The meeting pointed out that we made every effort to implement the task requirements of "six stabilities" and "six guarantees" and provided solid financial support for the city's economic and social development, and achieved remarkable results, which was recognized by many parties and highlighted the industry's responsibility.
The meeting stressed that in 2020, the overall development of the city's banking and insurance industry will maintain a steady, progressive and positive trend. Considering that the long-term uncertainty of external environmental impact is still rising, some risk signs need further attention. Non-performing loans in the banking industry are generally on the rise, market risks begin to appear under the downward trend of interest rates, and the business competition of insurance institutions in small and medium-sized banks is intensified. It is urgent to find its own market position and accelerate the transformation. In addition, case risk, internet financial risk and market fluctuation under the new real estate regulations also need further attention.
The meeting demanded that we should continue to work hard to serve high-quality development. Take the initiative to master the list of major projects, key enterprises and important SPV information at the city, district and county levels, continue to innovate and develop supply chain finance and industrial chain finance, and support the city's key industrial clusters to become bigger and stronger. Continue to promote the coverage of intellectual property mortgage, commercial value credit and cultural value credit loans, and solve the problem of pledge of technology enterprises; Vigorously promote the development of science and technology insurance and patent insurance, deepen the first (set) of major technical equipment insurance and new material insurance compensation mechanism pilot, and help solve the problem of technology "sticking neck".
The meeting stressed that it is necessary to continue to strengthen the shortcomings of financial services. Continue to expand private small and micro enterprises, continue to carry out "100 million enterprises" activities, and further expand the coverage of "first loan". Continue to strengthen rural revitalization, sink financial resources, outlets, products, customers, and do a good job of organic integration with poverty alleviation. We will continue to expand new rural property rights financing such as pig mortgage and pig pen mortgage, and further improve the coverage and affordability of agricultural insurance, farm house insurance and farmers' small personal insurance. Explore the experience of developing Chongqing, the third pillar of old-age care, and promote the expansion of long-term insurance pilots. Give full play to the role of commercial insurance, and establish insurance protection systems such as accidental injury insurance, commercial medical insurance and serious illness supplementary insurance for low-income people, disabled people and other special groups. Focus on catastrophe insurance, safety liability insurance and other emergency support functions.
The meeting called for continued efforts to prevent and resolve financial risks. Continue to intensify the disposal of bad debts, give full play to the role of debt committees, improve the operational efficiency of debt committees, and resolutely crack down on debt evasion. Further implement the requirements of loan concentration in the real estate industry, and formulate pressure drop plans and transitional arrangements as soon as possible to avoid disposal risks. Continue to dismantle the shadow bank. All banking and insurance institutions shall strictly implement the relevant requirements, control the stock disposal plan, and ensure that the business fully meets the regulatory requirements. We will continue to strictly implement anti-counterfeiting and innovative arbitrage, and strengthen business isolation, management isolation and risk isolation to avoid mutual infection of risks. Resolutely put an end to the act of regulatory arbitrage or playing the edge ball under the guise of "innovation". Continue to standardize the cooperation between bank insurance institutions and various platform institutions, and strengthen the risk isolation between financial business and scientific and technological services.
The meeting pointed out that it is necessary to continuously improve the level of governance and management. Put the Party's leadership into practice. All banking insurance institutions should give full play to the political core role of party committees and do a good job in the organic integration of party committees and "three meetings and one layer" (shareholders' meeting, board of directors, board of supervisors and senior management). Establish a whole-process management system for related party transactions, effectively prevent problems such as the transfer of interests of invisible shareholders, proxy shareholders and concerted parties, and further strengthen the concept of compliance for all and compliance for all.