Speech at the city's financial work conference 1
The city's financial work conference was very successful because of its short time, heavy task and high efficiency. Comrade Zhang Tao reported the city's financial work and key tasks in 20xx. Hanbin District Government, Ankang Branch of Chang 'an Bank, Ankang Office of Credit Cooperatives and Ankang Development and Investment Group made experience introductions and statements respectively. The meeting also commended the advanced units and individuals in financial work in 20xx. Finally, Mayor Bao's important speech fully affirmed the achievements of the financial work in the Twelfth Five-Year Plan from the overall height of the city's reform and development, and emphasized the objectives, tasks, key tasks and main measures of this year's financial work. It is very grounded and highly operational, so please implement it seriously. Below, I will implement the spirit of this meeting, especially the spirit of Mayor Bao's speech, and emphasize several opinions.
First, clearly grasp the situation, challenges and opportunities of economic and financial operation in our city. Comrades who do economic work must accurately grasp the situation of economic operation and fully mobilize the enthusiasm of economic factors. The financial industry is the most important and even decisive factor in the economic development of Ankang at present. If we study economic operation without financial work, economic decision-making may be wrong and aimless. Therefore, we must accurately grasp the situation, challenges and opportunities of our city's economic operation.
There are three main trends in Ankang's current economic operation. First, Ankang's economic operation is benign and sustainable, which is related to Ankang's circular development orientation and location advantages in the country, which determines that the future development of Ankang's economy will not be ups and downs, which is the most basic trend. Second, judging from the general trend of the national economic downturn, the speed and quality of Ankang's economic operation are better than we expected. Since the "Twelfth Five-Year Plan", the city's economy has always maintained double-digit growth, especially last year, the city's GDP, the added value of the secondary industry, the investment in fixed assets, the growth rate of highway passenger and cargo transportation, and the proportion of the non-public economy all ranked first in the province, which can be verified. Third, although the economy can develop healthily and continuously, and it is better than expected, Ankang is still a poor and backward area, with extensive economic management, relatively low per capita GDP level and unfinished core competitiveness. This basic market situation has not been fundamentally changed.
Ankang currently faces three major challenges. The first challenge is that the macroeconomic downturn lasts for a long time and when will it bottom out. There is no accurate conclusion yet. The continuous decline will have an impact on employment, income of urban and rural residents, effective supply of social security policies and social stability. The second challenge is that the economic operation of Shaanxi and Ankang is not as optimistic as GDP, such as taxation. Last year, the national tax revenue increased by 6.6%, the provincial growth rate was -3.4%, and the market growth rate was 2.2%, of which the municipal growth rate was 12% and the county growth rate was-1%. The city has maintained rapid development. First, relying on Ankang Development Investment Group. Although it has not been established for a long time, it paid more than 70 million yuan in taxes last year, and its subordinate financing guarantee companies and microfinance companies ranked 10 before paying taxes in the city. Second, the deed tax of 70 million yuan that was stagnant last year was paid in one lump sum. We must have a clear understanding of this. The third challenge is that the current means to promote economic development are still very weak and cannot play a strong role in promoting it. In the past, growth depended on reform and opening up and the introduction of foreign capital. At present, foreign capital does not enter, but domestic capital goes out. We should fully understand the challenges faced by the macro-economy and the outstanding problems existing in China's economic operation.
Compared with the whole province, Ankang currently faces more opportunities. The first opportunity is Ankang's location advantage, development strategy and development model, such as the South-to-North Water Transfer Project, the pilot demonstration of the construction of national main functional areas, and the development of circular economy. At present, the most serious macroeconomic problem in China is the economic downturn. We have to go to stock, but our pressure is much smaller than that in China. Some minerals and energy-intensive industries have been shut down ahead of schedule, while the real estate industry is expected to increase investment in the last two or three years due to the implementation of policies such as shantytown renovation, resettlement in southern Shaanxi and poverty alleviation. The second opportunity is that Ankang has more opportunities to get rid of poverty than other places. In the past, poverty alleviation was used to look at the overall situation of rural work. Now, the central government proposes to look at the overall situation of economic and social development with poverty alleviation. Therefore, poverty alleviation is not individual, but overall, which will bring great changes to the overall work. At the same time, all counties and districts in our city 10 are within the jurisdiction of Qinba Poor Company, and can enjoy the coverage of poverty alleviation policies in the province. In addition, Ankang is not only the contact point of the Central Poverty Alleviation Office, but also the contact point of the economic operation of the Central Financial Office, which will undoubtedly receive inclined support from all sides. The third opportunity is that some major experimental and demonstration projects have settled in Ankang, especially the combination of financial work and poverty alleviation. For example, the National People's Congress approved the State Council's "two rights" secured mortgage loan, and the construction of national policy-oriented financial poverty alleviation pilot demonstration zone and provincial-level financial precision poverty alleviation demonstration zone, all of which have high gold content and can effectively promote the economic development of Ankang. Therefore, while facing challenges, we also have more opportunities than other places. We must seize the opportunity and face the difficulties.
Two, make full use of financial leverage to promote the rapid economic development of the city.
Our city's "Twelfth Five-Year Plan" sustainable development and five indicators ranked first in the province in 20xx. Except that there was no cliff-like decline of kerosene gas in northern Shaanxi, there was no great pressure to destock in other places, our city's financial industry played a fundamental role in boosting. In 20 1 1 year, the balance of deposits and loans of banking financial institutions in the city was 56.7 billion yuan and 25.9 billion yuan respectively, and in 20xx year, the balance of deposits and loans reached103.3 billion yuan and 54.7 billion yuan respectively, and loan-to-deposit ratio increased from 45% to 53%, an increase of 8 percentage points. In other words, the loan balance of financial institutions increased from 25.9 billion yuan to 54.7 billion yuan, with a net increase of nearly 30 billion yuan. According to the conventional financial leverage of 1: 5, social capital can be leveraged150 billion yuan. Therefore, the fundamental factor that really supports Ankang's economic development in the Twelfth Five-Year Plan is finance. During the Twelfth Five-Year Plan period, the growth rate of deposit balance in our city has been above 15%, and the growth rate of loan balance has been above 18%. The loan growth rate has been in the first and second phalanx of the province, and it can achieve such results. On the one hand, relying on the great attention and strong support of the municipal party committee and the municipal government, the municipal party committee and the municipal government set up Ankang Development Investment Group under the condition of very tight financial resources. Established the largest financing guarantee company in the province, with registered capital of 1 100 million yuan and guarantee capacity of 1 100 million yuan. At the same time, the largest microfinance company in the province was established with a registered capital of 1 100 million yuan, and financing guarantee and microfinance companies were used to boost credit supply. On the other hand, with the joint efforts of the city's financial industry, during the Twelfth Five-Year Plan period, the number of municipal banks increased from 6 to 8, county banks from 38 to 47, insurance companies from 14 to 26, and securities business departments from 1 4 to 4. A number of financial reforms and financial innovations are at the forefront of the province, especially 65,433 commended by the provincial credit cooperatives last year. Local financing institutions in our city have also developed rapidly in recent years. For example, the number of small loan companies has increased from 7 in 20 1 1 to 22 in 20xx, the registered capital has increased from 440 million yuan in 20 1 1 to 2.5 billion yuan in 20xx, and the loans issued have increased from 20 1 1 to 680 million yuan.
The financial work in the Twelfth Five-Year Plan has played an important leverage role. During the "Thirteenth Five-Year Plan" period, finance is still the most powerful means for the city's economic development to achieve good development performance. We must rely on financial means to further promote the economic development of our city. Just now, Mayor Bao made a comprehensive deployment of the city's 20xx financial work. The core of implementing the spirit of Mayor Bao's speech is to do eight key tasks:
First, strive to complete this year's deposit and loan targets and tasks. The Municipal Finance Office, Ankang Central Sub-branch of the People's Bank of China and Ankang Banking Supervision Sub-bureau are responsible for fully completing the increase of 16%, increase of1700 million yuan, balance of12 billion yuan, increase of 18%, increase of 10 billion yuan and balance of 66 billion yuan issued by the municipal government. The municipal development and investment group is responsible for inciting social capital to reach 654.38+0 billion yuan, of which the guarantee amount of the municipal Caixin financing guarantee company reaches 4 billion yuan, the loan amount of Caixin small loan company reaches 4 billion yuan, the pawn amount of pawn company reaches 654.38+0 billion yuan, the direct financing of the municipal development and investment group reaches 654.38+0 billion yuan, and the profits and taxes reach 60 million yuan respectively.
The second is to comprehensively start the construction of high-tech financial clusters. Building a high-tech financial service cluster is a powerful measure to greatly enhance the function of modern financial services, continuously enhance the radiation-driven ability of financial agglomeration, and realize the strategic goal of "catching up and leaping forward, enriching the people and rejuvenating the country, developing and upgrading, and rising green". It is also an inevitable choice for our city to deepen financial reform and innovation, enhance the ability of financial services to the real economy, realize economic transformation and upgrading, and realize the rapid development of financial formats. It is also an inevitable choice to push the center city's center of gravity northward, accelerate the development of national high-tech zones, promote the upgrading of financial industry and build a modern financial service system. Therefore, the construction of financial agglomeration areas is not simply a matter of building several houses and setting up several business outlets, but a matter of scale, agglomeration development and radiation-driven. Therefore, we should start construction in an all-round way this year. Before the end of April, the Municipal Finance Office, Ankang Central Sub-branch of the People's Bank of China and Ankang Banking Supervision Branch are responsible for formulating and improving the five-year construction plan of Ankang High-tech Financial Service Cluster. Development and Investment Group is responsible for the construction of Ankang Development and Investment Building before the end of June, with the cooperation of High-tech Zone. The Ankang Office of the Credit Union is responsible for the planning of Ankang Financial Building at the end of June, and the construction will start before the end of February. Ankang Branch of China Construction Bank completed the plan of moving northward this year and started construction in the first half of 20 17. The People's Bank of China Ankang Central Sub-branch, Ankang Banking Supervision Sub-branch and Xi Bank Ankang Sub-branch are now planning to move northward, and will take the lead in moving northward in the second half of 20 17 or the first half of 20 18. Other financial institutions, such as small loans, financing guarantees, pawn companies, insurance companies, etc., which cannot be moved northward as a whole, should gradually gather in development and investment buildings and financial buildings.
The third is to continuously increase the financial poverty alleviation work. It is a solemn commitment of the CPC Central Committee to the whole world to win the battle against poverty and ensure that the rural poor will be lifted out of poverty by 2020. Finance should take the lead in getting rid of poverty. Therefore, financial institutions should carefully plan, intervene in advance and vigorously implement financial poverty alleviation projects. The Municipal Bureau of Poverty Alleviation, the Municipal Finance Office and the Ankang Central Sub-branch of the People's Bank of China are responsible for faithfully implementing the relevant policies of financial poverty alleviation in China Province. The core is to implement the "532 1" microfinance policy for financial poverty alleviation (less than 50,000 yuan, less than 3 years, no mortgage, no guarantee, and poverty alleviation interest subsidy). The Municipal Bureau of Poverty Alleviation, the Ankang Central Sub-branch of the People's Bank of China and the Ankang Sub-branch of the Agricultural Development Bank are responsible for speeding up the establishment of financial precision poverty alleviation demonstration zones and policy financial poverty alleviation experimental demonstration zones, and at the same time stepping up efforts to enable the two demonstration zones to have tangible poverty alleviation measures and actions. The Municipal Bureau of Poverty Alleviation, the Municipal Development and Investment Group and the Ankang Branch of the Construction Bank are responsible for establishing a special poverty alleviation fund of 654.38 billion yuan by the end of June.
The fourth is to further promote financial reform and innovation. The Ankang Central Sub-branch of the People's Bank of China, the Ankang Office of the Credit Union and the Municipal Finance Office are responsible for promoting the pilot experience to the whole city on the basis of earnestly summing up and improving the pilot experience of expanding effective collateral in Pingli. Ankang Banking Supervision Branch and Ankang Office of Credit Cooperatives are responsible for the restructuring of rural credit cooperatives in Ningshan and zhenping county into rural commercial banks. Based on Hanbin District Credit Cooperatives, Ankang Rural Commercial Bank was established to realize the full coverage of rural credit cooperatives reform in our city.
The fifth is to further strengthen the construction of the financial service system. We should always take improving the financial service system as a powerful starting point to accelerate the development of the financial industry. Ankang Banking Supervision Branch and Municipal Finance Office are responsible for completing the listing of Xi Bank Ankang Branch before the end of April. Ankang Banking Supervision Branch, Municipal Finance Office and Development and Investment Group are responsible for initiating the application for the establishment of Ankang Commercial Bank, relying on Caixin Microfinance Company. The Municipal Finance Office and the Municipal Development and Investment Group are responsible for completing the establishment of Xi 'an Branch and Ankang High-tech Branch of the Municipal Finance and Credit Guarantee Company, and promoting the local financing institutions in our city to become bigger and stronger. The Municipal Finance Office and Ankang Banking Supervision Branch are responsible for supervising and coordinating ICBC, Agricultural Bank and China Construction Bank Ankang Branch to promote the sinking of institutions, expand county outlets and come up with plans.
Sixth, innovate and develop insurance work. The Municipal Finance Office and related insurance companies are responsible for strengthening the insurance work of core leading industries such as konjac, tea, water resources and tourism in our city, and exploring and studying the insurance work of financial industries such as microfinance and secured loan insurance. The Municipal Finance Bureau is responsible for guiding insurance companies to carry out insurance work in financing guarantee industry through the connection with related insurance businesses (such as vehicle compulsory insurance, etc.). ). The Municipal Finance Office, relevant departments and insurance companies are responsible for actively developing emerging insurance businesses such as comprehensive liability insurance, catastrophe insurance, cultural industry insurance, logistics insurance and poverty alleviation insurance.
Seventh, vigorously promote the construction of the credit system. Municipal Finance Office, Ankang Banking Supervision Branch, Municipal Public Security Bureau, Municipal Administration for Industry and Commerce and other departments are responsible for in-depth prevention, crackdown and disposal of illegal fund-raising. Based on grasping early and beating small ones, we will severely crack down on "underground" financial criminal activities such as usury, illegal fund-raising, underground money houses and illegal securities, standardize the development of "above-ground" financial institutions such as microfinance, financing guarantee and pawn, and resolutely hold the bottom line that no systematic and regional risks will occur. The Municipal Intermediate People's Court is responsible for further improving the exposure system of "Lao Lai" in the city's court system, insisting on the normalization of work, and the departments of development and reform, human society, poverty alleviation, civil affairs, planning, housing construction, industry and information should restrain "Lao Lai" in relevant preferential policies, such as restricting high consumption, restricting travel, restricting the purchase of luxury cars, and prohibiting participation in government project bidding. The Municipal Development and Reform Commission, the Municipal Finance Office, the Municipal Development Research Center, the Ankang Central Branch of the People's Bank of China and the Municipal Development and Investment Group are responsible for taking the construction of "credit well-being" as an important starting point for realizing financial security and promoting financial development, integrating financial credit data, establishing an information platform and a credit platform for local financing institutions, improving the financial credit system and vigorously preventing financial risks. Led by the Municipal Finance Office, with the cooperation of Ankang Central Sub-branch and Ankang Banking Supervision Branch of the People's Bank of China, the "Financial Service Promotion Year" activity was carried out among financial institutions and local financing institutions in the city.
Eighth, speed up social financing. The Municipal Development and Reform Commission, the Finance Department, the Ministry of Industry and Information Technology, the Finance Office, the People's Bank of China Ankang Central Branch and other departments are responsible for giving full play to the role of market players in social financing and continuously expanding the scale of social financing. During the year, we completed the investigation, collection, screening and cultivation of 100 key listed reserve enterprises, guided 2 enterprises to be listed in the national small and medium-sized enterprise equity transfer system (New Third Board), and listed 5 enterprises in regional equity exchange centers.
Third, strengthen employment security to ensure the sustained growth of the financial industry in promoting economic development.
First, we should attach great importance to it. Responsible comrades of county-level party committees, governments and municipal departments should thoroughly study financial work, further strengthen cooperation with financial institutions, support financial supervision departments to perform their functions according to law, support financial institutions to carry out normal business, and actively solve problems for financial institutions. Municipal Finance Office, Finance Bureau, Development and Reform Commission, Bureau of Industry and Information Technology, Ankang Central Branch of the People's Bank of China, Ankang Banking Supervision Branch and other departments should play a good role as a bridge between financial institutions and enterprises, carry out deep docking between banks and enterprises, and build a platform for zero-distance communication, efficient negotiation and low-cost financing cooperation. In particular, it is necessary to formulate a number of flexible and effective policies and measures to continuously mobilize the enthusiasm of financial institutions to support the development of the real economy.
Secondly, we must improve our service. Relevant departments at all levels should further increase their services to financial institutions, and actively cooperate with financial institutions in matters such as land use for projects, planning approval, and handling of real estate licenses, simplify procedures, and complete them within a time limit; Actively coordinate, resolve and eliminate the hidden dangers of letters and visits involving financial institutions; Financial talents who come to settle in our city should be paid attention to and implemented in housing, medical security and children's nursery. All financial institutions should conscientiously implement the relevant national financial policies, simplify the credit approval process, improve the approval efficiency, reduce financing costs, accelerate the innovation of financial products, and further increase support for the real economy.
Third, we must strengthen the assessment. The Municipal Assessment Office, the Municipal Finance Office, the Ankang Central Sub-branch of the People's Bank of China, and the Ankang Banking Supervision Sub-bureau shall, in accordance with the requirements of the Interim Measures for Assessment and Reward of Financial Institutions and Local Financing Institutions Supporting Local Economic Development in Ankang City (Anfufa [2065438+05] No.85), take the effectiveness of financial institutions supporting local economic development as an important part of supervision and assessment, strengthen the assessment, and ensure the smooth realization of financial objectives and tasks.