發布(bu)日期：2023-11-14

    中(zhong)央(yang)金(jin)融(rong)工(gong)(gong)作(zuo)會(hui)議強調“堅持把(ba)防(fang)控風險作(zuo)為(wei)金(jin)融(rong)工(gong)(gong)作(zuo)的永恒主題”。近日，國家(jia)金(jin)融(rong)監(jian)(jian)督管(guan)理總局召(zhao)開學習(xi)貫徹中(zhong)央(yang)金(jin)融(rong)工(gong)(gong)作(zuo)會(hui)議精(jing)神專題研(yan)討班暨(ji)監(jian)(jian)管(guan)工(gong)(gong)作(zuo)座談會(hui)（以下(xia)簡(jian)稱(cheng)監(jian)(jian)管(guan)工(gong)(gong)作(zuo)會(hui)）要求，堅持目標導向(xiang)、問題導向(xiang)，對風險早識別、早預警(jing)、早暴露、早處置，牢牢守住不發生系統(tong)性金(jin)融(rong)風險底線。

    黨(dang)的(de)十八大以來(lai)，在黨(dang)中央(yang)集中統一(yi)領導下，金(jin)融系統有(you)(you)力支撐經濟社會發(fa)展(zhan)大局，堅決打好防范(fan)化解重(zhong)大風(feng)險(xian)攻堅戰，為(wei)如期全面建成小康(kang)社會、實現第一(yi)個百年奮斗(dou)目標作出(chu)了重(zhong)要貢獻。歷史實踐(jian)證明，切實防控金(jin)融風(feng)險(xian)，才(cai)能有(you)(you)力推動金(jin)融業持續健康(kang)發(fa)展(zhan)，才(cai)能服(fu)務經濟社會高質量發(fa)展(zhan)。

    切(qie)實防控金融(rong)風(feng)險(xian)，必須(xu)打好主動(dong)仗。“明者(zhe)(zhe)防禍于未萌，智者(zhe)(zhe)圖患于將(jiang)來”。防范(fan)化解金融(rong)風(feng)險(xian)，須(xu)有見微知著的(de)(de)本領。要全(quan)面加強金融(rong)監(jian)(jian)管(guan)(guan)(guan)，切(qie)實提高金融(rong)監(jian)(jian)管(guan)(guan)(guan)有效性，對金融(rong)風(feng)險(xian)做到防范(fan)從嚴、抓早抓小。監(jian)(jian)管(guan)(guan)(guan)工(gong)作會(hui)指出(chu)，堅持(chi)強監(jian)(jian)管(guan)(guan)(guan)嚴監(jian)(jian)管(guan)(guan)(guan)，推(tui)動(dong)“五大監(jian)(jian)管(guan)(guan)(guan)”在系統全(quan)面落實，著力提高監(jian)(jian)管(guan)(guan)(guan)的(de)(de)前瞻性、精準(zhun)性、有效性和協同(tong)性。協同(tong)構(gou)建(jian)全(quan)覆蓋的(de)(de)金融(rong)監(jian)(jian)管(guan)(guan)(guan)體制機制，實現同(tong)責共擔、同(tong)題共答(da)、同(tong)向(xiang)發力，確(que)保(bao)金融(rong)監(jian)(jian)管(guan)(guan)(guan)無(wu)死角(jiao)、無(wu)盲(mang)區、無(wu)例外(wai)。

    切實(shi)防(fang)控金(jin)(jin)融風(feng)險(xian)(xian)(xian)，必須(xu)牽住(zhu)“牛鼻(bi)子”。監管工作(zuo)(zuo)會上，國(guo)家金(jin)(jin)融監督(du)管理總局從推動深化(hua)金(jin)(jin)融供(gong)給側結構性改革、更好防(fang)范化(hua)解重(zhong)大(da)金(jin)(jin)融風(feng)險(xian)(xian)(xian)的角度(du)，提出了今后的工作(zuo)(zuo)重(zhong)點(dian)之(zhi)一——深入推進中小(xiao)金(jin)(jin)融機(ji)構改革轉型。這(zhe)項工作(zuo)(zuo)需要把握的是，堅(jian)持分(fen)類指(zhi)導(dao)、“一省一策”原則，認真(zhen)履行監管職(zhi)責，推動地(di)方黨(dang)委政府制定(ding)實(shi)施中小(xiao)金(jin)(jin)融機(ji)構改革化(hua)險(xian)(xian)(xian)方案，協(xie)同做(zuo)好風(feng)險(xian)(xian)(xian)化(hua)解工作(zuo)(zuo)。

    切實(shi)(shi)防(fang)(fang)(fang)控(kong)金(jin)(jin)融(rong)風(feng)險(xian)(xian)，必須(xu)用(yong)好(hao)辯(bian)證(zheng)法(fa)。這(zhe)就要(yao)(yao)求深(shen)刻理解(jie)防(fang)(fang)(fang)風(feng)險(xian)(xian)、惠實(shi)(shi)體(ti)和(he)促發(fa)展(zhan)三者之間(jian)的(de)(de)辯(bian)證(zheng)關系。為實(shi)(shi)體(ti)經(jing)(jing)濟(ji)(ji)(ji)服(fu)務是金(jin)(jin)融(rong)的(de)(de)根(gen)本宗(zong)旨(zhi)，也(ye)是防(fang)(fang)(fang)范金(jin)(jin)融(rong)風(feng)險(xian)(xian)的(de)(de)根(gen)本舉措。只有(you)全面(mian)深(shen)入(ru)做好(hao)風(feng)險(xian)(xian)防(fang)(fang)(fang)控(kong)工(gong)(gong)(gong)作(zuo)，才能營造出(chu)健(jian)(jian)康(kang)的(de)(de)金(jin)(jin)融(rong)環(huan)境(jing)，從而促進實(shi)(shi)體(ti)經(jing)(jing)濟(ji)(ji)(ji)高(gao)質(zhi)量(liang)發(fa)展(zhan)。如(ru)若風(feng)險(xian)(xian)防(fang)(fang)(fang)控(kong)工(gong)(gong)(gong)作(zuo)不(bu)到位，不(bu)僅談不(bu)上健(jian)(jian)康(kang)金(jin)(jin)融(rong)環(huan)境(jing)建(jian)(jian)設(she)，還(huan)會(hui)(hui)影響經(jing)(jing)濟(ji)(ji)(ji)社會(hui)(hui)高(gao)質(zhi)量(liang)發(fa)展(zhan)大(da)(da)局，甚至造成不(bu)必要(yao)(yao)的(de)(de)損失。在做好(hao)風(feng)險(xian)(xian)防(fang)(fang)(fang)控(kong)的(de)(de)前提下，健(jian)(jian)康(kang)的(de)(de)金(jin)(jin)融(rong)環(huan)境(jing)亦可有(you)力促進實(shi)(shi)體(ti)經(jing)(jing)濟(ji)(ji)(ji)的(de)(de)發(fa)展(zhan)，并(bing)進一(yi)步夯實(shi)(shi)防(fang)(fang)(fang)范化解(jie)金(jin)(jin)融(rong)風(feng)險(xian)(xian)的(de)(de)根(gen)基。在服(fu)務實(shi)(shi)體(ti)經(jing)(jing)濟(ji)(ji)(ji)中防(fang)(fang)(fang)范化解(jie)風(feng)險(xian)(xian)，在防(fang)(fang)(fang)范化解(jie)金(jin)(jin)融(rong)風(feng)險(xian)(xian)中促進實(shi)(shi)體(ti)經(jing)(jing)濟(ji)(ji)(ji)發(fa)展(zhan)，就能真正實(shi)(shi)現金(jin)(jin)融(rong)與經(jing)(jing)濟(ji)(ji)(ji)的(de)(de)良性(xing)循(xun)(xun)環(huan)。監管工(gong)(gong)(gong)作(zuo)會(hui)(hui)要(yao)(yao)求，不(bu)斷提升(sheng)經(jing)(jing)濟(ji)(ji)(ji)金(jin)(jin)融(rong)適配性(xing)，全力以赴支(zhi)持中國(guo)式現代(dai)化建(jian)(jian)設(she)。更好(hao)發(fa)揮(hui)保(bao)險(xian)(xian)業的(de)(de)經(jing)(jing)濟(ji)(ji)(ji)減震器和(he)社會(hui)(hui)穩(wen)定(ding)器功能。促進金(jin)(jin)融(rong)與房(fang)地產良性(xing)循(xun)(xun)環(huan)。大(da)(da)力支(zhi)持超大(da)(da)特大(da)(da)城市“平急兩用(yong)”公共基礎設(she)施、城中村改(gai)造、保(bao)障性(xing)住房(fang)等“三大(da)(da)工(gong)(gong)(gong)程”建(jian)(jian)設(she)。

    防(fang)范化(hua)解重大金融風(feng)(feng)險(xian)(xian)(xian)既(ji)(ji)是攻堅戰，也是持(chi)久戰。我國(guo)經(jing)濟長(chang)期向好的(de)(de)基本面不(bu)(bu)會改變(bian)(bian)，作為全球經(jing)濟增(zeng)長(chang)主引擎的(de)(de)地位不(bu)(bu)會改變(bian)(bian)，這也是我們防(fang)范化(hua)解風(feng)(feng)險(xian)(xian)(xian)的(de)(de)最大支撐和保障。中央金融工作會議強調，把(ba)(ba)握(wo)好快和穩的(de)(de)關系，在穩定大局(ju)的(de)(de)前(qian)提下把(ba)(ba)握(wo)時(shi)度效，扎實(shi)穩妥(tuo)化(hua)解風(feng)(feng)險(xian)(xian)(xian)。金融風(feng)(feng)險(xian)(xian)(xian)是動態的(de)(de)，要(yao)始終(zhong)以“時(shi)時(shi)放心不(bu)(bu)下”的(de)(de)責(ze)任感，突出(chu)重點、把(ba)(ba)握(wo)節奏、精準(zhun)發(fa)力，穩慎化(hua)解存(cun)量風(feng)(feng)險(xian)(xian)(xian)、堅決遏制增(zeng)量風(feng)(feng)險(xian)(xian)(xian)。既(ji)(ji)要(yao)在化(hua)解存(cun)量風(feng)(feng)險(xian)(xian)(xian)上用力，又不(bu)(bu)能放松對(dui)增(zeng)量金融風(feng)(feng)險(xian)(xian)(xian)的(de)(de)防(fang)范。

    居(ju)安思危(wei)，思則(ze)有備，有備無患。學(xue)習貫徹中央(yang)金(jin)融(rong)(rong)工作會(hui)議精神，深(shen)入(ru)落實監管(guan)工作會(hui)要(yao)求，金(jin)融(rong)(rong)機(ji)構要(yao)牢固樹立(li)正確經營觀、業(ye)績觀和風險觀，應始終(zhong)堅(jian)(jian)持(chi)把防范(fan)化解金(jin)融(rong)(rong)風險擺在突出位置。要(yao)積(ji)極參(can)與地方債務防范(fan)化解長效機(ji)制(zhi)建設，做(zuo)好(hao)金(jin)融(rong)(rong)支(zhi)持(chi)房地產(chan)市場(chang)平(ping)穩健康發(fa)展工作。特(te)別(bie)是，金(jin)融(rong)(rong)機(ji)構要(yao)強化公司治理(li)、轉換經營機(ji)制(zhi)、完善管(guan)理(li)流程，加快建立(li)中國(guo)特(te)色現代(dai)金(jin)融(rong)(rong)企業(ye)制(zhi)度。在外部環境日趨復雜(za)嚴峻的背景(jing)下，金(jin)融(rong)(rong)機(ji)構要(yao)堅(jian)(jian)持(chi)穩健經營方式，做(zuo)好(hao)業(ye)務合(he)規管(guan)理(li)，實現高質量發(fa)展。

（來源：中(zhong)國(guo)銀(yin)行保險報）