據(ju)銀(yin)監會消息，1月11日，中國(guo)銀(yin)監會召開全國(guo)銀(yin)行業(ye)監督(du)管理工作(zuo)(zuo)（電(dian)視電(dian)話）會議。銀(yin)監會黨(dang)委書記、主席尚福林作(zuo)(zuo)重要講話。會議總(zong)結(jie)回(hui)顧全國(guo)銀(yin)行業(ye)改革發展和監管工作(zuo)(zuo)，分析研判(pan)當(dang)前(qian)經濟金融形勢，研究部署2016年重點任務。

會議(yi)指出，2015年(nian)，全國(guo)銀(yin)行(xing)業系統全面貫徹黨(dang)中(zhong)央、國(guo)務院(yuan)決策(ce)部署，堅持以穩中(zhong)求進為工作(zuo)總基調，以穩增(zeng)長(chang)、調結構、惠民(min)生(sheng)、防風(feng)險為重點(dian)，以提(ti)高發展質量和效益(yi)為中(zhong)心，在認(ren)識、適應和引領新常(chang)態方面取得了(le)積極(ji)進展，在服務實體經濟、守住風(feng)險底線、深化(hua)改(gai)革開放(fang)等方面取得了(le)明顯成效。

有效(xiao)支(zhi)(zhi)(zhi)持(chi)(chi)了(le)實(shi)體經濟(ji)提(ti)質增效(xiao)，著力盤活(huo)(huo)存量、用(yong)好增量，更(geng)加注重(zhong)調整結構(gou)，為(wei)實(shi)體經濟(ji)穩增長、調結構(gou)發(fa)(fa)揮了(le)積極(ji)(ji)作用(yong)。初步統計(ji)，全年(nian)新(xin)(xin)增信(xin)貸(dai)資(zi)金(jin)(jin)11.2萬(wan)(wan)億(yi)元(yuan)、理(li)財資(zi)金(jin)(jin)8.5萬(wan)(wan)億(yi)元(yuan)、債券投資(zi)6.1萬(wan)(wan)億(yi)元(yuan)、信(xin)托資(zi)金(jin)(jin)2.3萬(wan)(wan)億(yi)元(yuan)，通過資(zi)產證(zheng)券化、不良貸(dai)款處置盤活(huo)(huo)存量貸(dai)款1萬(wan)(wan)多億(yi)元(yuan)，并(bing)將(jiang)新(xin)(xin)增和(he)盤活(huo)(huo)的存量資(zi)金(jin)(jin)主要用(yong)于(yu)支(zhi)(zhi)(zhi)持(chi)(chi)重(zhong)點(dian)領(ling)域、重(zhong)大(da)工(gong)程和(he)小微(wei)、“三農”等薄弱環節。支(zhi)(zhi)(zhi)持(chi)(chi)中資(zi)銀行(xing)完善境外布局，大(da)力支(zhi)(zhi)(zhi)持(chi)(chi)“走出(chu)去”；積極(ji)(ji)探索逆周期(qi)監管(guan)措施，將(jiang)“存貸(dai)比”由監管(guan)指(zhi)標改為(wei)監測指(zhi)標；支(zhi)(zhi)(zhi)持(chi)(chi)設(she)立專項建設(she)基(ji)金(jin)(jin)和(he)鐵路發(fa)(fa)展(zhan)(zhan)基(ji)金(jin)(jin)；對(dui)棚戶區改造軟貸(dai)款收(shou)回(hui)再貸(dai)采取(qu)差(cha)異化監管(guan)政策；對(dui)困難企(qi)業(ye)出(chu)臺“一企(qi)一策”指(zhi)導意見，避免(mian)簡單不恰當地壓貸(dai)、抽(chou)貸(dai)、斷貸(dai)。截(jie)至2015年(nian)末(mo)，基(ji)礎(chu)設(she)施行(xing)業(ye)、戰(zhan)略性(xing)新(xin)(xin)興產業(ye)、保障(zhang)性(xing)安居工(gong)程貸(dai)款同比分(fen)別增長9.4%、8.8%、58.8%。制定普(pu)惠金(jin)(jin)融(rong)(rong)發(fa)(fa)展(zhan)(zhan)規(gui)劃，健全普(pu)惠金(jin)(jin)融(rong)(rong)發(fa)(fa)展(zhan)(zhan)總體政策框架，加強對(dui)薄弱領(ling)域金(jin)(jin)融(rong)(rong)服務的配(pei)套政策支(zhi)(zhi)(zhi)持(chi)(chi)，小微(wei)企(qi)業(ye)貸(dai)款實(shi)現(xian)“三個不低于(yu)”目標。通過減費讓(rang)利降低社會融(rong)(rong)資(zi)成本，21家全國(guo)性(xing)銀行(xing)收(shou)費項目大(da)幅減少(shao)。

守住(zhu)了不發生系統性區域性金(jin)(jin)融(rong)風(feng)(feng)險底線。加(jia)強風(feng)(feng)險監測預(yu)警，強化跨市場、跨行(xing)業(ye)風(feng)(feng)險防范，按“一(yi)行(xing)（司）一(yi)策”原(yuan)則建立風(feng)(feng)險處置預(yu)案，依(yi)法合規(gui)推進存量(liang)債務(wu)置換和(he)(he)后續融(rong)資(zi)，開展批量(liang)化、市場化處置不良資(zi)產(chan)，商(shang)業(ye)銀(yin)行(xing)流(liu)動性管理能力有所提(ti)升。全面開展“兩個(ge)加(jia)強、兩個(ge)遏制”等專(zhuan)項檢查，對1295家違規(gui)銀(yin)行(xing)業(ye)金(jin)(jin)融(rong)機構處以罰款6.01億(yi)元(yuan)(yuan)，操作風(feng)(feng)險得到進一(yi)步控制。銀(yin)行(xing)業(ye)資(zi)本(ben)(ben)(ben)數量(liang)和(he)(he)質量(liang)均持續提(ti)升，商(shang)業(ye)銀(yin)行(xing)全年新增(zeng)資(zi)本(ben)(ben)(ben)約1.8萬(wan)億(yi)元(yuan)(yuan)，其中超(chao)過9成為核心一(yi)級資(zi)本(ben)(ben)(ben)，資(zi)本(ben)(ben)(ben)充足率約為13.3%。

深化(hua)(hua)改(gai)革開(kai)放增添了(le)市場活(huo)力。出臺民(min)營(ying)(ying)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)、融(rong)(rong)(rong)資(zi)擔保(bao)和金(jin)融(rong)(rong)(rong)租(zu)賃等(deng)行(xing)(xing)(xing)(xing)(xing)業改(gai)革發(fa)展(zhan)(zhan)(zhan)的(de)指導(dao)意見，民(min)間資(zi)本進入銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業已基本進入常態化(hua)(hua)。截至目前，已開(kai)業5家(jia)(jia)民(min)營(ying)(ying)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)、7家(jia)(jia)民(min)營(ying)(ying)金(jin)融(rong)(rong)(rong)租(zu)賃公(gong)司(si)、33家(jia)(jia)民(min)營(ying)(ying)企業集團財(cai)務(wu)公(gong)司(si)和2家(jia)(jia)民(min)營(ying)(ying)消(xiao)費金(jin)融(rong)(rong)(rong)公(gong)司(si)。農(nong)業銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)“三農(nong)”金(jin)融(rong)(rong)(rong)事業部和消(xiao)費金(jin)融(rong)(rong)(rong)公(gong)司(si)試(shi)點推(tui)廣(guang)至全國(guo)。積極(ji)推(tui)動政策性(xing)(xing)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)、國(guo)家(jia)(jia)開(kai)發(fa)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)和交通銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)深化(hua)(hua)改(gai)革方案(an)落地實(shi)施，郵儲(chu)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)深化(hua)(hua)股(gu)份制(zhi)改(gai)革取得(de)階段性(xing)(xing)進展(zhan)(zhan)(zhan)，4家(jia)(jia)中小銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業金(jin)融(rong)(rong)(rong)機(ji)構(gou)在(zai)港成功上(shang)市。積極(ji)推(tui)動對(dui)外開(kai)放，修訂出臺外資(zi)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)管理條(tiao)例實(shi)施細(xi)則，放寬外資(zi)銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)營(ying)(ying)業性(xing)(xing)機(ji)構(gou)經營(ying)(ying)人民(min)幣業務(wu)等(deng)條(tiao)件(jian)；明確在(zai)廣(guang)東、天津(jin)、福建自(zi)貿區及上(shang)海(hai)自(zi)貿區擴展(zhan)(zhan)(zhan)區域(yu)復制(zhi)推(tui)廣(guang)上(shang)海(hai)自(zi)貿區銀(yin)(yin)行(xing)(xing)(xing)(xing)(xing)業監管政策。

推動依法(fa)監(jian)(jian)(jian)(jian)管提高了監(jian)(jian)(jian)(jian)管有(you)效(xiao)性(xing)，緩(huan)解(jie)監(jian)(jian)(jian)(jian)管資源不(bu)足與監(jian)(jian)(jian)(jian)管任務(wu)加重的突出(chu)矛盾。實施銀(yin)(yin)監(jian)(jian)(jian)(jian)會(hui)機關內部監(jian)(jian)(jian)(jian)管架構調(diao)整，突出(chu)簡政(zheng)放權(quan)和(he)(he)依法(fa)監(jian)(jian)(jian)(jian)管；制(zhi)定(ding)并公開銀(yin)(yin)監(jian)(jian)(jian)(jian)會(hui)及機關各部門的權(quan)力清單、責(ze)任清單、約束清單，提升(sheng)監(jian)(jian)(jian)(jian)管透明度(du)。制(zhi)定(ding)銀(yin)(yin)監(jian)(jian)(jian)(jian)會(hui)黨委落實中央全(quan)面(mian)推進依法(fa)治(zhi)國決定(ding)的指導(dao)意見，啟動商(shang)業(ye)銀(yin)(yin)行法(fa)和(he)(he)銀(yin)(yin)監(jian)(jian)(jian)(jian)法(fa)的全(quan)面(mian)修改，起(qi)草(cao)信托公司條例，修訂涵蓋全(quan)部銀(yin)(yin)行業(ye)金(jin)融機構市場(chang)(chang)(chang)準入事項(xiang)的五部行政(zheng)許可規(gui)(gui)(gui)章和(he)(he)操作細則(ze)(ze)。制(zhi)定(ding)完善非現(xian)場(chang)(chang)(chang)監(jian)(jian)(jian)(jian)管、現(xian)場(chang)(chang)(chang)檢查(cha)、行政(zheng)處罰等15項(xiang)監(jian)(jian)(jian)(jian)管工作制(zhi)度(du)規(gui)(gui)(gui)范。制(zhi)定(ding)銀(yin)(yin)監(jian)(jian)(jian)(jian)會(hui)2015-2020年審慎(shen)規(gui)(gui)(gui)制(zhi)建設中長期規(gui)(gui)(gui)劃和(he)(he)工作規(gui)(gui)(gui)則(ze)(ze)，全(quan)面(mian)梳理審慎(shen)監(jian)(jian)(jian)(jian)管要求和(he)(he)制(zhi)度(du)規(gui)(gui)(gui)則(ze)(ze)，強(qiang)化行政(zheng)復議、行政(zheng)應訴(su)監(jian)(jian)(jian)(jian)督功(gong)能(neng)，持續提升(sheng)依法(fa)監(jian)(jian)(jian)(jian)管水平，不(bu)斷提高現(xian)場(chang)(chang)(chang)檢查(cha)的針(zhen)對性(xing)、權(quan)威性(xing)和(he)(he)有(you)效(xiao)性(xing)。

會議強調(diao)，“十(shi)二五”期間，特(te)(te)別是(shi)(shi)黨(dang)(dang)的(de)十(shi)八大以來，緊緊圍繞“五位一體(ti)(ti)(ti)”的(de)總體(ti)(ti)(ti)布(bu)局和(he)(he)(he)“四個全(quan)面”戰略布(bu)局，銀(yin)(yin)監(jian)會系(xi)(xi)統(tong)和(he)(he)(he)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)融機(ji)(ji)(ji)構(gou)(gou)全(quan)面貫徹落(luo)實黨(dang)(dang)中央、國務(wu)(wu)(wu)院各(ge)項決策部(bu)署和(he)(he)(he)宏(hong)觀(guan)調(diao)控政策，重(zhong)點推(tui)動銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)構(gou)(gou)建(jian)(jian)“五大體(ti)(ti)(ti)系(xi)(xi)”，已(yi)經(jing)初見成(cheng)效。一是(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)機(ji)(ji)(ji)構(gou)(gou)體(ti)(ti)(ti)系(xi)(xi)日趨完善，銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)機(ji)(ji)(ji)構(gou)(gou)種(zhong)類已(yi)達20余(yu)種(zhong)，法人機(ji)(ji)(ji)構(gou)(gou)4393家，銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)境內機(ji)(ji)(ji)構(gou)(gou)網(wang)(wang)點達22萬個，初步形(xing)成(cheng)了(le)以政策性銀(yin)(yin)行(xing)(xing)(xing)(xing)、國有控股(gu)大型銀(yin)(yin)行(xing)(xing)(xing)(xing)和(he)(he)(he)全(quan)國性股(gu)份制(zhi)商業(ye)(ye)(ye)銀(yin)(yin)行(xing)(xing)(xing)(xing)為主體(ti)(ti)(ti)，中資城鄉(xiang)(xiang)中小銀(yin)(yin)行(xing)(xing)(xing)(xing)和(he)(he)(he)外資銀(yin)(yin)行(xing)(xing)(xing)(xing)為兩翼，各(ge)類非銀(yin)(yin)行(xing)(xing)(xing)(xing)金(jin)(jin)融機(ji)(ji)(ji)構(gou)(gou)和(he)(he)(he)信托(tuo)公司(si)為補充的(de)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)金(jin)(jin)融機(ji)(ji)(ji)構(gou)(gou)體(ti)(ti)(ti)系(xi)(xi)。二是(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)服(fu)務(wu)(wu)(wu)體(ti)(ti)(ti)系(xi)(xi)日益(yi)健(jian)全(quan)，產品服(fu)務(wu)(wu)(wu)體(ti)(ti)(ti)系(xi)(xi)越(yue)發(fa)完善，服(fu)務(wu)(wu)(wu)方式不斷豐富，以物理網(wang)(wang)點為基(ji)本(ben)(ben)支(zhi)撐(cheng)、以互聯網(wang)(wang)信息技術為重(zhong)要依托(tuo)的(de)服(fu)務(wu)(wu)(wu)網(wang)(wang)絡基(ji)本(ben)(ben)實現城鄉(xiang)(xiang)全(quan)覆蓋，金(jin)(jin)融服(fu)務(wu)(wu)(wu)的(de)便(bian)捷(jie)性、及(ji)時性和(he)(he)(he)可獲得性大為提高。三是(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)市場(chang)體(ti)(ti)(ti)系(xi)(xi)建(jian)(jian)設穩步推(tui)進，銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)參與(yu)(yu)貨幣市場(chang)、信貸(dai)市場(chang)和(he)(he)(he)直接融資的(de)深度(du)和(he)(he)(he)廣度(du)明顯提高。四是(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)經(jing)營(ying)(ying)管(guan)(guan)(guan)理體(ti)(ti)(ti)系(xi)(xi)不斷優化。“三會一層”機(ji)(ji)(ji)制(zhi)持(chi)續(xu)健(jian)全(quan)，事(shi)業(ye)(ye)(ye)部(bu)制(zhi)、專營(ying)(ying)部(bu)門制(zhi)、子(zi)公司(si)制(zhi)改革(ge)取(qu)得明顯進展，公司(si)治理、業(ye)(ye)(ye)務(wu)(wu)(wu)治理、風險治理機(ji)(ji)(ji)制(zhi)基(ji)本(ben)(ben)建(jian)(jian)立。五是(shi)(shi)銀(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)(ye)(ye)監(jian)管(guan)(guan)(guan)體(ti)(ti)(ti)系(xi)(xi)建(jian)(jian)設進展明顯，特(te)(te)別是(shi)(shi)這些(xie)年來一直堅持(chi)政治與(yu)(yu)業(ye)(ye)(ye)務(wu)(wu)(wu)兩手抓、黨(dang)(dang)建(jian)(jian)與(yu)(yu)監(jian)管(guan)(guan)(guan)兩手硬，鍛煉出了(le)一支(zhi)敬業(ye)(ye)(ye)心強、專業(ye)(ye)(ye)化程度(du)高、作風過(guo)硬的(de)監(jian)管(guan)(guan)(guan)干部(bu)隊伍(wu)，為監(jian)管(guan)(guan)(guan)有效性持(chi)續(xu)提高提供(gong)重(zhong)要保障。

截至(zhi)2015年末(mo)(mo)，銀行業資(zi)產總額194.2萬億(yi)元(yuan)，比(bi)2010年末(mo)(mo)增長1.1倍；各項(xiang)貸款余額98.1萬億(yi)元(yuan)，比(bi)2010年末(mo)(mo)增長95%；商業銀行資(zi)本凈額13.1萬億(yi)元(yuan)，比(bi)2010年末(mo)(mo)增長1.6倍。

會(hui)(hui)(hui)議部(bu)署(shu)2016年銀(yin)(yin)行(xing)(xing)(xing)業監管工作(zuo)(zuo)。2016年，銀(yin)(yin)監會(hui)(hui)(hui)系統(tong)和銀(yin)(yin)行(xing)(xing)(xing)業金(jin)(jin)融(rong)(rong)機(ji)構(gou)要(yao)全面貫(guan)徹黨的十八(ba)大和十八(ba)屆三中、四中、五中全會(hui)(hui)(hui)以及中央經(jing)濟工作(zuo)(zuo)會(hui)(hui)(hui)議精神(shen)，深入落實(shi)習(xi)近平(ping)(ping)總書記系列重(zhong)要(yao)講話精神(shen)，堅持穩(wen)中求進(jin)總基調(diao)，按照“五位一(yi)體(ti)”總體(ti)布局和“四個(ge)全面”戰略布局的要(yao)求，認(ren)真遵循創新、協調(diao)、綠色、開放、共享五大發(fa)展理(li)念(nian)，堅持認(ren)真執行(xing)(xing)(xing)宏觀(guan)政(zheng)(zheng)策(ce)要(yao)穩(wen)、產(chan)業政(zheng)(zheng)策(ce)要(yao)準、微(wei)觀(guan)政(zheng)(zheng)策(ce)要(yao)活、改革政(zheng)(zheng)策(ce)要(yao)實(shi)、社會(hui)(hui)(hui)政(zheng)(zheng)策(ce)要(yao)托底五大政(zheng)(zheng)策(ce)導向，認(ren)真落實(shi)去產(chan)能(neng)、去庫存(cun)、去杠桿、降(jiang)成本、補短板五大工作(zuo)(zuo)任(ren)務，著力(li)整(zheng)合銀(yin)(yin)行(xing)(xing)(xing)資金(jin)(jin)支持供給(gei)側結構(gou)性改革，著力(li)降(jiang)低社會(hui)(hui)(hui)融(rong)(rong)資成本優化金(jin)(jin)融(rong)(rong)服務，著力(li)防范重(zhong)點風險(xian)守住風險(xian)底線，著力(li)加強黨的建設提高隊伍素(su)質(zhi)，為促進(jin)經(jing)濟平(ping)(ping)穩(wen)增(zeng)長、社會(hui)(hui)(hui)健康發(fa)展貢(gong)獻金(jin)(jin)融(rong)(rong)新動力(li)。

一(yi)是全力(li)(li)(li)以赴提升服(fu)務實(shi)體(ti)(ti)經濟的(de)效(xiao)(xiao)率。探索完善貫徹(che)創新、協(xie)調、綠色(se)、開放(fang)、共(gong)享(xiang)發(fa)(fa)展(zhan)理(li)念(nian)的(de)體(ti)(ti)制(zhi)(zhi)機(ji)制(zhi)(zhi)。銀(yin)行體(ti)(ti)系資(zi)(zi)金(jin)(jin)向(xiang)轉型升級的(de)傳統產業(ye)和(he)企(qi)業(ye)傾斜，向(xiang)戰略性新興產業(ye)和(he)科技創新創業(ye)企(qi)業(ye)傾斜，大(da)力(li)(li)(li)支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)創新發(fa)(fa)展(zhan)。聚(ju)焦“一(yi)帶一(yi)路(lu)”、京(jing)津冀協(xie)同(tong)發(fa)(fa)展(zhan)、長(chang)江經濟帶“三大(da)戰略”的(de)重點(dian)項(xiang)目、重大(da)工程等重點(dian)領域(yu)，協(xie)調配置信(xin)貸(dai)資(zi)(zi)源，優化(hua)(hua)信(xin)貸(dai)結(jie)構，提高發(fa)(fa)展(zhan)的(de)協(xie)調性。建立綠色(se)信(xin)貸(dai)長(chang)效(xiao)(xiao)機(ji)制(zhi)(zhi)，確(que)保(bao)信(xin)貸(dai)資(zi)(zi)金(jin)(jin)投向(xiang)綠色(se)金(jin)(jin)融(rong)(rong)，推(tui)動(dong)綠色(se)發(fa)(fa)展(zhan)理(li)念(nian)落(luo)地生根(gen)。支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)重點(dian)在“一(yi)帶一(yi)路(lu)”國家及金(jin)(jin)磚國家新設機(ji)構網點(dian)，支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)講信(xin)譽、有(you)實(shi)力(li)(li)(li)、守法規(gui)的(de)企(qi)業(ye)“走出去”，推(tui)動(dong)深化(hua)(hua)國際產能合(he)作(zuo)；支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)外資(zi)(zi)銀(yin)行合(he)理(li)布局(ju)、均(jun)衡布點(dian)，支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)港澳(ao)臺銀(yin)行在內地發(fa)(fa)展(zhan)，統籌(chou)對內對外，支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)開放(fang)發(fa)(fa)展(zhan)。積(ji)極發(fa)(fa)展(zhan)普(pu)惠(hui)金(jin)(jin)融(rong)(rong)，讓廣大(da)城鄉(xiang)居民在共(gong)享(xiang)發(fa)(fa)展(zhan)中(zhong)有(you)更多(duo)獲得感(gan)。大(da)力(li)(li)(li)支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)供(gong)給側(ce)結(jie)構性改革(ge)，將服(fu)務實(shi)體(ti)(ti)經濟供(gong)給側(ce)結(jie)構性改革(ge)作(zuo)為改善銀(yin)行服(fu)務的(de)重要內容。推(tui)進投貸(dai)聯(lian)(lian)動(dong)融(rong)(rong)資(zi)(zi)試點(dian)工作(zuo)。研究制(zhi)(zhi)定銀(yin)行業(ye)落(luo)實(shi)去產能、去庫存(cun)、去杠桿的(de)具體(ti)(ti)政策措施。加大(da)精準扶貧力(li)(li)(li)度(du)，對接扶貧卡單(dan)，單(dan)列信(xin)貸(dai)資(zi)(zi)源、單(dan)設扶貧機(ji)構，單(dan)獨(du)考(kao)核扶貧績效(xiao)(xiao)。總結(jie)推(tui)廣“銀(yin)稅互(hu)動(dong)”、“銀(yin)稅保(bao)互(hu)動(dong)”、“雙基聯(lian)(lian)動(dong)”、“網格服(fu)務”等新服(fu)務模式(shi)，力(li)(li)(li)爭實(shi)現小(xiao)微(wei)企(qi)業(ye)貸(dai)款“三個不低(di)于”目標(biao)。擴大(da)林權和(he)農村土(tu)地“兩權”抵(di)押貸(dai)款試點(dian),努力(li)(li)(li)實(shi)現涉(she)農信(xin)貸(dai)投放(fang)持(chi)(chi)(chi)續增長(chang)。支(zhi)(zhi)(zhi)(zhi)(zhi)(zhi)持(chi)(chi)(chi)降低(di)企(qi)業(ye)成本。繼(ji)續擴大(da)續貸(dai)政策適(shi)用主體(ti)(ti)范圍(wei)，進一(yi)步(bu)加大(da)違規(gui)收費清(qing)理(li)規(gui)范和(he)督(du)查處罰力(li)(li)(li)度(du)，持(chi)(chi)(chi)續創新融(rong)(rong)資(zi)(zi)工具、拓(tuo)寬融(rong)(rong)資(zi)(zi)渠道、優化(hua)(hua)融(rong)(rong)資(zi)(zi)方案，推(tui)動(dong)企(qi)業(ye)優化(hua)(hua)融(rong)(rong)資(zi)(zi)結(jie)構，降低(di)融(rong)(rong)資(zi)(zi)成本。

二(er)是綜(zong)(zong)合排(pai)查(cha)治(zhi)(zhi)理(li)(li)重點(dian)風(feng)(feng)(feng)險(xian)，嚴守(shou)金融(rong)(rong)(rong)風(feng)(feng)(feng)險(xian)底線(xian)。切實排(pai)查(cha)治(zhi)(zhi)理(li)(li)信(xin)用(yong)風(feng)(feng)(feng)險(xian)，努力(li)管(guan)(guan)(guan)(guan)(guan)控(kong)(kong)融(rong)(rong)(rong)資(zi)平臺(tai)貸(dai)款(kuan)(kuan)風(feng)(feng)(feng)險(xian)，穩妥應對房企(qi)信(xin)貸(dai)風(feng)(feng)(feng)險(xian)事件。嚴防關聯企(qi)業(ye)貸(dai)款(kuan)(kuan)、擔保(bao)圈企(qi)業(ye)貸(dai)款(kuan)(kuan)、循環擔保(bao)貸(dai)款(kuan)(kuan)風(feng)(feng)(feng)險(xian)，防止信(xin)用(yong)風(feng)(feng)(feng)險(xian)傳染(ran)放大。強(qiang)化(hua)綜(zong)(zong)合并表管(guan)(guan)(guan)(guan)(guan)理(li)(li)，提(ti)高集團風(feng)(feng)(feng)險(xian)管(guan)(guan)(guan)(guan)(guan)控(kong)(kong)能(neng)(neng)(neng)(neng)力(li)。嚴查(cha)純套利性跨(kua)境貿易(yi)融(rong)(rong)(rong)資(zi)業(ye)務。提(ti)升(sheng)銀(yin)行(xing)業(ye)市場化(hua)、多元化(hua)、綜(zong)(zong)合化(hua)處(chu)置不(bu)良(liang)資(zi)產的(de)(de)能(neng)(neng)(neng)(neng)力(li)。開展(zhan)不(bu)良(liang)資(zi)產證券化(hua)和(he)不(bu)良(liang)資(zi)產收益(yi)權轉讓試點(dian)，逐步(bu)(bu)增強(qiang)地(di)方資(zi)產管(guan)(guan)(guan)(guan)(guan)理(li)(li)公司處(chu)置不(bu)良(liang)資(zi)產的(de)(de)功效和(he)能(neng)(neng)(neng)(neng)力(li)。綜(zong)(zong)合排(pai)查(cha)治(zhi)(zhi)理(li)(li)資(zi)金錯配導致的(de)(de)流(liu)動(dong)性風(feng)(feng)(feng)險(xian)。健全完善跨(kua)行(xing)業(ye)跨(kua)市場金融(rong)(rong)(rong)業(ye)務的(de)(de)監管(guan)(guan)(guan)(guan)(guan)制度和(he)手段。綜(zong)(zong)合排(pai)查(cha)治(zhi)(zhi)理(li)(li)交叉(cha)金融(rong)(rong)(rong)產品風(feng)(feng)(feng)險(xian)，加(jia)強(qiang)資(zi)管(guan)(guan)(guan)(guan)(guan)類產品管(guan)(guan)(guan)(guan)(guan)理(li)(li)，使跨(kua)行(xing)業(ye)跨(kua)市場資(zi)金流(liu)動(dong)始終能(neng)(neng)(neng)(neng)夠(gou)“看得見、管(guan)(guan)(guan)(guan)(guan)得了、控(kong)(kong)得住”。綜(zong)(zong)合排(pai)查(cha)治(zhi)(zhi)理(li)(li)社會金融(rong)(rong)(rong)風(feng)(feng)(feng)險(xian)向銀(yin)行(xing)體系輸入(ru)，筑牢“防火墻”。嚴格社會融(rong)(rong)(rong)資(zi)管(guan)(guan)(guan)(guan)(guan)理(li)(li)。進一(yi)步(bu)(bu)加(jia)強(qiang)銀(yin)行(xing)業(ye)信(xin)息科(ke)技風(feng)(feng)(feng)險(xian)、操作風(feng)(feng)(feng)險(xian)、聲譽(yu)風(feng)(feng)(feng)險(xian)防控(kong)(kong)力(li)度。

三(san)是(shi)深入(ru)推(tui)進(jin)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)改革(ge)(ge)開放。暢通銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)的(de)市場準(zhun)入(ru)。實(shi)現民(min)營銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)設(she)立(li)(li)(li)常態化(hua)(hua)，擴大民(min)間(jian)資(zi)本進(jin)入(ru)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)的(de)渠道和(he)方(fang)式。支(zhi)(zhi)(zhi)持(chi)(chi)(chi)民(min)間(jian)資(zi)本參與城市商業(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)和(he)農(nong)村(cun)中(zhong)小(xiao)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)的(de)重組(zu)改制(zhi)。支(zhi)(zhi)(zhi)持(chi)(chi)(chi)符合條件的(de)民(min)間(jian)資(zi)本發(fa)起設(she)立(li)(li)(li)消費(fei)金(jin)(jin)融(rong)(rong)(rong)(rong)公(gong)(gong)(gong)司(si)、金(jin)(jin)融(rong)(rong)(rong)(rong)租賃公(gong)(gong)(gong)司(si)、企業(ye)集(ji)團財(cai)務公(gong)(gong)(gong)司(si)、汽車金(jin)(jin)融(rong)(rong)(rong)(rong)公(gong)(gong)(gong)司(si)和(he)參與發(fa)起設(she)立(li)(li)(li)村(cun)鎮銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)。研究完善(shan)投資(zi)入(ru)股地方(fang)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)的(de)準(zhun)入(ru)管理(li)(li)(li)，支(zhi)(zhi)(zhi)持(chi)(chi)(chi)地方(fang)金(jin)(jin)融(rong)(rong)(rong)(rong)產業(ye)集(ji)聚發(fa)展。推(tui)動(dong)農(nong)村(cun)信(xin)(xin)用社改革(ge)(ge)，積(ji)極穩妥(tuo)推(tui)進(jin)農(nong)村(cun)商業(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)組(zu)建。提升(sheng)村(cun)鎮銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)批量化(hua)(hua)組(zu)建、集(ji)約化(hua)(hua)經營和(he)專(zhuan)業(ye)化(hua)(hua)服(fu)務水平(ping)。設(she)立(li)(li)(li)中(zhong)國信(xin)(xin)托登記有限責任公(gong)(gong)(gong)司(si)，建立(li)(li)(li)信(xin)(xin)托產品統一登記制(zhi)度。推(tui)動(dong)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)治(zhi)理(li)(li)(li)機(ji)(ji)制(zhi)改革(ge)(ge)。繼續支(zhi)(zhi)(zhi)持(chi)(chi)(chi)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)業(ye)金(jin)(jin)融(rong)(rong)(rong)(rong)機(ji)(ji)構(gou)(gou)設(she)立(li)(li)(li)扶貧金(jin)(jin)融(rong)(rong)(rong)(rong)事(shi)業(ye)部(bu)、普(pu)惠金(jin)(jin)融(rong)(rong)(rong)(rong)事(shi)業(ye)部(bu)，提升(sheng)國家開發(fa)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)住宅(zhai)金(jin)(jin)融(rong)(rong)(rong)(rong)事(shi)業(ye)部(bu)支(zhi)(zhi)(zhi)持(chi)(chi)(chi)棚戶區改造的(de)能(neng)力，支(zhi)(zhi)(zhi)持(chi)(chi)(chi)農(nong)業(ye)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)深化(hua)(hua)“三(san)農(nong)”金(jin)(jin)融(rong)(rong)(rong)(rong)事(shi)業(ye)部(bu)改革(ge)(ge)。指導條件成熟的(de)銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)對信(xin)(xin)用卡、理(li)(li)(li)財(cai)、私人銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、直銷銀(yin)(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)、小(xiao)微企業(ye)信(xin)(xin)貸等業(ye)務板塊進(jin)行(xing)(xing)(xing)(xing)牌照管理(li)(li)(li)和(he)子公(gong)(gong)(gong)司(si)改革(ge)(ge)試點(dian)。支(zhi)(zhi)(zhi)持(chi)(chi)(chi)企業(ye)集(ji)團財(cai)務公(gong)(gong)(gong)司(si)擴大延伸(shen)產業(ye)鏈金(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務試點(dian)。拓展汽車金(jin)(jin)融(rong)(rong)(rong)(rong)公(gong)(gong)(gong)司(si)業(ye)務范(fan)圍(wei)，支(zhi)(zhi)(zhi)持(chi)(chi)(chi)汽車產業(ye)可(ke)持(chi)(chi)(chi)續發(fa)展。

四是進一(yi)(yi)步(bu)提高監管(guan)(guan)有效性。強(qiang)化審(shen)慎規(gui)制(zhi)(zhi)建(jian)設(she)。重點做好全面風(feng)(feng)險(xian)管(guan)(guan)理、押品管(guan)(guan)理、大額風(feng)(feng)險(xian)暴(bao)露、流動性風(feng)(feng)險(xian)和(he)交易對(dui)手信(xin)用風(feng)(feng)險(xian)資本計(ji)(ji)量(liang)、內(nei)部(bu)審(shen)計(ji)(ji)等規(gui)制(zhi)(zhi)的(de)(de)(de)研究(jiu)制(zhi)(zhi)定工作(zuo)，進一(yi)(yi)步(bu)完(wan)善境外業(ye)(ye)務(wu)(wu)、表外業(ye)(ye)務(wu)(wu)等重要業(ye)(ye)務(wu)(wu)領域的(de)(de)(de)內(nei)部(bu)管(guan)(guan)理和(he)風(feng)(feng)險(xian)防范(fan)(fan)。健全銀(yin)團(tuan)貸款監管(guan)(guan)規(gui)制(zhi)(zhi)，鼓勵商業(ye)(ye)銀(yin)行(xing)開展銀(yin)團(tuan)貸款。加(jia)強(qiang)現場檢查分析系統（EAST系統）的(de)(de)(de)應(ying)用推(tui)(tui)廣(guang)工作(zuo)。加(jia)強(qiang)大數據發展與應(ying)用，完(wan)善非現場監管(guan)(guan)信(xin)息系統和(he)監管(guan)(guan)指標體系。繼續推(tui)(tui)進簡政放權、放管(guan)(guan)結合，加(jia)強(qiang)對(dui)派出(chu)機(ji)構市場準入工作(zuo)的(de)(de)(de)再(zai)監管(guan)(guan)和(he)后(hou)評價。嚴格(ge)執(zhi)行(xing)“雙罰”，持續做好行(xing)政復議和(he)行(xing)政應(ying)訴工作(zuo)。積極參與國際(ji)監管(guan)(guan)改革，提升我(wo)國在國際(ji)監管(guan)(guan)改革及實(shi)施(shi)領域的(de)(de)(de)話語權。強(qiang)化金(jin)(jin)融消(xiao)費者合法權益保(bao)護(hu)，建(jian)立(li)金(jin)(jin)融消(xiao)費糾紛第(di)三方事(shi)前調解仲裁(cai)機(ji)制(zhi)(zhi)。推(tui)(tui)動銀(yin)行(xing)業(ye)(ye)金(jin)(jin)融機(ji)構落(luo)實(shi)風(feng)(feng)險(xian)防范(fan)(fan)第(di)一(yi)(yi)責任(ren)人(ren)要求，逐步(bu)推(tui)(tui)廣(guang)投資產品銷售錄(lu)音錄(lu)像和(he)專區制(zhi)(zhi)度，加(jia)強(qiang)銷售業(ye)(ye)務(wu)(wu)全過程管(guan)(guan)理，規(gui)范(fan)(fan)代銷業(ye)(ye)務(wu)(wu)管(guan)(guan)理。

五是全(quan)面(mian)(mian)(mian)(mian)加強(qiang)黨(dang)(dang)(dang)(dang)建工作。進(jin)(jin)(jin)一步強(qiang)調政(zheng)(zheng)治紀(ji)律(lv)和政(zheng)(zheng)治規(gui)(gui)矩，切實增強(qiang)看(kan)齊(qi)(qi)(qi)意識，要(yao)經(jing)常地(di)、積極主動地(di)向(xiang)以(yi)習(xi)近(jin)平(ping)同(tong)志為總(zong)書(shu)記(ji)的(de)黨(dang)(dang)(dang)(dang)中(zhong)央看(kan)齊(qi)(qi)(qi)，向(xiang)黨(dang)(dang)(dang)(dang)的(de)理論(lun)和路線方針政(zheng)(zheng)策看(kan)齊(qi)(qi)(qi)，自(zi)覺在思想(xiang)上(shang)政(zheng)(zheng)治上(shang)行動上(shang)同(tong)黨(dang)(dang)(dang)(dang)中(zhong)央保持高度一致(zhi)。要(yao)深入(ru)開展學(xue)習(xi)近(jin)平(ping)總(zong)書(shu)記(ji)系(xi)列重要(yao)講話(hua)、學(xue)黨(dang)(dang)(dang)(dang)章黨(dang)(dang)(dang)(dang)規(gui)(gui)、做合(he)格共(gong)產黨(dang)(dang)(dang)(dang)員的(de)活動。以(yi)學(xue)習(xi)貫徹《中(zhong)國共(gong)產黨(dang)(dang)(dang)(dang)廉潔(jie)自(zi)律(lv)準則》和《中(zhong)國共(gong)產黨(dang)(dang)(dang)(dang)紀(ji)律(lv)處分條(tiao)例》的(de)宣(xuan)傳教(jiao)育以(yi)及貫徹實施工作為抓(zhua)手，全(quan)面(mian)(mian)(mian)(mian)加強(qiang)黨(dang)(dang)(dang)(dang)的(de)建設，全(quan)面(mian)(mian)(mian)(mian)強(qiang)化(hua)(hua)六大紀(ji)律(lv)，全(quan)面(mian)(mian)(mian)(mian)落(luo)實黨(dang)(dang)(dang)(dang)委(wei)(wei)從嚴治黨(dang)(dang)(dang)(dang)主體責(ze)(ze)任(ren)(ren)、紀(ji)委(wei)(wei)監督(du)責(ze)(ze)任(ren)(ren)和黨(dang)(dang)(dang)(dang)委(wei)(wei)成(cheng)員“一崗雙責(ze)(ze)”責(ze)(ze)任(ren)(ren)。扎實開展黨(dang)(dang)(dang)(dang)委(wei)(wei)中(zhong)心組(zu)理論(lun)學(xue)習(xi)，把學(xue)習(xi)貫徹習(xi)近(jin)平(ping)總(zong)書(shu)記(ji)系(xi)列重要(yao)講話(hua)精神(shen)引向(xiang)深入(ru)，以(yi)改(gai)(gai)革創(chuang)新精神(shen)加強(qiang)基層黨(dang)(dang)(dang)(dang)組(zu)織建設，進(jin)(jin)(jin)一步提(ti)高全(quan)系(xi)統黨(dang)(dang)(dang)(dang)建水平(ping)。全(quan)力(li)做好(hao)整(zheng)改(gai)(gai)工作。按照(zhao)中(zhong)央巡(xun)視組(zu)提(ti)出的(de)要(yao)求，以(yi)一抓(zhua)到底的(de)決心和“釘釘子(zi)”精神(shen)持續(xu)深入(ru)推進(jin)(jin)(jin)整(zheng)改(gai)(gai)，確保完成(cheng)整(zheng)改(gai)(gai)任(ren)(ren)務。按照(zhao)“三個見(jian)實效”目標(biao)，根據(ju)會(hui)黨(dang)(dang)(dang)(dang)委(wei)(wei)專題(ti)(ti)民(min)主生活會(hui)召開情(qing)況(kuang)以(yi)及查擺的(de)不嚴不實問題(ti)(ti)，持續(xu)抓(zhua)好(hao)突出問題(ti)(ti)整(zheng)改(gai)(gai)。堅決守住紀(ji)律(lv)底線，持續(xu)抓(zhua)好(hao)“八項規(gui)(gui)定”落(luo)實，綜(zong)合(he)運用好(hao)監督(du)執紀(ji)的(de)“四種(zhong)形態”，把紀(ji)律(lv)和規(gui)(gui)矩挺(ting)在前面(mian)(mian)(mian)(mian)。用好(hao)用足巡(xun)視和審計兩柄“利劍”，強(qiang)化(hua)(hua)巡(xun)視監督(du)。加強(qiang)干部(bu)隊伍建設，圍繞監管事業長遠發展需要(yao)選(xuan)干部(bu)、配班子(zi)，及時發現和合(he)理使用各方面(mian)(mian)(mian)(mian)優秀人才(cai)。

編輯：杜宇 審核(he)：趙慶 終審：靳水(shui)平