21世纪经济报道记者 边万莉 11月22日，为凝聚行业智慧、探寻发展新路径，由南方财经全媒体集团指 导、21世纪经济报道主办的"第二十届21世纪金融年会"在北京盛大召开。 （原标题：中银协副秘书长杨江英：穿越经济周期，实现银行业高质量发展） 在上午的主论坛上，中国银行业协会党委委员、副秘书长杨江英发表主旨演讲表示，银行业实现高质量 发展不能一蹴而就，穿越周期的长期主义者，必须要先"稳中求进"，再"以进促稳"。应坚持"五要五 不"原则，着力提升经济金融适配性，投资于物与投资于人并重，专注主业、完善治理、错位发展，共 同构筑多元有序、健康持续的金融生态。 杨江英表示，"十四五"以来，在党中央坚强领导下，我国经济社会取得新的重大成就，预计2025年达到 140万亿元左右，较"十三五"末增长近40万亿元。金融业增加值占GDP比重稳定在7.3%左右，高质量发 展实现新跨越，综合实力更加雄厚，截至2025年三季度末，银行业总资产474万亿元，规模位居世界第 一。 会持续健康发展。做好"五篇大文章"，健全与科技创新相适应的科技金融体系，强化全周期综合金融服 务；创新绿色金融产品和服务，积极支持重点行业和领域节能、减污、降碳 ...

Core Viewpoint - During the "14th Five-Year Plan" period, China's financial industry has achieved significant accomplishments centered around serving the real economy, deepening reform and opening up, and preventing financial risks, laying a solid foundation for becoming a financial powerhouse [1] Group 1: Financial Industry Development - The banking sector has shifted from merely pursuing rapid asset and liability growth to focusing on capital returns, asset quality, and operational efficiency, with non-interest income increasing from 21.04% to 25.75% from 2020 to 2025 [2] - The total assets of China's banking industry grew from 312.67 trillion yuan at the end of 2020 to 459.04 trillion yuan by July 2025, maintaining the largest scale globally [2] Group 2: Differentiated Operations - China's banking industry is characterized by a large number of institutions, with 143 Chinese banks listed among the top 1000 globally by tier-one capital, and 6 out of the top 10 being Chinese banks [3] - Large commercial banks focus on comprehensive and international services, while regional banks like city commercial banks and rural commercial banks concentrate on local services and small enterprises [3] Group 3: Financial Opening and Risk Prevention - By the end of 2023, 888 foreign banking institutions from 52 countries had established operations in China, with 43 of the world's top 50 banks having a presence in the country [4] - The banking sector has effectively managed financial risks through reforms and restructuring of smaller financial institutions, increasing the total capital and provisions for risk management to over 50 trillion yuan [4] Group 4: High-Quality Financial Services - The balance of loans from financial institutions increased from 178.4 trillion yuan at the end of 2020 to 273.02 trillion yuan by August 2025, indicating a strong growth in loan issuance [5] - The average interest rate on RMB loans decreased from 5.03% in December 2020 to 3.29% in June 2025, resulting in a total benefit to the real economy exceeding 5 trillion yuan from 2021 to 2024 [6] Group 5: Future Outlook - The banking industry is expected to continue its transformation and development, with a focus on supporting national strategies, promoting green and low-carbon transitions, and enhancing financial risk management [7]