CLP information - No. 1 central document on Strengthening Rural Revitalization financial services

Policy trend

The State Council ： Strengthening Rural Revitalization financial services

In recent days, , The central committee of the communist party of China 、 Issued by the state council 《 About doing well 2022 Opinions on comprehensively promoting the key work of Rural Revitalization in 》, Strengthening Rural Revitalization financial services . The institutional legal person is located in the county 、 The business is in the county 、 The funds are mainly used for local legal person financial institutions for Rural Revitalization , We will increase agricultural and small-scale refinancing 、 Rediscount support , Implement a more favorable deposit reserve policy . Support various financial institutions to explore medium - and long-term credit models for agricultural and rural infrastructure . We will accelerate the reform of rural credit cooperatives , Perfect province （ Autonomous region ） The governance mechanism of the Rural Credit Union , Resolve risks safely . We will improve the statistical system for Rural Revitalization financial services , We will carry out the assessment of financial institutions' services for Rural Revitalization . We will deepen the construction of the rural credit system , Develop credit loans for farmers . We will strengthen education in rural financial literacy and protect the rights and interests of financial consumers . We will actively develop agricultural insurance and reinsurance . Optimize and perfect “ insurance +” Pattern . We will strengthen market-based sharing and compensation for agricultural credit risks , Give full play to the role of agricultural credit guarantee .（ Mobile payment network ）

The cbcirc and other departments will strengthen financial support for the construction and operation of indemnificatory rental housing

2 month 25 Japan , Silver circ 、 Jointly issued by the Ministry of housing and urban rural development 《 Guidance on bank and insurance institutions supporting the development of indemnificatory rental housing 》, Further strengthen the financial support for the construction and operation of indemnificatory rental housing .《 Guiding Opinions 》 Put forward , We should focus on the people 、 Market oriented 、 On the premise of controllable risk 、 Take multi-party coordination as the guarantee , Build multi-level 、 Wide coverage 、 Risk controllable 、 Business sustainable affordable rental housing financial service system . All kinds of banking and insurance institutions are required to give full play to their institutional advantages , Grasp the financing demand characteristics of indemnificatory rental housing , Provide targeted financial products and services . All localities are required to clarify the standards for affordable rental housing projects as soon as possible , Strengthen the supervision and management of affordable rental housing projects , Provide support for bank and insurance institutions to carry out business . meanwhile , Emphasize all aspects to strengthen project risk management , Stick to the risk bottom line . The Ministry of housing and urban rural development said ,“ the 14th Five-Year Plan ” period ,40 A number of key cities are preliminarily planned to add 650 Thousands of sets of （ between ）, Expected to help 1300 Wanxin citizens 、 Young people, etc. to ease housing difficulties . among ,2022 It is expected to build and raise affordable rental housing throughout the year 240 Thousands of sets of （ between ）.（ Silver circ ）

Industry trends

Released in Fuzhou “ the 14th Five-Year Plan ” Financial planning

In recent days, , Released in Fuzhou 《 Fuzhou City “ the 14th Five-Year Plan ” Special plan for financial industry development 》, In digital RMB 、 Financial technology 、 Cross border Finance 、 There are relevant requirements for the integration of cross-strait credit reporting .《 planning 》 Pointed out that , Vigorously develop financial technology . Promote the implementation of major financial technology projects , Actively strive for the pilot of digital RMB . Attract domestic and foreign large-scale financial technology leading enterprises to set up regional headquarters or subsidiaries in Rongcheng , Promote the construction of Industrial Bank Financial Technology Industrial Park , Vigorously support industrial bank and Minjiang University to jointly build a financial science and technology innovation laboratory , Explore “ Information technology + Finance ” The talent training mode of the University .（ Mobile payment network ）

Silver economy drives the pension financing market , The pilot area has been significantly expanded

Recently, the China Banking and Insurance Regulatory Commission issued an announcement , since 2022 year 3 month 1 The date of , The pilot scope of pension financial products is from “ Four places and four institutions ” Expand to “ Ten places and ten institutions ”. among , For those that have been piloted 4 A wealth management company , The upper limit of the total scale of funds raised by a single institution's pension financial products is determined by 100 RMB billion to 500 RMB 100 million ; For the new 6 A wealth management company , The upper limit of the total scale of funds raised by a single institution's pension financial products is 100 RMB 100 million . next step , The relevant departments of the China Banking and Insurance Regulatory Commission and the banking and insurance regulatory bureaus in the pilot areas will strengthen the supervision and management of the pilot work of pension financial products , Continue to do a good job in the evaluation and experience summary of the pilot work , Strive to provide the people with higher quality 、 More convenient commercial pension financial services .（ Silver circ ）

Carbon reduction in transportation will be promoted in an all-round way Green infrastructure investment is hot

At the first meeting of the leading group for carbon peak and carbon neutralization of the Ministry of transport recently , The Ministry of transport proposed to comprehensively promote the green and low-carbon transformation of transportation , Accelerate the formation of green and low-carbon transportation modes , And further clarify the optimization of transportation structure 、 Promotion and application of energy-saving and low-carbon equipment 、 Green and low-carbon travel 、 Key tasks such as resource conservation and intensive utilization . The current highway 、 The action plan for green and low-carbon development of waterway transportation has been formulated . meanwhile , Investment in green and low-carbon transportation infrastructure is hot , Put forward relevant plans more often .（ Economic reference ）

The national blockchain innovation and application pilot was launched in Tianjin

In recent days, , Central network information office, etc 16 Departments jointly issue the notice , The announcement has been recommended by local authorities and departments 、 Expert review 、 Determined by online publicity and other procedures 15 A comprehensive and 164 List of national blockchain innovation and application pilots in characteristic fields . among , The people's Bank of China Tianjin branch organizes the application “ Relying on blockchain technology to carry out supply chain financial services ” The project was selected , It has become one of the five pilot projects selected by Tianjin , It is also the only pilot project selected in the financial field of Tianjin . Through the effective application of blockchain Technology , Improved the transparency of underlying assets of warehouse receipt pledge financing business 、 The accuracy of risk control of financial institutions and the convenience of capital approval and investment , Providing supply chain financing services for commercial banks 、 Support upstream and downstream small and medium-sized enterprises to revitalize stock assets 、 Solve the financing problem 、 Stable production and operation provides a replicable business model .（ The financial times ）

China's first nuclear power steam supply project for industrial use has laid a pile foundation

2 month 23 Japan , China's first industrial nuclear power steam supply project laid the first pile foundation in the Tianwan nuclear power base of China Nuclear Power Group , This is after Qinshan nuclear power carried out Southern nuclear heating , Another active exploration in the field of comprehensive utilization of nuclear energy , To optimize and adjust China's energy structure , Build a clean and low carbon 、 The safe and efficient modern energy system has made a new demonstration .（ Industrial Network ）

International vision

The European Central Bank issued a report on the impact of financial technology loans on small and medium-sized enterprises (SMEs) Impact report

In recent days, , The ECB (ECB) Issued a report on the impact of fintech loans on small and medium-sized enterprises (SMEs) Impact report . The main points of the report include ：（1） Researchers use P2B The unique data set of the platform , Master the loan application scope of the platform , Thus it is concluded that , Fintech loans will affect credit markets and real economic activities ;（2） Fintech serves high-quality and reputable small enterprises that have obtained bank credit . These enterprises use financial technology to obtain long-term unsecured loans , And reduce the impact on current assets 、 Stabilize the risk exposure of banks with less capital and capital ;（3） Fintech will promote the scale expansion of enterprises 、 Employment and investment in companies that cannot apply for loans ;（4） Companies with access to fintech will increase leverage , And replace long-term bank debt with fintech debt . Fintech enables companies to maintain financial flexibility , Reduce the dependence on banks and the risk of bank shocks .（ Weiyang.com ）

2026 In, the global fintech blockchain market will reach 87 Billion dollars

2 month 23 Japan global industry analyst company （Global Industry Analysts） Release 《 Fintech blockchain - Global market trajectory and analysis 》 The report . According to the report , The combination of blockchain and financial technology is becoming the most promising technology portfolio , Has the potential to change the fintech industry . Fintech blockchain is the financial technology application of blockchain technology , Provide solutions 、 Software and various financial technology blockchain services , Enterprises use these services to provide improved and automated financial services . The growth of the global fintech blockchain market can be attributed to the growing demand of consumers for ownership and investment ; Yes, cheaper 、 The demand for faster cross-border payment systems is increasing ; Better compatibility with the ecosystem of the financial services industry ; And the requirements for the continuous upgrading of the comprehensive security mechanism . The global fintech blockchain market is 2022 The year is estimated to be 13 Billion dollars , Expect to 2026 The revised scale in will reach 87 Billion dollars , The compound annual growth rate is 44.8%.（ Weiyang.com ）

Expert opinion

For the innovation and development of financial technology , Yang Tao, deputy director of the national finance and development laboratory, believes that , In order to innovate financial science and technology in the new situation, it is necessary to balance value and safety . Fintech innovation can not just “ Good is not good ”, We need to really explore the landing scene , And achieve business sustainability . In view of the current situation of China's financial technology development , Yang Tao believes that the first is from a technical perspective , From big data 、 Artificial intelligence 、 Internet technology 、 Different levels of distributed technology , The latest evolution and application characteristics of related technologies are briefly analyzed . Second, from the perspective of the industry , From the perspective of banking industry , At present, most banks continue to increase investment in financial technology , Build a contingent of scientific and technological talents , Set up a fintech subsidiary and increase the competition for digitalization , The securities industry and insurance industry are also actively laying out . Third, from a business perspective , New technologies have a profound impact on all kinds of financial businesses . Financial technology , Existing financial genes , There are also information technology genes , Especially its interconnection 、 open 、 The high technology content makes the financial risk hidden 、 generalized 、 Infectious 、 The sudden characteristics are more obvious , Therefore, we should control risks and supervise from all aspects .（ Zhongguancun Internet Finance Research Institute ）

2 month 21 Japan , Issued by the state council 《“ the 14th Five-Year Plan ” The national plan for the development of the cause of aging and the elderly care service system 》, Proposed to vigorously develop the silver economy . Chief economist of Chuancai securities 、 Chen Li, director of the Institute, said , At present, China's silver economy is still in the growth period , The service and supervision system is not perfect .《 planning 》 The release of is conducive to promoting the diversified development of Yinfa economy , The birth of a new model 、 New formats are emerging . First, the pension industry and the Internet 、 big data 、 Artificial intelligence and other digital technologies have been developed in an integrated way . In terms of elderly care services , Realize the precise connection between enterprise services and the needs of the aging population through digital means ; In terms of articles for the aged , Realize intelligent interaction 、 Intelligent operation 、 Research and development of intelligent elderly care products with multi machine collaboration and other functions . Second, pension financial services will tend to be diversified , The existing types of endowment insurance are constantly diversifying . meanwhile , Further develop targeted payment and financial products , Promote the development and improvement of pension finance .（ Securities daily ）