"十四五"时期，是我国金融风险防范化解历程中极不平凡的五年。央行数据显示，截至2025年6月末， 我国参加存款保险的金融机构有3554家，相比2020年末的4025家少了470多家。此外，随着新一轮省联 社改革加速推进，2022年以来已有10地组建了新的省级农信机构。 数量减少、整合加速是近年来我国中小银行改革化险的一个显性结果，也成为金融风险防范化解的重要 缩影。 "十四五"规划提出实施金融安全战略。回顾来看，从房地产、地方债务、中小银行等重点领域风险及外 部冲击化解，到金融稳定保障体系建设，过去五年间，我国构建起了更加坚实的对内对外金融"防火 墙"。 展望"十五五"，上海金融与发展实验室首席专家、主任曾刚对第一财经表示，我国金融风险防范与化解 面临新环境、新挑战，需要在存量风险化解与增量风险应对并重的基础上，不断完善内外双循环下的化 险资源体系和外部风险应急预案，持续提升金融体系韧性。 机构改革化险路径探索更加深入 近年来，我国在遏制宏观杠杆率过快上升势头、处置高风险企业集团和高风险金融机构、压降影子银行 风险等领域加速加力，防范化解金融风险持续深入，稳健的金融体系底盘得以不断夯实。 招联首席研究员、上海 ...

Core Viewpoint - The People's Bank of China (PBOC) is committed to implementing a moderately loose monetary policy to support economic recovery and high-quality development, while addressing financial risks and enhancing financial services [4][8]. Group 1: Monetary Policy and Economic Support - The PBOC has adopted a series of monetary policy measures, including lowering the reserve requirement ratio and interest rates, to ensure ample liquidity and reduce financing costs [4][8]. - As of June, loans for technology, green projects, inclusive small and micro enterprises, the elderly care industry, and the digital economy grew by 12.5%, 25.5%, 12.3%, 43%, and 11.5% year-on-year, respectively [4]. Group 2: Financial Risk Management - The PBOC has made significant progress in mitigating financial risks associated with local government financing platforms and has established a macro-prudential and financial stability committee [5]. - The PBOC is focused on improving the management of real estate finance and supporting the construction of a new development model in the real estate sector [5]. Group 3: Financial Market Reforms and International Cooperation - The PBOC is advancing the construction of the Cross-Border Interbank Payment System (CIPS) and enhancing the internationalization of the Renminbi [5][10]. - The PBOC is actively participating in global financial governance and international monetary cooperation, including reforms in the International Monetary Fund [10]. Group 4: Internal Governance and Party Discipline - The PBOC emphasizes the importance of strict party discipline and internal governance, implementing mechanisms for oversight and accountability [7][11]. - Continuous efforts are being made to enhance the quality of internal management and to ensure compliance with the central government's regulations [11].

Core Viewpoint - The meeting between Chen Gang, the Secretary of the Guangxi Zhuang Autonomous Region, and Li Yunzhe, the Director of the National Financial Supervision Administration, emphasizes Guangxi's strategic role as a financial gateway to ASEAN, highlighting the region's economic development and the commitment to enhance financial services to support the real economy [1]. Group 1 - Guangxi is recognized as a "bridgehead" for China's open cooperation with ASEAN, showcasing its significant geographical advantages and strategic national policies [1]. - The National Financial Supervision Administration aims to support Guangxi in building a high-level financial open portal towards ASEAN, focusing on optimizing financial services from banking and insurance institutions [1]. - There is a strong emphasis on preventing and mitigating financial risks in key areas while contributing to Guangxi's high-quality development through enhanced financial support [1].

习近平总书记多次强调金融和实体经济的关系，指出"金融要把为实体经 济服务作为出发点和落脚点" "金融是实体经济的血脉，为实体经济服务是 金融的天职"。党的二十届三中全会对深化金融体制改革作出一系列系统 性部署，提出"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"的要求。深化金融体制改革，必须建立健全分工协作的金融机构体 系，坚持把金融服务实体经济作为根本宗旨，全力提升服务质效，以金融 高质量发展助力中国式现代化。 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 建设金融强国的必然要求。 强大的金融机构是建设金融强国的六大关键核心金融要素之一，完善金融 机构定位和治理是建设强大的金融机构的关键步骤。习近平总书记指出，金融机构健康既包括资产负债 表健康，也包括公司治理、内控体系、复杂金融产品交易清算以及重要金融基础设施健康。如果金融机 构处于病态，就很难为实体经济服务好。当前我国金融机构总体运行稳健，但在内控管理、服务水平等 方面还存在与实体经济发展不适应的问题，需要抓紧采取有效措施解决。 经济和金融高质量发展的必然要求。 完善金融机构定位和治理是提升我国金融机构服务质效的关 ...