21世纪经济报道记者张欣 对于企业和普通民众而言，最关心的莫过于2026年的钱袋子会不会更"宽松"、金融服务能不能更贴心？ 12月12日，中国人民银行（以下简称"央行"）的一场关键会议给出了明确信号。这场会议不仅迅速传递了中央经济工作会议的 核心精神，更敲定了明年货币金融工作的"主基调"——适度宽松政策将持续发力，为经济高质量发展保驾护航。 当日，央行党委书记、行长潘功胜主持召开党委会议，传达学习中央经济工作会议精神，落实全国金融系统工作会议要求，研 究部署贯彻落实举措。 会议强调，做好明年央行工作，要全面贯彻党的二十大和二十届历次全会精神，认真贯彻中央经济工作会议精神，按照全国金 融系统工作会议工作部署，坚持稳中求进工作总基调，完整准确全面贯彻新发展理念，继续实施适度宽松的货币政策，发挥存 量政策和增量政策集成效应，加大逆周期和跨周期调节力度，着力扩大内需、优化供给，做优增量、盘活存量，为经济稳定增 长、高质量发展和金融市场稳定运行营造良好的货币金融环境。 值得注意的是，央行的工作部署与同日召开的全国金融系统工作会议精神高度契合。中共中央政治局委员、中央金融委员会办 公室主任何立峰在全国金融系统工作会议上强 ...

北京商报讯（记者 廖蒙）据人民银行官网消息，12月12日，中国人民银行党委书记、行长潘功胜主持 召开党委会议，传达学习中央经济工作会议精神，落实全国金融系统工作会议要求，研究部署贯彻落实 举措。中国人民银行各党委成员出席会议。 会议强调，继续实施适度宽松的货币政策，加快推进金融供给侧结构性改革。把促进经济稳定增长、物 价合理回升作为货币政策的重要考量，灵活高效运用降准降息等多种货币政策工具，把握好政策实施的 力度、节奏和时机，保持流动性充裕，促进社会综合融资成本低位运行，加强对实体经济的金融支持。 畅通货币政策传导机制，优化结构性货币政策工具运用，加强与财政政策的协同，激励和引导金融机构 加力支持扩大内需、科技创新、中小微企业等重点领域。保持人民币汇率在合理均衡水平上的基本稳 定。 ...

Core Viewpoint - The People's Bank of China emphasizes the continuation of a moderately loose monetary policy and the acceleration of financial supply-side structural reforms to stabilize economic growth and ensure reasonable price recovery [2] Group 1: Monetary Policy - The meeting highlights the importance of using various monetary policy tools such as reserve requirement ratio (RRR) cuts and interest rate reductions flexibly and efficiently [2] - It stresses maintaining ample liquidity and promoting low financing costs for the economy [2] - The central bank aims to enhance financial support for the real economy, particularly in key areas like expanding domestic demand, technological innovation, and support for small and micro enterprises [2] Group 2: Financial Stability - The meeting calls for the prevention and resolution of financial risks in key areas to maintain financial stability [2] - It emphasizes the need to improve the central banking system and build a strong central bank [2] - The central bank is tasked with ensuring the basic stability of the RMB exchange rate at a reasonable and balanced level [2] Group 3: Coordination with Fiscal Policy - There is a focus on optimizing the use of structural monetary policy tools and enhancing coordination with fiscal policy [2] - The goal is to incentivize and guide financial institutions to support key sectors effectively [2]

（原标题：刚刚！央行、金融监管总局，重磅发声！） 中国人民银行党委召开会议 传达学习中央经济工作会议精神 12月12日，中国人民银行党委书记、行长潘功胜主持召开党委会议，传达学习中央经济工作会议精神， 落实全国金融系统工作会议要求，研究部署贯彻落实举措。中国人民银行各党委成员出席会议。 会议要求，要认真做好岁末年初各项工作。密切跟踪监测，维护金融市场平稳运行。认真做好支付清 算、现金供应等中央银行金融服务工作，满足人民群众金融需求。牢牢守住安全生产底线，确保金融基 础设施安全稳定运行。 会议强调，中国人民银行系统要坚定拥护"两个确立"，坚决做到"两个维护"，加强党对金融工作的全面 领导，积极谋划明年和未来五年各项工作，推动金融高质量发展，为"十五五"开好局、起好步贡献力 量。 会议强调，做好明年中国人民银行工作，要以习近平新时代中国特色社会主义思想为指导，全面贯彻党 的二十大和二十届历次全会精神，认真贯彻中央经济工作会议精神，按照全国金融系统工作会议工作部 署，坚持稳中求进工作总基调，完整准确全面贯彻新发展理念，继续实施适度宽松的货币政策，发挥存 量政策和增量政策集成效应，加大逆周期和跨周期调节力度，着力扩大 ...

中国人民银行消息，12月12日，中国人民银行党委书记、行长潘功胜主持召开党委会议，传达学习中央经济工作会议精神，落实全国金融系统工作会议要 求，研究部署贯彻落实举措。 | | 文章来源:沟通交流 | 2025-12-12 20:25:03 | | --- | --- | --- | | 字号 大 中 少 | | | 图片来源：中国人民银行 做好房地产金融宏观审慎管理 会议强调，继续实施适度宽松的货币政策，加快推进金融供给侧结构性改革。把促进经济稳定增长、物价合理回升作为货币政策的重要考量，灵活高效运 用降准降息等多种货币政策工具，把握好政策实施的力度、节奏和时机，保持流动性充裕，促进社会综合融资成本低位运行，加强对实体经济的金融支 持。 要 点 速 览 继续实施适度宽松的货币政策 发挥存量政策和增量政策集成效应 加强货币政策执行和传导 灵活高效运用降准降息等多种货币政策工具 促进社会综合融资成本低位运行 优化结构性货币政策工具运用 保持人民币汇率在合理均衡水平上的基本稳定 坚定维护金融市场平稳运行 稳步发展数字人民币 会议强调，做好明年中国人民银行工作，要全面贯彻党的二十大和二十届历次全会精神，认真贯彻中央经 ...

据央行网站消息， 12月12日，中国人民银行党委书记、行长潘功胜主持召开党委会议，传达学习中央经济工作会议精神，落实全国金融系 统工作会议要求，研究部署贯彻落实举措。中国人民银行各党委成员出席会议。 五是稳步推进金融高水平开放，维护国家金融安全。 践行全球治理倡议，积极参与和推进全球金融治理改革完善。务实开展金融外交和多 双边货币金融合作。推进人民币国际化。持续建设和发展多渠道、广覆盖的人民币跨境支付体系。稳步发展数字人民币。 会议要求， 要认真做好岁末年初各项工作。密切跟踪监测，维护金融市场平稳运行。认真做好支付清算、现金供应等中央银行金融服务工 作，满足人民群众金融需求。牢牢守住安全生产底线，确保金融基础设施安全稳定运行。 会议强调， 中国人民银行系统要坚定拥护"两个确立"，坚决做到"两个维护"，加强党对金融工作的全面领导，积极谋划明年和未来五年各 项工作，推动金融高质量发展，为"十五五"开好局、起好步贡献力量。 会议认为 ， 习近平总书记在中央经济工作会议上的重要讲话，全面总结一年来和过去5年经济工作，深化提出做好经济工作的规律性认 识，深刻分析当前我国经济运行面临的国际国内形势，系统部署明年经济工作的 ...

Core Viewpoint - The meeting led by the Governor of the People's Bank of China emphasized the importance of implementing the central economic work conference's spirit and aligning with the national financial system's requirements to ensure effective macroeconomic management and financial governance [1][2][6]. Group 1: Economic Performance and Policy Direction - The meeting highlighted that despite external pressures and internal challenges, China's economy has made significant progress, achieving major social and economic development goals, marking a successful conclusion to the 14th Five-Year Plan [2][8]. - The meeting underscored the need for the People's Bank of China to guide its work by Xi Jinping's thoughts, fully implement the spirit of the 20th National Congress, and adhere to a stable yet progressive work approach [2][8]. Group 2: Monetary Policy and Financial Stability - The meeting called for the continuation of a moderately loose monetary policy, focusing on stabilizing economic growth and ensuring reasonable price recovery as key considerations for monetary policy [4][10]. - It was emphasized to enhance financial support for the real economy, particularly in areas like expanding domestic demand, technological innovation, and support for small and micro enterprises [4][10]. - The meeting also stressed the importance of preventing and mitigating financial risks, maintaining financial stability, and ensuring a balanced approach to economic growth and financial risk prevention [4][11]. Group 3: Institutional and Structural Reforms - The meeting outlined the need to strengthen the central bank's institutional framework, improve the monetary policy system, and enhance the execution and transmission of monetary policies [3][9]. - It was noted that a comprehensive macro-prudential management system and mechanisms for systemic financial risk prevention should be established to ensure a resilient financial market [3][9]. Group 4: International Cooperation and Financial Openness - The meeting highlighted the importance of advancing high-level financial openness and maintaining national financial security, including promoting the internationalization of the Renminbi and developing a robust cross-border payment system [5][11]. - It was also mentioned that the People's Bank of China should actively participate in global financial governance reforms and enhance bilateral and multilateral financial cooperation [5][11].

Core Viewpoint - The article emphasizes the importance of the People's Bank of China (PBOC) in implementing monetary policy and financial management to support economic stability and growth in the coming year, guided by the principles outlined in the Central Economic Work Conference and the Party's leadership [1][2][6]. Group 1: Economic Context and Achievements - The PBOC acknowledges the challenges faced over the past year, including increased external pressures and internal difficulties, but highlights that the economy has managed to progress and achieve its main development goals, marking a successful conclusion to the 14th Five-Year Plan [2]. - The achievements reflect the strategic wisdom and decision-making capabilities of the Party leadership under Xi Jinping, demonstrating effective governance in navigating complex economic conditions [2]. Group 2: Policy Directions for the Coming Year - The PBOC plans to implement a moderately accommodative monetary policy, focusing on stabilizing economic growth and ensuring reasonable price recovery, while maintaining ample liquidity in the financial system [4]. - Key tasks include enhancing financial support for the real economy, particularly in areas such as expanding domestic demand, technological innovation, and support for small and micro enterprises [4]. Group 3: Financial Stability and Risk Management - The PBOC aims to prevent and mitigate financial risks, ensuring a balance between economic growth, structural adjustments, and financial stability, which is crucial for high-quality economic development [5]. - Strengthening the monitoring, assessment, and early warning systems for financial risks is a priority, alongside maintaining the stability of financial markets and addressing the debt risks of financing platforms [5]. Group 4: Financial Openness and International Cooperation - The PBOC is committed to advancing high-level financial openness and maintaining national financial security, engaging in global financial governance reforms, and promoting the internationalization of the Renminbi [5]. - Efforts will also focus on developing a comprehensive cross-border payment system for the Renminbi and steadily advancing the digital currency initiative [5].

Core Viewpoint - The recent "14th Five-Year" planning proposals emphasize the role of finance in supporting the high-quality development of the real economy, with a focus on enhancing direct financing and strengthening financial risk prevention [1][2]. Group 1: Common Strategies - Various regions are prioritizing the development of financial "five major articles" and increasing the proportion of direct financing as core strategies to address economic challenges [1][2]. - The common goal across regions is to enhance resource allocation efficiency and improve total factor productivity through financial tools [1][3]. Group 2: Regional Focus - Different regions are tailoring their financial strategies based on local advantages and development positioning, creating a distinctive pattern of "common focus on the real economy, unique alignment with local development" [1][3]. - For instance, Guizhou's proposal emphasizes deepening financial reforms and innovating in technology finance, green finance, and digital finance to support key sectors [2][3]. Group 3: Financial Tools and Their Impact - Financial tools are seen as crucial for addressing issues of capital misallocation and insufficient supply, with a focus on activating idle assets and enhancing funding flows [3][4]. - The use of diverse financial instruments, such as credit, bonds, and equity financing, is essential for meeting the financing needs of different industries at various stages of development [5][6]. Group 4: Sustainable Financial Circulation - The integration of "activating stock" and "incremental investment" through financial tools creates a sustainable cycle that enhances resource allocation efficiency [6]. - The continuous development and precise application of financial tools are expected to play a pivotal role in improving economic quality and efficiency during the "14th Five-Year" period [6].

华中担保公司于2025年9月成功获批，随后相继获得大公国际、中证鹏元、东方金诚等3家权威评级机构授予的AAA主体信用等 级，成为武汉本土首家获最高评级的担保机构。 武汉金控集团相关负责人介绍，华中担保正从单一增信服务商向类金融综合服务平台全面升级，在十五五期间，将构建以融资 担保为主干，协同融资租赁、商业保理为两翼，小贷、典当为补充，形成"一主两副两辅"产品矩阵，力争到2030年担保规模突 破600亿元。 21世纪经济报道记者吴文汐 武汉报道 "担保行业是现代金融体系的重要环节，具有增信、分险、保障、杠杆等功能，是有效破 解中小微企业和'三农'领域融资难、融资贵的重要抓手。"在12月10日举行的华中（武汉）融资担保股份有限公司（下称"华中担 保"）品牌发布会上，湖北省委金融办相关负责人介绍，近年来，全省融资担保行业发展稳中向好，行业在保余额达到2646.5亿 元，在引导金融活水精准灌溉实体经济方面发挥了重要的桥梁和纽带作用。 发布会上，华中担保首度公开亮相，根据规划，该公司将充分发挥融资担保的增信、分险、赋能作用，服务省市重大战略部 署，对接"十五五"规划目标，支持武汉"五个中心"建设。 会上，华中担保与中投 ...