Yesterday, nebrass faucetws of the State Council does hold blowy meeting, silver-colored inspect chief answers related the branch such as meeting, Central Bank the reporter asks. New capital signs up for reporter Hou Shaoqing to photograph
New capital signs up for the month on dispatch afterwards 20 days, the State Council is standing conference head is carried " exploration creates civilian battalion bank " later, yesterday, reappearance of general office of the State Council " the directive opinion that upgrades about structural adjustment of financial support economy and transition " (next weighing " opinion " ) , put forward clearly, "Enlarge civilian capital to enter financial line of business " , "The attempt is initiated by civilian capital establish what take risk oneself the financial orgnaization such as the firm of civilian battalion bank, banking that rent and consumptive banking firm " .
" opinion " full text 4000 much words, include 10 big step, each measure all made clear specific and responsible government sector, be like " enlarge civilian capital to enter financial line of business " measure, it is namely " silver-colored inspect can take the lead, people bank, industrial and commercial total bureau, legal system does etc attend " .
The attempt creates civilian battalion bank by civilian capital
In recent years, the cry that allows to create civilian battalion watch case manufacturerbank is increasing. Civilian build central vice-chairman, economist Gu Sheng block and mark of Dong Wen of president of bank of the people's livelihood,the most popular watch cases ever offerred relevant proposal.
To this, " opinion " clear, "The attempt is initiated by civilian capital establish what take risk oneself the financial orgnaization such as the firm of civilian battalion bank, banking that rent and consumptive banking firm " ; "Allow to develop maturity, manage dovish bourg bank to be in lowest than the requirement inside, adjust advocate hair start on a journey and other shareholder oppose a scale " .
In the meantime, "Exploration optimizes banking to classify superintendency mechanism, managing to orgnaization of finance of different type banking difference is executed to turn admittance management on district and scope of business, build assess and evaluate a system accordingly, for hypostatic economy development is offerred wide enclothe, poor dissimilation, efficient finance serves " .
Yesterday, silver-colored inspect is met " opinion " release understanding to read a document, put forward among them, "Civilian capital enters financial line of business, to arousing social capital enters hypostatic economy, diversity of structure of equity of stimulative finance orgnaization, arouse vigor of financial orgnaization market to have important sense " .
Bourg bank holds a scale to be able to be adjusted
Less than inside two months, from the State Council standing conference arrives file of general office of the State Council, reiterate for two times " the attempt is initiated by civilian capital establish what take risk oneself the financial orgnaization such as the firm of civilian battalion bank, banking that rent and consumptive banking firm " . To this, liang Xiaomin of supervisor of specially invite of econharrison hot spring public poolomist, the State Council expresses, this means those who create civilian battalion bank " gate " will open.
In fact, the in making the commercial bank of national share-holding system that gives priority to initiator by civilian battalion capital countryman that held water 1996 gives birth to a bank, had picked the fascia of bank of first civilian battalion of countrywide, but up to now, inside countrywide limits also only bank of the people's livelihood.
After policy is unlocked, who takes the first civilian battalion bank " birth certificate " ?
Yesterday, guo Tianyong of research center director accepts job of professor of college of finance of university of central finance and economics, Bank of China when media is interviewed, express, "Be in this year policy level, can establish at least reach bank of two civilian battalion. Pass next pilot, balance examines the development of civilian battalion bank, for future doorsill of farther open banking provides policy basis. For future doorsill of farther open banking provides policy basis..
As we have learned, before this, a few areas already allowed civilian capital to enter financial field. For example lukewarm administrative division of division of test of reform of national level finance, allow civilian capital to establish small finance company; Those who accord with a condition is small finance company, can change make for bourg bank. From this, civilian capital gained the opportunity that enters financial field.
spring poolBut, according to the regulation that silver-colored inspect meets, bourg bank starts a bank hold a scale to restrict for 15% . Accordingly, although civilian capital entered financial field, but small finance company " promotharrison hot spring weather forecaste " after be bourg bank, civilian capital lost control power.
Liang Xiaomin says, " opinion " put forward, "Allow to develop maturity, manage dovish bourg bank to be in lowest than the requirement inside, adjust advocate hair start on a journey and other shareholder oppose a scale " . This was equivalent to solving problems of afore-mentioned control advantageous position.
■ unscramble
Taking risk oneself ifree watch cases the excessive outside the risk after preventing to fail
" opinion " clear, initiate the civilian battalion bank that create to need to take risk oneself by civilian capital. To this, silver-colored inspect can be unscrambled say in the file, emphasize civilian battalion bank wanting to take risk oneself, basically be to be on guard moral risk, prevent financial orgnaization to manage the excessive outside unsuccessful risk. "This accords with yield and risk to assume consistent market principle already, also avoid to exit a mechanism to return diseased circumstance to fall in financial orgnaization market, occurrence risk deals with vacuum, or evolution is become depend on national credit to offer recessive assure " .
Civilian battalion bank after all how be born? Unscramble a file to say, "About particular exploration way, can consider to be arranged through concerning a system, ensure advocate initiator has the capacity that assumes financial orgnaization to run unsuccessful risk, have classified government to the indebted business of orgnaization of this kind of finance at the same time, effectively cobrass faucet aerator ntrol risk n " .
■ link
" opinion " partial measure
1 guide, drive a focal point domain and industry transition and adjust
● is increased the advanced manufacturing industry that develops prospect to having the market, strategical burgeoning industry transform upgrade and the capital of the domain such as green environmental protection supports strength;
● is forbidden can serious to producing superfluous industry violates compasses construction project, those who offer any forms is new add award letter and direct financing.
Natural resources of 2 integrated finance supports small small company to develop
● continues to support the bank that accords with a condition to release small small company special finance debt;
The bad loan that ● raises to borrow money to small small company appropriately is patient degree;
● encourages local people government to build risk of credit of small smmodern dining chairsall company to compensate fund;
● urges local people government contributive establish or share financing sex assures company.
3 increase right " 3 farming " the credit of the domain supports strength
The bank that ● support accords with a condition is issued " 3 farming " special finance debt;
● encourages banking finance orgnaization to enlarge Lin Quan guaranty to borrow money, exploration is begun large and medium-sized land of Agricultural Machinery and Implement, country contracts right of administration and curtilage loan of base access mortgage is pilot.
4 further progress consume finance to promote consumption to upgrade
Family of active contented dweller lives ● first sets oneself the reasonable credit demand that buys the service such as a large amount of room, durable consumer goods, new-style consumable and education, travel to consume a domain.
5 farther play ensure action safely
● enlarges agriculture to be sure to cover range, quality of insurance of project of promotion food basket, fishery insurance, produce makes sure the new-style danger such as safe, farming room insurance is planted;
● pilot promotion is small credit assures to be sure.
6 rigor are on guard financial venture
● implements policy of estate adjusting control seriously, fulfil a difference to change housing credit policy, strengthen list to control government, prevent strictly control estate financing venture;
● prevents to collect money civilian financing, illegally, the risk such as international capital flow is infected to financial system permeate;
● drives financial orgnaization to perfect service price to manage a mechanism, rigid standard collects fees behavior, carry out strictly must not turn in order to borrow put, must not put borrow the regulation such as link up with.
■ heat response
Silver-colored inspect meets: Conduct financial transactions, fiducial blame " shadow bank "
The banking that near future of dispatch of new capital newspaper produces " Qian Huang " incident, make the problem that in last few years fault of the deadline in quickness dilate conduct financial transactions, fiducial product compounds the bank rises to surface agthe best selling watch casesain, is anxious. Yesterday, silver-colored inspect meets a chairman assistant Yang Jiacai reiterates again on the press conference, under the superintendency that the business such as fiducial, conduct financial transactions is in silver-colored inspect completely to meet, not agree with with the definition of shadow bank.
Yang Jiacai expresses, stabilize the definition of council according to finance, "Shadow bank " it is to show free superintends a system at finance besides, cause systematization risk likely or superintend the credit intermediary activity that covers interest, but the emission that grain property tastes square —— commercial bank is China suffers superintend the strictest finance orgnaization. The deadline fault that exists possibly in the light of product of conduct financial transactions matchs, the 3 gale danger such as changeover of leverage enlarge, credence, all relevant standard is controlled. And trust company whole nation has 68 only, all be orgnaization of the finance that hold a card, and silver-colored inspect also can execute net capital to its proportional superintendency method. "Wanted a canal to control a venture only, even if be to cry ' shadow bank ' , risk of systematization of impossible also generation " , yang Jiacai says.
It is reported, silver-colored inspect can not return product of will further normative manage money matters, make its hypostatic to receiving enterprise and project product, the value that lets the generation after product of conduct fthe most popular selling norton internet antivirusinancial transactions enters hypostatic economy covers risk of its cost zephyr, make hypostatic economy and investor come true double win.
Although national level unlocks the signal of control of civilian battalion bank very clear already, but in recent years, a few southern regions produce folk frequently leasehold " run road " incident, accordingly, the specific executive detailed rules of civilian battalion bank is made clear urgently. Answer to publish deposit insurance system as soon as possible for instance, once bank of a certain civilian battalion goes broke, close down, depositor interest can get be ensuringed effectively; Advance interest rate to commercialize reform quickly, let state-owned bank and civilian battalion bank compete in equal market environment.
Liang Xiaomin of supervisor of specially invite of —— economist, the State Council
This edition is interviewed and write / Shen Wei of Shu of king of reporter of new capital newspaper is green
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