Adhere to the eternal theme of actively preventing and resolving financial risks. Improve the risk management level of financial institutions, strengthen the capacity building of financial supervision, avoid the absence and dislocation of supervision, effectively prevent the interaction between economic and financial risks, the mutual transfer of financial and fiscal risks, and the transfer of external risks to China. Actively and steadily resolve potential risks and keep the bottom line that systematic and regional financial risks will not occur. Continue to strengthen financial supervision. The banking industry should actively and steadily push forward the implementation of the new regulatory standards, constantly optimize the regulatory tools and index system, and effectively improve the banking risk identification, measurement, evaluation, monitoring, control and early warning capabilities. Adhere to the requirements of dynamic capital adequacy ratio, effectively control the leverage level, strengthen the regulatory requirements of loan provision ratio and provision coverage ratio, and constantly improve and strengthen liquidity risk supervision. According to the level of capital adequacy ratio, we will implement classified supervision of commercial banks, improve the supervision requirements for the capital adequacy ratio of systemically important banks, and promote the establishment of risk measurement and information management systems that are suitable for the implementation of the new Capital Accord. Strengthen consolidated supervision of financial groups. Strengthen the supervision of shareholders and actual controllers of financial institutions. Standardize the financial management and entrusted loan business of commercial banks. Further strengthen the supervision of banking market access and improve the effectiveness of off-site supervision and on-site inspection.

Strengthen the supervision of net capital of securities and futures companies and improve the risk control index system with net capital as the core. Strengthen the monitoring of dynamic risk control indicators and the net capital replenishment mechanism, and improve the classified supervision system of securities and futures companies. Promote securities and futures institutions to improve corporate governance and compliance management and improve risk management capabilities. Continue to promote listed companies to improve corporate governance. Strengthen the operation supervision and risk prevention of the securities and futures market, and severely crack down on illegal activities such as market manipulation.

Improve the solvency supervision system of the insurance industry, strengthen the capital replenishment and restraint mechanism, and improve the risk-oriented classified supervision system. Improve the insurance company governance supervision system and standards, and significantly improve the execution of the corporate governance supervision system. Strengthen the supervision of the use of insurance funds to prevent investment risks. Give play to the important role of insurance guarantee fund. Strengthen the prevention and early warning of systemic financial risks, establish and improve the monitoring and evaluation methods and operational framework of systemic financial risks suitable for China's national conditions, improve the monitoring and evaluation mechanism of cross-industry, cross-market and cross-border financial risks, and strengthen the identification and early warning of major risks. Clarify the regulatory responsibilities and rules of cross-cutting financial business and financial holding companies, and strengthen the supervision of systemically important financial institutions. Guide financial institutions to effectively strengthen government debt management, pay attention to the risks of local government financing platforms, and avoid mutual transfer of financial and financial risks. Strengthen the statistical monitoring, risk assessment and macro-prudential management of the "shadow banking" system.

Improve the monitoring and early warning system for cross-border capital flows and improve the emergency plan for international payment. Guide and standardize the healthy development of private financing, improve the institutional framework such as laws and regulations, strengthen guidance and education, and give play to the supplementary role of private lending to formal finance. Severely crack down on illegal financial activities such as usury, illegal fund-raising, underground money houses and illegal securities, strengthen the monitoring and supervision of guarantee companies, pawn shops and other institutions, and maintain a good financial order.

Box 4: Deposit insurance system The deposit insurance system is an institutional arrangement to deal with the risks of deposit-taking financial institutions such as commercial banks. Mainly refers to the deposit financial institutions to deposit insurance institutions to pay premiums to buy deposit insurance. When financial institutions are on the verge of bankruptcy or bankruptcy, deposit insurance institutions use deposit insurance funds to pay depositors in time and deal with the problem institutions in time, thus playing a role in protecting depositors' interests and maintaining financial stability. Compared with the government's direct rescue of financial institutions, the advantage of deposit insurance system lies in establishing a market-oriented risk compensation mechanism, so that the market, shareholders and depositors can share the financial losses caused by the collapse of financial institutions reasonably. Since the United States established the world's first deposit insurance system in the 1930s, so far, more than 100 countries have established this system, and the deposit insurance system has become an important means for the government to prevent and resolve systemic financial risks and respond to financial crises.