Preventing and resolving financial risks, especially preventing systemic financial risks, is the fundamental task of financial work and the eternal theme of financial work. We will earnestly study and implement General Secretary Xi Jinping's important statement on financial work, adhere to the centralized and unified leadership of the CPC Central Committee over financial work, resolutely shoulder the political mission and regulatory responsibility of preventing and controlling financial risks, anchor the goal of building a financial power, unswervingly follow the path of financial development with Chinese characteristics, and use high-quality financial development to help build a strong country and revitalize the nation.
1、 Deeply understand the significance of preventing and resolving financial risks
Preventing and resolving financial risks is related to the long-term stability of the country. Financial security is an important part of national security and an important foundation for stable and healthy economic development. Maintaining financial security is a strategic and fundamental event that concerns the overall situation of China's economic and social development. It is of great responsibility, and there is no room for negligence. We must fully understand the extreme importance of preventing and defusing financial risks, take the maintenance of financial security as a major task of governance, and do a solid job in financial work.
Preventing and defusing financial risks is related to the overall situation of Chinese style modernization. Finance is the lifeblood of the national economy and an important tool for resource allocation and macro-control. Financial activity, economic activity; Financial stability and economic stability. In today's world, finance is the only place for big countries to compete. Once a country has systemic risks, the modernization process is often delayed or even interrupted. We must strengthen the financial sense of serving the country, provide higher quality and more efficient financial services for the development of the real economy, and promote the virtuous circle of economy and finance.
Preventing and defusing financial risks concerns the vital interests of the people. In the final analysis, the financial cause led by our Party should benefit the people. In practice, major financial risks may cause damage to social wealth, interruption of financial services, and directly harm the vital interests of the people. We must always focus on the people, practice the political and popular nature of financial work with practical actions, resolutely safeguard the legitimate rights and interests of financial consumers, and let the masses better share the fruits of financial development.
2、 Firmly hold the bottom line of avoiding systematic financial risks
Under the strong leadership of the Party Central Committee with Comrade Xi Jinping at the core, China's battle to prevent and defuse financial risks has achieved important phased results, effectively safeguarding economic and social stability and people's property security. At present, financial risks are generally controllable, but there are still many hidden risks. China has the political advantage of centralized and unified leadership by the Central Committee of the Party, and the institutional advantage of concentrating on major events. The basic trend of China's long-term economic growth has not changed. This is the biggest confidence, the strongest support and the most powerful guarantee for us to prevent and control financial risks. We will take the prevention of systemic financial risks as the top priority, grasp the relationship between power and responsibility, speed and stability, prevention and elimination, and properly respond to various risks and challenges under the premise of stabilizing the overall situation.
We will accelerate risk management of small and medium-sized financial institutions. At present, large financial institutions, as the basic foundation of China's financial security, are generally sound, and risks are mainly concentrated in small and medium-sized financial institutions. We must step up efforts to promote the reform of small and medium-sized financial institutions into insurance, improve corporate governance of financial institutions, strictly prevent insider control and operation by large shareholders, and strictly prevent interest transmission and illegal related party transactions. Grasp the timeliness and efficiency, carry out the work in a planned and step-by-step manner, and promote the formulation of risk disposal plans based on "one province, one policy", "one bank, one policy", and "one company, one policy". Take multiple measures to enrich risk disposal resources such as industry guarantee funds.
We will strengthen the prevention and control of financial risks in key areas. At present, financial risks, real estate risks and local debt risks are intertwined and closely linked, and the risks are especially hidden, sudden and infectious. We must adapt to the new situation in which the relationship between supply and demand in the real estate market has undergone major changes, promote the active and steady resolution of real estate risks, and provide effective financial support for accelerating the construction of a new model of real estate development. Cooperate with the establishment of a government debt management mechanism that is compatible with high-quality development, and make overall efforts to improve debt and development. We will crack down on illegal financial activities and strictly prohibit "driving without a license" and "violating regulations with a license". We should firmly grasp the changes in the international situation and the dynamics of the international financial market, and properly respond to the risks of external shocks.
Solve the deep-seated contradictions of financial risks through reform. Financial security depends on the system, vitality depends on the market, and order depends on the rule of law. To solve the risks and problems that affect and restrict the development of the financial industry, it is necessary to deepen reform. With the increasing complexity and openness of the financial system, we must deepen financial reform and innovation, speed up the improvement of the financial rule of law, optimize the financing structure, improve the institutional positioning, and further promote the digital transformation of finance. We will focus on institutional opening to promote high-level financial opening up and enhance the transparency, stability and predictability of the opening policy.
Take serving the real economy as the fundamental measure to prevent and control risks. Finance and the real economy are symbiotic and prosperous. Once finance deviates from the right track of serving the real economy, it will become a water without a source and a tree without roots. We must adhere to the idea of the economy and finance playing a game of chess, strictly prevent from being divorced from reality and self circulation, truly concentrate financial resources on the strategic direction, key areas and weak links of high-quality development, take the development of new quality productivity as the key focus of financial support, do a good job in "five major articles", and improve economic and financial adaptability.
3、 Firmly shoulder the political responsibility of strong supervision and strict supervision
General Secretary Xi Jinping stressed that finance is the area most in need of supervision, and the financial supervision system and capacity should adapt to the development requirements of China's financial system. We will comprehensively strengthen financial supervision, strengthen supervision and strict supervision with the courage of scraping bone and curing poison, promote and improve the regulatory system of "horizontal to the edge, vertical to the end", and continue to enhance the foresight, accuracy, effectiveness and synergy of supervision.
Comprehensively strengthen the "five major regulations" and promote the improvement of risk prevention and control with a scientific regulatory framework. With the increasing complexity of the financial system, the systematic relevance of financial risks has been greatly enhanced. On the basis of lessons learned, we must take the reform of the financial management system as an opportunity to further improve the financial regulatory framework, comprehensively strengthen institutional supervision, behavioral supervision, functional supervision, penetrating supervision, and continuous supervision, strengthen the application of regulatory technology, create a "thousand mile eye" and "ear" for supervision, and enhance the ability to actively prevent and control risks.
We will resolutely ensure that supervision is "long and thorny" and has edges and corners, and crack the "loose and soft" financial supervision with a strict main tone. Strong supervision and strict supervision is a clear political requirement of the CPC Central Committee for financial supervision, and "long teeth with thorns" is an important benchmark to test strong supervision and strict supervision. We must strictly enforce the law, dare to show our swords, increase inspection and administrative punishment, strengthen the linkage between supervision and examination, the link between execution and punishment, and the link between discipline and law, crack down on financial market chaos with a zero tolerance attitude, significantly increase the cost of violations, and effectively enhance the deterrent and effectiveness of supervision.
Accelerate the improvement of regulatory coordination mechanism, and help eliminate regulatory gaps and blind spots with "full coverage and no exceptions". We must promote and improve the regulatory system of "horizontal to the edge, vertical to the end", tighten the chain of responsibility, optimize the division of labor and cooperation, and build a financial regulatory safety net. With regard to illegal financial activities, the State Administration of Financial Supervision has taken the lead in establishing a regulatory responsibility claim mechanism and a bottom-up regulatory mechanism, adhering to the principle of "managing legality rather than illegality" and "managing industry must manage risk". Strengthen the coordination of central and local supervision, adhere to the principle of sharing responsibility, answering questions and making efforts in the same direction, and form joint efforts to prevent and control financial risks. We will vigorously promote the financial culture with Chinese characteristics and constantly consolidate the soft power that supports high-quality financial development.
Deeply promote the comprehensive and strict governance of the Party, and firmly win the long-term battle against financial corruption in the spirit of self revolution. Whether the Party building is done well or not is related to the cohesion and combat effectiveness of the financial system and determines the success or failure of the financial cause. We must give better play to the role of comprehensively and strictly governing the Party as a political guide and political guarantee for financial supervision, always put the political construction of the Party in the first place, carry out in-depth education on Party discipline, adhere to the principle of "cutting edge inward", promote "three non corruption" in an integrated way, resolutely investigate and deal with corruption behind various financial risks, and focus on the investigation and treatment of "relying on supervision to feed on supervision", "government business revolving door" "Escape resignation" and other behaviors.
The State Administration of Financial Supervision will firmly support the "two establishment" and "two maintenance", consciously maintain a high degree of consistency with the Party Central Committee with Comrade Xi Jinping at the core in ideology, politics and action, vigorously implement the construction project of "new institutions, new styles, new images", comprehensively strengthen financial supervision, and form strong supervision An iron wall against risk.
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