1月13日，The State Council held a press conference，Vice Chairman of the China Banking and Insurance Regulatory Commission Huang Hong, Vice Chairman Zhu Shumin, chief risk officer and Director of the General Office Xiao Yuanqi, chief accountant Ma Xueping, etc., introduced the operation of the banking and insurance industry, serving the real economy and preventing and resolving risks at the meeting，同时，Combined with the just-held 2020 National Banking and Insurance Industry Regulatory Work conference，Answer questions from reporters on the scene。

　　It is urgent to continue to overcome the problem of financing difficulties

　　At the press conference on the same day, Zhu Shumin revealed that the CBRC is drafting evaluation methods for the financial services supervision of small and micro enterprises in commercial banks, establishing evaluation methods and indicator systems based on credit services and covering the whole process of financial services of small and micro enterprises in commercial banks, and will be released in the near future。

　　In 2019, banking and insurance institutions strongly supported the real economy, including small and micro enterprises。The data showed that the banking sector made 17 trillion yuan in new yuan loans, an increase of 1 percent year-on-year.1 trillion yuan。The insurance industry provided about 6,470 trillion yuan of insurance to the whole society, with claims and payments outlays 1.29 trillion yuan。

　　Zhu Shumin introduced that in order to effectively alleviate the problem of difficult financing for enterprises and expensive financing, the Banking and Insurance Regulatory Commission continued to standardize the charges of enterprises, by encouraging banks to single credit scale for inclusive finance, the implementation of internal fund transfer pricing incentives, increase the support for continued loans, improve the proportion of credit loans and other ways。By the end of 2019, the balance of loans to inclusive small and micro enterprises will be 11.The number of households with outstanding loans exceeded 21 million, an increase of 3.8 million compared with the beginning of the year. The average interest rate of new loans to inclusive small and micro enterprises was 0 percent lower than the average level in 2018.64 percent。

　　同时，The banking and Insurance Regulatory Commission requires all banking and insurance institutions to resolutely treat all kinds of ownership economies equally，From the establishment of due diligence exemption mechanism, strengthening internal performance assessment, innovative products and services，Promote banks to establish a long-term mechanism of "daring to lend, willing to lend and able to lend" to private enterprises，And some of the temporary difficulties encountered by private enterprises，Through the establishment of a debt committee, carry out debt-equity swaps and other ways，Help enterprises tide over difficulties。At present, about 1, 000 debt committees have been set up nationwide.90,000 enterprises, mainly private attributes of about 1.4万家。

　　Zhu Shumin said，next，CBRC will be deployed in accordance with the Central Economic Work Conference，We will work hard to improve policies for financial services to the real economy，Increase effective financial supply，Continue to solve the financing problems of private enterprises and small and micro enterprises，We will strengthen financial services for manufacturing enterprises and social services，We will further improve the quality and effectiveness of financial services serving the real economy。

　　Do everything possible to prevent risks and emphasize classified measures

　　"Prudently dispose of high-risk institutions, consolidate the responsibilities of all parties, and do a good job of coordination, cooperation and policy guidance.。This is the first risk prevention task proposed at the 2020 National Banking and Insurance Industry Supervision and Administration Work Conference recently held。In this regard, Xiao Yuanqi said in detail at the press conference that for high-risk small and medium-sized financial institutions, the CBRC always remains vigilant, checks relevant institutions, carries out list management, and does everything possible to resolve risks。

　　When it comes to disposal methods, Xiao Yuanqi said: "Conventional means should be used for some risks。For example, two trillion yuan of non-performing assets were disposed of last year to defuse the credit risks of these institutions。At the same time, we will strictly screen and manage new loans and control risks。In addition, many other conventional regulatory tools are being used to mitigate risk。In addition to these conventional measures, regulators will also be proactive against high-risk institutions。In this regard, last year, the CBRC and the People's Bank of China took over Baoshang Bank in accordance with the law, and carried out risk disposal and reform and restructuring of Hengfeng Bank and Jinzhou Bank;For other institutions, bad assets have been disposed of, new strategic investors have been introduced, and mergers and reorganizations have been carried out through market-oriented and law-based means。Xiao Yuanqi stressed that for the risks of small and medium-sized institutions, this year will also take comprehensive measures, and according to the different circumstances of each institution, classified to resolve。

　　The banking and Insurance Regulatory Commission mentioned at the above meeting: "For financial groups that are built in violation of laws and regulations, under the premise of stabilizing the overall situation, we should seriously investigate illegal acts, make every effort to clean up assets, recover stolen goods, and reform and restructure.。Xiao Yuan enterprises said that some institutions through illegal means, take circular capital injection, fake investment, illegal holding, invisible shareholders and other ways to buy shares in financial institutions。After the investment, there will be illegal shareholder behavior, such as non-compliant related transactions, serious interference in the daily operation of the institution, and collusion with internal personnel of the institution to carry out illegal interest transmission, which must be corrected and cracked down on from the perspective of corporate governance。In addition, according to Xiao Yuanqi, the banking and Insurance Regulatory Commission attaches great importance to the construction of relevant systems, and is studying the relevant measures for shareholder qualification review and optimization of equity management, in order to effectively "introduce" professional institutions at home and abroad with professional capabilities and long-term integrity records as the main shareholders of the institution。

　　The Department attaches great importance to the work of consumer protection

　　As a key work of financial supervision，2019年，The banking and Insurance Regulatory Commission focuses on consumer pain points and difficulties，Adopt special rectification, on-site inspection, key interviews, public disclosure and other ways，Focus on the regulation of banking and insurance institutions infringing on the rights and interests of consumers，Urge banks and insurance institutions to clear and compensate consumers throughout the year.92亿元。

　　According to Ma Xueping, in terms of work content, first of all, the CBRC unimpeded complaint channels and attached great importance to the demands of the masses。Last year, the regulator directly received and handled consumer complaints in the banking and insurance industry3.130,000 cases, up 69 percent year-on-year, covered complaints ranging from 5 yuan of freight insurance to 81 million yuan of financial complaints。Secondly, targeted inspections and interviews should be carried out, including on-site inspections of charges, credit operations, consignment operations, financial services, sales compliance, claims timeliness, and customer information authenticity, to extend consumer protection supervision to the whole process of bank insurance operations。Expand the coverage of the beneficiaries of consumer insurance, and at the same time, according to the principles of early warning, early identification and early disposal, 63 agencies of various types were interviewed for the hidden dangers of consumer protection found in inspection and complaint supervision。For financial groups, it is required to establish and improve the consumer insurance system and mechanism at the group level, and improve the consumer insurance management level of key financial groups。Third, report consumer complaints quarterly, urge institutions to strengthen business control, strengthen complaint handling responsibilities, and deter undesirable phenomena in the industry。最后，We will crack down on abuses that infringe on consumers' rights and interests，By the end of last year，All banking and insurance institutions have been organized to complete self-examination，And carried out a random inspection of 2096 banking and insurance institutions，More than 50,000 branches are involved，Urge all institutions to revise the system 2,520 items，The responsible personnel were held accountable。

　　Ma Xueping said that this year, the banking and Insurance Regulatory Commission will continue last year's work on the basis of further strengthening consumer protection behavior supervision。First, establish rules and regulations，Urge institutions to fulfill their main responsibilities，Improve the level of consumer rights protection system and mechanism;Second, we will launch a regulatory evaluation system for consumer protection，The starting point of innovation behavior supervision，To carry out the supervision and evaluation of the consumer insurance work of the institution from multiple dimensions;Third, promote the establishment of a diversified mechanism for resolving financial disputes，Provide the people with multiple and efficient channels to resolve complaints and disputes;Fourth, continue to promote the follow-up rectification of problems found in the rectification of consumer protection chaos，Urge institutions to conduct in-depth analysis of the problems found，Find the root cause of the problem，Make up for shortcomings，Improve the governance system，Establish long-term mechanism，We will ensure that abuses against consumers' rights and interests are curtailed。