Preventing and controlling regional and systemic financial risks has become the key to China's financial reform and development under the new normal.

The following is the 2017 credit risk investigation report I collected. Everyone is welcome to read and refer to it! In order to give full play to the development and reform functions, continuously optimize the financial ecological environment, and ensure the safe, efficient and stable operation of the financial industry, in accordance with relevant requirements, our bureau will prevent financial risks in accordance with

In the spirit of the document, risk investigation and rectification are carried out. The situation is now summarized as follows: 1. Unify thinking and strengthen leadership. The leaders of our bureau attach great importance to it and hold a special deployment meeting to convey the relevant spirit. With "strictly preventing financial risks" as the general requirement, we must not

To target the occurrence of regional and systemic risks, a leading group is established, with the director as the leader and the heads of each unit as members, responsible for comprehensive coordination and daily affairs.

2. Clarify responsibilities, division of labor and cooperation. According to the requirements of the documents, our bureau handles the approval of investment enterprise projects in strict accordance with the law and procedures, and investigates whether the owners operate beyond the scope, engage in illegal fund-raising, or covertly absorb public deposits, issue usury and other illegal activities,**

*6 personnel were dispatched to investigate 19 owners.

Carry out investigation and management actions on advertising information involving illegal fund-raising, quickly investigate all kinds of advertising clues and hidden dangers suspected of illegal fund-raising, and achieve early warning, early control, and early disposal to prevent the spread of risks.

Crack down on the publication of suspected illegal fund-raising advertisements in accordance with the law, and promptly suspend and punish units that publish such advertisements for a long time, or even ban the publishing qualifications of advertising business units.

Improve the anti-fraud and anti-risk performance of financial products and services, and achieve the integration of supervision and services.

Carry out financial fraud prevention publicity and education.

Rely on the online platform to publicize service procedures, laws and regulations, realize one-click dialing of service hotlines, and regularly publish consumption tips in "dynamic announcements" to enhance the national awareness and ability to prevent financial fraud.

In 2017, the city's financial work centered on the work of the Municipal Party Committee and the Municipal *** Center, actively promoted financial reform and innovation, comprehensively carried out the construction of provincial and Ningbo financial innovation demonstration cities and financial ecological demonstration zones, and further implemented various financial measures to serve the real economy.

We have strengthened assistance and assistance to enterprises in difficulty and the prevention and control of various financial risks, and the city's financial industry has generally maintained stable and healthy development.

As of the end of 2017, the city's deposit balance in local and foreign currencies was 171.819 billion yuan, a decrease of 1.202 billion yuan from the beginning of the year, a year-on-year increase of 1.30%. The balance of various loans was 183.950 billion yuan, an increase of 19.436 billion yuan from the beginning of the year, a year-on-year increase of 11.81%.

The balance of non-performing loans in local and foreign currencies was 5.609 billion yuan, and the non-performing loan rate was 3.04%, an increase of 1.62 percentage points from the beginning of the year.

The city's insurance institutions achieved premium income of 2.490 billion yuan, accounting for 17.86% of all premium income in Ningbo, a year-on-year increase of 9.78%, and completed insurance compensation of 1.142 billion yuan.

The trading volume of stock funds of securities institutions in the city (including the volume of new share subscription transactions) was 192.823 billion yuan, a year-on-year increase of 42.63%.

The total assets of securities institutions reached 13.738 billion yuan, a year-on-year increase of 65.26%.

1. Promote financial reform and innovation 1. Deepen the pilot program of rural capital insurance mutual assistance.

First, support the development of rural insurance mutual aid cooperatives.

Actively implement financial and policy support for the pilot projects of rural insurance mutual aid cooperatives.

Since last year, the municipal finance has implemented a comprehensive subsidy of 1 million yuan per year for two years to the rural insurance mutual aid cooperatives to subsidize villagers' premiums.

At present, the mutual aid cooperatives are operating well, and the insurance coverage rate is expected to reach 70% in the near future.

The second is to cooperate with the regulatory authorities to strengthen the supervision of mutual funds.

Strictly control risks in accordance with regulatory requirements, and make preparations for the timely reorganization of mutual funds into village banks and rural cooperative banks to undertake deposit and loan businesses.

The third is to explore pilot mutual fund associations.

In cooperation with the Municipal Rural Cooperative Federation, the Municipal Federation of Supply and Marketing, and the Municipal Agricultural Office, the pilot preparations for mutual fund associations were carried out.

At present, the city's first mutual fund association has been initiated and established by the Municipal Federation of Supply and Marketing in conjunction with a number of professional cooperatives.

2. Promote rural cooperative banks to complete the joint-stock reform.

Actively coordinate with relevant units such as the Provincial Cooperative, Municipal Rural Cooperative Bank, etc., and set up a preparatory working group for the establishment of Ningbo Cixi Rural Commercial Bank Co., Ltd. headed by the mayor in charge, to fully promote the joint-stock reform of rural cooperative banks.

At the end of last year, Cixi Rural Commercial Bank Co., Ltd. was officially established.

3. Promote the sunshine of private capital.

Actively support the development of private capital management companies that have been piloted, clarify relevant financial support policies, help coordinate office operations in the city's cultural and business district, promote their docking and communication with more municipal projects and corporate financing projects, and accelerate business development.

Support Cixi United Private Financing Service Center to prepare for opening and carry out private fund transaction matching, project intermediary, investment management consulting and other businesses to expand the scope of private capital services.

4. Explore and develop technological finance and Internet finance.

The first is to promote the preparatory work for specialized institutions specialized in science and technology finance.

Further strengthen the docking and coordination with Hangzhou Bank, the bank to be launched, and speed up preparations by holding multiple symposiums and exchange meetings, organizing study tours to advanced areas, etc.

At present, Bank of Hangzhou has submitted reporting materials on preparations to the municipal government.

The second is to explore and study Internet finance.