国务院报告：金融机构经营和监管指标保持在合理区间

Core Insights - The report presented by the Governor of the People's Bank of China highlights the stability and resilience of the financial sector, with key indicators remaining within reasonable ranges, and emphasizes the importance of financial support for the real economy [1][5][8]. Financial Sector Performance - As of September 2025, total assets of financial institutions exceeded 520 trillion yuan, with commercial banks' capital adequacy ratio at 15.36% and non-performing loan ratio at 1.52% [1][8]. - Insurance companies reported a comprehensive solvency adequacy ratio of 186%, while securities and futures companies had average risk coverage ratios of 295% and 226%, respectively, significantly above regulatory standards [1][8]. Financial Support for the Real Economy - From November 2024 to September 2025, 98 companies in the A-share market raised 91.8 billion yuan through initial public offerings, with 86% being private enterprises and 92% in strategic emerging industries [1][9]. - The report outlines the establishment of a policy framework for technology finance, green finance, inclusive finance, pension finance, and digital finance, aimed at enhancing financial services in key areas [1][9]. Loan Growth in Key Sectors - Loans in technology, green, inclusive, pension, and digital economy sectors grew by 11.8%, 22.9%, 11.2%, 58.2%, and 12.9% year-on-year, respectively, all exceeding the overall loan growth rate [2][9]. Monetary Policy and Economic Environment - The report indicates a commitment to implementing a moderately loose monetary policy to support economic recovery, with social financing scale and money supply growth aligned with economic growth and price level expectations [2][14]. Financial Reform and Opening Up - The financial sector is undergoing continuous reform, with significant capital injections into state-owned banks and the development of a multi-tiered financial market [10][11]. - The report emphasizes the importance of cross-border payment systems and the internationalization of the renminbi, with the currency becoming a major player in global trade financing [11][12]. Risk Management and Regulatory Measures - The report outlines efforts to mitigate risks in small and medium-sized financial institutions and emphasizes the importance of regulatory compliance and consumer protection [12][13]. - A comprehensive framework for monitoring and managing financial risks has been established, with a focus on preventing systemic financial risks [12][17].