1. Preventing and controlling high financial leverage risks (1) Preventing financial product risks.

Organize and carry out leverage risk inspections of financial products to ensure that financial product risk indicators meet regulatory requirements.

Strengthen the supervision of bank financial management funds connected with asset management products, standardize fund investment directions, limits and transaction objects, and strictly control high-interest financing operations through mezzanine investment, "famous stocks and real debt", "drawer agreements", repurchase agreements and other methods.

Standardize the conduct of bill business and strictly prevent arbitrage and misappropriation of bill funds.

Strengthen the risk prevention and control of various types of stock market leverage financing to ensure that the leverage ratio of securities and futures asset management businesses is compliant.

Pay close attention to the risks of investment products such as “universal insurance” of insurance companies.

(Leading units: People’s Bank of China Chongqing Operations Department, Chongqing Banking Regulatory Bureau, Chongqing Securities Regulatory Bureau, Chongqing Insurance Regulatory Bureau) (2) Strengthen banking industry risk prevention.

Improve the management and control capabilities of banking financial institutions on credit risks, liquidity risks, operational risks, etc., strengthen risk prevention in key areas and industries such as local government debt and real estate, and ensure that banks' non-performing loan ratios are stabilized within a reasonable range.

Explore the establishment of financial innovation filing management and ledger monitoring systems, increase the implementation of unified credit, list management and other systems, strengthen credit management from the source, prevent multiple loans and excessive credit, and strengthen dynamic risk management.

Strengthen the supervision of process behavior, comprehensively promote the audio and video recording of financial products and consignment products and the construction of special outlets, and seriously investigate and deal with employees' sales of "flying orders" and participation in illegal fund-raising.

(Leading unit: Chongqing Banking Regulatory Bureau) (3) Strengthen risk prevention in the securities market.

Urge securities, fund and futures operating institutions to strengthen investor suitability management and improve the customer classification system and dynamic assessment mechanism.

Strengthen information disclosure by listed companies and companies listed on the National Equities Exchange and Quotations and standardize operations.

Supervise private equity fund managers to abide by their contracts with integrity and operate in accordance with laws and regulations, and severely punish violations of laws and regulations such as promising to protect capital and profits, illegal fund-raising, etc.

Pay close attention to possible redemption risks in corporate bonds, inter-bank market financing instruments, corporate bonds and other products.

(Leading unit: Chongqing Securities Regulatory Bureau; Coordinating units: Municipal Development and Reform Commission, Chongqing Operations Department of the People’s Bank of China) (4) Strengthen risk prevention in the insurance industry.

Continue to prevent insurance institutions from the risks of maturity benefits and abnormal surrenders, and prevent and resolve the risks of insurance fraud and other cases.

Promote the construction of insurance anti-fraud centers and improve the system for screening fraud clues and the construction of information platforms.

Closely monitor the risks that may arise from the integration of new technologies such as the Internet and insurance, severely crack down on misleading sales, illegal operation of Internet insurance businesses, and other behaviors, and effectively protect the legitimate rights and interests of consumers.

(Leading unit: Chongqing Insurance Regulatory Bureau) (5) Establish a high-leverage risk monitoring and early warning mechanism.

In accordance with the principles of "transparency, isolation and controllability", we will focus on the cross-industry and cross-market operating risks of banks, securities, trusts, Internet finance and other institutions.

Strengthen the risk prevention and control of cross-cutting high-leverage financial businesses, improve risk monitoring, assessment, early warning, information sharing, major risk event reporting and other mechanisms, and strictly prevent the concealment, transfer and amplification of risks.

Research and formulate emergency response measures for high leverage risks, and promote the construction of a comprehensive statistical system for the financial industry.

(Leading units: Chongqing Operations Department of the People's Bank of China, Chongqing Banking Regulatory Bureau; Coordinating units: Municipal Finance Office, Chongqing Securities Regulatory Bureau, Chongqing Insurance Regulatory Bureau) 2. Prevent and control local financial risks (1) Prevent factor market risks.

Strictly review and approve factor market institutions and businesses, and strictly implement the "five prohibitions", that is, it is not allowed to carry out high-leverage businesses such as futures trading, it is not allowed to solicit deposits at high interest rates, it is not allowed to raise funds randomly without a fixed target, and it is not allowed to establish "funds" in violation of regulations

"Pool", online lending intermediary companies or businesses are not allowed to be opened.

Close high-risk non-main businesses and carry out risk investigation of exhibition agencies.

Strengthen the management of qualified investors, strengthen the management of investor access qualifications and the review of the legality of capital sources, strengthen the leverage calculation and risk analysis of the entire process of capital operations, effectively implement the product sales audio and video system, and strengthen investor risk awareness and risk warnings

.

Strengthen the monitoring of trading margins, limit excessive speculation, and encourage commodity contract trading venues to expand the proportion of spot delivery.

(Leading unit: Municipal Finance Office; Coordinating units: Municipal State-owned Assets Supervision and Administration Commission, Municipal Industry and Commerce Bureau) (2) Prevent risks from new financial institutions.

Strengthen on-site inspections and off-site supervision of small loans and guarantee institutions, promote industry reduction and quality improvement, and improve risk provision coverage.

Revitalize the mortgaged assets of small loan companies, prevent and resolve liquidity risks, and adhere to the "three red lines", that is, illegal fundraising and public deposits are not allowed, loans with interest rates that violate relevant legal provisions are not allowed, and violence, intimidation and other means are not allowed to illegally collect

loan.

Strengthen supervision of Internet small loan companies.

Use the opportunity of the expiry of the guarantee institution's business license to renew the license to promote the exit of the institution, promote the integration and reorganization of government guarantee companies, and accelerate market clearing.

Organize and implement risk inspections in the financial leasing, pawn, and factoring industries.

Strengthen source management and dynamic monitoring of non-financial enterprises such as investment consulting companies that declare to engage in financial activities.

(Leading unit: Municipal Finance Office; Coordinating units: Municipal Commerce Commission, Municipal Foreign Economic and Trade Commission, Municipal Industry and Commerce Bureau) (3) Prevent Internet financial risks.

Comprehensively carry out special rectification work on Internet financial risks, adhere to the principle of "fighting against illegality, protecting legality, actively, steadily and orderly resolving them, clarifying the division of labor, strengthening collaboration, combining long-term and near-term, and rectifying and correcting at the same time", through thorough investigation, screening and classification, cleaning and rectification

, effectively prevent and resolve risks in the Internet financial field.