Core Viewpoint - The article highlights the significant achievements of China's financial sector during the "14th Five-Year Plan" period, emphasizing the deepening of financial reforms, enhancement of financial services to the real economy, and the ongoing efforts to mitigate financial risks while promoting high-quality development [6][10]. Financial System Reform - The financial system reform has been further deepened, with the establishment of the Central Financial Commission and the Central Financial Work Committee to strengthen the centralized leadership of the Party over financial work [6][7]. - The banking sector's total assets reached nearly 470 trillion yuan, ranking first in the world, while the stock and bond markets ranked second globally [6][7]. Financial Services to the Real Economy - Financial services to the real economy have significantly improved, with annual growth rates exceeding 20% for loans to technology-based SMEs, inclusive small and micro enterprises, and green loans during the "14th Five-Year Plan" [7][10]. - The banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy over the past five years [15]. Financial Industry Reform and Opening Up - The financial supply-side structural reform has been continuously promoted, with a focus on developing a multi-level financial market and optimizing the financial structure [9][10]. - The number of financial institutions has decreased from over 4,600 in 2019 to 4,295 by the end of 2024, indicating effective risk mitigation efforts [44]. Risk Prevention and Mitigation - Significant progress has been made in preventing and mitigating financial risks, with a focus on orderly handling of high-risk institutions and reducing the scale of high-risk assets [9][44]. - The overall health of the financial system has been maintained, with key regulatory indicators such as non-performing loans and capital adequacy remaining stable [15][16]. Capital Market Development - The capital market has seen substantial growth, with the total market value of A-shares surpassing 100 trillion yuan for the first time [21][22]. - The direct financing ratio has increased to 31.6%, reflecting a steady rise in the importance of direct financing in the economy [22]. Foreign Exchange Management - The foreign exchange market has operated steadily, with foreign exchange reserves remaining above 3 trillion USD, providing a strong stabilizing effect on the economy [29][30]. - The cross-border capital flow has remained balanced, with the international balance of payments showing resilience despite external pressures [29][30]. Future Outlook - The People's Bank of China aims to continue enhancing the financial system and supporting high-quality economic development in the "15th Five-Year Plan" period [10][40]. - The focus will be on building a more open, secure, and efficient foreign exchange management system to contribute to the modernization of China's economy [30][31].

9月22日，国务院新闻办公室举行"高质量完成'十四五'规划"系列主题新闻发布会，中国人民银行行长 潘功胜，金融监管总局局长李云泽，中国证监会主席吴清，中国人民银行副行长、国家外汇局局长朱鹤 新介绍"十四五"时期金融业发展成就，并答记者问。以下为要点汇总： // 中国人民银行行长潘功胜 // ①今天新闻发布会的主题是介绍"十四五"时期金融业发展成就，主要是从中长期视角回顾和总结"十四 五"，不涉及短期政策的调整。关于"十五五"及下一步金融改革内容，将在中央统一部署后与大家进一 步沟通。 ②十四五"以来，金融运行总体稳健，不良贷款、资本充足、偿付能力等主要监管指标稳中向好，均处 于健康区间。五年来，处置不良资产较"十三五"时期增加超过40%，行业抵御风险的资本和拨备总规模 超过50万亿元，应对各类挑战的基础更牢、韧性更强、底气更足。 ③十四五"时期，我们始终把防范化解金融风险作为监管部门的首位主责，把稳妥处置中小金融机构风 险作为重中之重。稳妥处置高风险机构。当前，不论是高风险机构数量还是高风险资产规模，都较峰值 大幅压降，在金融体系中占比较小，风险完全可控，相当一部分省份已经实现高风险中小机构动态清 零。 ④十 ...

潘功胜表示，往前看，中国人民银行将根据宏观经济运行的情况和形势变化，综合运用多种货币政策工具，保证流动性充裕，促进社会综合融资成本下降， 支持提振消费、扩大有效投资，巩固和增强经济回升向好态势，维护金融市场的稳定运行，保持人民币汇率在合理均衡水平上的基本稳定。 记者 辛圆 国务院新闻办公室周一举行"高质量完成'十四五'规划"系列主题新闻发布会，介绍"十四五"时期金融业发展成就。 谈及美联储降息25个基点，中国人民银行行长潘功胜表示，全球金融市场对美联储这次降息有充分预期，市场反应相对平稳。美元指数基本维持在97的区间 附近，国际资本市场总体上行，大宗商品市场振荡下行。我国的股、债、汇等主要金融市场也保持平稳运行。 对于下一步货币政策的考虑，潘功胜指出，在货币政策的确定上，中国人民银行在宏观层面的原则是非常清晰的，坚持以我为主，兼顾内外均衡。 "就当前中国的货币政策立场，我们多次与市场进行沟通，市场也是非常清楚的，当前中国的货币政策立场是支持性的，实施适度宽松的货币政策，这一政 策立场为我国经济的持续回升向好和金融市场的稳定运行创造了良好的货币金融环境。"他说。 四是全面加强金融监管，严厉打击金融腐败。潘功胜提 ...

Core Viewpoint - The People's Bank of China (PBOC) emphasizes the importance of maintaining financial stability and preventing systemic financial risks during the "14th Five-Year Plan" period, while also supporting the real economy [1][7]. Group 1: Financial Support and Risk Prevention - The PBOC aims to balance economic growth and risk prevention, recognizing that many economic issues manifest through financial channels and are interconnected with financial risks [3]. - Significant progress has been made in addressing key risk areas, including a reduction of over 60% in the number of financing platforms and a decrease of over 50% in financial debt scale compared to the beginning of 2023 [4]. Group 2: Financial Market Stability - The PBOC has maintained basic stability in the RMB exchange rate and has observed a low bond default rate, indicating a stable bond market [5]. - New monetary policy tools have been created to support capital market stability, including swap facilities and stock repurchase loans [5]. Group 3: Financial Stability Framework - The PBOC is advancing legislation related to financial stability and has established a financial stability guarantee fund to enhance risk monitoring and assessment [6]. - Key experiences include the importance of centralized leadership in financial work, a macro perspective on economic and financial risks, and the need for market-oriented risk resolution [6]. Group 4: Strengthening Financial Regulation - The PBOC is committed to enhancing financial regulation and combating financial corruption, emphasizing early identification and management of financial risks [7].

金融监管总局局长李云泽9月22日在国新办举行的"高质量完成'十四五'规划"系列主题新闻发布会上表 示，"十四五"期间，始终把防范化解金融风险作为监管部门的首位主责，把稳妥处置中小金融机构风险 作为重中之重。重点地区"一省一策"形成改革化险方案，综合采取兼并重组、在线修复、市场退出等多 种方式，有力有序推进实施。当前，不论是高风险机构数量还是高风险资产规模，都较峰值大幅压降， 在金融体系中占比都较小，风险完全可控。相当一部分省份已经实现高风险中小机构动态清零。 ...

此次活动不仅向居民普及了专业的保险金融知识，还增强了居民的金融风险防范意识与自我保护能力，获得了社 区居民的一致好评。人保寿险常德中心支公司相关负责人表示，未来将持续开展此类活动，不断丰富活动形式与 内容，切实将金融知识和防非反诈常识送到更多居民身边，为构建安全、健康、有序的金融生态环境贡献积极力 量。 活动当日，工作人员早早来到社区，通过摆放宣传展架、发放宣传折页以及设立咨询服务台等方式，营造浓厚的 宣传氛围。宣传折页涵盖了反洗钱、防范电信网络诈骗、防范非法集资、代理退保等核心金融知识，吸引了众多 居民纷纷驻足了解。 在活动现场，工作人员结合实际案例，用通俗易懂的语言为居民们详细讲解各类金融风险的特征、常见诈骗手法 以及防范措施。在反洗钱知识普及中，着重提示居民切勿出租、出借银行账户、银行卡和身份证件。讲解防范电 信诈骗时，向居民强调"三不一多"原则，即未知链接不点击、陌生来电不轻信、个人信息不透露、转账汇款多核 实。针对非法集资，清晰地阐述了其"高额回报""虚假项目""宣传造势"等典型特征，警示居民务必远离那些看似 诱人的"高收益、低风险"虚假承诺，选择正规渠道进行投资理财。工作人员还特别提醒居民要警惕" ...

活动现场，工作人员针对不同群体的需求，开展了精准化的知识普及。面向商圈商户，重点讲解了电信 诈骗的常见手段、非法集资的识别特征及危害，帮助商户筑牢资金安全"防护墙"；面向过往消费者，则 围绕理性消费观念、个人信息保护要点以及非法金融广告的识别方法等内容进行宣传，引导消费者树立 健康的金融消费理念。 为提升商圈商户及消费者的金融风险防范意识，9月18日，工银安盛人寿淄博中支积极响应2025年金融 教育宣传周活动号召，携手工商银行高新支行共同走进假日花园附近商圈，开展了一场"面对面"的金融 知识宣传活动。 此次"进商圈"宣传活动，通过贴近群众的互动形式，将金融知识送到了商户和消费者身边，有效提升了 大家的风险防范能力和自我保护意识。未来，工银安盛人寿淄博中支将持续联合合作银行，开展更多形 式多样的金融知识普及活动，切实履行金融机构的社会责任，为营造安全、健康的金融环境贡献力量。 ...

人民财讯9月22日电，9月22日，在介绍"十四五"时期金融业发展成就时，金融监管总局局长李云泽在国 新办新闻发布会上表示，"十四五"时期，我们始终把防范化解金融风险作为监管部门的首位主责，稳妥 处置高风险机构，在重点地区"一省一策"形成改革化解方案，综合采取兼并重组、在线修复、市场退出 等多种方式，有力有序推进实施。当前，不论是高风险机构数量还是高风险资产规模，都较峰值大幅压 降，在金融体系中占比较小，风险完全可控，相当一部分省份已经实现高风险中小机构动态清零。 ...

Core Viewpoint - The "2025 Financial Education Promotion Week" is actively being conducted with the theme "Safeguarding Financial Rights and Supporting a Better Life," aiming to enhance public financial literacy and prevent financial risks while promoting a unique Chinese financial culture [1]. Group 1: Company Initiatives - Baidu Life's Shandong branch has launched the "2025 Financial Education Promotion Week" across its institutions since September 15, focusing on diverse promotional methods to improve public financial literacy and consumer protection education [1]. - The Yantai branch of Baidu Life organized a financial knowledge promotion event at Yantai Business College on September 15, targeting university students to enhance their financial literacy and risk prevention awareness [3]. - The Zibo branch of Baidu Life held a financial education training meeting on September 17 to strengthen compliance awareness among employees and eliminate improper sales practices [8]. Group 2: Community Engagement - The Weifang branch of Baidu Life participated in a community event on September 17, distributing materials on preventing telecom fraud and illegal fundraising, receiving high recognition from community residents [11]. - The Jining branch created a strong atmosphere for the financial education promotion week at its business outlets, conducting training for sales personnel and engaging the public in financial knowledge dissemination activities on September 18 [12].

Group 1 - The core viewpoint of the articles is the collaboration between the Shaanxi Provincial High Court and the National Financial Supervision Administration to enhance the legal business environment and assist financially distressed enterprises through eight measures aimed at risk prevention and resolution [1][2] - The measures focus on establishing a mechanism for cooperation between execution work and financial regulation, which includes sharing information on large non-performing assets and creating a "firewall" against financial risks [1] - The initiative aims to support enterprises facing temporary difficulties by creating a ledger of distressed companies and implementing protective measures to minimize negative impacts on their operations [1] Group 2 - The measures will enhance the effectiveness of creditor committees in financial institutions, guiding the establishment of these committees for enterprises that meet certain criteria, ensuring tailored solutions for financing and operational stability [2] - Enterprises that fulfill legal obligations or reach execution settlements can apply for credit restoration, with the potential for timely removal of negative credit information upon court approval [2] - The initiative emphasizes a strict stance against debt evasion, with penalties for companies that misuse relief funds or hide assets, ensuring accountability in the financial ecosystem [2]