我省银行保险机构实现降本提质增效

Group 1 - The core viewpoint highlights the improvement in the banking and insurance sectors in Henan, with a significant reduction in cost-to-income ratios and the lowest comprehensive expense and cost rates in nearly a decade [1][2] - The financial regulatory authority in Henan has implemented a "1+2+N" collaborative governance model to enhance regulatory guidance and promote quality improvement and efficiency in the banking and insurance sectors [1][3] - A special action plan has been deployed to reduce costs and improve quality, focusing on asset-liability management, business cooperation, expense control, and marketing [2] Group 2 - The banking and insurance associations in Henan have strengthened self-regulation by implementing a dual constraint system of "negative lists and signed agreements," promoting orderly competition [2] - The regulatory focus includes addressing issues related to personal housing mortgages, auto financing, and insurance banking, with specific measures to eliminate improper commission practices [2] - The recent provincial meeting emphasized the importance of high-quality financial development, with ongoing efforts to enhance market order and support the real economy [3]