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双语：国新办举行银行保险业一季度运行发展情况发布会

袭艳春:

Xi Yanchun:

女士们、先生们，记者朋友们，上午好。欢迎大家出席国务院新闻办新闻发布会。今天我们非常高兴地邀请到中国银行保险监督管理委员会副主席黄洪先生，副主席曹宇先生，首席风险官兼新闻发言人肖远企先生，请他们向大家介绍银行业、保险业一季度运行发展情况，并回答大家的提问。

Ladies and gentlemen, friends from the media, good morning. Welcome to this press conference held by the State Council Information Office (SCIO). Today, we have invited Huang Hong, vice chairman of the CBIRC, Cao Yu, vice chairman of the CBIRC and Xiao Yuanqi, chief risk officer and spokesperson of the CBIRC. They will brief you about the operations and performance of the banking and insurance sectors in the first quarter. They will also answer your questions.

首先先请黄洪先生做介绍。

First, I will give the floor to Mr. Huang.

黄洪:

Huang Hong:

各位媒体朋友上午好，首先，我通报银行保险机构疫情防控情况。截止到昨日，全国银行保险机构累计确诊1065人，其中湖北933人，累计治愈1016人，其中湖北887人，累计死亡42人，其中湖北41人。还有一些银行保险机构的员工家属受到感染不幸去世。对于他们的不幸去世，我们深感悲痛，我们将以更加努力的工作、为人民群众更好的服务来纪念他们。目前，全国银行保险机构还有7名患者在医院继续治疗，无症状感染者共8人，其中湖北6人，已治愈1人。截至目前除湖北外，全国银行保险机构复工率约97%，银行保险网点复工率达到99%，湖北辖内已有六成多的银行保险机构、九成的银行保险网点复工，武汉辖内银行保险机构员工到岗率、网点复工率稳步提升，基本金融服务得到有效保障。　

Friends from the media, good morning. First, I will brief you on the prevention and control of the pandemic situation within banking and insurance institutions. As of yesterday, a total of 1,065 people in banking and insurance institutions nationwide had a confirmed COVID-19 infection, including 933 people in Hubei province, and a total of 1016 people have recovered, including 887 in Hubei. 42 people have died, including 41 in Hubei. Some family members of employees of banking and insurance institutions have died from COVID-19. We mourn the loss of them and we will work harder and provide better service to the public to commemorate their death. Currently, seven employees of the banking and insurance institutions are still being treated in the hospital and 8 people are asymptomatic cases, including six in Hubei. One of them has recovered. Up to now, except for Hubei, the resumption rate of banking and insurance institutions across the country is at about 97%, and the resumption rate of banking and insurance branches has reached 99%. More than 60% of banking and insurance institutions, and 90% of banking and insurance branches in Hubei, have resumed work. The resumption rate of banking and insurance institutions and branches in Wuhan have steadily increased, and basic financial services are guaranteed.

当前，在以习近平同志为核心的党中央坚强领导下，我国疫情防控向好态势进一步巩固，经济社会运行逐步趋于正常。银保监会坚决贯彻落实党中央、国务院决策部署，按照“六稳”和“六保”要求，陆续出台多项政策措施，推动银行保险机构加大对疫情防控和经济社会发展的金融支持，助力复工复产、复商复市，着力防范化解金融风险，银行业保险业保持稳定运行。

Currently, under the strong leadership of the CPC Central Committee with Comrade Xi Jinping at its core, the progress in prevention and control of the COVID-19 epidemic in China has been further enhanced, and economic and social operations have gradually returned to normal. The CBIRC has resolutely implemented the decisions and deployments of the CPC Central Committee and the State Council. In accordance with the requirements of "maintaining stability in six key areas, namely with respect to employment, finance, foreign trade, foreign investment, domestic investment and expectation" and "ensuring the employment of residents, the basic livelihood of the people, the support for market entities, the security of food and energy, the stability of the supply chain and industrial chain and the operation at grassroots level," we have successively issued many policies and measures to increase financial support for pandemic prevention and control as well as economic and social development. We have been working to facilitate the resumption of work, production, business and the market. We have focused on preventing and defusing financial risks while also ensuring the stable operation of the banking and insurance sector.

一是全力做好疫情防控金融服务。银行机构有效运用降准、再贷款、再贴现资金，主动对接重要医疗物资和生活物资生产运输企业，提供利率优惠和专项贷款额度。保险机构为受疫情影响的出险理赔客户设置快速服务通道，适当扩展保险赔付责任范围，努力实现应保尽保、应赔尽赔。

First, all-out efforts have been made to provide financial services for pandemic prevention and control. By reducing the deposit reserve ratio, relending and rediscounting, banking institutions have effectively reached out to enterprises that manufacture and transport important medical supplies and daily necessities, providing preferential interest rates and special credit quotas for them. Insurance institutions have set up fast tracks for customers who have been affected by the epidemic to settle claims, appropriately expand the scope of insurance compensation liability and strive to provide insurance for all the insurable and settle the claims that should be settled.　

二是及时为企业提供流动性支持，着力帮扶中小企业渡过难关。加大小微企业信贷支持，一季度末普惠型小微企业贷款同比增长25.93%，五家大型银行新发放普惠型小微企业贷款利率4.3%，在2019年基础上进一步下降0.3个百分点。着力增加信用贷款，一季度对企业、商户和个人经营者发放的信用贷款增加2.5万亿元，增量接近去年同期的2倍。优化续贷安排，扩大续贷规模，缓解企业资金周转压力，一季度共办理续贷5768亿元，其中近九成资金投向中小微企业和个体工商户。对企业贷款实施延期还本付息政策，目前已对约8800多亿元贷款本息实施延期还款，同时灵活安排个人住房按揭贷款、消费贷款还款计划，有效减轻企业和居民还款压力。

Second, we will provide liquidity support for enterprises in a timely manner and help small and medium-sized enterprises (SMEs) surmount their difficulties. We have increased support for SMEs in terms of credit: inclusive loans for SMEs have increased by 25.93% year-on-year at the end of the first quarter; the interest rates of the inclusive loans issued by the five large banks is 4.3%, 0.3% down the level of 2019. We have also increased credit loans. In the first quarter, credit loans issued to enterprises and individual business owners increased by 2.5 trillion yuan, with the increment almost twice the level of the same period last year. We have optimized loan renewal arrangements, expanded the scale of renewal and helped ease pressure on cash flow among enterprises. In the first quarter, a total of 576.8 billion-yuan loans were renewed, of which nearly 90% went to micro, small and medium-sized enterprises and individual business owners. Business are allowed to defer principal and interest payments, and we have deferred the payments on about 880 billion yuan worth of loans. There are also flexible arrangements for paying mortgage loans and consumption loans, which effectively reduce the pressure on enterprises and residents. 　

三是维护产业链供应链稳定，支持产业链协同复工复产。大力发展供应链金融，主动对接产业链核心企业，并通过应收账款、订单、仓单质押方式，为产业链上下游企业提供融资支持，保障产业链资金畅通。一季度末，银行业对21.8万户产业链核心企业提供日常资金周转支持，余额21.4万亿元；对29.7万户产业链上游企业提供融资支持，余额5.8万亿元；对35.3万户产业链下游企业提供融资支持，余额9.3万亿元。

Third, we are looking to maintain the stability of industrial chains and supply chains, as well as support all links in industrial chains to help them resume work and production in a coordinated way. We are taking significant steps to develop supply chain finance, and we have taken the initiative to connect with core enterprises of the industrial chain. Financing support is also being provided for upstream and downstream enterprises of the industrial chain to ensure the smooth flow of funds by means of receivables, orders and warehouse receipt pledges. By the end of the first quarter, banks provided capital turnover to 218,000 core enterprises of the industrial chain, with a balance of 21.4 trillion yuan. Banks also provided financing support to 297,000 upstream enterprises, with a balance of 5.8 trillion yuan. And banks provided financing support to 353,000 downstream enterprises, with a balance of 9.3 trillion yuan.　　

四是加大对实体经济的资金支持，推动扩大国内需求。一季度人民币贷款增加7.1万亿元，同比多增1.3万亿元，重点投向制造业、批发零售业、基础设施行业，相关贷款分别增加1.1万亿元、0.9万亿元、1.5万亿元，有效支持高技术制造业发展、传统产业改造升级、居民和公共消费以及基础设施投资。大力支持债券、股权等直接融资，为企业提供综合性融资服务。一季度银行保险机构新增债券投资2万亿元，其中新增公司信用类债券投资3600多亿元。保险资金新增股权投资1263亿元。

Fourth, we want to increase financial support for the real economy and promote the expansion of domestic demand. In the first quarter, new yuan-denominated loans hit 7.1 trillion yuan, an increase of 1.3 trillion yuan year-on-year. The new loans were mainly invested in the manufacturing, wholesale and retail and infrastructure sectors, with increased lending in these sectors of 1.1 trillion yuan, 0.9 trillion yuan, 1.5 trillion yuan, respectively, which has effectively supported the development of high-tech manufacturing, the upgrading of traditional industries, household and public consumption and investment in infrastructure. We support direct financing, such as bonds and equity, and provide comprehensive financing services for enterprises. In the first quarter, banks and insurance institutions increased bond investment by 2 trillion yuan, of which more than 360 billion yuan was invested in corporate credit bonds. An additional 126.3 billion yuan of equity investments was invested in insurance.　

五是充分发挥保险保障功能。积极扩大理赔范围、提升理赔速度和效率，一季度保险赔付支出3019亿元。积极对接疫情期间社会风险保障需求，大力开发推广健康险等保障性保险产品，健康险业务同比增长21.5%。充分发挥信用保证保险分担信用损失的作用，一季度信用保证保险赔付支出161亿元，同比增长50%。

Fifth, we are seeking to guarantee the functions of the insurance sector. We will actively expand the scope of claims, increase speed and improve the efficiency of claim settlement. Insurance claims in the first quarter totaled 301.9 billion yuan. We will actively deal with social risk protection needs during the pandemic and develop and promote security insurance products, such as health insurance. The health insurance business grew by 21.5% year-on-year. We gave full play to the role of credit guarantee insurance in sharing credit losses. In the first quarter, the payment of credit guarantee insurance was 16.1 billion yuan, which was up 50% year-on-year.

新冠肺炎疫情对我国经济社会发展带来了前所未有的冲击，疫情冲击下贷款逾期和违约情况增多，不良贷款有所增加。银行业仍保持较强风险抵御能力，各项监管指标均处于较高水平。

The outbreak of COVID-19 has had an unprecedented impact on China's economic and social development. Loan delinquencies and defaults increased, and non-performing loans increased as a result of the pandemic. The banking industry still maintains a strong ability to withstand risks, and various regulatory indicators are operating at a high level.　

下一步，银保监会将认真落实“六稳”和“六保”要求，统筹做好金融支持疫情防控和服务实体经济工作，牢牢守住风险底线，努力维护经济发展和社会稳定大局，为完成决战决胜脱贫攻坚目标任务、全面建成小康社会提供有力金融支持。

谢谢大家！

Next, CBIRC will earnestly implement requirements for handling trade frictions and keeping employment, the financial sector, foreign trade, foreign and domestic investments and expectations stable, as well as ensuring the employment of residents, the basic livelihood of the people, the support for market entities, the security of food and energy, the stability of the supply chain and industrial chain, and the operation at grassroots level. We will work in a coordinated manner to provide financial support for the prevention and control of the pandemic and to serve the real economy and stave off risks. We will work hard to maintain economic development and social stability, and we will provide strong financial support to win the battle against poverty and for building a moderately prosperous society in all respects.

Thank you！

袭艳春:

Xi Yanchun:

感谢黄洪先生的介绍。下面进入答问环节，提问前请通报所在的新闻机构。

Thank you, Mr. Huang. Let's move on to the question and answer section. Please inform us of your news organization before asking questions.

中央广播电视总台央视记者:

CCTV:

疫情发生以来，银保监会和各个部门都出台了一系列的金融支持复工复产的政策，但现在也有企业反映目前还没有体会到或者说收到这些政策带来的实际效果。想问一下，现在政策落实情况怎么样？下一步有什么具体的计划加快这些政策的落地？谢谢。　

A series of financial support policies for the resumption of production have been issued by CBIRC and other related departments since the outbreak of COVID-19. However, some enterprises said they have not yet felt or seen the effects of these policies. How about the implementation of these policies? What are the concrete plans to accelerate the implementation of the policies in the near future? Thank you.

黄洪:

Huang Hong:

谢谢你的提问，我来回答你的问题。疫情发生以来，银保监会认真贯彻党中央、国务院各项决策部署，统筹做好疫情防控和经济社会发展金融服务工作。我们单独或者会同相关部委出台了一系列的支持复工复产的措施，概括起来有几方面：

Thank you for your questions. Since the outbreak of COVID-19, the CBIRC has earnestly implemented the decisions and arrangements of the CPC Central Committee and the State Council, and it has also made overall plans for the prevention and control of the pandemic and the financial services related to economic and social development. A series of measures to support the resumption of work and production has been issued by CBIRC or other related ministries, which can be summarized as follows: 　

一是优化疫情防控领域的金融服务。要求金融机构积极满足卫生防疫、医药产品制造及采购、公共卫生基础设施建设、科研攻关等方面的合理融资需求，鼓励通过适当下调贷款利率，完善续贷政策，增加信用贷款和中长期贷款等方式，支持企业战胜疫情影响。根据银行业协会统计，仅银行机构为抗击疫情提供信贷支持已超过了2.5万亿元。

First, we will optimize financial services in the field of pandemic prevention and control. Financial institutions are required to actively meet reasonable financing needs of health and pandemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, and scientific research. We encourage financial institutions to help enterprises overcome the impact of the pandemic by appropriately lowering loan interest rates, improving policies on loan renewal, and increasing credit loans, along with medium- and long-term loans. According to statistics from the China Banking Association, bank institutions alone have provided more than 2.5 trillion yuan in credit to help fight the pandemic.　

二是对中小微企业贷款延期实施返本付息安排。按照市场化、法治化的原则，对2020年1月25日以来到期的困难中小微企业贷款，实施临时性延期还本付息安排，免收罚息，不下调贷款风险分类，不影响企业征信记录。到3月末，银行机构已对约8800亿元中小微企业贷款本息实施了延期。

Second, a provisional deferment policy for both principal repayment and interest payment has been implemented for micro, small and medium-sized enterprises. In accordance with market principles and law, loan principal repayments that have matured since January 25, as well as interest payments, have been deferred provisionally for virus-stricken micro, small and medium-sized enterprises, with penalty payments exempted; their loan risk classification and credit records will not be affected. As of the end of March, banking institutions had deferred principle and interest payments on nearly 880 billion yuan (US$125.7 billion) of loans to micro, small and medium-sized enterprises.　　

三是支持产业链协同复工复产。引导银行持续跟进产业链上下游复工复产的需求，支持企业以应收账款、仓单和存货质押等方式融资，推动核心企业获得融资后，以适当形式向上下游企业支付现金，降低上下游中小微企业资金压力和融资成本。

Third, all links in the industrial chains have been pushed to resume work and production in a coordinated way. Banks have been encouraged to follow up and meet upstream and downstream enterprises' needs for work and production resumption and support them to raise funds through approaches including receivables, warehouse receipts and inventory pledges. The core businesses, after getting financing, have been encouraged to promote cash transactions between upstream and downstream companies as a way to reduce capital pressure and financial costs of micro, small and medium-sized enterprises.　

四是持续提升小微企业等普惠金融服务质效。按照“增量、扩面、提质、降本”的总体目标，强化分类考核督导，督促银行机构稳定信贷供给，加大对小微企业复工复产的金融支持。截至3月末，全国普惠型小微企业贷款12.55万亿元，同比增速25.93%，远高于各项贷款的同比增速。

Fourth, we have continuously improved quality and efficiency of inclusive financial services for small and micro enterprises. In the light of the overall goal of "increasing quantity, expanding coverage, improving quality and reducing costs," we have strengthened supervision of classified assessment, and urged banking institutions to stabilize credit supply and enhance the financial support to small and micro enterprises. By the end of March, the inclusive small and minor businesses loans stood at 12.55 trillion yuan (US$1.79 trillion), with a 25.93% jump year-on-year, which is much higher than the increases for other types of loans. 　

总体来看，这些政策实施还比较顺利，效果已初步显现，但是在政策落地落实的过程中，我们也发现了一些问题，归纳起来主要内外部有四个方面的问题：一是一些企业可能不符合条件。二是也有一些企业因为第三方担保续贷问题等因素而没有享受相关政策。三是还有一些企业因为不了解相关政策没有提出申请。四是我们自身的原因，也就是一些银行保险机构在贯彻落实政策上工作不够细致，服务能力没有跟上。这些问题的出现，正如您所提出来的，可能有一些企业感受到这些政策没有享受到。

Generally speaking, these policies have been implemented quite smoothly, and produced initial effects. However, we still found some problems in the following four aspects. First, some enterprises are not eligible to apply for loans; second, some cannot enjoy the policy support due to factors such as a third party's guaranteed renewal; third, there are some firms that did not apply because they were not aware of the specifics of these policies; fourth, some banking and insurance institutions have been negligent and failed to offer desirable services — responsibility for this final factor lies squarely on our shoulder. As a result of the above-mentioned problems, some enterprises felt they didn't enjoy the policy support, as you just mentioned.　

对于这些问题，银保监会高度重视，我们正在采取措施来逐个加以解决。在这里，借今天这个机会，我恳请在座的各位记者朋友帮我们多做宣传，帮助更多的企业更加了解各项金融扶持政策。下一步我们将继续抓好政策落地工作，通过加强窗口指导、政策辅导、监测统计、总结评估等，督促指导银行保险机构用好用足用活相关政策支持，加大银企沟通协调力度，确保政策落实不打折扣、政策效力不层层递减，不断提高企业的获得感。谢谢。

The China Banking and Insurance Regulatory Commission (CBIRC) has attached great importance to these problems and taken actions to address them. Today, let me take this opportunity to invite our media friends to help by publicizing the financial supportive policies to more enterprises. Next, we will continue efforts to implement our policies and take such measures as window guidance, policy guidance, monitoring and statistical analysis, and summary and assessment to guide banking and insurance institutions to ensure flexible and efficient use of these policies. Efforts will also be exerted to promote coordination between banks and enterprises. By so doing, we will ensure that the policies are well-implemented and highly-effective, increasing enterprises' sense of gain. Thank you.

中新社记者:

China News Service:

我们知道中小银行机构的公司治理是监管的重点之一，请问今年对此有何具体措施？对于违规股东的股权清理工作现在进展如何？谢谢。　

We know that the governance of small- and medium-sized banks and institutions is one of the key tasks of the supervision work. So, what are the specific measures being taken for this year's supervision? For those non-compliant shareholders, how is the work clearing their equities progressing?

黄洪:

Huang Hong:

谢谢你的提问，这个问题请银保监会副主席曹宇同志来回答。

Thank you for your question. I'll let Mr. Cao Yu take this one.

曹宇:

Cao Yu:

感谢大家对中小银行的关心，党中央、国务院高度重视中小银行的公司治理，习近平总书记在2017年全国金融工作会议上明确提出，要完善金融机构法人治理。2019年11月，金融稳定委员会召开第九次会议，专题研究了中小银行深化改革、化解风险问题，强调要健全公司治理。据此，银保监会会同有关部门制定了详细的工作方案，细化了对公司治理的各项要求。

Thank you for interest in small- and medium-sized banks. The Central Committee of the CPC and the State Council have attached great importance to the supervision of small- and medium-sized banks and institutions. At the 2017 National Financial Work Conference, General Secretary Xi Jinping explicitly stated that we must improve the governing work of financial institutions' legal persons. In November 2019, the Financial Stability and Development Committee held its 9th conference and conducted a special study on deepening the reform of small- and medium-sized banks and resolving financial risk. The committee also emphasized the practice of sound corporate governance. Accordingly, the CBIRC cooperated with relevant departments to establish specific work plans and refine the governance requirements in detail.　　

当前，中小银行公司治理的重点是：加强党的领导与加强公司治理的深度融合，开展公司治理评估，强化“三会一层”履职监督和问责，优化股东结构，严格把关股东资质，规范股东行为。特别是银保监会发布了股权管理办法和公司治理监管评估办法等一系列政策法规，为推动相关工作奠定了制度基础。

Our current priorities for the governance of small- and medium-sized banks and institutions are: deeply integrating the Party's leadership and the governance of these banks and institutions, developing an evaluation system for their governance, and strengthening the "three boards and one management" system of supervision and accountability. The shareholders' structure must be optimized, the qualification of shareholders must be strictly checked, and their behavior must be regulated. A series of policies and regulations has been issued by the CBIRC, such as equity management measures, corporate governance supervision and evaluation measures. These documents have been laid as the regulation foundations for carrying out relevant works.　

目前，中小银行公司治理已经取得了初步成效，一是加大了股东股权违法违规乱象治理力度。银保监会去年针对股东股权与关联交易问题开展了专项整治，查处了3000多个违规问题，清理了1400多个自然人或者法人代持的股东。从2018年起，我们对农村中小机构开展了专项排查，目前已责令违规股东转让股权33.4亿股，对74家机构合计处罚5165万元。二是稳妥开展高风险机构违规股东股权清理整治。在包商银行等机构风险处置化解过程中，银保监会把清理违规股东股权、开展市场化兼并重组作为重要抓手，目前包商银行等机构的风险处置和改革重组工作正有序推进。对于社会较为关注的其他问题机构，相关股权重组方案目前已经相继出台，涉及的问题股东也正在有序清退。

So far, initial progress has been achieved in the governance of small- and medium-sized banks and institutions. First, we have scaled up efforts to restrict irregularities and illegal equity-related actions, and constrain non-compliant shareholders. Last year, the CBIRC launched a campaign focused on regulating non-compliant shareholders and their affiliate transactions. Over 3,000 violations were found, and punishments were meted out. Over 1,400 non-compliant shareholders acting as natural persons or legal persons were cleared out. Since 2018, we have launched special investigations into small- and medium-sized banks and institutions within rural areas. So far, we have ordered non-compliant shareholders to transfer 3.3 billion equities, and we have punished 74 institutions to the value of 51.65 million yuan. Second, we have steadily conducted governance work to remove non-compliant shareholders and transfer their equities in high risk institutions. During the process of dissolving the risks in Baoshang Bank, the CBIRC prioritized governing non-compliant shareholders' equities and launching market oriented mergers and restructures. So far, progress has been made both in tackling risks for Baoshang Bank and in its reformations and reorganization work. For other institutions which have problems and have gained the attention of society, equity restructure plans have been enacted, and non-compliant shareholders have been removed and asked to withdraw their equities.　

虽然取得了一定成效，但是加强中小银行公司治理建设仍任重道远。下一步，银保监会将继续按照市场化、法治化的原则，持续加大清理整治力度，加快推进股权集中托管等工作，进一步严格股东资质审核，强化穿透管理。谢谢大家。

Although we have made some progress, we still face challenging tasks in enhancing the governance of small- and medium-sized banks and institutions. Next, the CBIRC will continue to act in accordance with market- and law-oriented policies to strengthen the regulation work and step up the centralized custody of equities. We will also further strictly check the qualifications of shareholders and reinforce pass-through management. Thank you.

纽约时报记者:

The New York Times:

我们看到大宗商品的出口现在受到低油价和原材料价格的影响，受此影响，中国银行业对于发展中国家的贷款会受什么样的影响？我们目前看到中国的银行对发展中国家的贷款已经受一些低价格的影响。

Many commodity exporting nations are running into difficulties now with low prices for oil and other raw materials. How would you handle impaired loans by Chinese banks to developing countries? And you are already saying there are impaired loans. Thank you.

黄洪:

Huang Hong:

谢谢这位记者的提问，这个问题请银保监会首席风险官肖远企先生来回答。

Thanks for your question. We will have Mr. Xiao Yuanqi, chief risk officer of the CBIRC, take the question.

肖远企:

Xiao Yuanqi:

非常感谢这位记者的提问，中国的银行在国内和国外都有一些商业交易活动，包括贷款。最近，国际市场因为受肺炎疫情和其他因素的影响，确实有一些波动，包括金融市场和经济都有一些波动，这不可避免地对这些银行在海外的贷款等有一些影响，不光是中国的银行，其他国家的银行也都面临这样一些问题。

Thanks for your question. Both in China and overseas, Chinese banks have various business dealings, including loans. Affected by the COVID-19 outbreak and other factors, the global market has seen some turbulence, including in the financial sectors and the world economy as a whole. This has inevitably had an impact on the banks' overseas loans. This is not an issue limited to Chinese banks, as foreign banks are facing it too.

一方面，我们的银行一定要按照市场化、法治化的原则，与国际其他客户，包括发展中国家，也包括其他的发达国家，正常开展银行业务。二是加强风险管理，按照银行自身内部的客户细分，做好各方面的风险管理，强化风险管控。同时非常重要的是，这些银行必须要严格执行中国的法律和监管规定，以及东道国国家和地区的相关法律和监管规定，同时按照国际规则跟这些国家开展正常的商业活动。谢谢。

On the one hand, our banks should act in line with the market principles and laws in order to continue their normal operations in other developing countries and developed countries. On the other hand, we must bolster the risk assessment. Risk management in various sectors will be improved based on customer segmentation for banks. More importantly, these banks should strictly abide by Chinese laws and regulations, as well as those laws and regulations enforced in host countries and regions. Meanwhile, Chinese banks must carry out normal commercial activities in foreign countries in strict accordance with international rules. Thanks.

中央广播电视总台国广记者:

CRI:

请问疫情对我国产、寿险目前有何影响？下一步产、寿险在助力经济发展中将发挥什么样的作用？谢谢。

How will the pandemic affect China's property and life insurance sectors? What roles will they play in boosting economic development? Thanks.

黄洪:

Huang Hong:

谢谢你的提问，这个问题我来回答。当前国际疫情持续蔓延，世界经济下行压力加大。国内复工复产以及经济社会发展面临新的困难和挑战，保险业发展也不例外，面临的不确定不稳定因素显著增加，业务发展承受巨大的压力。我认为影响主要是三个方面：

Thanks for your questions. I will take this one. As the pandemic continues to spread across the world, the global economy is facing mounting downward pressure. In China, the outbreak has posed new challenges and difficulties to the resumption of work and production , as well as domestic economic and social development. Economic fallout from COVID-19 has also weighed heavily on China's insurance industry with increasing uncertainties and instabilities. The impacts can be summarized as follows:　

一是保险业务增长承压，疫情导致生产生活骤降，经济下行压力加大，保险经营活动受到了制约，业务增长承压。2020年一季度，保险业原保险保费收入是1.67万亿，同比仅增长了2.3%，增幅同比下降了13.6个百分点。其中，财产险增幅同比下降了7.7个百分点，人身险增幅同比下降了15.22个百分点。

First, the growth of the insurance industry was under pressure. The epidemic caused a negative impact on production and people's life, as well as mounting downward pressure on the economy. As a result, the operation of insurance services was restrained and the growth of the industry faced great pressure. In the first quarter of 2020, the original insurance premium income grew just 2.3% year on year to 1.67 trillion yuan. Growth in original premium income plunged 13.6 percentage points in the quarter. The growth of property and life insurances decreased by 7.7 and 15.22 percentage points, respectively, from the same period last year.　

二是公司经营波动加大，部分企业和个人收入减少，还款能力下降，违约率增加。比如，信用保证保险赔付率一季度呈大幅上升趋势，上升的比例我已经给各位记者报告了，约50%。意外险和健康险、农险、营业中断险和延迟取消类保险等业务赔付增长较快。另外，全球资本市场波动加剧，保险投资收益不稳定性增强。

Second, the income of some companies and individuals was hampered by increased volatility in business operations, causing them to have a hard time repaying funds and leading to a higher default rate. As mentioned above, credit guarantee insurance compensation expenses jumped about 50% — a significant rise in the first quarter. Other types of insurances, such as accident, health, agriculture and business interruption insurances, as well as insurances protecting people from contract delay or cancellation, have also seen their compensation expenses go up significantly. Additionally, there are increasing instabilities in the investment returns of insurance companies, as their business was hampered by the turbulence in global capital markets.　

三是经营成本有所上升。疫情期间，保险公司各项费用支出将明显上升，成本摊销进一步增加。

Third, expenditures of insurance companies have also gone up amid the outbreak, further increasing amortized costs.　

当然，疫情冲击既给保险业带来了一定挑战，也带来一些有利因素。从宏观环境来看，各项支持复工复产、扩大内需和居民消费、加快脱贫攻坚、维护金融市场稳定政策措施陆续出台，疫情对经济社会发展的负面影响将逐步减弱。我国经济稳中向好、长期向好的基本趋势没有改变，同时社会风险意识、群众保险意识将得到显著提高，对保险功能作用的认识将进一步加深，保险保障需求将持续增长，这是一个大趋势。从产业循环来看，4月中旬全国规模以上企业平均开工率达到99%，国家重大工程和基础设施建设稳步开展，公共卫生、应急物资保障等产业加大投入，5G网络、数据中心等新型基础设施建设加快推进。新型消费形态培育壮大，释放出新的保险需求，保险业将获得更大的发展空间。从行业自身来看，目前保险业偿付能力充足，流动性稳定，特别在这里我要强调，今年保险业虽然业务发展速度比去年同期增速有比较大的放缓，但是我们现金流状况由于业务结构的调整，现阶段状况得到了明显好转，净现金流入大幅度增加，就是我刚才讲的流动性非常稳定，具备较好的抗冲击能力。疫情推动了行业加快管理创新和科技创新，转变经营模式，提升管理效率，提升科技化和线上化水平，行业竞争能力将继续提升，更好地满足经济社会发展的保险保障需求。

Despite being challenged by the pandemic, the insurance industry can also benefit from a number of upsides that have resulted from it. Looking at the environment from a macro-economic perspective, the pandemic's downsides to economic and social development will be gradually lessened with the implementation of policies and measures adopted to prop up the resumption of work and production, increases in domestic demand and consumption, accelerated poverty alleviation work and sustained financial stability. Stable and long-term positive economic performance trends have not changed. At the same time, demand for insurance guarantees will ride the tide to secure consecutive growth when social risk awareness and individual insurance awareness become notably increased by a deepened understanding of the industry. Considering business cycles, as of mid-April, 99% of enterprises across the country that are above a designated size have resumed work, major nation-level projects and infrastructure constructions have made stable progress, public hygiene and suppliers of emergency products have received increasing investments and new-tech infrastructures, such as 5G and data centers that have been constructed in an expedited fashion. The insurance industry has received greater space for development as a result of the demand derived from new consumption models. The insurance industry has guaranteed sufficient reserves for reimbursements and ensured stable fluidities. Here, I would like to stress, in particular, that despite the recent, narrowing year-on-year growth rates, our business restructuring has made great headway in increasing the net cash flow at a substantial rate, which proves my mentioning that the fluidities are stable enough to cope with the brunt of adversities. The industry has reformed its management styles, reinforced scientific and technological innovation, transformed business models, improved management efficiencies, ensured scientific, technological and digitalized advancements and strengthened competitiveness to better meet the personal and social demands for insurance coverage.　　

下一步，银保监会将引领和推动保险业进一步发挥作用，助力“六保”。一是加大保险供给，支持企业复工复产。积极对接社会保险需求，加大健康险特别是医疗险产品的供给力度。推广“海南复工复产企业疫情防控综合保险”等创新产品，促进产业链协同复工复产。二是发挥保证保险融资增信功能，增强对小微企业的信贷支持力度，纾解小微企业的资金压力，进一步降低小微企业融资成本。三是加大农业生产的保障支持。推进农业保险提标扩面增品，完善三大主粮大灾保险机制和生猪政策性保险制度，支持农业生产和重要副食品稳价保供。四是支持投资出口，积极保障经济稳定运行，围绕国家重大工程等加大风险保障，支持传统基础设施和新型基础设施建设。大力发展出口信用保险，为出口企业保驾护航。积极推动“一带一路”保险，为“一带一路”沿线国家和中资企业海外机构提供风险保障。五是发挥保险资金运用形式多样的优势，加大重点行业和领域的投资力度，为经济发展提供资金支持。六是保险代理人队伍的发展，吸纳劳动力，提供更多就业岗位。谢谢大家。

In the next phase, the CBIRC will direct and boost the insurance industry's role in helping fulfill the "six guarantees" that can be fleshed out as follows. First, the industry is supposed to increase its supply to prepare for the resumption of work and production. In its active response to the growing demand for social insurance, the industry will increase the supply of healthcare insurances, especially medical insurance. The innovative products, exemplified by the "Hainan Comprehensive Insurance on Resumption of Work and Production in Line with Epidemic Prevention and Control Efforts," are supposed to coordinate efforts among industrial chains involved in work resumption. Second, guarantee insurance should play its role in ensuring financing and credit enhancement in a bid to bolster micro- and small-sized businesses, emancipating them from financial stresses and reducing their fundraising costs by offering more credit loans. Third, support to agriculture production should be guaranteed. Agricultural insurance should be given a boost, standards should be improved, spectrums expanded and services enhanced. Insurance mechanism devised to insure the three major staple foods during disasters and policy-led insurance regulations for hog supplies should be improved. In addition, the industry will also support agricultural production and work to avoid big price fluctuations on non-staple foods. Fourth, investments and exports should be buttressed to proactively guarantee a stable economic performance. The industry should enhance its risk-control capability to guarantee the smooth operations of the country's major projects, supporting traditional and modern infrastructural constructions. It should also develop export credit insurance to safeguard export enterprises and promote provisions for products to countries and overseas subsidiaries of Chinese companies that are involved in the Belt and Road Initiative.

Fifth, the insurance funds, because of its diverse utilities, should be given full play to invest more in the country's key industries and core areas, allowing them to financially support domestic economic development. Sixth, insurance agent team should be expanded and more jobs should be added.

中央广播电视总台央广记者:

China National Radio (CNR):

受疫情影响，我想知道银行二季度不良率是否会继续上升，甚至是大幅攀升，从而带来较大风险，想知道监管部门对此如何应对？谢谢。

Faced with the impact of the COVID-19 pandemic, will the banks' non-performing loan ratio continue to rise, or even rise sharply, in the second quarter and bring great risks? And how will the regulatory authorities respond to this? Thank you.

黄洪:

Huang Hong:

谢谢你的提问，这个问题请首席风险官肖远企同志回答。　　

Thanks for your question. Mr. Xiao will answer it.

肖远企:

Xiao Yuanqi:

谢谢你的提问。对于不良贷款大家都比较关注，第一季度数据显示银行的不良贷款有所上升，现在整个银行业不良贷款率是2.04%，比年初上升了0.06个百分点。其中受疫情影响比较严重的一些小微企业，餐饮、住宿等行业上升相对比较快一点，这在我们的预估范围之内。对于第二季度和今后一段时间银行不良贷款的情况，我们也密切关注和分析，我们认为今后还会有一些上升，但是幅度不会非常大，因为我们现在复工复产正在有序开展，也采取了很多对冲政策措施来缓释这些风险，这些措施目前也开始发挥效果。

Thanks for your question. We are all concerned about the non-performing loan ratio. The data shows that the non-performing loan ratio rose in the first quarter, and the current ratio is 2.04%, 0.06 percentage points up from the beginning of this year. The ratio concerning small and micro enterprises and industries like catering and hospitality that have been severely affected by the pandemic has increased relatively fast, which is within our estimation range. We have paid close attention and conducted an analysis of the non-performing loan ratio in the second quarter, and we will continue to do so for some time to come. We think that the ratio will further increase in the near future but won't climb high. We are resuming work and production in an orderly manner, and we have implemented a series of hedge policies to mitigate risks. The policies and measures have begun to show their effectiveness.　　

从监管方面，我们最近这段时间一直在做分析，密切监测，一是做压力测试，我们分步骤和情景做了分门别类、差异化的压力测试，同时也有综合的压力测试。二是加大处置力度，比如第一季度就处置了不良贷款4500多亿元，比去年同期增加了810亿元，力度比去年更大。另外，把处置的渠道、处置的方式逐渐拓宽，既是为减少银行的不良贷款，同时也为其提供新的贷款支持企业创造条件。三是要求银行在当前的情况下必须以更大的力度支持企业复工复产，特别是支持中小微企业恢复正常的生产经营。因为支持了这些企业的正常生产经营，其实就是银行防风险本身的一个举措，支持他们发展，银行不良贷款自然就下来。这次企业遇到的困难一个是暂时的，另外也是由于外部因素引起的，受疫情影响，疫情之前绝大部分企业基本面是好的，因为疫情出现以后，暂时在生产经营上、现金流方面出现一些困难，所以不能够按期偿还。除了采取一些对冲措施以外，其实银行也要加强风险管理，加强客户的细分，要区分哪一类企业受疫情影响暂时处于困境，出现一些违约，哪些企业本身经营出现问题，要区分开来，绝大部分属于前者。

In terms of supervision, we have recently been conducting analysis and close monitoring. First, we have conducted stress tests, including differentiated tests set by different steps and circumstances, as well as comprehensive tests. Second, we have intensified efforts to dispose of non-performing loans. In the first quarter, we disposed of non-performing loans worth more than 450 billion yuan ($63.53 billion), increasing by 81 billion yuan ($11.43 billion) over the same period of last year. Additionally, we have expanded our channels and methods of disposal, which not only reduced the non-performing loans of the banks but also provided them with conditions to create more new loans to support enterprises. Third, we have asked all banks to make more efforts to support enterprises, especially medium, small and micro enterprises, in their resumption of work and production. The support given to the enterprises is a measure of the banks to prevent risks because as long as the enterprises can develop well, the non-performing loans of the banks will decrease. The difficulties encountered by the enterprises are temporary, and they are caused by external factors. Before the COVID-19 outbreak, the fundamentals of most enterprises were good. However, since the pandemic, lots of enterprises have had to face temporary difficulties in operation and cash flow, which have made them fail to repay their loans on time. In addition to hedge measures, the banks should also strengthen their capabilities in risk management and segmentation of customers to separate enterprises affected by the pandemic from those that previously had operating problems. Most of the enterprises in difficulty belong to the former group.　

最后，我们有比较充足的拨备和资本来抵御风险，比如我们现在有6万多亿的拨备，抵御风险的能力是很强的。总之，银行的不良贷款会有小幅上升，但是通过这些措施，我们认为风险是完全可以控制的，抵御风险能力是足够的。谢谢。

We have sufficient provisions and capital to fend off risks. At present, we have provisions worth more than 6 trillion yuan ($840 billion), which give us strength in facing the challenge. In short, there will be a small increase in the non-performing loans of the banks. However, thanks to all these measures, we believe that risks can be controlled completely, and our ability to fend off risks is sufficient. Thank you.

香港中评社记者:

China Review News:

近日瑞幸财务造假事件备受瞩目，请问监管部门对此怎么看？瑞幸在银行有多少贷款？风险如何？购买的董责险是否会赔付？谢谢。

The Luckin Coffee fraud has garnered a great deal of attention recently. What is the supervision department's take from this? How many loans has Luckin taken from the banks? What are the risks? Will the directors liability insurance cover this? Thank you.

黄洪:

Huang Hong:

这个问题请银保监会副主席曹宇同志来回答。　　

I'd like to invite Mr. Cao Yu to answer this question.

曹宇:

Cao Yu:

谢谢这位记者，这里可能有很多人都是消费者，应该说市场经济是法治经济，依法合规、诚实守信是我国法律对市场经济主体的基本要求。真实、完整、如实地反映企业财务会计情况，是所有企业的法定义务。

Thanks for the question. Many people here are consumers. A market economy is governed by law. Observing disciplines, obeying laws and being honest is a basic requirement of Chinese law for the main body of a market economy. It is the legal obligation of all enterprises to truly, comprehensively and truthfully reflect the financial and accounting situation of enterprises.　　

瑞幸咖啡财务造假事件性质恶劣、教训深刻，银保监会将坚决支持、积极配合主管部门依法严厉惩处，对财务造假行为始终保持零容忍的态度，共同维护好良好的市场环境。

The Luckin fraud is a flagrant offense, and it will offer profound lessons. The CBIRC will firmly support and actively cooperate with the department in charge to impose severe punishment according to law. A zero-tolerance attitude will be taken toward financial fraud to maintain a sound market environment. 　　

据我们了解，目前瑞幸咖啡在相关银行机构有信贷关系，但是授信额度不大，真正的贷款余额量更小，我们已督促相关银行加强风险监测和贷后管理。关于董责险的问题，瑞幸咖啡在上市前买了董责险，保单共有4层，总限额2500万美元，涉及境内外十几家保险公司。有的保险公司对这项业务还做了再保分出。据了解，目前保险公司已经收到了瑞幸咖啡的理赔申请，鉴于案情比较复杂，相关调查还在进行中，有关理赔工作还存在着一定不确定性。我们将督促相关保险公司依照保单的合同规定依法合规的妥善处理。谢谢。

As far as we are concerned, Luckin Coffee has a small loan standing with the banks and an even smaller loan balance. We have already urged relevant banks to enhance capital risk monitoring and post-loan management. Regarding the directors liability insurance, Luckin Coffee bought the directors liability insurance before listing. There are four levels of insurance policy with a total limit of $25 million, and a dozen insurance companies from home and abroad have been involved. Some of them issued reinsurance to this business. We understand that the insurance companies have received Luckin's claims. Considering that the case is complicated, the investigation is still ongoing and uncertainty exists. We will urge relevant insurance companies to properly handle it according to laws and regulations and in accordance with the contract provisions of insurance policy. Thank you.

凤凰卫视记者:

Phoenix TV:

我们看到在深圳的房地产出现了比较大的波动，很多分析认为是政府的贴息经营贷款违规操作流入到房地产市场，对这部分来说，银保监会怎么看？谢谢。　　

We have seen major fluctuations in Shenzhen's real estate industry. Many analysts have attributed this to subsidized loans that have flowed into the real estate market. What is the opinion of the CBIRC on this matter?

黄洪:

Huang Hong:

谢谢你的问题，这个问题请首席风险官肖远企先生来回答。

Thanks for your question. Mr. Xiao Yuanqi, the chief risk officer, will answer it.

肖远企:

Xiao Yuanqi:

谢谢，这个问题最近一两天大家非常关注。在深圳确实出现这样的情况，我们监管部门深圳银保监局、人民银行深圳中心支行，在这几天都采取了相应的监管措施。我们认为，贷款一定要按照申请贷款时的用途真实使用资金，不能够挪用，如果是通过房产抵押申请的贷款，包括经营和按揭贷款都必须要真实遵循申请时的资金用途。我们要求银行一定要监控资金流向，确保资金运用在申请贷款时的标的上，对于违规把贷款流入到房地产市场的行为要坚决予以纠正。谢谢。

Thank you. This has been a matter of concern recently. Our Shenzhen Office and the Shenzhen Central Sub-branch of the People's Bank of China have taken appropriate supervision measures. We hold that loans should be used in strict accordance with the application, and no diversions should be allowed. For mortgage lending businesses, both operation and mortgage loan usage should correspond with the intended use of the funds as written on the applications. We require the banks to monitor the money flow and make sure that funds are used for the right purposes; as for loans that have been illegally moved into the real estate industry, we have asked them to diligently make corrections. Thanks.

英国金融时报记者:

Financial Times:

新冠疫情对中小商业银行偿付能力产生了哪些影响，你们预计今年会出现更多监管重组的措施吗？　　

How does the pandemic impact the solvency of small and medium-sized commercial banks? Do you anticipate more monitoring and reform measures to emerge this year?

黄洪:

Huang Hong:

谢谢你的问题，这个问题请银保监会曹宇副主席回答。

Thanks for your question. Mr. Cao Yu, vice chairman of the CBIRC, will answer it.

曹宇:

Cao Yu:

谢谢记者的提问。我们国家中小银行大概有4000多家法人机构，总资产大概在77万亿元左右，中小银行是我国银行业金融机构服务三农、服务中小微企业的主力军。由于中小银行自身管理能力和经营实力有限，特别是它的客户群体有一定的特殊性，在当前疫情的情况下，中小银行受到的冲击也是比较明显的。

Thanks for your question. In China, there are more than 4,000 legal entities that are small and medium-sized banks, with total assets of around 77 trillion yuan. Small and medium-sized banks are the main force to provide financing services for the agriculture sector and small and medium-sized enterprises. Since the management ability and business capacity of these banks is limited, and especially since their customers are special to some extent, the impact of the pandemic on these banks is quite noticeable. 　　

为此，按照国务院金融委的要求，银保监会现在在全力以赴的推动深化中小银行改革和化解风险工作，我们几个部门一起已经制定了相关的工作方案，应该说这项工作进展还是比较顺利的。大家今年会陆续看到中小银行的改革重组工作力度会比较大，特别是进行市场化重组这方面的力度和措施会比较多。这里我也给大家报告一下，最近有关方面对中小银行提供了很多有利的条件，特别是像中小银行的再贷款政策、定向降准政策等，包括银保监会也将对中小银行实行差异化的监管政策，这些方面都将为中小银行的改革重组创造有利的条件。

To this end, according to the requirements of the Financial Stability and Development Committee under the State Council, the CBIRC has gone all out to deepen the reform of small and medium-sized banks and dissolve risks. Several departments in our sector have produced relevant work programs, which have thus far gone smoothly. This year, a string of great and significant reforms to small and medium-sized banks will occur, particularly in regard to market restructuring. Here, I would like to inform you that relevant sectors have provided favorable conditions for small and medium-sized banks, particularly with respect to the policies regarding renewal loans and targeted cuts to required reserve ratios. The CBIRC will also implement differential policies for the banks. All of these will create favorable conditions for their reform.　

我们相信，在我们共同的努力下，中小银行将会走上健康的发展轨道，特别是为服务三农、服务小微企业提供更多的金融服务，发挥他们应有的作用。我们也在此呼吁社会各界关心关注中小银行的发展，为他们的健康发展创造良好的内外部环境。谢谢大家。

We believe that with our joint efforts the small and medium-sized banks will get onto a path that allows for sound development. In particular, they will provide more financing services for the agriculture sector and small and medium-sized enterprises, and fully realize their roles. We would like to call on every aspect of society to pay attention to the development of small and medium-sized banks and provide an excellent internal and external environment to allow for their sound development. Thank you.

香港经济导报记者:

Hong Kong Economic Herald:

请问针对解决零信贷小微企业首贷难有哪些举措？　　

What measures will be taken to deal with small and micro businesses that lack credit records but want to get a loan for the first time?

黄洪:

Huang Hong:

谢谢你的提问，这个问题请首席风险官肖远企同志回答。

Thank you. Mr. Xiao will answer your question.

肖远企:

Xiao Yuanqi:

小微企业首贷问题我们非常重视，银保监会长期在小微企业的普惠金融方面做了很多工作，目前来说，确实还有一些小微企业，特别是微型企业、个体工商户等等，还没有获得相应的信贷支持，有的没有银行贷款。但这里面原因很多，有一些小微企业不符合获贷标准，有的是服务触角还不够，我们一直在强化相关的措施，使小微企业做到应贷尽贷，特别是对没有获取首贷的小微企业要加强服务，满足他们正常的贷款需求，提高首贷率。谢谢。

We attach great importance to this matter. The China Banking and Insurance Regulatory Commission (CBIRC) has done a great deal to provide inclusive financial support to small and micro-enterprises. Currently, there are indeed still some small and micro businesses, especially micro-enterprises and individually-owned businesses, who have not obtained credit support or bank loans. The reasons for this are multifaceted. Some enterprises don't meet the loan requirements and some don't have access to the service. We have been stepping up measures to ensure that small and micro enterprises get loans. In particular, we will strengthen services for small and micro enterprises that haven't obtained their first loans yet to fulfill loan demand and raise the first loan ratio.

中国日报记者:

China Daily:

近期有报道指出，银行保险机构售卖了一些客户信息多达数百万条，请问这个信息是否属实？银保监会如何保障客户的信息安全？谢谢。

It has been reported that some banks and insurance institutions sold millions of pieces of their client's information. Is this true? What will the China Banking and Insurance Regulatory Commission (CBIRC) do to ensure the information security of clients? Thank you.

黄洪:

Huang Hong:

谢谢你的提问，这个问题我来回答。银保监会始终对侵害金融消费者权益、损害客户信息安全的行为坚持零容忍的态度，一经发现，将严肃依法查处，严厉打击。我们关注到了媒体的相关报道，其实在报道之前两日，银保监会相关部门就已监测到了不法分子在境外发布的售卖信息，并立即部署相关机构进行全面排查。随后，相关机构也陆续发表了澄清的声明。经查，被贩卖的信息绝大部分是黑客伪造或拼凑的。

Thank you. I will take your question. The CBIRC has adopted a zero-tolerance attitude towards acts that infringe on the rights and interests of financial consumers and damage the information security of clients. Once discovered, such acts will be investigated in accordance with the law and punished severely. We have taken note of the media reports. In fact, we had already begun monitoring the illegal sale information outside of China two days before the reports came out, and we immediately asked relevant institutions to carry out a sweeping investigation. The institutions have subsequently released responses. Most of the information was fabricated and patched up by hackers.　　

银保监会高度重视银行保险机构网络安全工作，尤其把客户信息保护作为重中之重。近年来，已印发了一系列监管政策文件，要求银行保险机构认真贯彻落实个人信息保护方面的法律法规，加强客户隐私保护，对客户信息严格实行从采集到存储、销毁等全流程的制度化管理。

The CBIRC attaches great attention to the cybersecurity of banks and insurance institutions, and the protection of client information, in particular, is a top priority. Over the years, we have issued a lot of regulatory policies requiring banks and insurance institutions to implement individual information protection laws and regulations, enhance the protection of clients' private information and strictly carry out institutionalized management of client information from collection, to storage to destruction.　　

银保监会还建立了网络安全风险监测、风险预警、非现场监管、现场检查、监管评级等长效工作机制，把银行保险业客户信息保护工作纳入了日常信息科技风险监管中。银保监会还不定期组织开展客户信息保护专项行动，银行业、保险业网络安全的专项治理，指导监督银行保险机构加强网络安全风险排查整改。

The CBIRC established long-term working mechanisms that involve cybersecurity risk monitoring, risk warning, off-site supervision, on-site inspection and supervision rating, and incorporated the protection of client information in the banking and insurance sector into daily information technology risk monitoring. The CBIRC has also held special campaigns for client information protection and cybersecurity of the banking and insurance sectors at irregular intervals, thereby guiding and supervising banks and insurance institutions to strengthen the investigation and rectification of cybersecurity risks.　　

下一步，银保监会将继续坚持监管为民的理念，进一步强化银行业、保险业网络安全监管，督促银行保险机构继续加大相关工作力度，进一步构建安全可靠的网络金融环境，切实保护好金融消费者的权益。谢谢。

Next, the CBIRC will uphold the principle of "supervision for the people," further enhancing the cybersecurity supervision of the banking and insurance sectors and urging banks and insurance institutions to keep intensifying relevant work. We will further create a safe and reliable internet financial environment and protect the rights and interests of financial customers.

袭艳春:

Xi Yanchun:

再次感谢几位发布人，也谢谢大家，今天的发布会到此结束。

Thanks again to the speakers and everyone else. Today's press conference is hereby concluded.

文章来源：国新办

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