金融风险存在薄弱环节 《报告》指出，从7家商业银行审计情况看，金融风险正在有效缓解和管控，风险总体可控，但仍存在一些薄 弱环节。 记者查阅相关银行行政罚单，近两年有关"四证"不全的房地产项目的罚单并不少见。如金融监管总局网站2024 年4月披露，汉口银行因违规向四证不全的房地产项目提供融资，且部分资金用于偿还本行风险贷款等问题受 到当地监管部门的处罚。此外，同年10月份的罚单显示，九江银行因理财资金用于受让本行表外风险资产、 向"四证"不全的房地产项目提供融资，领到罚单。 此外，上述《报告》指出，有5 家银行对账户资金异常流动监管不力，11 家地方融资平台借机向公众集资 247.43亿元，主要用于偿还存量债务等，所承诺保底年化收益最高达12%，使债务风险向涉众领域外溢。 近日，审计署披露了《国务院关于2024年度中央预算执行和其他财政收支的审计工作报告》（下称《报 告》），指出部分接受审计的金融机构在金融风险方面存在薄弱环节，此外，还存在违规掩盖处置不良资 产，以及违规放贷揽储等问题。 具体如有6家银行2022年以来，违规向"四证"不全等房地产项目发放开发贷款等共计209.68亿元。有7家银行在 支持房地产中 ...

指尖非遗：珐琅工艺里的女性匠心美学 6月25日，中荷人寿山东省分公司举办"珐琅绘心 绽放她力量"蜜丝会掐丝珐琅画手工制作活动。活动特 邀非遗珐琅工艺传承人现场教学，将千年珐琅技艺与现代女性美学巧妙融合，带领嘉宾体验传统工艺魅 力。同时，本次活动恰逢"7.8全国保险公众宣传日"活动启幕，精彩的金融知识普及环节，也为活动注 入了保险文化温度。 知识护航：7.8 宣传日的创新实践 本次活动，恰逢7.8全国保险公众宣传日期间，中荷人寿山东省分公司将"防范金融风险""保险消费者权 益普及"等内容融入本次活动体验。宣传人员现场普及金融知识，并邀请蜜丝会嘉宾扫码浏览中荷人寿 金融知识云展厅。 中荷人寿蜜丝会作为行业内首个专注于女性自我成长的俱乐部，秉承为女性服务的理念，带领女性朋友 找到自己的生活节奏。未来，中荷人寿山东省分公司将为女性群体提供更多兼具艺术性与实用性的价值 体验，让更多的女性朋友在活动中收获知识，享受健康生活。 活动现场，珐琅工艺师以"金属丝为骨，矿物釉为魂"展开教学，从掐丝、点蓝到固色的每一个步骤，都 娓娓道来。嘉宾们手持镊子将细铜丝弯成花瓣轮廓，以釉料填绘出牡丹、祥云等传统纹样，在敲打、绘 画的工艺体验 ...

Group 1 - The core theme of the activities is "Protecting Customer Rights and Enjoying a Safe Life," aimed at enhancing financial literacy among consumers [1][9] - The activities include various offline events designed to educate different demographics, such as the elderly and children, about financial risks and fraud prevention [2][4][7] - The bank emphasizes the importance of community engagement and feedback, receiving high praise from participants for the effectiveness of the educational initiatives [2][5][9] Group 2 - Specific activities include lectures on preventing telecom fraud and identifying illegal financial products, particularly targeting the elderly population [2] - For children, the bank conducted financial education sessions that included lessons on recognizing currency and understanding online scams, fostering early financial awareness [4][5] - The bank collaborates with local law enforcement to provide real-world examples of fraud, enhancing the educational experience for corporate employees [7]

Core Viewpoint - The article emphasizes the importance of integrating political leadership and financial services to support the real economy and promote green development, aligning with the principles of socialism with Chinese characteristics [1][4]. Group 1: Political and Institutional Framework - The bank's leadership is focused on transforming political advantages into effective governance, addressing five weak links that hinder high-quality development [2]. - The establishment of a robust grassroots party organization is seen as essential for enhancing the internal motivation for financial business development [2][3]. - The bank is committed to implementing a comprehensive leadership approach to financial work, ensuring that all business activities align with the correct political direction [2][4]. Group 2: Innovation and Development Strategies - The bank has created a new service ecosystem by integrating policy supply, technological innovation, and organizational reform, focusing on data elements and technological advancements [5]. - A collaborative innovation platform has been established with government, enterprises, and academic institutions to facilitate customized financing solutions for technology-driven enterprises [5]. - The bank is actively developing a three-dimensional risk prevention system that combines technology, institutional innovation, and party leadership to enhance financial risk management [7]. Group 3: Green Finance Initiatives - The bank is positioning green finance as a strategic priority, developing a system that quantifies and tracks environmental benefits through innovative financial products [6]. - It aims to integrate environmental considerations into credit approval processes and establish a comprehensive green operation model across all branches [6]. - The bank is committed to creating a "capital model" for supporting green low-carbon development, aligning with national ecological civilization goals [6][7]. Group 4: Risk Management and Governance - The bank has implemented a "three-dimensional shield" system for risk prevention, utilizing blockchain and AI technologies to enhance risk identification and response capabilities [7]. - A "penetrating regulatory" mechanism has been established to embed party organization advantages into the governance framework, ensuring a unified approach to risk management [7]. - The bank has maintained a non-performing loan ratio below the industry average for five consecutive years, demonstrating effective risk control measures [7].

Group 1 - The audit report reveals that several financial institutions have engaged in irregular practices in the disposal of non-performing assets, with a total of over 50 billion yuan being concealed through various means [1][2] - The audit focused on two policy banks and three local small and medium-sized banks, which were found to have issues not only with non-performing assets but also in areas such as real estate financing and account supervision [1][2] - A total of 209.68 billion yuan in loans was improperly issued to real estate projects lacking complete documentation, while 247.43 billion yuan in public fundraising risks were identified [2][3] Group 2 - The report indicates that while financial risks are being effectively mitigated, there are still weak links, particularly in the issuance of loans to real estate projects without proper risk assessment [2][3] - Three major issues were highlighted: inaccurate reporting of data related to national strategy and the real economy, concealment of non-performing asset disposal, and significant irregularities in lending practices [3] - Specific cases include the failure of certain banks to classify 193.8 billion yuan in loans as non-performing despite borrowers being unable to repay, and the extension of repayment terms by local banks to hide 318 billion yuan in non-performing loans [3]

6月24日，国务院关于2024年度中央预算执行和其他财政收支的审计工作报告公布。从7家商业银行审计 情况看，金融风险正在有效缓解和管控，风险总体可控，但仍存在一些薄弱环节：6家银行2022年以 来，违规向"四证"不全等房地产项目发放开发贷款等共计209.68亿元。7家银行在支持房地产中长期转 方式中，未严格落实有关部门关于区分房企整体风险与房地产项目风险等要求，放款时仍将房企整体风 险作为评价单个项目授信的重要条件。5家银行对账户资金异常流动监管不力，11家地方融资平台借机 向公众集资247.43亿元，主要用于偿还存量债务等，所承诺保底年化收益最高达12%，使债务风险向涉 众领域外溢。(审计署网站) ...

"今天收到奔驰4S店的临时通知，金融优惠政策将在今晚11点后失效，如果今天不下单登记，就无法享 有此前的金融优惠政策。" 伴随近期多地监管部门叫停汽车金融"高息高返"业务，第一财经记者了解到，截至23日晚，多家4S店车 贷优惠政策已经或即将面临取消。 一家位于上海的奔驰经销商告诉第一财经，"高息高返目前已经停掉了，做不了了"；一家位于广州的奥 迪经销商则对记者说，"明天是最后一天，但只有一家银行可以选，其他银行都停完了"；而一家位于北 京的雷克萨斯经销商称，当前贷款购车优惠较为困难。 这也意味着，在近期多地监管部门叫停汽车金融"高息高返"业务后，该业务在各地的陆续退场也几乎接 近完成。 伴随着多家4S店取消汽车金融优惠价格，汽车终端价格即将迎来上涨。业内认为，由于大量购车消费 者选择在两年内提前还贷款，导致银行无法通过长期利息收益覆盖前期向车厂提供的补贴成本，甚至出 现了亏损情况。此外，监管部门为防范金融风险，加强对相关业务的管控，也是高息高返政策被叫停的 重要因素。 "今天收到奔驰4S店的临时通知，金融优惠政策将在今晚11点后失效，如果今天不下单登记，就无法享 有此前的金融优惠政策。"某广东地区一名消费者刘 ...

本报讯 （记者李立平）为进一步提升全区防范和打击非法金融活动工作队伍政策理论水平和业务能 力，强化工作质效，日前，宁夏全区防范和打击非法金融活动工作培训班成功举办。来自宁夏防非打非 领导小组各成员单位和宁夏各市、县（区）防非打非领导小组70余名相关负责人及业务骨干参加培训。 国家金融监管总局打非局一级巡视员付占胜出席开班仪式，宁夏回族自治区党委金融办常务副主任、金 融工委常务副书记王小成主持开班仪式并讲话。 本次培训采用现场教学与交流研讨相结合，聚焦防非打非重点工作设置了丰富、实用的课程体系。培训 内容涵盖防非打非政策解读、金融形势分析、私募基金风险管控以及重大金融突发事件舆论引导等主 题。邀请国家金融监管总局、中国基金业协会、宁夏回族自治区党校有关领导和专家，通过理论阐释与 案例分析相结合的方式提供全方位、多角度专业指导，使学员在提高政治站位、筑牢底线思维基础上， 对防非打非工作有了新的认识和思考。 （文章来源：证券日报） 参训学员普遍认为，此次培训内容翔实、紧贴实际，既有理论高度又有实践经验，具备很强的政策性、 针对性和可操作性。通过系统学习，深化了对防范和打击非法金融活动、防控金融风险的认识与理解， 提 ...

Core Viewpoint - The Financial Regulatory Bureau has revised the "Management Measures for Currency Brokerage Companies" to enhance supervision, standardize brokerage behavior, prevent financial risks, and promote high-quality development in the industry [1] Group 1: Regulatory Changes - The minimum registered capital requirement for currency brokerage companies has been increased from 20 million RMB to 100 million RMB [2] - The revised measures optimize the qualifications of investors and set stricter entry standards for small and medium-sized financial institutions [2] Group 2: Business Scope Adjustments - Currency brokerage companies are now allowed to provide brokerage services for transactions involving currency, bonds, foreign exchange, gold, and derivatives, while still prohibited from engaging in self-operated financial products [3] - The measures also permit brokerage companies to offer data services to recognized financial infrastructure operators and institutions [3] Group 3: Operational Standards - The revised measures emphasize the need for currency brokerage companies to confirm that financial institutions have obtained the necessary market access qualifications before providing brokerage services [4] - Enhanced management of the entire business process is mandated, including due diligence, service agreements, anonymous matching, transaction confirmations, and fee management [5] Group 4: Personnel Management - A dedicated chapter on "Broker Management" has been added, requiring currency brokerage companies to implement compliance training, incentive mechanisms, and supervision for brokers [6] - The measures outline fourteen prohibited activities for brokers to prevent damage to client rights and market order, such as providing services beyond their business scope and transmitting false trading information [6]

目 录 导 论 结 语 编写说明与致谢 导 论 一条道路的开拓，离不开漫长的积累和艰辛的探索。 金融是"国之大者"，关系中国式现代化建设全局。党的十八大以来，以习近平同志为核心的党中央 从战略全局出发，加强党对金融工作的集中统一领导和统筹谋划，推动金融事业发展取得新的重大成 就，逐步走出一条中国特色金融发展之路。习近平总书记对金融事业发展的重大理论和实践问题作出一 系列重要论述，构成了习近平经济思想的金融篇。 福建是习近平新时代中国特色社会主义思想的重要孕育地和实践地。在福建工作期间，习近平同志 基于中国社会主义初级阶段的基本国情、中国特色社会主义基本经济制度、改革开放初期国内外金融发 展状况，运用马克思主义基本原理，以广阔视野、前瞻思维和实事求是的态度，围绕如何走出一条符合 中国实际和时代要求的金融发展道路，进行了一系列深入探索与具体实践。 中国特色金融发展之路，既遵循现代金融发展的客观规律，更具有适合中国国情的鲜明特色，是一 条前无古人的创新之路。报告认为，这条道路以习近平新时代中国特色社会主义思想为指引，以政治性 筑牢发展根基，以人民性锚定价值坐标，并通过"两个结合"实现金融体系的制度创新与实践突破，为 ...