央行副行长陆磊最新发声！深刻理解完善金融机构定位和治理，健全服务实体经济的激励约束机制的内在要求

Core Viewpoint - The article emphasizes the importance of financial institutions serving the real economy, highlighting the need for improved governance and incentive mechanisms to enhance service quality and efficiency in financial support for economic development [1][2][3]. Group 1: Financial Institutions and Governance - Strong financial institutions are essential for building a financial powerhouse, with healthy governance and internal control systems being critical for effective service to the real economy [2][3]. - Current challenges include inadequate internal control and service levels that do not align with the development of the real economy, necessitating effective measures for improvement [2]. Group 2: Financial Risk Prevention - The interconnection between economic and financial risks necessitates a focus on improving financial institutions' governance and service incentives to prevent blind expansion and promote sound risk management [3]. Group 3: Financial System Development - The financial system has been evolving to meet the needs of economic and social development, with a focus on enhancing the quality of financial services [4][5]. - As of Q3 2024, China's financial institutions had total assets nearing 490 trillion yuan, with over 4,000 banking institutions, indicating a robust financial sector [5]. Group 4: Financial Support for Economic Growth - Financial institutions have been increasing their support for the real economy, with significant growth in loans to enterprises, particularly in manufacturing and small businesses [6]. - The focus on five key areas—technology finance, green finance, inclusive finance, pension finance, and digital finance—aims to enhance the sustainability and specialization of financial support [6][7]. Group 5: Policy and Implementation - The government is enhancing top-level design and systematic planning to support financing for technology-driven enterprises and green development [7][8]. - Structural monetary policy tools have been diversified to guide financial resources towards key economic sectors and initiatives [8][12]. Group 6: Financial Institution Reform - The reform of financial institutions is progressing, with a focus on enhancing their roles and responsibilities to better serve national strategies and local needs [10][11]. - Governance improvements are essential for achieving long-term stability and enhancing the quality of services provided to the real economy [11]. Group 7: Incentive and Supervision Mechanisms - Continuous adjustments to the structural monetary policy toolset are necessary to optimize credit structures and enhance financial services for key sectors [12]. - Strengthening supervision and establishing differentiated regulatory policies will help ensure that financial institutions remain aligned with their designated roles [12].