聚焦中央经济工作会议 | 深入推进中小金融机构减量提质

Core Viewpoint - The central economic work conference emphasizes the need to "deeply promote the reduction and quality improvement of small and medium-sized financial institutions" as a clear task for the upcoming economic and financial work in the next year [1][2]. Group 1: Risk Management and Institutional Reform - Risk prevention remains a fundamental theme in financial work, with a focus on the prudent handling of risks associated with small and medium-sized financial institutions [1]. - As of June this year, the number of banking financial institutions in China has decreased to 4,070, down by 225 from the end of 2024 and by 534 from the end of the 13th Five-Year Plan, primarily affecting small and medium-sized banks [1]. - The number of high-risk institutions and the scale of high-risk assets have significantly decreased from their peak, with a manageable proportion within the financial system, and many provinces have achieved "dynamic zero" for high-risk small and medium-sized institutions [1]. Group 2: Development and Governance - Recent reforms in small and medium-sized financial institutions focus on improving corporate governance and enhancing sustainable development capabilities [2]. - The reform of rural credit cooperatives is progressing steadily, with over half of the provinces establishing provincial-level legal entities; urban commercial banks are undergoing orderly restructuring, and the high-quality development of joint-stock banks is being solidified [2]. - The next steps involve firmly fulfilling the primary responsibility for risk prevention, focusing on resolving existing risks, and ensuring that new risks do not arise, while consolidating and expanding the achievements of reform and risk management [2].