七部门：推动金融机构落实国家产业政策要求，强化信贷风险管理和资金用途监控，防范套取和挪用风险，助力防止“内卷式”竞争

Core Viewpoint - The joint issuance of guidelines by seven departments, including the People's Bank of China, aims to enhance financial support for new industrialization while managing credit risks and monitoring fund usage to prevent misuse and competition issues [1] Group 1: Risk Management and Monitoring - Establishment of a risk coordination and prevention mechanism to jointly assess and warn about industrial and financial risks [1] - Strengthening risk evaluation for major projects and key industries by relevant departments, ensuring timely sharing of high-risk project and enterprise information with financial management and institutions [1] - Emphasis on the importance of financial institutions adhering to national industrial policy requirements and enhancing credit risk management and fund usage monitoring [1] Group 2: Support for Manufacturing Sector - Strict implementation of manufacturing loan classification requirements to accurately reflect the risk situation of manufacturing loans [1] - Encouragement for banks to increase efforts in handling non-performing loans through restructuring, write-offs, and transfers in a lawful and compliant manner [1]