强化金融稳定保障体系 护航高质量发展新征程——《金融时报》访中国人民银行金融稳定局负责人

Core Insights - The People's Bank of China has achieved significant results in preventing and mitigating financial risks since the start of the 14th Five-Year Plan, ensuring the overall stability of the financial system and protecting the interests of depositors and small investors [1][2] Financial Stability Measures - The People's Bank of China has implemented a series of measures to strengthen the financial stability guarantee system, focusing on risk prevention and management, which is crucial for building a strong financial nation [2] - The approach includes precise handling of major financial risks, cleaning up shadow banking risks, and enhancing financial regulation and governance [2][3] Legislative and Institutional Developments - Significant progress has been made in financial stability legislation, with the draft Financial Stability Law under review by the National People's Congress [3] - The establishment of the Macro-Prudential and Financial Stability Committee aims to improve risk monitoring, assessment, and early warning systems [3] Deposit Insurance and Risk Management - The deposit insurance system has been operating smoothly since 2015, with a high protection level that covers over 99% of depositors with a compensation limit of 500,000 yuan [3] - The introduction of a risk-differentiated premium system encourages prudent management among financial institutions [3] Future Challenges and Strategies - The financial sector faces complex challenges, and the focus will be on reinforcing the financial stability guarantee system and expanding the sources of risk disposal funds [4][6] - The implementation of the "early identification, early warning, early exposure, and early disposal" strategy is crucial for effective risk management [5][6] Balancing Growth and Risk - The relationship between economic growth and financial risk is emphasized, with a need for a dynamic balance between economic development and risk prevention [7][8] - The central bank aims to enhance macro-prudential management and improve the toolkit for maintaining financial stability [8]