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注意央行刚明确的这些重点工作将影响你我生活
2020-01-08 00:33  www.radiopsaumes.com

  新年伊始,不少人做好了新一年的财富计划,而这些目标能否顺利达成,离不开国家相关政策的助力。中国人民银行5日对外公布了2020年重点工作,其中不少关系你我经济金融生活。

At the beginning of the new year, many people have made a wealth plan for the new year, and these goals cannot be successfully achieved without the help of relevant national policies. The People's Bank of China announced on the 5th the key work of 2020, many of which are related to the economic and financial life of you and me.

  面对全球降息大潮,中国的货币政策走势将会如何?人民银行在京召开的2020年工作会议明确提出,保持稳健的货币政策灵活适度。加强逆周期调节,保持流动性合理充裕,促进货币信贷、社会融资规模增长同经济发展相适应。

How will China's monetary policy move in the face of the global wave of interest rate cuts? The people's bank's 2020 working meeting in beijing made it clear that prudent monetary policy should be maintained in a flexible and moderate manner. We will strengthen counter-cyclical regulation, maintain reasonable liquidity, and promote the growth of monetary credit and social financing in line with economic development.

  千招万招,管不住货币都是无用之招。国家金融与发展实验室副主任曾刚表示,面临经济下行压力,需要根据经济运行状况灵活运用货币政策工具,为企业发展提供充足的资金。但同时,央行一直强调绝不搞“大水漫灌”,要保持币值稳定,守护好老百姓手里的钱。

A thousand moves, no money is useless. Zeng Gang, deputy director of the National Institute of Finance and Development, said that under downward economic pressure, monetary policy tools need to be used flexibly to provide sufficient funds for enterprise development according to the state of economic operation. But at the same time, the central bank has always stressed that it must not engage in \"flood irrigation,\" to maintain a stable value of the currency, to protect the hands of ordinary people's money.

  “我太难了”曾是过去一年部分小微企业主的心声,但面对新的一年,仍有不少人怀揣期望。尤其在元旦当日,央行送上了8000多亿元的降准“大礼包”,并明确提出运用降准资金加大对小微、民营企业的支持力度。

“I'm too difficult" was the voice of some small and micro business owners in the past year, but in the face of the new year, there are still a lot of people with expectations. Especially on New Year's Day, the central bank sent more than 800 billion yuan to reduce the "gift package ", and explicitly proposed the use of reduced funds to increase support for small and micro, private enterprises.

  为进一步缓解小微企业融资难融资贵问题,此次会议提出,健全小微企业贷款考核激励机制,落实授信尽职免责制度,营造敢贷愿贷能贷的政策环境。推动发挥多部门合力,用好定向降准、再贷款再贴现、宏观审慎评估和征信管理等政策工具,切实推动改进小微企业融资。

In order to further alleviate the financing of small and micro enterprises difficult to finance expensive problem, the meeting proposed to improve the small and micro enterprises loan assessment incentive mechanism, the implementation of credit due diligence exemption system, to create a policy environment that dare to loan can be loaned. We will make use of policy tools such as targeted reduction, rediscount of re-loans, macro-prudential assessment and credit information management to effectively promote the improvement of financing for small and micro enterprises.

  “对于面临绩效考核压力的基层行来说,落实授信尽职免责制度,可以部分消除基层不敢贷、不愿贷的顾虑,更好地保护基层员工积极性,去推动小微贷款业务。”一名国有大行普惠金融部门人士表示。

“For the grass-roots banks facing the pressure of performance appraisal, the implementation of credit due diligence exemption system can partially eliminate the fear of the grass-roots dare not lend, unwilling to lend, better protect the enthusiasm of grass-roots employees to promote small and micro loan business." A member of the state-owned bank's inclusive finance sector said.

  去年,国务院金融稳定发展委员会会议曾连续3次关注中小银行改革,充分体现中小银行的稳定发展受到高度重视。2020年工作会议明确提出,深化中小银行和农信社改革。

Last year, the State Council's Financial Stability and Development Commission paid close attention to the reform of small and medium-sized banks three times in a row. The 2020 work conference clearly proposed to deepen the reform of small and medium-sized banks and rural credit cooperatives.

  新网银行首席研究员董希淼表示,间接融资仍然是我国融资体系中的主导模式,中小银行改革对于提升金融体系的适应性、竞争力和普惠性有着重要意义。

Dong ximiao, chief researcher at xinwang bank, said indirect financing is still the leading mode in china's financing system, and the reform of small and medium-sized banks is of great significance to enhance the adaptability, competitiveness and inclusiveness of the financial system.

  在过去的一年,我国金融业开放步伐加快举世瞩目。在新的一年,会议指出,积极稳妥推进人民币国际化。深入推进外汇管理体制改革,支持自贸试验区、自贸港等在外汇管理改革方面先行先试。

In the past year, China's financial industry has opened up more rapidly. In the new year, the conference pointed out that China should actively and steadily promote the internationalization of the renminbi. We will push forward the reform of the foreign exchange management system in depth, and support the FTAZ and FTAZ in their first attempt at foreign exchange management reform.

  董希淼表示,金融业对外开放,不但要“跑得快”,还要“走得稳”,金融业开放的同时要把握好节奏和力度,防范相关金融风险。

Mr Dong said the opening up of the financial industry should not only \"run fast\" but also \"walk steadily \".

  在移动支付不断普及的当下,人们没带钱包出门也似乎不会影响消费,越来越多的商铺支持扫码支付、刷脸支付、声纹支付……纷繁的支付手段已成为中国经济发展的注脚。在此背景下,会议指出,推动移动支付便民工程继续向纵深发展。

At a time when mobile payments are becoming more and more popular, it doesn't seem to affect consumption if people don't go out with their wallets. Numerous means of payment have become a footnote in China's economic development. In this context, the meeting pointed out that the promotion of mobile payment convenience project continues to develop in depth.

  但是,随着科技和金融深入结合,人们在获得便捷金融服务的同时,也不可避免地遇到了电信诈骗、信息泄露等问题。

However, with the deep combination of science and technology and finance, people inevitably encounter problems such as telecom fraud and information disclosure while obtaining convenient financial services.

  对此,会议提出,全力配合打击治理电信网络新型违法犯罪和跨境网络赌博活动。稳步推进征信二代系统上线升级,加强个人征信信息安全管理和个人隐私保护。完善金融消费权益保护协调工作机制,协调推进普惠金融工作。

In this regard, the meeting proposed to fully cooperate in the fight against new types of telecommunication network crime and cross-border network gambling activities. Steadily promote the second generation of credit information system online upgrade, strengthen personal credit information security management and personal privacy protection. We will improve the coordination mechanism for the protection of the rights and interests of financial consumers and coordinate the promotion of inclusive finance.

  为了进一步加强金融科技研发和应用,会议还提出,建立健全金融科技监管基本规则体系,继续稳步推进法定数字货币研发。

In order to further strengthen the research and application of financial science and technology, the conference also proposed to establish and improve the basic rules system of financial science and technology supervision, and continue to steadily advance the research and development of statutory digital currency.

  说起过去一年金融领域的大事,不少人会提到“包商银行被接管”。包商银行至今仍正常经营,未出现客户挤兑等群体性事件,让人们看到监管处置问题机构的能力,也对打赢防范化解重大金融风险攻坚战充满信心。

When it comes to events in the financial sector over the past year, many will mention that \"the contractor's bank has been taken over \". So far, the contractor's banks are still operating normally, and there are no group incidents such as customer runs, which allows people to see the ability of regulatory agencies to deal with problems, and also have full confidence in winning the battle to prevent and defuse major financial risks.

  2020年是攻坚战收官之年,为完成既定任务,会议提出,建立健全金融机构恢复处置机制、损失分担机制和激励约束机制。突出重点,继续依法依规做好重点金融机构风险处置工作。持续开展互联网金融风险专项整治,基本化解互联网金融存量风险,建立健全监管长效机制。加快建立房地产金融长效管理机制。进一步发挥存款保险机构在风险处置中的作用。

In order to complete the established task, the meeting proposed to establish and improve the mechanism of recovery and disposal of financial institutions, loss sharing mechanism and incentive and restraint mechanism. Highlight the key points and continue to do a good job in handling the risks of key financial institutions according to law. Continue to carry out special regulation of Internet financial risks, basically resolve the risks of Internet financial stock, and establish and improve a long-term regulatory mechanism. We will speed up the establishment of a long-term management mechanism for real estate finance. Further play the role of deposit insurance institutions in risk disposal.

  人民银行行长易纲在日前发表的新年致辞中写道:面对金融市场可能出现的“黑天鹅”“灰犀牛”,我们有决心、有信心、有能力打赢防范化解重大风险攻坚战。

In the face of the possible emergence of \"black swans\" and \"gray rhinos\" in financial markets, we are determined, confident and capable of winning the battle against major risks, Bank of China President Yi Gang wrote in his New Year's speech.