金融监管总局：中小机构减量提质成效明显

Core Viewpoint - The financial regulatory authority highlights significant achievements in the financial sector during the "14th Five-Year Plan" period, emphasizing reforms in rural credit cooperatives, urban commercial banks, and the overall quality development of joint-stock banks [1] Group 1: Financial Sector Reforms - The reform of rural credit cooperatives has progressed rapidly, with over half of the provinces establishing provincial-level legal entities [1] - The restructuring of urban commercial banks is being implemented in an orderly manner, contributing to the overall stability of the banking sector [1] - Joint-stock banks are experiencing high-quality development, indicating a focus on sustainable growth and improved operational efficiency [1] Group 2: Institutional Enhancements - There is a solid push for insurance and asset management institutions to return to their core functions, enhancing their role and positioning within the financial ecosystem [1] - The quality improvement and reduction of small and medium-sized financial institutions have shown significant results, with ongoing optimization of their operational layouts [1] Group 3: Regulatory Measures - The financial regulatory authority has intensified the merger and restructuring of small and medium-sized banks, aligning with the central government's directive to reduce quantity while improving quality [1] - The associated risks from these changes are deemed controllable, reflecting confidence in the regulatory framework and its implementation [1]