10月26日，在十四届全国人民代表大会常务委员会第十八次会议上，中国人民银行行长潘功胜受国务院 委托作金融工作情况报告，对下一步金融工作作出系统部署，明确重点工作方向。 在深化金融供给侧改革方面，潘功胜明确提出，加快完善中央银行制度，健全科学稳健的货币政策体 系，持续畅通货币政策传导机制。健全覆盖全面的宏观审慎管理体系，不断拓展宏观审慎管理的覆盖范 围。大力发展债券市场"科技板"。 推进高水平双向开放，维护金融安全仍是工作重点。潘功胜提出，稳步推进金融服务业和金融市场制度 型开放，促进贸易和投融资便利化。稳慎有序推进人民币国际化，全面提升人民币计价、支付、投融 资、储备等国际货币功能。 同时，推进上海、香港国际金融中心建设。做好金融支持海南自贸港封关运作和海南自贸港高质量发展 工作。积极践行全球治理倡议，推动全球金融治理改革。持续推进自主可控跨境支付体系建设和发展。 跟踪研判海外经济形势及政策对我影响，坚决维护国家金融安全。 防范化解金融风险是金融工作的重中之重。潘功胜在报告中指出，将强化系统性金融风险的监测和评 估。继续做好金融支持融资平台化债工作，支持融资平台市场化转型。继续推进中小金融机构改革化 险。健 ...

五年栉风沐雨，以稳健与活力为底色，中国金融业递交出一份亮眼的"十四五"答卷。 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；全球最大信贷市场和第二大保险市场地位更加稳固……"十四 五"时期是中国金融业成果丰硕的五年，金融高质量发展基础持续夯实、金融强国建设迈出坚实步伐。 回首不平凡的五年，中国金融体制改革全面深化，金融治理能力现代化迈上新台阶——金融机构更丰 富、服务实体更高效、民生保障更有力、风险防控更精准。 服务更广更深 开放吸引力更强 哪里有金融需求，金融服务的触角就延伸到哪里。 "十四五"期间，金融服务的深度和广度持续提升。东到抚远、南到三沙、西到喀什地区、北到漠河，金 融机构网点进一步在全国铺开。 "'十四五'以来，行业高质量发展实现新跨越，综合实力更加雄厚。"金融监管总局局长李云泽说，目前 银行业保险业总资产超过500万亿元，5年来年均增长9%。信托、理财、保险资管机构管理资产近100万 亿元，规模较"十三五"末翻了一番。 ——五年来，我国多层次、广覆盖、差异化的机构体系日益成熟。 银行业金融机构数量超4000家 ...

Core Viewpoint - The article highlights the significant achievements of China's financial sector during the "14th Five-Year Plan" period, emphasizing the enhancement of financial services to the real economy, deepening financial reforms, and improving international competitiveness [1][2][4]. Financial 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 ranking second [1]. - Over the past five years, the banking and insurance sectors provided an additional 170 trillion yuan in funding to the real economy, with annual growth rates of 27.2% for scientific research loans, 21.7% for manufacturing medium- and long-term loans, and 10.1% for infrastructure loans [2]. Support for Innovation and SMEs - The financial system has focused on supporting technological innovation, with over 90% of newly listed companies being technology-related. The market capitalization of the A-share technology sector exceeds 25% [2]. - The balance of inclusive loans for small and micro enterprises reached 36 trillion yuan, 2.3 times that of the end of the "13th Five-Year Plan" [2]. Financial Market Opening and Internationalization - The "14th Five-Year Plan" period saw further deepening of reforms and opening up in the financial sector, with high-level institutional opening of capital markets and steady progress in the internationalization of the renminbi [2][3]. - By the end of July 2023, foreign institutions and individuals held over 10 trillion yuan in domestic stocks, bonds, and deposits, with panda bond issuance exceeding 1 trillion yuan [2][3]. Risk Management and Financial Stability - The period was crucial for transforming old and new growth drivers, with significant achievements in preventing and mitigating financial risks, including a reduction in the number of high-risk institutions and assets [3]. - By June 2023, the number of financing platforms had decreased by over 60%, and the scale of financial debt had dropped by over 50% compared to the beginning of the year [3]. Future Outlook - The financial sector aims to continue enhancing service quality and efficiency, supporting the real economy and technological innovation, while promoting high-level opening and the internationalization of the renminbi to lay a solid foundation for high-quality development in the "15th Five-Year Plan" [4].

Core Insights - The "14th Five-Year Plan" has seen significant achievements in China's financial sector, including deepened reforms, improved financial services, and enhanced international competitiveness [3][4][5] Financial System Reform - Financial system reforms have been comprehensively deepened, with improved governance and a more robust financial institution and product system [3][4] - The banking sector's total assets reached nearly 470 trillion yuan, ranking first globally, while the stock and bond markets are second in size [3] Financial Services to the Real Economy - Over the past five years, the banking and insurance sectors provided 170 trillion yuan in new funds to the real economy, with significant growth in loans for technology and infrastructure [6] - The balance of inclusive small and micro enterprise loans reached 36 trillion yuan, 2.3 times that of the end of the 13th Five-Year Plan [6] Risk Management - Financial risks have been kept under control, with a focus on macroeconomic stability and the health of financial institutions [4][5] - The number of high-risk institutions has been significantly reduced, and over 3,600 illegal shareholders have been removed [6][7] Regulatory Enhancements - Regulatory capabilities have been strengthened, with 20,000 institutions penalized and 36,000 individuals held accountable for violations [7] - The capital market has seen a rise in direct financing, with a total of 57.5 trillion yuan raised through stock and bond markets [7][8] Capital Market Developments - The proportion of direct financing has increased, reaching 31.6%, with a notable rise in the market capitalization of technology companies [8][9] - Companies have returned 10.6 trillion yuan to investors through dividends and buybacks, reflecting a growing awareness of shareholder value [8] International Financial Integration - The capital market has expanded its openness, with the removal of foreign ownership limits and the establishment of new foreign investment mechanisms [10] - The foreign exchange market has seen improvements in efficiency and stability, with cross-border transactions reaching 14 trillion dollars in 2024, a 64% increase from 2020 [12][13]

Core Viewpoint - The Minsheng Bank Jinan High-tech Branch is actively promoting a campaign to enhance public awareness of financial risk prevention, focusing on illegal financial activities and improving self-protection capabilities among the public [1][2] Group 1: Campaign Overview - The campaign is part of the 2025 initiative to prevent illegal financial activities, utilizing both online and offline channels to reach a wider audience [1] - Innovative promotional methods include the establishment of a "Non-Fraud Classroom" on social media platforms, where original content on topics like "pension fraud" and "virtual asset risks" is shared [1][2] - Offline activities involve community engagement through financial knowledge micro-salons and quiz competitions to help the public identify illegal financial activities [1] Group 2: Target Audience and Education - The campaign specifically targets vulnerable groups, such as the elderly, by exposing scams related to "reverse mortgages," "investment in retirement apartments," and "selling pension products" [2] - For the youth, the initiative includes educational outreach in schools to promote basic financial knowledge and raise awareness about "campus loans" and "part-time job traps" [2] - The campaign also addresses risks associated with new financial forms like virtual currencies and blockchain technology, aiming to enhance public risk recognition abilities [2] Group 3: Employee Training and Future Plans - All employees of the Minsheng Bank Jinan High-tech Branch participate in specialized training and knowledge competitions to strengthen compliance awareness and risk prevention capabilities [2] - The bank plans to establish a long-term promotional mechanism, optimize online content, and deepen targeted educational efforts while collaborating with law enforcement and market regulation departments [2]

Core Viewpoint - The government work report sets the GDP growth target for 2024 at around 5%, emphasizing the importance of financial stability and support for key sectors [1]. Financial Policy Directions - Implementation of fiscal and monetary policies to expand spending and strengthen financial support for key areas, including two reductions in the reserve requirement ratio and policy interest rates, leading to lower social financing costs [2][3]. - Measures to stabilize the real estate market, including lowering housing loan interest rates and down payment ratios, resulting in a reduction of approximately 150 billion yuan in annual interest payments on existing housing loans [2]. - Active stabilization of the capital market through the acceleration of foundational system improvements and the creation of new financial tools, enhancing market activity [2]. Monetary Policy and Financial Stability - Emphasis on a moderately loose monetary policy for 2025, with a focus on maintaining liquidity and aligning social financing scale and money supply growth with economic growth and price level expectations [3]. - Optimization and innovation of structural monetary policy tools to promote healthy development in the real estate and stock markets, with increased support for technology innovation, green development, consumption, and small and micro enterprises [3]. - Efforts to reduce overall social financing costs and improve the accessibility and convenience of financial services [4]. Currency and Financial Tools - Maintenance of the RMB exchange rate at a reasonable and balanced level [5]. - Expansion of the central bank's macro-prudential and financial stability functions, along with the innovation of financial tools to ensure market stability [6]. Financial System Reform and Risk Prevention - Deepening reforms in the fiscal and financial system, including the establishment of standards for technology finance, green finance, inclusive finance, and digital finance [7]. - Proactive measures to prevent financial risks, including market-based and legal approaches to address risks in local small and medium financial institutions [7]. - Strengthening the coordination of financial regulation and maintaining a strict stance against illegal financial activities [7].