Home Ā» The banking and insurance industry continues to consolidate its ability to serve the real economy in the first 11 months of 2021. New bank loans are mainly invested in manufacturing, infrastructure construction and other fields_Support_Foreign Trade_Enterprise

The banking and insurance industry continues to consolidate its ability to serve the real economy in the first 11 months of 2021. New bank loans are mainly invested in manufacturing, infrastructure construction and other fields_Support_Foreign Trade_Enterprise

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Original title: Banking and insurance industry’s ability to serve the real economy continues to strengthen

CCB News, Beijing, January 6 (Reporter Xia Qing) According to a report by the Voice of Economy of China Central Radio and Television “Tianxia Finance”, the China Banking and Insurance Regulatory Commission held a regular press conference on the 6th, at which the bank announced the first 11 months of 2021. Operational data of the insurance industry. Data show that in the first 11 months, the banking and insurance industry’s ability to serve the real economy continued to consolidate, and the main risk indicators were within a reasonable range. At the press conference, the Export-Import Bank of China, China Construction Bank and China Everbright Bank introduced the specific situation of serving the real economy.

The data released at the meeting showed that in the first 11 months of 2021, 19.2 trillion yuan of new loans will be invested mainly in manufacturing, infrastructure construction and other fields. By the end of November, the balance of loans to inclusive small and micro enterprises was 18.7 trillion yuan, an increase of 24.1% year-on-year, and the amount of risk protection provided by the insurance industry increased by 34.6% year-on-year.

Zhang Zhongning, deputy director of the General Office of the China Banking and Insurance Regulatory Commission, emphasized that the policy of housing housing and non-speculation should be resolutely implemented. “At the end of November, real estate loans increased by 8.4% year-on-year, and the overall stability remained stable. The reasonable housing needs of home buyers were further satisfied. More than 90% of personal housing loans were used to support first mortgage housing. Financial support for the long-term rental housing market and the construction of affordable housing The growth rate of loans invested in the housing leasing market is close to five times the average growth rate of various loans.”

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In terms of implementing financial services to the real economy, each bank can be said to have their own strengths.

Aiming at the key areas and weak links of economic and social development, China Construction Bank adjusted and optimized its credit structure, strengthened differentiated support measures and guarantee mechanisms, and while leveraging its traditional advantages to support infrastructure construction, it also provided support for manufacturing, strategic emerging industries, and high-tech industries. We will increase support in key areas such as the Beijing-Tianjin-Hebei region, the Yangtze River Delta, and the Guangdong-Hong Kong-Macao Greater Bay Area.

Among them, in terms of service support for “specialized, special and new” enterprises, China Construction Bank President Wang Jiang said that they are constantly innovating financial service solutions. “We are cooperating with the Ministry of Industry and Information Technology and the State Intellectual Property Office to build and promote a’technical enterprise innovation capability evaluation system’, and realize the’creditization’ of intellectual property in the financial field through big data technology, so as to solve the’difficult evaluation and financing difficulties’ of small and medium-sized technology enterprises. problem.”

In 2021, stabilizing foreign trade is one of the priorities of the annual economic work. In order to fully help companies guarantee orders, guarantee performance, and guarantee the market, the Export-Import Bank of China allocates more credit funds to stabilize foreign trade. Innovate financial products and services, strengthen the connection with new formats and models of foreign trade, and launch credit products such as foreign trade clusters and trade promotion platform construction loans, forming a new situation of “points, lines, and areas” supporting foreign trade in an all-round way.

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Wu Fulin, President of the Export-Import Bank of China, introduced that in order to support foreign trade small and micro enterprises, they innovatively launched an “e-commerce loan” business plan. “In response to the rapid development of small and micro enterprises in the new foreign trade business fields such as cross-border e-commerce, the policy-based financial low-cost funds are effectively irrigated to the upstream small and micro enterprises of the cross-border e-commerce, and the small and micro enterprises in the foreign trade industry chain are improved. Enterprise support. The innovative launch of small and micro foreign trade enterprise risk-sharing on-lending has effectively solved the financing difficulties of foreign trade small and micro enterprises, and opened up a new path for policy finance to support foreign trade small and micro enterprises.”

In order to support the green transformation and upgrading of the economy, China Everbright Bank supports the development of green finance, actively contributes to the implementation of carbon peak and carbon neutral targets, further tilts its credit business to low-carbon industries, and continuously enriches green financial products. Not only that, they are also actively participating in the revitalization of the countryside and making continuous efforts in the field of people’s livelihood.

Everbright Bank President Fu Wanjun said that the aging population poses new challenges to banking services, and more convenient measures must be taken to help the elderly keep up with the pace of intelligent and digital development. “In response to the problems of elderly customers with reduced vision and inaccurate touch-screen control, we have fully optimized the font size, contrast, and click area of ā€‹ā€‹high-frequency function pages such as account query, transfer and remittance, and more in line with the usage habits of elderly customers; configuration intelligence The voice service function enables accurate semantic recognition of elderly customers. The elderly only need to easily “shake” to turn on the intelligent voice service without manual operation.”

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Editor: Yang Xuanxuan

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