General Secretary Xi Jinping pointed out that "the fundamental purpose of financial services for the real economy".

To do a good job in science and technology finance, green finance, inclusive finance, pension finance, and digital finance is an important focus of financial services for high-quality development of the real economy.

Zhu Hexin, Vice President of the People's Bank of China and Director of the State Administration of Foreign Exchange, said that with the approval of the central government, the People's Bank of China has established a credit market department to take the lead in promoting the work of "five major articles", and this year will increase support from the policy framework, incentives and constraints, financial service capacity building and other aspects.

Strengthen top-level design and system planning. Since last year, the People's Bank of China, together with relevant departments, has issued the Action Plan for Strengthening Support to Financing of Scientific and Technological Enterprises, the Guiding Opinions on Further Strengthening Financial Support to Green and Low Carbon Development and other policies, and the State Administration of Financial Supervision and Administration has issued the Notice on Promoting the Development of Exclusive Commercial Endowment Insurance and other matters to implement these policies in detail, We will promote a more sound system design and a stronger policy framework for the "five major articles".

Perfect the supporting incentive and constraint tools. The People's Bank of China will further play its role as a structural monetary policy tool, make good use of the newly established 500 billion yuan of scientific and technological innovation and technological transformation refinancing, relax the recognition criteria for inclusive small and micro loans to no more than 20 million yuan for a single credit, promote the improvement of the financial statistical indicator system in related fields, and study and improve the financial service evaluation mechanism in key fields such as science and technology finance and digital finance.

Strengthen the service capacity building of financial institutions. The People's Bank of China will further encourage financial institutions to use information means such as the Internet and big data to enhance their ability to serve science and technology, green, small and medium-sized enterprises, improve the adaptability and inclusiveness of financial services, and actively promote regional financial innovation and reform pilots in science and technology, green and other areas.

"Adhere to the fundamental purpose of financial services for the real economy, actively support the expansion of effective demand and effective investment, and ensure the financing needs of major projects and livelihood projects. Expand and enrich financial instruments to meet the multi-level and diversified financial needs of the general public," said Xiao Yuanqi, deputy director of the General Administration of Financial Supervision.

This year, the General Administration of Financial Supervision will promote more financial resources to promote scientific and technological innovation and develop new quality productivity; Promote the banking and insurance industry to increase financial support for green development; Establish and improve the comprehensive system covering inclusive financial basic services, inclusive credit and inclusive insurance; We will continue to deepen the reform of commercial pension finance and promote bancassurance institutions to help the high-quality development of the silver economy; Guide banks and insurance institutions to increase investment in scientific and technological elements, constantly enrich digital financial products, and provide high-quality services for economic and social development.

People's Daily (May 24, 2024, Version 1)

Concerned public account: People's Daily Finance

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