国产日韩欧美_亚洲av无码国产精品久久_国产成人精品无码片区在线观看_日本强伦姧熟睡人妻完整视频

     為貫徹黨中央、國務院決策部署，落實中央經濟工作會議精神，進一步加強金融監管，防范化解銀行業風險，銀監會近日發布《關于銀行業風險防控工作的指導意見》（以下簡稱《指導意見》）。銀監會有關部門負責人回答了記者提問。

　　一、發布《指導意見》的背景是什么？

　　答：近年來，在黨中央、國務院的(de)正(zheng)確領導(dao)下(xia)，銀行業(ye)整體運行平(ping)穩，但(dan)面臨的(de)風(feng)(feng)險(xian)形(xing)勢依(yi)舊復(fu)雜。為貫徹(che)落實(shi)中央經濟工作會議(yi)精神(shen)，銀監會印(yin)發了《指(zhi)導(dao)意見》，決定進一步加強(qiang)銀行業(ye)風(feng)(feng)險(xian)防控工作，目的(de)是督促(cu)銀行業(ye)金(jin)融機(ji)構切實(shi)處置一批重點(dian)風(feng)(feng)險(xian)點(dian)，消除(chu)一批風(feng)(feng)險(xian)隱患，在嚴守不發生(sheng)系統性風(feng)(feng)險(xian)底線的(de)同時(shi)，進一步提升(sheng)風(feng)(feng)險(xian)管理(li)水平(ping)。

　　二、銀行業風險防控工作的目標和原則是什么？

　　答：加(jia)強銀(yin)行業風(feng)險(xian)防(fang)(fang)控工作(zuo)，將全面(mian)落實(shi)中央(yang)經濟工作(zuo)會議精神(shen)，按照堅持底線思維、分類施策、穩妥推進、標本兼(jian)治(zhi)的(de)(de)基本原則，把防(fang)(fang)控金融風(feng)險(xian)放到更加(jia)重要(yao)的(de)(de)位置(zhi)，切實(shi)防(fang)(fang)范化解(jie)銀(yin)行業當(dang)前(qian)面(mian)臨的(de)(de)突出風(feng)險(xian)，嚴守(shou)不發生系(xi)統性風(feng)險(xian)底線。

　　三、《指導意見》重點防控哪些類型風險，有哪些主要要求？

答(da)：《指導意(yi)見》重點防控(kong)(kong)以(yi)下類型風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)：一是(shi)(shi)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)信(xin)(xin)用風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)控(kong)(kong)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)摸清風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)底數，落實(shi)(shi)信(xin)(xin)貸(dai)(dai)(dai)(dai)及類信(xin)(xin)貸(dai)(dai)(dai)(dai)資(zi)(zi)產(chan)(chan)的(de)分類標準(zhun)(zhun)和(he)(he)(he)操作流(liu)程，真實(shi)(shi)、準(zhun)(zhun)確和(he)(he)(he)動態地(di)反映資(zi)(zi)產(chan)(chan)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)狀況；加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)統一授信(xin)(xin)、統一管(guan)(guan)(guan)理(li)(li)，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)新增(zeng)授信(xin)(xin)客(ke)戶(hu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)評估，嚴(yan)(yan)格(ge)不同層級的(de)審批權限。二是(shi)(shi)完善流(liu)動性(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)治理(li)(li)體(ti)系，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)完善風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監測覆蓋(gai)，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)重點機(ji)構(gou)(gou)管(guan)(guan)(guan)控(kong)(kong)，創(chuang)新風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)防控(kong)(kong)手(shou)段，定期(qi)開(kai)展(zhan)壓力測試，完善流(liu)動性(xing)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)應(ying)對(dui)預案，提(ti)前(qian)做(zuo)好應(ying)對(dui)準(zhun)(zhun)備(bei)。三是(shi)(shi)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)債券投資(zi)(zi)業(ye)(ye)(ye)務(wu)(wu)(wu)管(guan)(guan)(guan)理(li)(li)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)健全債券交(jiao)易(yi)內控(kong)(kong)制度，強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)債券業(ye)(ye)(ye)務(wu)(wu)(wu)集中管(guan)(guan)(guan)理(li)(li)機(ji)制，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)債券風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監測防控(kong)(kong)，嚴(yan)(yan)格(ge)控(kong)(kong)制投資(zi)(zi)杠桿(gan)。四是(shi)(shi)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)同業(ye)(ye)(ye)業(ye)(ye)(ye)務(wu)(wu)(wu)整(zheng)治，從控(kong)(kong)制業(ye)(ye)(ye)務(wu)(wu)(wu)增(zeng)量、做(zuo)實(shi)(shi)穿透管(guan)(guan)(guan)理(li)(li)、消化(hua)(hua)(hua)(hua)存量風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)、嚴(yan)(yan)查違規行(xing)為等方(fang)面明確監管(guan)(guan)(guan)要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)。五是(shi)(shi)規范(fan)銀(yin)(yin)(yin)行(xing)理(li)(li)財和(he)(he)(he)代銷業(ye)(ye)(ye)務(wu)(wu)(wu)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)理(li)(li)財業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)控(kong)(kong)，規范(fan)銀(yin)(yin)(yin)行(xing)理(li)(li)財產(chan)(chan)品設計，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)消費者保護，審慎開(kai)展(zhan)代銷業(ye)(ye)(ye)務(wu)(wu)(wu)。六是(shi)(shi)防范(fan)房(fang)地(di)產(chan)(chan)領域(yu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)分類實(shi)(shi)施房(fang)地(di)產(chan)(chan)信(xin)(xin)貸(dai)(dai)(dai)(dai)調(diao)控(kong)(kong)，強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)房(fang)地(di)產(chan)(chan)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)控(kong)(kong)，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)房(fang)地(di)產(chan)(chan)押(ya)品管(guan)(guan)(guan)理(li)(li)。七是(shi)(shi)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)地(di)方(fang)政府(fu)債務(wu)(wu)(wu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)控(kong)(kong)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)嚴(yan)(yan)格(ge)落實(shi)(shi)相關法律法規，強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)融(rong)(rong)(rong)(rong)(rong)資(zi)(zi)平臺風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)管(guan)(guan)(guan)控(kong)(kong)，規范(fan)開(kai)展(zhan)新型業(ye)(ye)(ye)務(wu)(wu)(wu)模(mo)式，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)對(dui)高(gao)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)區域(yu)的(de)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)防控(kong)(kong)。八是(shi)(shi)穩妥推進(jin)互聯網(wang)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)治理(li)(li)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)持續推進(jin)網(wang)絡借(jie)貸(dai)(dai)(dai)(dai)平臺（P2P）風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)專項整(zheng)治，做(zuo)好校園網(wang)貸(dai)(dai)(dai)(dai)、“現金(jin)(jin)(jin)貸(dai)(dai)(dai)(dai)”業(ye)(ye)(ye)務(wu)(wu)(wu)的(de)清理(li)(li)整(zheng)頓工(gong)作。九是(shi)(shi)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)外(wai)部沖(chong)擊風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)監測，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)重點防范(fan)跨(kua)境業(ye)(ye)(ye)務(wu)(wu)(wu)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)和(he)(he)(he)社會金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)，嚴(yan)(yan)厲打擊非(fei)法集資(zi)(zi)，防止(zhi)民(min)間金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)向銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)傳遞。十是(shi)(shi)其他風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)防控(kong)(kong)，要(yao)(yao)(yao)求(qiu)(qiu)(qiu)(qiu)(qiu)銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)構(gou)(gou)加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)案件風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)防范(fan)，強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)化(hua)(hua)(hua)(hua)信(xin)(xin)息(xi)科技風(feng)(feng)(feng)(feng)險(xian)(xian)(xian)(xian)(xian)防控(kong)(kong)，加(jia)(jia)強(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)(qiang)預期(qi)管(guan)(guan)(guan)理(li)(li)，維護銀(yin)(yin)(yin)行(xing)業(ye)(ye)(ye)經營(ying)穩定。

　　四、如何確保銀行業風險防控工作取得實效？

　　答：一(yi)是強化落(luo)實。各銀(yin)行業金融機(ji)構(gou)要切實履(lv)行風(feng)險(xian)防(fang)(fang)控主體責(ze)任，高度重視風(feng)險(xian)防(fang)(fang)控工(gong)作(zuo)，實行“一(yi)把手”負責(ze)制(zhi)(zhi)，制(zhi)(zhi)定可行性、針對(dui)性強的實施方案，嚴格自查整改(gai)。二(er)是強化問責(ze)。各級(ji)監(jian)管機(ji)構(gou)要做到(dao)守土有責(ze)，及時開展(zhan)工(gong)作(zuo)督(du)查，對(dui)自查整改(gai)不到(dao)位、存(cun)在(zai)違法違規問題的機(ji)構(gou)，要嚴肅(su)問責(ze)。三是強化督(du)導(dao)。銀(yin)監(jian)會將(jiang)根據(ju)風(feng)險(xian)防(fang)(fang)控工(gong)作(zuo)進展(zhan)情(qing)況進行督(du)查，推動風(feng)險(xian)防(fang)(fang)控工(gong)作(zuo)有序開展(zhan)。