中小银行风险化解如何？金融监管总局：清退违法股东三千多个

Core Viewpoint - The financial regulatory authority emphasizes the importance of risk prevention and resolution in small and medium-sized banks during the "14th Five-Year Plan" period, highlighting significant achievements in mitigating financial risks and maintaining systemic stability [3][4]. Group 1: Risk Management - The regulatory authority has prioritized the prevention and resolution of financial risks, particularly focusing on small and medium-sized financial institutions [3]. - A tailored approach has been adopted for high-risk institutions, with strategies including mergers, restructuring, and market exits, leading to a significant reduction in both the number and scale of high-risk assets [3][4]. - Many provinces have achieved "dynamic zero" status for high-risk small and medium-sized institutions, indicating effective risk management [3]. Group 2: Reform and Transformation - The overall direction of reforms includes strengthening party leadership, improving corporate governance, and enhancing sustainable development capabilities [4]. - Over half of the provinces have established provincial-level legal entities for rural credit cooperatives, and orderly reforms for city commercial banks are underway [4]. - The reduction and quality improvement of small and medium-sized financial institutions have been notable, with ongoing efforts to consolidate and restructure these banks [4]. Group 3: Addressing Financial Irregularities - A crackdown on financial irregularities has been initiated, targeting major shareholder manipulation and illegal profit transfers through related transactions [4]. - More than 3,600 illegal shareholders have been removed, and several unlawful financial groups have been dealt with according to the law [4]. - The regulatory authority is focused on preventing excessive financial abstraction and ensuring that financial resources are directed towards the real economy [4]. Group 4: Support for Real Estate and Local Debt - The regulatory authority is actively working to stabilize the real estate market and mitigate local debt risks, providing over 1.6 trillion yuan in funding support for key housing projects [4][5]. - Annual growth of 52% in loans for rental housing has been reported, indicating a strong commitment to supporting housing needs [4]. - A coordination mechanism for urban real estate financing has been established, with over 7 trillion yuan in loans supporting the construction and delivery of nearly 20 million housing units [4].