文/夏宾 时隔约1年时间，中国金融管理部门"掌门人"再度聚首。 22日，中国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，介绍"十四五"时期 金融业发展成就。中国央行行长潘功胜、国家金融监督管理总局局长李云泽、中国证监会主席吴清以及 中国央行副行长、国家外汇管理局局长朱鹤新同台发声。 相比去年"924"发布会时对外宣布的一揽子增量政策，潘功胜在此次发布会上表示："今天新闻发布会不 涉及短期政策的调整。关于'十五五'及下一步金融改革内容，我们将在中央统一部署后与大家进一步沟 通。" 尽管不谈短期政策调整，但随着一系列数据在发布会上释放，依旧传递出巨大的信息量。 中国金融业拿下两个世界第一 中国央行行长潘功胜介绍，"十四五"期间，中国金融事业取得新的重大成就。截至今年6月末，中国银 行业总资产近470万亿元，位居世界第一；股票、债券市场规模位居世界第二；外汇储备规模连续20年 位居世界第一。同时，中国在绿色金融、普惠金融、数字金融等方面走在世界前列，基本建成多渠道、 广覆盖、安全高效的人民币跨境支付清算网络，移动支付处于国际领先水平。 他还提到，5年来，银行业保险业通过信贷、债券、股权等多种 ...

Core Insights - The "14th Five-Year Plan" period has seen significant achievements in China's financial sector, with total banking assets reaching nearly 470 trillion yuan, ranking first in the world [1][3] - The scale of China's stock and bond markets ranks second globally, while foreign exchange reserves have maintained the top position for 20 consecutive years [3] - The growth rates for loans to technology SMEs, inclusive finance for small businesses, and green loans have averaged over 20% annually during this period [3] Group 1: Banking Sector Performance - As of mid-2023, total assets in the banking and insurance sectors have exceeded 500 trillion yuan, with an average annual growth rate of 9% over the past five years [4] - The number of Chinese banks in the global top 100 has reached 143, with six of the top ten banks being Chinese [4] - Key regulatory indicators such as non-performing loans, capital adequacy, and solvency are all within a "healthy range," with a 40% increase in the disposal of non-performing assets compared to the previous five-year period [4] Group 2: Financial Support for the Real Economy - The financial sector has provided an additional 170 trillion yuan in funding to the real economy over the past five years through various means including credit, bonds, and equity [5][6] - Specific loan categories such as scientific and technological loans, medium to long-term loans for manufacturing, and infrastructure loans have seen average annual growth rates of 27.2%, 21.7%, and 10.1% respectively [6] - The balance of loans for inclusive small and micro enterprises has reached 36 trillion yuan, which is 2.3 times that of the end of the previous five-year period, with interest rates decreasing by 2 percentage points [6] - The insurance sector has made cumulative payouts of 9 trillion yuan, reflecting a 61.7% increase compared to the previous five-year period [6]

Core Insights - During the "14th Five-Year Plan" period, China's financial sector has achieved significant milestones, including total banking assets nearing 470 trillion yuan, ranking first globally, and maintaining the world's largest foreign exchange reserves for 20 consecutive years [1][2] Financial System Reform - The Chinese government has implemented a series of transformative reforms in financial leadership and regulatory systems, establishing the Central Financial Committee and the Central Financial Work Committee to enhance centralized leadership [2] - A modern financial system is being constructed to promote high-quality development in the financial sector [2] Financial Services to the Real Economy - The People's Bank of China has adopted a supportive monetary policy stance, leading to the formation of a modern monetary policy framework that effectively supports the main goals of economic and social development during the "14th Five-Year Plan" [2] - Financial support for technology-driven small and medium-sized enterprises, inclusive micro and small loans, and green loans has seen an annual growth rate exceeding 20% [2] Financial Industry Reform and Opening Up - Continuous promotion of supply-side structural reforms in finance, deepening institutional reforms, and developing multi-tiered financial markets are key focuses [2] - The financial sector is experiencing a steady push for high-level bilateral opening up, enhancing the level of institutional openness and increasing participation in international financial governance [2] Risk Prevention and Mitigation - The People's Bank of China has effectively addressed several prominent risk points in the financial sector, safeguarding the interests of depositors and small investors [3] - The overall financial system remains stable, with healthy financial institutions and smooth market operations [3] Lessons Learned - The achievements of the past five years in China's financial sector provide valuable lessons that should be consistently applied, emphasizing the importance of serving the real economy and preventing financial risks [3]

时隔近一年，金融管理部门"一把手"再次出席同场新闻发布会。 9月22日下午3时，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。 发布会上，金融管理部门"一把手"在答记者问中释放了不少重磅信息，发布会要点梳理如下。 央行行长潘功胜： 今日发布会不涉及短期政策调整 我国银行业总资产位居世界第一 潘功胜介绍，"十四五"期间，我国金融事业取得新的重大成就。 截至今年6月末，我国银行业总资产近470万亿元，位居世界第一；股票、债券市场规模位居世界第二；外汇储备规模连续20年位居世界第一。同 时，我国在绿色金融、普惠金融、数字金融等方面走在世界前列，基本建成多渠道、广覆盖、安全高效的人民币跨境支付清算网络，移动支付处于国 际领先水平。 "十四五"期间科技型中小企业贷款年均增速超20% 潘功胜介绍，"十四五"期间，我国金融服务实体经济质效大幅提升，科技型中小企业贷款、普惠小微贷款、绿色贷款年均增速均超过20%。 今日发布会主要介绍"十四五"时期金融 ...

Core Insights - The People's Bank of China Governor Pan Gongsheng highlighted significant achievements in China's financial sector during the "14th Five-Year Plan" period, emphasizing the country's leading position in various financial metrics [1] Group 1: Financial Sector Achievements - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first in the world [1] - China's stock and bond market sizes are ranked second globally [1] - The country has maintained the world's largest foreign exchange reserves for 20 consecutive years [1] Group 2: Innovations in Financial Services - China is at the forefront of green finance, inclusive finance, and digital finance [1] - A comprehensive, multi-channel, widely accessible, secure, and efficient cross-border payment and clearing network for the renminbi has been established [1] - Mobile payment systems in China are recognized as being internationally leading [1]

三是金融业改革开放持续推进。持续推动金融供给侧结构性改革，深化金融机构改革，发展多层次金融 市场，优化金融结构。稳步推动金融业高水平双向开放，提升制度型开放水平，在国际金融治理合作中 的参与度、影响力、话语权显著提高。 四是防范化解金融风险取得重要成果。按照中央部署，有序处置金融领域一批突出风险点，有效防范化 解外部风险对我国金融市场的外溢和冲击，有力保护广大储户、中小投资者利益。目前我国金融体系总 体稳健，金融机构整体健康，金融市场运行平稳。 "建设金融强国需要长期努力，久久为功。人民银行将继续贯彻落实好中央决策部署，高标准谋划'十五 五'金融事业发展，为推进中国式现代化贡献更多金融力量。"潘功胜说。 "今年是'十四五'规划的收官之年。五年来，面对复杂多变的国内外形势，我国金融事业取得新的重大 成就。"中国人民银行行长潘功胜9月22日在国新办新闻发布会上说。 具体来看，金融体制改革全面深化，顶层设计更加完善，我国金融治理体系和治理能力现代化迈上新台 阶；种类齐全、竞争充分的金融机构、市场、产品体系更加健全，金融服务的质量、效率、普惠性大幅 提升；重点领域金融风险有序化解，守住了不发生系统性金融风险的底线；金 ...

我国银行业总资产位居世界第一 潘功胜介绍，"十四五"期间，我国金融事业取得新的重大成就。 截至今年6月末，我国银行业总资产近470万亿元，位居世界第一；股票、债券市场规模位居世界第二； 外汇储备规模连续20年位居世界第一。同时，我国在绿色金融、普惠金融、数字金融等方面走在世界前 列，基本建成多渠道、广覆盖、安全高效的人民币跨境支付清算网络，移动支付处于国际领先水平。 "十四五"期间科技型中小企业贷款年均增速超20% 时隔近一年，金融管理部门"一把手"再次出席同场新闻发布会。 9月22日下午3时，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。 发布会上，金融管理部门"一把手"在答记者问中释放了不少重磅信息，发布会要点梳理如下。 央行行长潘功胜：今日发布会不涉及短期政策调整 潘功胜介绍，"十四五"期间，我国金融服务实体经济质效大幅提升，科技型中小企业贷款、普惠小微贷 款、绿色贷款年均增速均超过20%。 今日发布会主要介绍"十四五"时期金 ...

Core Insights - The press conference highlighted significant achievements in China's financial sector during the "14th Five-Year Plan" period, emphasizing the growth and stability of the banking and insurance industries [3][8][9]. Group 1: Financial Sector Achievements - As of June 2023, China's banking sector total assets reached nearly 470 trillion yuan, ranking first globally, with stock and bond market sizes second in the world [3]. - The banking and insurance sectors provided an additional 17 trillion yuan in funding to the real economy over the past five years, with average annual growth rates for loans to technology SMEs, inclusive small loans, and green loans exceeding 20% [4][8]. - The total assets of the banking and insurance sectors surpassed 500 trillion yuan, with an average growth rate of nearly 9% over the past five years [9]. Group 2: Regulatory Developments - The China Securities Regulatory Commission (CSRC) issued 2,214 administrative penalties during the "14th Five-Year Plan," with fines totaling 41.4 billion yuan, reflecting a 58% increase in penalties compared to the previous five-year period [17]. - The CSRC has enhanced market transparency and ecological integrity through strict enforcement actions, including the transfer of over 700 cases to law enforcement agencies [18]. Group 3: Market Resilience and Investor Engagement - The A-share market has shown increased resilience and risk management capabilities, with the annualized volatility of the Shanghai Composite Index at 15.9%, a decrease of 2.8 percentage points from the previous five-year period [15]. - Over the past five years, listed companies in China distributed a total of 1.06 trillion yuan in dividends and share buybacks, an increase of over 80% compared to the previous five-year period [12]. - The proportion of technology companies in the A-share market has risen, with their market capitalization now accounting for over one-fourth of the total [13]. Group 4: Foreign Exchange and International Investment - China's foreign exchange reserves have remained stable above 3 trillion USD since the beginning of the "14th Five-Year Plan," with recent figures exceeding 3.2 trillion USD [20]. - As of July 2023, foreign institutions and individuals held over 10 trillion yuan in domestic stocks, bonds, and deposits, indicating a robust international investment landscape [21].

时隔近一年，金融管理部门"一把手"再次出席同场新闻发布会。 9月22日下午3时，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。 潘功胜回应美联储降息 潘功胜回应美联储降息时说， 中国货币政策坚持以为我主、兼顾内外平衡 ，往后看，我们将 根据宏观经济运行情况和形势变化，综合应用多种货币政策工具保证流动性充裕。 发布会上，金融管理部门"一把手"在答记者问中释放了不少重磅信息，发布会要点梳理如下。 央行行长潘功 胜： 今日发布会不涉及短期政策调整 我国银行业总资产位居世界第一 潘功胜介绍，"十四五"期间，我国金融事业取得新的重大成就。 截至今年6月末， 我国银行业总资产近470万亿元，位居世界第一 ；股票、债券市场规模位居 世界第二；外汇储备规模连续20年位居世界第一。同时，我国在绿色金融、普惠金融、数字金 融等方面走在世界前列，基本建成多渠道、广覆盖、安全高效的人民币跨境支付清算网络，移 动支付处于国际领先水平。 "十四五"期间科技型中 ...

Group 1: Financial Achievements During the 14th Five-Year Plan - The average annual growth rate of loans to technology-based small and medium-sized enterprises, inclusive of inclusive micro-loans and green loans, exceeded 20% during the 14th Five-Year Plan [1][2] - As of June, China's banking sector total assets reached nearly 470 trillion yuan, ranking first in the world, with stock and bond market sizes ranking second globally [2] - The banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy over the past five years, with average growth rates for technology loans, medium to long-term loans in manufacturing, and infrastructure loans at 27.2%, 21.7%, and 10.1% respectively [5] Group 2: Market Developments and Trends - The A-share technology sector now accounts for over 25% of the market capitalization, significantly higher than that of the financial and real estate sectors [7] - The annualized volatility of the Shanghai Composite Index during the 14th Five-Year Plan was 15.9%, a decrease of 2.8 percentage points compared to the previous five-year period [8] - By the end of August, various types of long-term funds held approximately 21.4 trillion yuan of A-share circulating market value, representing a 32% increase from the end of the previous five-year period [10] Group 3: Regulatory and Governance Enhancements - A total of 2,214 administrative penalties were issued during the 14th Five-Year Plan, marking a 58% increase compared to the previous five-year period, with fines totaling 41.4 billion yuan [9] - The financial governance system has been modernized, with significant improvements in regulatory capabilities and risk prevention in the context of expanding foreign exchange openness [12] Group 4: Foreign Exchange and International Standing - Since the beginning of the 14th Five-Year Plan, foreign exchange reserves have remained stable above 3 trillion USD, with the last two years maintaining levels above 3.2 trillion USD [11] - The financial sector has made significant strides in international competitiveness and influence, with a well-established cross-border payment and clearing network for the renminbi [2]