"Top-level design" revealed that deepen the financial reform with clear intention

On June 29, 2013 lujiazui "BBS", the China banking regulatory commission chairman shang fulin, first proposed the "top-level design" of the reform and development of Chinese banking. For Internet financial challenges, wang yong thought, from the "credit payment" to "balance", in the face of challenges, the banking institutions should not only see the crisis, should see more opportunities for development.

Shang fulin said: "the next step, we will as a whole at the top of banking reform and development of design, in accordance with the nature of the real economy and financial support to guard against financial risk, better play to the basic role of market allocation of resources, to better promote economic structural adjustment and transformation and upgrading." Based on the above principle, shang fulin from institutional system, service system, financial market system, management system and supervision system in five aspects, put forward the overall train of thought to the transformation of China's banking development. To this, some experts told reporters that the top-level design of the proposed reveal further deepening the reform of the financial regulatory department clear intention.

The top design of financial reform goal, the banking industry reform and development research center, said wang yong, director of the analysis the top-level design goal is to enhance the ability of financial institutions to deal with all kinds of risks, maintaining financial stability, play a role of financial reforms in the economic transformation, and guide financial institutions to better support the real economy, promote economic restructuring and industrial upgrading.

In wide coverage ", differentiation, high efficiency of the banking institutions system ", he offered to "guide banking reasonable positioning, scientific layout, by optimizing the classification in charge, promote differentiation competition, improve the support ability of economic transformation and upgrading."

Although the state and relevant departments in recent years many times put forward to speed up the development of private financial institutions, to encourage private capital into the financial sector, but in reality is still has many limitations.

Recently, the state council premier li keqiang has clearly put forward "to explore the establishment of folk capital initiated at their own risk of private bank". The supervision department of the central and private bank said again and again, also let people feel, the steps of private Banks have closer and closer.

For the benefits of private capital into the Banks, financial services essentially belong to the competitive industries, the competition is the basic way to improve supply and reasonable pricing. And the establishment of private Banks will play a "catfish effect", the filling parts of the financial supply of at the same time, also can make the entire banking industry has a new look. Guo tianyong warned, for now, private capital to set up the bank the will of the stronger, but also set up the process of gradual, prevent the happening of the risk.

In "close to the market, the root entity of banking service system", he put forward the "innovation service mechanism to improve service efficiency. Support and network, telecom operators to carry out the high level and deeper cooperation, innovation service mode, service channels and business products, with the help of the Internet end further enhance payment settlement, financing, consulting and other integrated services."

For Internet financial challenges, wang yong thought, from the "credit payment" to "balance", in the face of challenges, the banking institutions should not only see the crisis, should see more opportunities for development.

Relevant data shows, now many of the bank's electronic banking FenLiuLv by more than 70% of bank customers have become increasingly dependent on electronic channels. Bank of communications, vice President and chief information officer Hou Weidong said publicly, along with the in-depth application of computer technology and Internet technology, Banks use Internet technology to the product line of commercial Banks. Is the Internet financial information technology development to a certain stage inevitable product in the field of financial, it hit by entity intermediary financial activities of the traditional way, completely subverts the traditional commercial bank operation mode, profit mode and service mode. Therefore, commercial Banks must make a change.

In recent years, with the macroeconomic slowdown, platform and mortgage loan risk has been paid close attention to. And, according to situation is the auditor has provided parts and industry debt risk. In parts of the debt repayment excessive reliance on land transfer, road and other industries rely on to borrow new debt is old. At the same time, financial institutions, internal control and risk prevention mechanism is not sound, some branches by borrowing the new old, third-party replacement cover asset quality, a large number of credit funds be moved to the folk financial markets for high credit.

Wang Yongze Suggestions about it, processing platform loans and real estate loan risk, the bank and related departments to cooperate, take the "curing" approach, from two aspects including stock and incremental loans risk. He argued that for stock risk, Banks should actively search, the risk by improving the platform loan stock of cash flow coverage and effectiveness to pledge to avoid risk. For incremental loans, should make clear further loan purposes, continuously improve the transparency of platform is borrowed.

Compared with big Banks, small Banks wind control is weak, and vulnerable on post-loan management, thus small Banks platform of credit risk is relatively large, small Banks are more need to strengthen risk prevention awareness.