First of all: Now the financial industry in China has the ability to help.
According to the data of China Banking and Insurance Regulatory Commission, the accumulated net profit of commercial banks in 20021year was 2.2 trillion yuan, a year-on-year increase of 12.6%, compared with the increase of 10% in 20/9 years before the epidemic. With the growth rate of all banks declining or even negative growth, the profit growth rate of the six major state-owned banks is double-digit, around 1 1%. The last time this double-digit growth rate appeared, it dates back to 20 13 years. From then on, it can be clearly seen that when the current real economy is hit, the financial industry's previous concessions to enterprises and residents' loans are very limited. Now the financial industry as a whole still has a relatively large room for profit.
Next, the financial industry can benefit the real economy from the following three aspects: 1, actively docking enterprises, expanding the increment of renewal loans, opening up green channels, and making funds in place faster. 3, reducing fees and allowing enterprises to move forward lightly. There are always ways, and the key depends on the implementation.
Secondly, the poor industries are really difficult now, and they need help urgently to tide them over.
With the recurrence of the epidemic in the past two years, the impact on the real economy is enormous. This is especially true for service industries, such as catering, retail, tourism, civil aviation, highway, waterway and railway transportation. For these poor industries, it is necessary to increase the protection of bail-out and employment. For enterprises with operational difficulties, we can suspend the payment of endowment insurance premiums and enterprise housing provident fund to alleviate the financial pressure of these industries, especially small and medium-sized enterprises and individual industrial and commercial households. At the same time, we will continue to implement the policy of expanding unemployment insurance coverage, and timely grant subsidies to the insured unemployed and unemployed migrant workers. In addition, the proportion of stable return of unemployment insurance for small and medium-sized enterprises can be increased, which can increase the cash flow of enterprises, and is also an effective measure to encourage enterprises to keep employees in disguise and reduce the unemployment rate.
Furthermore, we must make more efforts, and multi-departments can work together to solve the problem.
Faced with the downward pressure of the economy, we need to see that our financial means are gradually exerting their strength, but with the acceleration of the Fed's interest rate hike, the interest rate of 10-year government bonds has risen. The interest difference between China and the United States is getting smaller and smaller, and there may be a phenomenon of interest rate inversion at the end of this year. At that time, there will be little room for us to use financial means such as RRR reduction and interest rate reduction. Therefore, we must do the best of all government departments, and the financial sector is also actively promoting policies to utilize the economy. Such as expanding the effective investment of the central government and governments at all levels, promoting the development of green and low-carbon industries and other ways to stimulate the economy. Only by grasping the * * * management can we really help the entity enterprises get out of trouble.
Now our main consideration is not whether it is effective or not, but what we should do to face this situation. The stable development of the real economy is related to people's livelihood at home and China's international position in the future. Can only succeed, can't fail!