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中銀保監:實施差別化住房信貸政策 穩妥化解房地產領域風險
內媒報道,中國銀保監會新聞發言人、法規部主任綦相表示,當局於今年以來全力支持穩住宏觀經濟大盤,着力防範化解金融風險,持續深化金融供給側結構性改革,推動銀行業保險業實現高質量發展。 其中,在持續加大風險防控力度方面,截至6月底,銀行業保險業總體運行穩健,風險抵禦能力持續增強,保險償付能力充足,有序推進高風險中小銀行和保險、信託機構風險處置。支持地方政府發行專項債補充中小銀行資本,拓寬資本補充渠道。繼續加大不良資產處置力度,上半年處置不良資產1.41萬億元人民幣(下同),按年多處置2,197億元。持續壓降高風險影子銀行業務,上半年委託貸款和信託貸款合計減少3,806億元。 同時堅持「房住不炒」定位,因城施策實施差別化住房信貸政策,支持剛性和改善性住房需求,穩妥化解房地產領域風險。密切監測實體經濟債務規模和償付能力變化,有效防控債務風險。初步統計,第二季末商業銀行撥備覆蓋率203.8%,資本充足率14.87%。目前,保險公司平均綜合償付能力充足率224.2%,保持較強的風險抵禦能力。 此外,在深化金融供給側結構性改革方面,繼續完善監管法律法規框架,健全風險防控長效機制,金融穩定保障基金基礎框架初步確立,首批646億元資金籌集到位。持續強化銀行保險機構公司治理,開展股權和關聯交易專項整治工作,分五次向社會公開124個違法違規股東。落實中小銀行兼併重組支持政策,鼓勵優質銀行機構等參與併購重組和區域整合。規範發展第三支柱養老保險,專屬商業養老保險試點區域擴大到全國,養老理財認購金額超600億元。強化金融科技賦能,推動銀行業保險業數碼化智能化轉型。
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