fa)集(ji)資、境(jing)內(nei)虛(xu)擬貨幣交易炒作和地下錢莊(zhuang)、跨境(jing)賭博等(deng)非(fei)法(fa)跨境(jing)金(jin)(jin)(jin)(jin)(jin)融(rong)活動(dong)(dong)。五(wu)是構建(jian)防(fang)范(fan)化(hua)解(jie)金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)長效機制。推動(dong)(dong)加快(kuai)制定(ding)金(jin)(jin)(jin)(jin)(jin)融(rong)穩(wen)定(ding)法(fa)，初步(bu)建(jian)立(li)(li)金(jin)(jin)(jin)(jin)(jin)融(rong)穩(wen)定(ding)保障基(ji)金(jin)(jin)(jin)(jin)(jin)。健全金(jin)(jin)(jin)(jin)(jin)融(rong)委(wei)辦公(gong)室地方(fang)協(xie)調機制，推動(dong)(dong)各地建(jian)立(li)(li)省(sheng)級(ji)金(jin)(jin)(jin)(jin)(jin)融(rong)風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)化(hua)解(jie)委(wei)員會。健全資本(ben)市場風(feng)(feng)(feng)(feng)(feng)險(xian)(xian)(xian)預防(fang)預警(jing)處(chu)置問責制度體(ti)系(xi)。
二(er)、下一步工作考慮
以習近平(ping)新(xin)時(shi)代中國特(te)色社會(hui)主義思想為(wei)指導(dao)(dao)，學(xue)習好(hao)、領(ling)會(hui)好(hao)、貫徹(che)好(hao)黨的(de)二十大精神，堅(jian)持黨對金融(rong)工(gong)作(zuo)的(de)堅(jian)強(qiang)領(ling)導(dao)(dao)，全(quan)面踐行金融(rong)工(gong)作(zuo)的(de)政治性(xing)、人民性(xing)，提升專業性(xing)，以深化(hua)金融(rong)供給側結構性(xing)改革(ge)為(wei)主線(xian)，堅(jian)持穩中求(qiu)進工(gong)作(zuo)總基調，完整(zheng)、準確、全(quan)面貫徹(che)新(xin)發(fa)展(zhan)理念，不折不扣落實(shi)中央巡視整(zheng)改要求(qiu)，統籌發(fa)展(zhan)與安全(quan)，牢牢守住(zhu)不發(fa)生系統性(xing)金融(rong)風險的(de)底(di)線(xian)，堅(jian)定不移走中國特(te)色金融(rong)發(fa)展(zhan)之(zhi)路，實(shi)現金融(rong)高(gao)質量發(fa)展(zhan)。
（一）繼續實施(shi)穩健的貨幣(bi)政策。
今后一(yi)段(duan)時(shi)期(qi)，我國有條件盡量(liang)長時(shi)間保(bao)(bao)(bao)(bao)持(chi)(chi)(chi)正常的(de)貨幣(bi)(bi)(bi)政策，維護幣(bi)(bi)(bi)值穩(wen)定(ding)。總量(liang)上(shang)(shang)(shang)，保(bao)(bao)(bao)(bao)持(chi)(chi)(chi)流動(dong)性(xing)(xing)合(he)理(li)充裕(yu)，加大對實(shi)體(ti)經濟(ji)的(de)信貸支持(chi)(chi)(chi)力(li)度，保(bao)(bao)(bao)(bao)持(chi)(chi)(chi)貨幣(bi)(bi)(bi)供應量(liang)和(he)社會(hui)融(rong)資(zi)規模(mo)增速與名義經濟(ji)增速基(ji)本(ben)匹配，疏通(tong)貨幣(bi)(bi)(bi)政策傳導(dao)機制，增強信貸增長的(de)穩(wen)定(ding)性(xing)(xing)，助力(li)實(shi)現擴(kuo)投資(zi)、帶(dai)就(jiu)業(ye)、促(cu)消(xiao)費綜合(he)效應，穩(wen)定(ding)宏觀(guan)經濟(ji)大盤。價格(ge)上(shang)(shang)(shang)，持(chi)(chi)(chi)續(xu)(xu)深(shen)化(hua)利率(lv)(lv)市場化(hua)改(gai)革，發(fa)揮貸款市場報(bao)價利率(lv)(lv)改(gai)革效能，進一(yi)步推動(dong)金融(rong)機構降低實(shi)際貸款利率(lv)(lv)，降低企(qi)業(ye)綜合(he)融(rong)資(zi)和(he)個人消(xiao)費信貸成本(ben)。加強預期(qi)管理(li)，增強人民(min)幣(bi)(bi)(bi)匯率(lv)(lv)彈(dan)性(xing)(xing)，保(bao)(bao)(bao)(bao)持(chi)(chi)(chi)人民(min)幣(bi)(bi)(bi)匯率(lv)(lv)在合(he)理(li)均衡水平上(shang)(shang)(shang)的(de)基(ji)本(ben)穩(wen)定(ding)。結構上(shang)(shang)(shang)，持(chi)(chi)(chi)續(xu)(xu)支持(chi)(chi)(chi)“三農”、小微企(qi)業(ye)發(fa)展(zhan)，繼續(xu)(xu)用好結構性(xing)(xing)貨幣(bi)(bi)(bi)政策工具，突出金融(rong)支持(chi)(chi)(chi)重點領域，運用好碳減排支持(chi)(chi)(chi)工具和(he)支持(chi)(chi)(chi)煤炭清(qing)潔高(gao)效利用、科技(ji)創新(xin)、普惠養老(lao)、交通(tong)物流、設備(bei)更新(xin)改(gai)造等專項再貸款。
（二）全面(mian)加強和完善(shan)金(jin)融監管(guan)。
進(jin)(jin)一步提升金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)管(guan)(guan)(guan)有效性(xing)，彌補(bu)監(jian)(jian)管(guan)(guan)(guan)短板，強(qiang)(qiang)(qiang)化(hua)(hua)(hua)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)風險(xian)(xian)源頭管(guan)(guan)(guan)控(kong)。一是(shi)(shi)強(qiang)(qiang)(qiang)化(hua)(hua)(hua)審(shen)慎(shen)監(jian)(jian)管(guan)(guan)(guan)。堅(jian)守監(jian)(jian)管(guan)(guan)(guan)主責主業(ye)，把好金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機構準入關(guan)(guan)，加(jia)(jia)強(qiang)(qiang)(qiang)對(dui)股(gu)東(dong)資質(zhi)、股(gu)權關(guan)(guan)系的(de)穿(chuan)透核(he)查和(he)股(gu)東(dong)行(xing)為(wei)監(jian)(jian)管(guan)(guan)(guan)，堅(jian)決(jue)糾正違規(gui)關(guan)(guan)聯交易，防止(zhi)(zhi)大股(gu)東(dong)操縱和(he)內(nei)部人控(kong)制。依(yi)法(fa)(fa)(fa)(fa)將(jiang)各類金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動全部納入監(jian)(jian)管(guan)(guan)(guan)，加(jia)(jia)強(qiang)(qiang)(qiang)對(dui)非法(fa)(fa)(fa)(fa)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)活(huo)動的(de)認(ren)定，嚴(yan)厲(li)打擊(ji)“無照駕駛”行(xing)為(wei)。二是(shi)(shi)強(qiang)(qiang)(qiang)化(hua)(hua)(hua)監(jian)(jian)管(guan)(guan)(guan)執法(fa)(fa)(fa)(fa)和(he)監(jian)(jian)管(guan)(guan)(guan)效能(neng)。嚴(yan)格履行(xing)監(jian)(jian)管(guan)(guan)(guan)職責，依(yi)法(fa)(fa)(fa)(fa)監(jian)(jian)管(guan)(guan)(guan)、依(yi)法(fa)(fa)(fa)(fa)行(xing)政(zheng)，保持(chi)行(xing)政(zheng)處罰高(gao)(gao)壓(ya)態勢(shi)，嚴(yan)厲(li)打擊(ji)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)犯(fan)罪。加(jia)(jia)快監(jian)(jian)管(guan)(guan)(guan)數字(zi)化(hua)(hua)(hua)智(zhi)能(neng)化(hua)(hua)(hua)建(jian)(jian)設(she)，豐(feng)富(fu)執法(fa)(fa)(fa)(fa)手段(duan)。推(tui)動監(jian)(jian)管(guan)(guan)(guan)數據共(gong)享(xiang)，推(tui)進(jin)(jin)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)數據治(zhi)理(li)，提高(gao)(gao)數據真(zhen)實性(xing)和(he)數據質(zhi)量。三是(shi)(shi)依(yi)法(fa)(fa)(fa)(fa)規(gui)范和(he)引導資本健康發展。穩妥推(tui)進(jin)(jin)并盡快完成平臺(tai)企業(ye)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)業(ye)務整改，實施(shi)常態化(hua)(hua)(hua)監(jian)(jian)管(guan)(guan)(guan)，既(ji)堅(jian)持(chi)“兩個毫(hao)不動搖(yao)”，支持(chi)資本依(yi)法(fa)(fa)(fa)(fa)依(yi)規(gui)開(kai)展投融(rong)(rong)(rong)資活(huo)動，又堅(jian)決(jue)防止(zhi)(zhi)資本無序擴張。四是(shi)(shi)加(jia)(jia)強(qiang)(qiang)(qiang)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)法(fa)(fa)(fa)(fa)治(zhi)建(jian)(jian)設(she)。抓緊推(tui)進(jin)(jin)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)穩定法(fa)(fa)(fa)(fa)出臺(tai)，加(jia)(jia)快修訂人民銀行(xing)法(fa)(fa)(fa)(fa)、商業(ye)銀行(xing)法(fa)(fa)(fa)(fa)、保險(xian)(xian)法(fa)(fa)(fa)(fa)、信托(tuo)法(fa)(fa)(fa)(fa)、票據法(fa)(fa)(fa)(fa)、反洗錢法(fa)(fa)(fa)(fa)等重要基(ji)礎性(xing)法(fa)(fa)(fa)(fa)律。五是(shi)(shi)強(qiang)(qiang)(qiang)化(hua)(hua)(hua)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)反腐和(he)人才隊伍建(jian)(jian)設(she)。加(jia)(jia)強(qiang)(qiang)(qiang)對(dui)關(guan)(guan)鍵(jian)人、關(guan)(guan)鍵(jian)崗位、關(guan)(guan)鍵(jian)環節的(de)管(guan)(guan)(guan)理(li)，打造一支政(zheng)治(zhi)覺悟高(gao)(gao)、業(ye)務素質(zhi)強(qiang)(qiang)(qiang)、作(zuo)風過硬、清正廉潔的(de)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)隊伍，一體推(tui)進(jin)(jin)不敢(gan)腐不能(neng)腐不想腐。
（三(san)）進一步加(jia)大金融(rong)支持實體經濟力(li)度(du)。
堅持(chi)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)實體經濟(ji)的(de)宗旨和(he)(he)本(ben)源，繼續(xu)加(jia)(jia)大(da)對實體經濟(ji)的(de)支(zhi)持(chi)力度(du)，保(bao)持(chi)經濟(ji)運行在合(he)理區(qu)間。一(yi)是(shi)滿足(zu)實體經濟(ji)有(you)(you)效融(rong)(rong)(rong)(rong)(rong)資需(xu)求。鼓勵(li)銀行業(ye)(ye)(ye)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構合(he)理加(jia)(jia)大(da)信(xin)貸投放(fang)力度(du)，有(you)(you)效發揮保(bao)險資金(jin)(jin)優(you)勢。引導金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構通過高(gao)適配性的(de)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產(chan)品(pin)和(he)(he)服(fu)(fu)務(wu)(wu)(wu)創新(xin)(xin)，刺(ci)激(ji)和(he)(he)釋放(fang)新(xin)(xin)需(xu)求。二是(shi)完善薄弱環節金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)。建立健全金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)小微(wei)企業(ye)(ye)(ye)敢貸愿貸能貸會貸長(chang)效機(ji)制，推動(dong)完善貸款擔保(bao)、盡職免責、不良核銷(xiao)、資本(ben)占用(yong)(yong)等(deng)(deng)配套(tao)機(ji)制。落(luo)實落(luo)細各項金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)紓困政(zheng)策(ce)，用(yong)(yong)好金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)科(ke)技(ji)手(shou)段(duan)，強(qiang)化小微(wei)企業(ye)(ye)(ye)、“三(san)農”等(deng)(deng)普(pu)惠(hui)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)，進(jin)(jin)一(yi)步提升(sheng)新(xin)(xin)市民金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)(wu)(wu)水平。三(san)是(shi)強(qiang)化經濟(ji)轉型升(sheng)級(ji)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)支(zhi)持(chi)。引導更多資金(jin)(jin)投向先(xian)進(jin)(jin)制造業(ye)(ye)(ye)、戰略性新(xin)(xin)興產(chan)業(ye)(ye)(ye)，更好服(fu)(fu)務(wu)(wu)(wu)關(guan)鍵核心技(ji)術(shu)攻關(guan)企業(ye)(ye)(ye)和(he)(he)“專精(jing)特新(xin)(xin)”企業(ye)(ye)(ye)。創新(xin)(xin)綠色金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)產(chan)品(pin)和(he)(he)服(fu)(fu)務(wu)(wu)(wu)。四是(shi)支(zhi)持(chi)基礎(chu)設(she)(she)施(shi)和(he)(he)重(zhong)大(da)項目(mu)建設(she)(she)。用(yong)(yong)好用(yong)(yong)足(zu)政(zheng)策(ce)性開發性金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)工具，支(zhi)持(chi)重(zhong)大(da)項目(mu)資本(ben)金(jin)(jin)盡快到位。穩步擴大(da)REITs試點(dian)范圍(wei)，促(cu)進(jin)(jin)盤活(huo)存(cun)量(liang)資產(chan)。五是(shi)加(jia)(jia)強(qiang)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)基礎(chu)設(she)(she)施(shi)建設(she)(she)。研究推動(dong)出臺數字人民幣(bi)相關(guan)法(fa)律(lv)法(fa)規和(he)(he)行業(ye)(ye)(ye)配套(tao)政(zheng)策(ce)。持(chi)續(xu)推進(jin)(jin)小微(wei)企業(ye)(ye)(ye)“征信(xin)通”建設(she)(she)，依法(fa)加(jia)(jia)強(qiang)個人信(xin)息保(bao)護。
（四）不斷深(shen)化金融改革和(he)對外開放。
加(jia)(jia)快構建(jian)新(xin)發(fa)展(zhan)格局，邁向高(gao)質(zhi)量(liang)發(fa)展(zhan)階段(duan)，需要進(jin)(jin)(jin)一(yi)(yi)步(bu)深(shen)化(hua)(hua)(hua)(hua)金(jin)(jin)(jin)融(rong)(rong)供(gong)給側結構性(xing)改革(ge)(ge)，支(zhi)(zhi)持(chi)經(jing)濟發(fa)展(zhan)方(fang)式(shi)轉變和經(jing)濟結構優化(hua)(hua)(hua)(hua)。一(yi)(yi)是(shi)優化(hua)(hua)(hua)(hua)金(jin)(jin)(jin)融(rong)(rong)結構。提(ti)升金(jin)(jin)(jin)融(rong)(rong)機構的(de)(de)穩(wen)健性(xing)，加(jia)(jia)大不良資產核銷(xiao)力(li)度，強(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)資本(ben)(ben)補充。督(du)促(cu)中小(xiao)金(jin)(jin)(jin)融(rong)(rong)機構回歸(gui)本(ben)(ben)源(yuan)和主(zhu)業，有(you)序(xu)推(tui)進(jin)(jin)(jin)中小(xiao)銀行改革(ge)(ge)重組，積(ji)極(ji)穩(wen)妥推(tui)進(jin)(jin)(jin)農村信用社改革(ge)(ge)。促(cu)進(jin)(jin)(jin)金(jin)(jin)(jin)融(rong)(rong)業數字(zi)化(hua)(hua)(hua)(hua)轉型(xing)。提(ti)高(gao)直接融(rong)(rong)資比重，增加(jia)(jia)長期(qi)資本(ben)(ben)供(gong)給，滿足不同類(lei)(lei)型(xing)、不同生(sheng)命周期(qi)企業的(de)(de)多元(yuan)化(hua)(hua)(hua)(hua)、差異化(hua)(hua)(hua)(hua)融(rong)(rong)資需求。二(er)是(shi)深(shen)化(hua)(hua)(hua)(hua)金(jin)(jin)(jin)融(rong)(rong)市(shi)(shi)(shi)場改革(ge)(ge)。堅(jian)持(chi)“建(jian)制(zhi)(zhi)度、不干預、零容忍”方(fang)針，加(jia)(jia)強(qiang)(qiang)(qiang)資本(ben)(ben)市(shi)(shi)(shi)場基礎制(zhi)(zhi)度建(jian)設，適(shi)時全面實行股票發(fa)行注冊制(zhi)(zhi)，進(jin)(jin)(jin)一(yi)(yi)步(bu)提(ti)高(gao)上(shang)市(shi)(shi)(shi)公司質(zhi)量(liang)，壯大各類(lei)(lei)中長期(qi)投資力(li)量(liang)，強(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)投資者保護(hu)。促(cu)進(jin)(jin)(jin)債(zhai)券市(shi)(shi)(shi)場各類(lei)(lei)基礎設施之間有(you)序(xu)互(hu)聯互(hu)通(tong)。積(ji)極(ji)穩(wen)妥發(fa)展(zhan)期(qi)貨市(shi)(shi)(shi)場，完善衍生(sheng)品市(shi)(shi)(shi)場監管體制(zhi)(zhi)。推(tui)動境(jing)外上(shang)市(shi)(shi)(shi)備案制(zhi)(zhi)度落地實施，支(zhi)(zhi)持(chi)符合條件的(de)(de)企業境(jing)外上(shang)市(shi)(shi)(shi)。強(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)保險(xian)保障功能，促(cu)進(jin)(jin)(jin)第三支(zhi)(zhi)柱養(yang)老保險(xian)健康發(fa)展(zhan)，深(shen)化(hua)(hua)(hua)(hua)車險(xian)綜(zong)合改革(ge)(ge)。三是(shi)擴大高(gao)水平金(jin)(jin)(jin)融(rong)(rong)開放。在安全可控前提(ti)下，進(jin)(jin)(jin)一(yi)(yi)步(bu)完善準入前國民(min)待遇加(jia)(jia)負面清單的(de)(de)管理(li)模式(shi)，提(ti)升我國金(jin)(jin)(jin)融(rong)(rong)市(shi)(shi)(shi)場的(de)(de)投資便利(li)性(xing)，構建(jian)與(yu)金(jin)(jin)(jin)融(rong)(rong)高(gao)水平開放要求相適(shi)應(ying)的(de)(de)監管體系，提(ti)高(gao)金(jin)(jin)(jin)融(rong)(rong)機構“走(zou)出(chu)去”經(jing)營管理(li)水平和全球競(jing)爭力(li)。有(you)序(xu)推(tui)進(jin)(jin)(jin)人(ren)民(min)幣國際(ji)化(hua)(hua)(hua)(hua)。堅(jian)持(chi)多邊主(zhu)義原則，積(ji)極(ji)參與(yu)國際(ji)金(jin)(jin)(jin)融(rong)(rong)合作與(yu)治理(li)。
（五）積極穩(wen)妥防范化解金(jin)融風險。
金(jin)(jin)(jin)融(rong)(rong)是(shi)經(jing)營管理風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的行業，防(fang)范化(hua)(hua)解(jie)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)是(shi)金(jin)(jin)(jin)融(rong)(rong)工作(zuo)(zuo)(zuo)的永(yong)恒主題，要(yao)以(yi)“時(shi)時(shi)放(fang)心不下”的責任感，進一步做(zuo)好(hao)(hao)防(fang)范化(hua)(hua)解(jie)金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)工作(zuo)(zuo)(zuo)。加(jia)強風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)監測評估和(he)預警，加(jia)快不良資產處置，支持(chi)中小銀(yin)行多渠道補充資本，穩(wen)妥(tuo)化(hua)(hua)解(jie)中小金(jin)(jin)(jin)融(rong)(rong)機(ji)構(gou)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)，防(fang)范大(da)型企業債務風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)。保持(chi)房(fang)地產融(rong)(rong)資平穩(wen)有序，滿(man)足剛性和(he)改善性住(zhu)房(fang)需求，支持(chi)保交樓、穩(wen)民生(sheng)，推(tui)動(dong)建立房(fang)地產發展新模式。嚴厲(li)打擊非法金(jin)(jin)(jin)融(rong)(rong)活動(dong)，繼(ji)續做(zuo)好(hao)(hao)P2P網貸(dai)存(cun)量風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)處置等工作(zuo)(zuo)(zuo)。堅(jian)持(chi)市場化(hua)(hua)法治(zhi)化(hua)(hua)原(yuan)則(ze)，壓實(shi)金(jin)(jin)(jin)融(rong)(rong)機(ji)構(gou)及股東(dong)、金(jin)(jin)(jin)融(rong)(rong)管理部門和(he)地方政(zheng)府等各方責任，健全(quan)地方黨政(zheng)主要(yao)領導負責的重大(da)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)處置機(ji)制，發揮(hui)好(hao)(hao)存(cun)款保險(xian)(xian)(xian)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)處置操作(zuo)(zuo)(zuo)平臺作(zuo)(zuo)(zuo)用，夯實(shi)資源(yuan)保障(zhang)體系，形成(cheng)“好(hao)(hao)人得好(hao)(hao)報(bao)、壞人得壞報(bao)”的正(zheng)確預期，建立維護金(jin)(jin)(jin)融(rong)(rong)穩(wen)定的長效機(ji)制。對跨(kua)行業、跨(kua)區域和(he)跨(kua)境風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)，加(jia)強監管協同和(he)上下聯動(dong)，牢(lao)牢(lao)守住(zhu)不發生(sheng)系統性金(jin)(jin)(jin)融(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)的底線(xian)。
我們將(jiang)更加(jia)緊密(mi)團結在以(yi)(yi)習(xi)近平(ping)同志為核(he)心的黨中(zhong)央周圍(wei)，深(shen)入學習(xi)貫(guan)徹黨的二十(shi)大(da)精(jing)神，深(shen)刻領悟“兩個確(que)立(li)”的決(jue)定性意(yi)義，進(jin)一步(bu)增強(qiang)“四個意(yi)識”、堅(jian)定“四個自信”、做到“兩個維護”，不斷提高(gao)政治判斷力、政治領悟力、政治執行力，堅(jian)決(jue)貫(guan)徹黨中(zhong)央、國(guo)務院(yuan)決(jue)策(ce)部(bu)署，認真落(luo)實(shi)全國(guo)人大(da)常委會審議意(yi)見(jian)，擔當作(zuo)為、求(qiu)真務實(shi)，全面(mian)(mian)推進(jin)金融業高(gao)質量發展，為全面(mian)(mian)建成社會主義現代化(hua)強(qiang)國(guo)、實(shi)現第二個百年奮斗(dou)目標、以(yi)(yi)中(zhong)國(guo)式現代化(hua)全面(mian)(mian)推進(jin)中(zhong)華民族偉大(da)復(fu)興貢獻力量！