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The following is a report on the prevention and control of financial risks. Welcome to read and learn from it. ?

? Provincial financial office:?

According to the municipal party committee? Promote development and guard against risks? Decision-making and deployment, according to? Active prevention and control, early warning in place, timely resolution and proper handling? In accordance with the principle of "financial risk management", strengthen the early warning, monitoring and disposal of various financial risks in the city. ?

First, the preliminary work?

(1) Strengthen the system construction and straighten out the working mechanism. According to the unified deployment of the Municipal Party Committee and the Municipal Government, the Notice on Establishing the Leading Group for Financial Risk Prevention and Control in XX City, the Plan on Improving the Mechanism for Financial Risk Prevention and Control, and the Notice on Adding the Brand of the Leading Group for Combating and Handling Illegal Fund Raising and Enriching the Member Units in the Leading Group for Financial Risk Prevention and Control in XX City were drafted one after another, and a leading group for financial risk prevention and control composed of 33 relevant departments was established to fully deploy the financial risk prevention and control work in the whole city. ?

(2) Strengthen monitoring and early warning, and strengthen risk investigation. A comprehensive financial risk monitoring and early warning mechanism has been established, and a monthly monitoring and early warning information system at the municipal level and a county-level monitoring and early warning system have been established. Zero report? System, banking institutions focus on monitoring the risk of credit portfolio and key customers at the same level, and the leading group offices at the city and county levels report the risk information provided by the centralized management department every month. In the whole city, we carried out the investigation of suspected illegal fund-raising risks and the investigation and cleaning up of suspected illegal fund-raising advertising information. ?

(three) to develop emergency plans, clear disposal process. Improve the emergency plan for financial risks, and formulate corresponding mechanisms and processes for different types of risks, such as illegal fund-raising by the people, broken capital chain of enterprises, interconnection and mutual insurance risks, and guarantee circle (chain) risks. In view of the potential risks involving a wide range and great influence, a special emergency plan has been formulated. ?

(4) Resolving risks at different levels and maintaining financial stability. County level, according to? Who's in charge? Who's in charge? In principle, for financial risks involving local enterprises, the county and city leading groups will take the lead in resolving them; Major risk cases involving multiple regions, wide social impact and huge amount shall be reported by the local leading group to the coordination office of the municipal leading group. ?

(V) Establish a bank debt committee and adhere to multi-party linkage. For risky enterprises, the largest creditor bank will take the lead, set up a creditor bank committee in time, establish a communication and dialogue mechanism between government, banks and enterprises, strengthen the collection and analysis of enterprise information, fully grasp important information such as their industry prospects, management capabilities, business activities, external guarantees, related party transactions, cross-default, risk status, coordinate the unified actions of all parties, effectively control and classify risks, and ensure the safety of bank credit funds and the normal business activities of enterprises. ?

Second, urban financial risk analysis?

Up to now, the offices of the leading group for the prevention and control of financial risks at the city and county levels have monitored 74 financial risk point enterprises, 58 key enterprises and 28 financial institutions, involving funds of XX billion yuan and non-performing loans of XX billion yuan. ?

(A) the city's financial risk distribution. ?

From the perspective of risk types, the financial risk event XX in this city mainly involves guarantee circle (chain), capital chain breakage, malicious evasion of debts, and suspected illegal fund-raising. Among them, there were XX cases involving capital chain risk, accounting for 52.5%, XX cases involving guarantee circle (chain) risk 1 1, accounting for 27.5%, 5 cases of malicious debt evasion, accounting for 12.5%, and XX cases of suspected illegal fund-raising risk. ?

In terms of geographical distribution, financial risks are frequent in areas with rapid economic development and active finance. Among them, the number of financial risk events in XX city, XX city, XX district and XX district is XX, accounting for 62.5% of the total number of financial risk events in the city. Financial risk events are universal, and all counties and cities have financial risk events except XXX. ?

From the perspective of industry attributes, there are many financial risk events in traditional backward industries, mainly concentrated in textile, machinery, food and other industries, including 4 in textile industry, 6 in food industry, 3 in machinery manufacturing 13, and 3 in chemical industry, accounting for XX% of the financial risk events in the city. ?

Judging from the distribution of financial institutions, there are many financial institutions involved, including XX. There are XX banking institutions in the city leading the establishment of XX creditor's rights banking committees, among which, there are XX headed by Agricultural Bank, four headed by banks and XX headed by China Bank, accounting for 83% of all creditor's rights committees. ?

Judging from the resolution results, the city * * * resolved the financial risk events of XX, among which, the county and city took the lead in resolving XX, and the municipal level took the lead in resolving XX, focusing on resolving the financial risk events of a number of municipal key enterprises such as XX. There are still 10 financial risk events being solved. ?

(2) Pay attention to risk points. Through the comprehensive analysis of financial risk events in our city, at present, we should focus on the following issues:

First, focus on the transformation and upgrading of backward industries. In the process of high-speed economic operation in the early stage, there were serious investment and overcapacity in traditional industries such as textile, machinery and chemical industry, but the current economy? New normal? At present, the macro-policy forces the industrial transformation and upgrading, the production capacity is backward, the market demand is reduced, and the single financing channel leads to the difficulties in the operation of traditional industries, and the capital chain is tense, which can easily lead to financial risks such as the break of the capital chain and the risk spread of the guarantee circle. ?

The second is to focus on malicious evasion of debts. Many enterprises choose to transfer assets, operate with empty shells and operate as legal persons. In the case of market depression, self-management confusion and insolvency. At the same time, due to the imperfect social credit system, disorderly competition among banks leads to multiple accounts, lax loan review and excessive lending, which provides an opportunity for malicious evasion of debts, which is extremely sudden and concealed and difficult to crack down on. ?

The third is to pay attention to the potential regional risks of individual counties and cities. Up to now, the loan balance of XX customers with loan balance of more than 50 million yuan in XX city in various banks is XX billion yuan, of which 3/kloc-0 enterprises whose loans are classified as concerns involve XX billion yuan, accounting for 2 1.2% and1.26% respectively, and loans are included in bad accounting. And with the extension of the security circle (chain), it may spread. ?

Fourth, focus on enterprises with large tax arrears. According to the feedback from the State Taxation Bureau and the Local Taxation Bureau, by the end of March, there were 84 enterprises with tax arrears of more than 50,000 yuan, mainly in real estate, textile, machinery, chemical industry and other industries, and 9 enterprises with tax arrears of more than 6,543,800 yuan, of which 5 enterprises belonged to real estate development enterprises. The next step is to strengthen the risk information monitoring of real estate enterprises and traditional industries, and grasp the early and small. ?

Fifth, pay attention to the risk of illegal fund-raising. At present, there are various ways and means of financial crimes. Some illegal organizations, in the name of formal financial institutions and farmers' cooperatives, promised to pay high interest and illegally absorbed deposits from their members. The new peer-to-peer lending platform and financial management platform are complicated and difficult to distinguish between true and false. Cyber-financial crimes have strong concealment and wide geographical scope, and the network financial risk supervision system is immature, so it is difficult to effectively supervise and crack down. ?

Third, what's your next plan?

First, guide the scientific development of enterprises and guard against financial risks. Judging from the causes of financial risk events in our city, many enterprises are greedy for big and quick, blindly expanding, backward in management and single in financing mode. Under the new economic normal, we should vigorously guide enterprises to accurately grasp the market rules, improve the modern enterprise management system, base ourselves on the industry, rationally dispose of funds, enhance the overall strategic planning, realize the gradient and sustainability of development, and reduce risks from the source. ?

The second is to further improve the financial risk disposal mechanism. Judging from the successful experience of dealing with financial risks in the early stage, it is very important for banks, enterprises and governments to grasp information in time, seize opportunities and deal with financial risks effectively. It is necessary to continue to improve the monitoring and early warning mechanism of financial risks, improve emergency plans and disposal processes, and strengthen coordination and cooperation among all parties to ensure that risks are disposed of in a timely and effective manner after they occur. ?

The third is to innovate the policy tools for financial risk disposal. Increase the compensation for loan risk compensation funds of small and micro enterprises, and XX Group will set up a policy-based financial asset operation company to cooperate with the handling of non-performing loans of banks. Promote the capital increase and share expansion of guarantee companies at the city and county levels, and strengthen and expand the guarantee companies guided by the government; Give full play to the function of the municipal re-guarantee group, establish and improve the re-guarantee mechanism, and gradually replace the mutual insurance and joint guarantee relationship between enterprises with the financing guarantee of professional guarantee institutions. ?

The fourth is to severely crack down on malicious evasion of financial debts. Conscientiously implement the municipal government's "Minutes of Special Meeting on Promoting Banking Loan Dispute Cases in the City" (NoXX), and jointly with the judicial department, carry out centralized disposal of banking loan dispute cases in the city. Strengthen the self-discipline of financial institutions, improve the management system, and strengthen the supervision of asset flow. Improve the risk prevention awareness of financial institutions, complete mortgage and pledge procedures, and reduce the risk of lending. Improve the social credit system and increase the illegal cost of maliciously evading debts. ?

Fifth, do a good job in financial risk prevention and publicity. Continue to carry out financial risk prevention publicity activities, and use new media such as WeChat platform and Internet, as well as radio, television and newspapers. Vigorously popularize financial knowledge, strengthen risk early warning, especially guide correct investment and financial management, improve people's ability to identify risks, and consciously resist all kinds of illegal financial activities such as illegal fund-raising. ?

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