本報(bao)訊?記(ji)者李國(guo)輝報(bao)道?2020年中(zhong)(zhong)國(guo)人(ren)(ren)(ren)民(min)銀(yin)行(xing)(xing)工(gong)(gong)作(zuo)(zuo)會(hui)(hui)議1月2日至3日在(zai)北京(jing)召開。會(hui)(hui)議以習(xi)近平新(xin)時代中(zhong)(zhong)國(guo)特(te)色社(she)會(hui)(hui)主義(yi)思想(xiang)為(wei)指(zhi)導(dao)，深入(ru)學習(xi)貫徹黨(dang)(dang)的十九屆(jie)四中(zhong)(zhong)全會(hui)(hui)和中(zhong)(zhong)央(yang)經濟(ji)工(gong)(gong)作(zuo)(zuo)會(hui)(hui)議精神，總結2019年主要工(gong)(gong)作(zuo)(zuo)，分析(xi)當前經濟(ji)金融形勢，部署2020年重點工(gong)(gong)作(zuo)(zuo)。人(ren)(ren)(ren)民(min)銀(yin)行(xing)(xing)行(xing)(xing)長易綱(gang)、黨(dang)(dang)委(wei)(wei)(wei)書記(ji)郭樹清出席(xi)會(hui)(hui)議并講話(hua)。人(ren)(ren)(ren)民(min)銀(yin)行(xing)(xing)黨(dang)(dang)委(wei)(wei)(wei)委(wei)(wei)(wei)員(yuan)、副行(xing)(xing)長陳雨(yu)露(lu)、潘功(gong)勝、范一(yi)飛、朱鶴(he)新(xin)、劉國(guo)強(qiang)，中(zhong)(zhong)央(yang)紀(ji)委(wei)(wei)(wei)國(guo)家監(jian)委(wei)(wei)(wei)駐中(zhong)(zhong)國(guo)人(ren)(ren)(ren)民(min)銀(yin)行(xing)(xing)紀(ji)檢監(jian)察組組長、人(ren)(ren)(ren)民(min)銀(yin)行(xing)(xing)黨(dang)(dang)委(wei)(wei)(wei)委(wei)(wei)(wei)員(yuan)徐加愛出席(xi)會(hui)(hui)議，并就(jiu)分管領域工(gong)(gong)作(zuo)(zuo)提出具體(ti)要求。
會議認為，2019年，在黨(dang)中央、國務(wu)院的(de)(de)(de)堅強(qiang)領導(dao)下，面對(dui)國內外(wai)風險挑戰明顯(xian)上升的(de)(de)(de)復雜局面，人民銀行堅持實施(shi)穩健的(de)(de)(de)貨幣政策，堅決(jue)打好防范化解重(zhong)大金融(rong)風險攻堅戰，持續(xu)深化金融(rong)供給側(ce)結構性改革，不斷改善金融(rong)管理(li)和服(fu)務(wu)，不忘初(chu)心、牢記使命，勇于(yu)擔當(dang)、真抓實干，各(ge)項(xiang)工作取得(de)了顯(xian)著成效。
一是(shi)貨(huo)(huo)幣(bi)政(zheng)策(ce)針對性(xing)實效(xiao)性(xing)進一步(bu)提(ti)升(sheng)。針對經濟下(xia)行(xing)(xing)(xing)壓力加大，貨(huo)(huo)幣(bi)政(zheng)策(ce)突出逆(ni)周期調(diao)節，三次(ci)下(xia)調(diao)金(jin)融機構存(cun)款準備金(jin)率；創設央行(xing)(xing)(xing)票據(ju)互(hu)換(huan)工具，支持銀行(xing)(xing)(xing)發(fa)行(xing)(xing)(xing)永續債(zhai)補(bu)充(chong)資本(ben)，提(ti)高銀行(xing)(xing)(xing)貸款投放能力；靈活運用(yong)中期借貸便(bian)利(li)、常備借貸便(bian)利(li)和(he)公開市場操作等(deng)多種貨(huo)(huo)幣(bi)政(zheng)策(ce)工具，保持銀行(xing)(xing)(xing)體系(xi)流(liu)動性(xing)合(he)理充(chong)裕。全年廣(guang)義貨(huo)(huo)幣(bi)供應(ying)量M2和(he)社會融資規(gui)模增速與國內生產總(zong)值名義增速基本(ben)匹配。同時，注重用(yong)改革的辦法疏通貨(huo)(huo)幣(bi)政(zheng)策(ce)傳導，改革完善貸款市場報價利(li)率（LPR）形成機制，打破貸款利(li)率隱性(xing)下(xia)限，千方百計(ji)降低企業融資成本(ben)。進一步(bu)增強人(ren)民幣(bi)匯率彈性(xing)，保持人(ren)民幣(bi)匯率在合(he)理均衡水平(ping)上的基本(ben)穩定。
二(er)是防范(fan)化解重大(da)(da)金(jin)融(rong)(rong)(rong)(rong)(rong)風險(xian)攻堅(jian)戰取得關鍵進(jin)展。人(ren)民銀行(xing)認(ren)真履行(xing)金(jin)融(rong)(rong)(rong)(rong)(rong)委辦公(gong)室職責，牽頭實(shi)施防范(fan)化解重大(da)(da)金(jin)融(rong)(rong)(rong)(rong)(rong)風險(xian)攻堅(jian)戰行(xing)動方(fang)案。經(jing)過努力，宏(hong)觀杠桿率過快上升勢頭得到有效(xiao)遏制，影(ying)子(zi)銀行(xing)治理成效(xiao)明顯，重點金(jin)融(rong)(rong)(rong)(rong)(rong)機(ji)(ji)構風險(xian)處(chu)置取得重大(da)(da)突破，外部(bu)沖擊(ji)風險(xian)得到有效(xiao)應對，債券違約處(chu)置機(ji)(ji)制不斷(duan)完善，互(hu)聯網金(jin)融(rong)(rong)(rong)(rong)(rong)風險(xian)得到全(quan)面治理。特別是依法(fa)果斷(duan)接管包(bao)商銀行(xing)，在最大(da)(da)程度(du)保護存款(kuan)人(ren)和客戶合法(fa)權益的同時，堅(jian)決打破了剛(gang)性兌付，嚴肅(su)了市(shi)場(chang)紀律，促進(jin)了金(jin)融(rong)(rong)(rong)(rong)(rong)市(shi)場(chang)信用分層，推動了市(shi)場(chang)風險(xian)合理定價。同時，加(jia)強長效(xiao)機(ji)(ji)制建設，加(jia)快補齊(qi)外債、房地產(chan)金(jin)融(rong)(rong)(rong)(rong)(rong)等(deng)宏(hong)觀審慎(shen)政策(ce)框架，以及(ji)金(jin)融(rong)(rong)(rong)(rong)(rong)控股公(gong)司監管、統籌(chou)金(jin)融(rong)(rong)(rong)(rong)(rong)基礎設施監管等(deng)制度(du)短板(ban)。
三是金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)支持(chi)實體經濟力度不斷加(jia)大(da)。推(tui)(tui)動(dong)金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)機構支持(chi)重點領域、重大(da)項目和重要在建工(gong)程，促(cu)進制造業(ye)(ye)(ye)高質(zhi)量發展。金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)精準扶貧(pin)成(cheng)效(xiao)顯著。鄉村振興金(jin)(jin)融(rong)(rong)(rong)(rong)(rong)服務持(chi)續(xu)改善(shan)，“兩權”抵押貸款試點有效(xiao)銜接。進一(yi)步(bu)緩解小(xiao)(xiao)微(wei)民營企(qi)(qi)(qi)業(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)難融(rong)(rong)(rong)(rong)(rong)資(zi)貴，繼(ji)續(xu)推(tui)(tui)動(dong)形成(cheng)“幾家抬”政(zheng)策(ce)合力，創新運(yun)用(yong)多種貨幣政(zheng)策(ce)工(gong)具,充分發揮民營企(qi)(qi)(qi)業(ye)(ye)(ye)債券融(rong)(rong)(rong)(rong)(rong)資(zi)支持(chi)工(gong)具作用(yong)，加(jia)大(da)小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)應收賬款融(rong)(rong)(rong)(rong)(rong)資(zi)支持(chi)，創新改進小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)征信服務。經過各方面(mian)共同(tong)努(nu)力，小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)融(rong)(rong)(rong)(rong)(rong)資(zi)呈“量增、面(mian)擴(kuo)、價(jia)降”良好(hao)趨勢，超額完(wan)成(cheng)2019年國有大(da)型商業(ye)(ye)(ye)銀行小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)貸款增長(chang)30%以上(shang)、小(xiao)(xiao)微(wei)企(qi)(qi)(qi)業(ye)(ye)(ye)信貸綜合成(cheng)本下降1個百分點的政(zheng)策(ce)目標。
四是金融改(gai)革開放不斷深(shen)化。集(ji)中宣(xuan)布30多條開放措施，明確將取消證券、基金、期貨、人(ren)身險的(de)外資(zi)(zi)持股比例時間提(ti)(ti)前至2020年。全面取消合格(ge)境(jing)(jing)外投資(zi)(zi)者(zhe)(zhe)投資(zi)(zi)額度限(xian)制。允許外資(zi)(zi)機(ji)構開展(zhan)銀行(xing)間市(shi)場債(zhai)券承銷(xiao)和(he)評級(ji)業務(wu)。出臺12項進一(yi)(yi)(yi)步(bu)促進跨境(jing)(jing)貿易投資(zi)(zi)便利化措施。取消人(ren)民(min)幣合格(ge)境(jing)(jing)外機(ji)構投資(zi)(zi)者(zhe)(zhe)試(shi)點國(guo)家和(he)地區(qu)(qu)限(xian)制。提(ti)(ti)高澳門(men)個人(ren)人(ren)民(min)幣匯(hui)款額度。擴大(da)人(ren)民(min)幣跨境(jing)(jing)支付系統參與機(ji)構數量(liang)。推動(dong)債(zhai)券市(shi)場基礎設(she)施互(hu)聯互(hu)通。積極做好金融支持海南(nan)自貿試(shi)驗區(qu)(qu)及自貿港(gang)、粵港(gang)澳大(da)灣區(qu)(qu)、長三角高質量(liang)一(yi)(yi)(yi)體(ti)化發展(zhan)等區(qu)(qu)域金融改(gai)革工作。國(guo)際和(he)區(qu)(qu)域金融合作持續深(shen)化。發揮G20平臺作用(yong)，加強(qiang)國(guo)際宏觀經濟金融政策協調(diao)，維護多邊規則和(he)體(ti)制。推動(dong)落實第二屆“一(yi)(yi)(yi)帶一(yi)(yi)(yi)路”國(guo)際合作高峰論壇(tan)成(cheng)果(guo)。
五是金(jin)(jin)融(rong)(rong)服務(wu)和管理水平不斷(duan)提(ti)升(sheng)。切實履行(xing)統籌金(jin)(jin)融(rong)(rong)業(ye)重(zhong)要立(li)法職責，提(ti)高(gao)依法行(xing)政(zheng)水平。金(jin)(jin)融(rong)(rong)業(ye)綜合統計(ji)工作進展順(shun)利，金(jin)(jin)融(rong)(rong)基礎數據(ju)中(zhong)(zhong)(zhong)心如期成立(li)。央行(xing)基礎性重(zhong)大問題研究水平穩步提(ti)高(gao)。現代央行(xing)財(cai)務(wu)治理建(jian)(jian)設、中(zhong)(zhong)(zhong)央銀(yin)行(xing)資產(chan)負(fu)債表(biao)健康機制(zhi)建(jian)(jian)設不斷(duan)深化(hua)。全面取(qu)消企業(ye)開立(li)銀(yin)行(xing)賬戶(hu)行(xing)政(zheng)許(xu)可。移(yi)動支付便民(min)工程向縱(zong)深發(fa)(fa)展。完成支付機構客戶(hu)備付金(jin)(jin)全額(e)集中(zhong)(zhong)(zhong)存(cun)管。發(fa)(fa)布金(jin)(jin)融(rong)(rong)科(ke)技(ji)發(fa)(fa)展規劃，開展金(jin)(jin)融(rong)(rong)科(ke)技(ji)應用(yong)試(shi)點，全球(qiu)法人識別編(bian)碼（LEI）賦碼量顯著提(ti)升(sheng)。成功發(fa)(fa)行(xing)2019年版人民(min)幣(bi)和新中(zhong)(zhong)(zhong)國(guo)成立(li)70周年紀念幣(bi)。法定數字貨幣(bi)研發(fa)(fa)進展順(shun)利。進一步規范(fan)大額(e)現金(jin)(jin)管理。優化(hua)國(guo)庫退(tui)(tui)庫流(liu)程，確(que)保減(jian)稅政(zheng)策紅利在小微企業(ye)落地落實。出臺信(xin)用(yong)評(ping)級業(ye)管理暫(zan)行(xing)辦(ban)法，在北(bei)京、上海(hai)開展動產(chan)擔保統一登(deng)記和查詢，助(zhu)推我國(guo)營商環(huan)境世界排(pai)名大幅提(ti)升(sheng)。中(zhong)(zhong)(zhong)國(guo)反洗錢和反恐怖融(rong)(rong)資互評(ping)估報告(gao)通過(guo)金(jin)(jin)融(rong)(rong)行(xing)動特(te)別工作組全會審議。建(jian)(jian)立(li)金(jin)(jin)融(rong)(rong)消費權益保護(hu)協(xie)調工作機制(zhi)，進一步規范(fan)金(jin)(jin)融(rong)(rong)營銷宣傳行(xing)為。全系(xi)統內部審計(ji)、參事研究、安全保衛、離退(tui)(tui)休干部服務(wu)、后(hou)勤(qin)保障等各(ge)項(xiang)工作取(qu)得新成效(xiao)。
人民銀(yin)行上(shang)海(hai)總部、各分支(zhi)機構、直(zhi)屬(shu)企事業單位(wei)和(he)相(xiang)關單位(wei)擔(dan)當作(zuo)(zuo)為(wei)，扎實工(gong)作(zuo)(zuo)，落實金(jin)(jin)融(rong)(rong)服務實體經濟各項政(zheng)策，不斷提(ti)高(gao)金(jin)(jin)融(rong)(rong)管理和(he)金(jin)(jin)融(rong)(rong)服務效果，切實維護轄區金(jin)(jin)融(rong)(rong)穩(wen)定(ding)，有(you)力(li)地(di)支(zhi)持了總行工(gong)作(zuo)(zuo)和(he)地(di)方金(jin)(jin)融(rong)(rong)業發展。
會(hui)議(yi)指出(chu)，2019年，人(ren)民(min)銀行(xing)(xing)全(quan)(quan)面從嚴(yan)治(zhi)(zhi)(zhi)(zhi)黨(dang)(dang)(dang)(dang)取得顯著(zhu)(zhu)成效(xiao)，全(quan)(quan)系(xi)(xi)統(tong)黨(dang)(dang)(dang)(dang)風(feng)(feng)行(xing)(xing)風(feng)(feng)持(chi)(chi)續向(xiang)好(hao)。一(yi)(yi)是(shi)圍繞(rao)踐(jian)行(xing)(xing)“兩個(ge)(ge)維護”加強(qiang)(qiang)(qiang)黨(dang)(dang)(dang)(dang)的(de)(de)(de)(de)政治(zhi)(zhi)(zhi)(zhi)建(jian)(jian)(jian)(jian)設。行(xing)(xing)黨(dang)(dang)(dang)(dang)委樹牢“四(si)個(ge)(ge)意(yi)(yi)(yi)識”，增(zeng)強(qiang)(qiang)(qiang)“四(si)個(ge)(ge)自信(xin)”，以釘釘子(zi)精(jing)(jing)神(shen)(shen)堅決(jue)抓好(hao)習(xi)近(jin)平(ping)(ping)(ping)總書記重要指示(shi)(shi)(shi)批示(shi)(shi)(shi)精(jing)(jing)神(shen)(shen)的(de)(de)(de)(de)貫徹(che)落(luo)實(shi)(shi)(shi)。持(chi)(chi)續開(kai)展(zhan)政治(zhi)(zhi)(zhi)(zhi)紀律和(he)(he)(he)政治(zhi)(zhi)(zhi)(zhi)規(gui)(gui)矩學習(xi)教(jiao)育(yu)，認(ren)真貫徹(che)民(min)主(zhu)集中制(zhi)，嚴(yan)格執行(xing)(xing)重大(da)事(shi)項請示(shi)(shi)(shi)報告制(zhi)度(du)。認(ren)真落(luo)實(shi)(shi)(shi)意(yi)(yi)(yi)識形(xing)態工(gong)作(zuo)責(ze)任(ren)(ren)制(zhi)，增(zeng)強(qiang)(qiang)(qiang)斗爭(zheng)(zheng)精(jing)(jing)神(shen)(shen)和(he)(he)(he)斗爭(zheng)(zheng)意(yi)(yi)(yi)識。二是(shi)通(tong)過扎實(shi)(shi)(shi)開(kai)展(zhan)“不(bu)(bu)忘初(chu)心(xin)、牢記使命”主(zhu)題教(jiao)育(yu)進(jin)一(yi)(yi)步(bu)堅定了(le)理想(xiang)信(xin)念(nian)。全(quan)(quan)系(xi)(xi)統(tong)黨(dang)(dang)(dang)(dang)組(zu)織(zhi)和(he)(he)(he)黨(dang)(dang)(dang)(dang)員干(gan)部進(jin)一(yi)(yi)步(bu)加深(shen)(shen)了(le)對黨(dang)(dang)(dang)(dang)的(de)(de)(de)(de)初(chu)心(xin)使命的(de)(de)(de)(de)理解(jie)(jie)，深(shen)(shen)化了(le)對習(xi)近(jin)平(ping)(ping)(ping)新時代(dai)中國特(te)色社會(hui)主(zhu)義(yi)(yi)思想(xiang)精(jing)(jing)髓的(de)(de)(de)(de)領悟，充分認(ren)識到(dao)(dao)中國特(te)色社會(hui)主(zhu)義(yi)(yi)制(zhi)度(du)和(he)(he)(he)國家治(zhi)(zhi)(zhi)(zhi)理體(ti)系(xi)(xi)的(de)(de)(de)(de)顯著(zhu)(zhu)優勢，進(jin)一(yi)(yi)步(bu)增(zeng)強(qiang)(qiang)(qiang)了(le)“四(si)個(ge)(ge)自信(xin)”。三(san)是(shi)擔當作(zuo)為(wei)積極性(xing)(xing)主(zhu)動性(xing)(xing)明顯增(zeng)強(qiang)(qiang)(qiang)。全(quan)(quan)系(xi)(xi)統(tong)自覺落(luo)實(shi)(shi)(shi)黨(dang)(dang)(dang)(dang)中央賦(fu)予的(de)(de)(de)(de)新使命，更(geng)好(hao)地(di)發揮金(jin)(jin)融(rong)管理統(tong)籌協(xie)調、牽頭(tou)抓總的(de)(de)(de)(de)作(zuo)用，切實(shi)(shi)(shi)擔負起(qi)防范化解(jie)(jie)系(xi)(xi)統(tong)性(xing)(xing)金(jin)(jin)融(rong)風(feng)(feng)險、維護金(jin)(jin)融(rong)穩定的(de)(de)(de)(de)法定職責(ze)，加快(kuai)完善(shan)宏(hong)觀審(shen)慎(shen)政策框架(jia)，補齊制(zhi)度(du)短板。四(si)是(shi)為(wei)民(min)服務解(jie)(jie)難題落(luo)到(dao)(dao)實(shi)(shi)(shi)處(chu)。行(xing)(xing)黨(dang)(dang)(dang)(dang)委堅持(chi)(chi)以人(ren)民(min)為(wei)中心(xin)的(de)(de)(de)(de)發展(zhan)思想(xiang)，帶(dai)頭(tou)做到(dao)(dao)為(wei)民(min)服務解(jie)(jie)難題。在謀劃工(gong)作(zuo)時，緊(jin)緊(jin)扭住新發展(zhan)理念(nian)推動發展(zhan)，把注意(yi)(yi)(yi)力集中到(dao)(dao)解(jie)(jie)決(jue)各(ge)種不(bu)(bu)平(ping)(ping)(ping)衡不(bu)(bu)充分的(de)(de)(de)(de)問(wen)題上。五是(shi)內部制(zhi)度(du)建(jian)(jian)(jian)(jian)設和(he)(he)(he)組(zu)織(zhi)建(jian)(jian)(jian)(jian)設不(bu)(bu)斷完善(shan)。大(da)力推動全(quan)(quan)系(xi)(xi)統(tong)各(ge)級機關黨(dang)(dang)(dang)(dang)的(de)(de)(de)(de)建(jian)(jian)(jian)(jian)設規(gui)(gui)范發展(zhan)，制(zhi)定出(chu)臺(tai)了(le)人(ren)民(min)銀行(xing)(xing)系(xi)(xi)統(tong)加強(qiang)(qiang)(qiang)政治(zhi)(zhi)(zhi)(zhi)建(jian)(jian)(jian)(jian)設的(de)(de)(de)(de)指導意(yi)(yi)(yi)見、重大(da)事(shi)項請示(shi)(shi)(shi)報告制(zhi)度(du)、“大(da)監(jian)(jian)督(du)”機制(zhi)、巡視工(gong)作(zuo)辦法等(deng)。改進(jin)干(gan)部選拔任(ren)(ren)用考核評(ping)價方法，提升領導干(gan)部政治(zhi)(zhi)(zhi)(zhi)能力和(he)(he)(he)領導水平(ping)(ping)(ping)。六是(shi)作(zuo)風(feng)(feng)建(jian)(jian)(jian)(jian)設見到(dao)(dao)新的(de)(de)(de)(de)效(xiao)果。馳而不(bu)(bu)息推進(jin)形(xing)式主(zhu)義(yi)(yi)、官僚主(zhu)義(yi)(yi)專(zhuan)項整治(zhi)(zhi)(zhi)(zhi)，扎實(shi)(shi)(shi)開(kai)展(zhan)警示(shi)(shi)(shi)教(jiao)育(yu)。嚴(yan)格貫徹(che)中央八項規(gui)(gui)定精(jing)(jing)神(shen)(shen)，認(ren)真執行(xing)(xing)人(ren)民(min)銀行(xing)(xing)正風(feng)(feng)肅紀十條禁令。七(qi)是(shi)監(jian)(jian)督(du)執紀問(wen)責(ze)和(he)(he)(he)反(fan)腐(fu)敗斗爭(zheng)(zheng)進(jin)一(yi)(yi)步(bu)加強(qiang)(qiang)(qiang)。各(ge)級黨(dang)(dang)(dang)(dang)委旗幟鮮明地(di)支(zhi)持(chi)(chi)派(pai)駐紀檢監(jian)(jian)察組(zu)和(he)(he)(he)各(ge)級紀委依規(gui)(gui)依法履職，協(xie)同高效(xiao)落(luo)實(shi)(shi)(shi)全(quan)(quan)面從嚴(yan)治(zhi)(zhi)(zhi)(zhi)黨(dang)(dang)(dang)(dang)“兩個(ge)(ge)責(ze)任(ren)(ren)”。堅決(jue)整治(zhi)(zhi)(zhi)(zhi)金(jin)(jin)融(rong)領域腐(fu)敗行(xing)(xing)為(wei)，努力做到(dao)(dao)走在前、做表率。
關于2020年工作(zuo)，會(hui)議要(yao)求，人民(min)銀行(xing)系(xi)統要(yao)以習近平新(xin)時(shi)代中國特(te)色社會(hui)主義思想為指導，全(quan)(quan)面貫徹(che)黨的(de)十九屆(jie)四中全(quan)(quan)會(hui)和中央經濟工作(zuo)會(hui)議精神(shen)，緊扣全(quan)(quan)面建成小(xiao)康社會(hui)目標任務和“十三(san)五”規(gui)劃收官，堅(jian)持穩中求進工作(zuo)總(zong)基(ji)調(diao)，堅(jian)持新(xin)發(fa)展理念，堅(jian)持以供給側結(jie)(jie)構(gou)(gou)性改革為主線，實施穩健貨(huo)幣政策，堅(jian)決打贏(ying)防(fang)(fang)范化解重大金(jin)(jin)融風險攻堅(jian)戰，深化金(jin)(jin)融改革開(kai)放(fang)，全(quan)(quan)面做好“六(liu)穩”工作(zuo)，統籌推進穩增長(chang)、促改革、調(diao)結(jie)(jie)構(gou)(gou)、惠民(min)生、防(fang)(fang)風險、保穩定，為經濟高質量發(fa)展創造良好的(de)貨(huo)幣金(jin)(jin)融環境(jing)。
一是(shi)保(bao)(bao)持穩健的貨(huo)(huo)幣(bi)(bi)政策靈活(huo)適度。加(jia)強逆周期(qi)調節，保(bao)(bao)持流動性合理充裕，促(cu)進貨(huo)(huo)幣(bi)(bi)信貸(dai)、社會融資(zi)規模增(zeng)長(chang)同經濟發展相適應。繼(ji)續(xu)深化利率(lv)市(shi)場化改革，完善貸(dai)款市(shi)場報(bao)價利率(lv)傳導機制。繼(ji)續(xu)推動銀行通過發行永續(xu)債等(deng)途徑多(duo)渠道(dao)補充資(zi)本(ben)。堅(jian)持發揮市(shi)場在匯率(lv)形(xing)成(cheng)中的決定性作(zuo)用，保(bao)(bao)持人民幣(bi)(bi)匯率(lv)在合理均衡(heng)水平上基本(ben)穩定。
二是堅決(jue)打贏防范(fan)化(hua)解重(zhong)大金(jin)融(rong)(rong)風(feng)險(xian)(xian)(xian)(xian)攻堅戰。厘清各(ge)方職(zhi)責(ze)(ze)邊界，壓實各(ge)方責(ze)(ze)任，壓實金(jin)融(rong)(rong)機(ji)構的主體責(ze)(ze)任、地方政府屬地風(feng)險(xian)(xian)(xian)(xian)處置(zhi)(zhi)責(ze)(ze)任和(he)維(wei)穩第一(yi)(yi)責(ze)(ze)任、金(jin)融(rong)(rong)監管(guan)部門監管(guan)責(ze)(ze)任和(he)人民銀(yin)行最后貸款(kuan)人責(ze)(ze)任，堅決(jue)防范(fan)道德風(feng)險(xian)(xian)(xian)(xian)。建(jian)(jian)(jian)立健全金(jin)融(rong)(rong)機(ji)構恢復處置(zhi)(zhi)機(ji)制、損失分擔(dan)機(ji)制和(he)激勵約束機(ji)制。突出(chu)重(zhong)點(dian)(dian)，繼續(xu)依(yi)法依(yi)規做好重(zhong)點(dian)(dian)金(jin)融(rong)(rong)機(ji)構風(feng)險(xian)(xian)(xian)(xian)處置(zhi)(zhi)工作。持續(xu)開展互(hu)聯(lian)網金(jin)融(rong)(rong)風(feng)險(xian)(xian)(xian)(xian)專(zhuan)項整(zheng)治，基本化(hua)解互(hu)聯(lian)網金(jin)融(rong)(rong)存量風(feng)險(xian)(xian)(xian)(xian)，建(jian)(jian)(jian)立健全監管(guan)長(chang)(chang)效(xiao)機(ji)制。加快建(jian)(jian)(jian)立房地產(chan)金(jin)融(rong)(rong)長(chang)(chang)效(xiao)管(guan)理機(ji)制。進一(yi)(yi)步發揮存款(kuan)保險(xian)(xian)(xian)(xian)機(ji)構在風(feng)險(xian)(xian)(xian)(xian)處置(zhi)(zhi)中的作用。加快建(jian)(jian)(jian)立金(jin)融(rong)(rong)委辦(ban)公室地方協調機(ji)制。
三是以緩(huan)解小(xiao)微(wei)企(qi)業(ye)融資難融資貴問題為重點，加大金(jin)融支(zhi)(zhi)(zhi)持(chi)供給(gei)側(ce)結構性改革力(li)度(du)(du)。健全小(xiao)微(wei)企(qi)業(ye)貸款考核激勵(li)機制(zhi)，落實授(shou)信(xin)盡職免責制(zhi)度(du)(du)，營(ying)造敢貸愿(yuan)貸能(neng)貸的政策(ce)環(huan)境。推動(dong)(dong)發(fa)揮多部(bu)門(men)合(he)力(li)，用好(hao)定(ding)向降準(zhun)、再貸款再貼現、宏觀(guan)審慎評估和(he)征(zheng)信(xin)管理等政策(ce)工具，切實推動(dong)(dong)改進小(xiao)微(wei)企(qi)業(ye)融資。加大對(dui)重點領域和(he)薄弱環(huan)節的信(xin)貸支(zhi)(zhi)(zhi)持(chi)。聚焦深度(du)(du)貧(pin)困地區，健全金(jin)融支(zhi)(zhi)(zhi)持(chi)產業(ye)帶動(dong)(dong)脫貧(pin)機制(zhi)，助力(li)打贏精準(zhun)脫貧(pin)攻堅戰(zhan)。
四是加快完(wan)善宏觀(guan)(guan)審慎(shen)(shen)(shen)管(guan)理(li)框架。編制(zhi)宏觀(guan)(guan)審慎(shen)(shen)(shen)政策指引(yin)。構(gou)建宏觀(guan)(guan)審慎(shen)(shen)(shen)壓(ya)力測試體系。加快建立完(wan)善本(ben)外幣一體化(hua)的跨境資(zi)金流(liu)動宏觀(guan)(guan)審慎(shen)(shen)(shen)管(guan)理(li)機制(zhi)。逐步擴(kuo)大宏觀(guan)(guan)審慎(shen)(shen)(shen)政策覆蓋領域。組織實施系統(tong)重要性銀(yin)行(xing)評估，推動出臺實施金融(rong)控股公司監(jian)督管(guan)理(li)辦法。
五是繼續深(shen)(shen)(shen)化(hua)金(jin)融改(gai)(gai)革(ge)開放。深(shen)(shen)(shen)化(hua)金(jin)融市(shi)場和金(jin)融機構(gou)改(gai)(gai)革(ge)。積(ji)極發展債券市(shi)場，繼續推動債券市(shi)場基(ji)礎(chu)設施(shi)(shi)互(hu)聯互(hu)通。加強金(jin)融基(ji)礎(chu)設施(shi)(shi)統籌監(jian)(jian)管與建設規劃。深(shen)(shen)(shen)化(hua)中小銀行(xing)和農信社改(gai)(gai)革(ge)，進一(yi)步健(jian)全政策性銀行(xing)治理結(jie)構(gou)。積(ji)極穩妥推進人民幣國際化(hua)。深(shen)(shen)(shen)入推進外匯管理體(ti)制改(gai)(gai)革(ge)，支持自(zi)貿(mao)(mao)試驗區、自(zi)貿(mao)(mao)港等在(zai)外匯管理改(gai)(gai)革(ge)方(fang)面先行(xing)先試。完善(shan)跨(kua)境資本(ben)流動“宏觀(guan)審慎+微觀(guan)監(jian)(jian)管”兩位一(yi)體(ti)管理框架。
六是加強金融(rong)科技研發(fa)和應用(yong)。貫徹落(luo)實金融(rong)科技發(fa)展規劃，建立健(jian)全金融(rong)科技監管基本規則體系，做好金融(rong)科技創新(xin)監管試點工作。繼續穩步(bu)(bu)推進法定數字(zi)貨幣研發(fa)。進一步(bu)(bu)擴大全球法人(ren)識別編碼（LEI）在我國(guo)的應用(yong)領域(yu)。
七是全(quan)面提(ti)高金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)服務與金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)管(guan)(guan)(guan)理(li)(li)水平。統(tong)籌(chou)推(tui)進(jin)(jin)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)法(fa)律(lv)法(fa)規和規則體系建(jian)設(she)(she)。強化金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)統(tong)計監測(ce)分析，打造符合大數(shu)據(ju)發展方向(xiang)的金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)統(tong)計平臺和金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)基礎數(shu)據(ju)庫(ku)。深化科創金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、綠色金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、普(pu)惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)、金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)開放創新和區域協調發展等區域金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)改革試點。推(tui)進(jin)(jin)中央銀行財(cai)務治理(li)(li)現代(dai)化。探索建(jian)立支付(fu)行業(ye)統(tong)籌(chou)監管(guan)(guan)(guan)、落實(shi)屬地(di)監管(guan)(guan)(guan)職責機(ji)制，推(tui)動移(yi)動支付(fu)便(bian)民工程繼(ji)續向(xiang)縱深發展，全(quan)力配合打擊(ji)治理(li)(li)電信(xin)網絡新型(xing)違法(fa)犯罪(zui)(zui)和跨境網絡賭(du)博活動。重(zhong)拳打擊(ji)假幣違法(fa)犯罪(zui)(zui)活動。加(jia)快推(tui)進(jin)(jin)國庫(ku)高質量(liang)發展，及時準確(que)辦理(li)(li)各項預算收支業(ye)務。穩步推(tui)進(jin)(jin)征信(xin)二代(dai)系統(tong)上線(xian)升級，加(jia)強個人征信(xin)信(xin)息安全(quan)管(guan)(guan)(guan)理(li)(li)和個人隱私(si)保護。進(jin)(jin)一步加(jia)強反(fan)洗(xi)錢協調機(ji)制建(jian)設(she)(she)，繼(ji)續強化反(fan)洗(xi)錢監管(guan)(guan)(guan)力度(du)。完善(shan)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)消費權益保護協調工作機(ji)制，協調推(tui)進(jin)(jin)普(pu)惠金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)工作。
進一步(bu)提升(sheng)財務管理、內部審(shen)計、安全(quan)保衛、離退休干部工作、后勤保障等內部管理水平。進一步(bu)強化參事履職保障。
會(hui)議強(qiang)調，做(zuo)好(hao)(hao)2020年的(de)(de)(de)(de)各(ge)(ge)項工(gong)(gong)作(zuo)，必須堅持(chi)(chi)(chi)黨(dang)對金融(rong)(rong)工(gong)(gong)作(zuo)的(de)(de)(de)(de)集中(zhong)統(tong)一(yi)(yi)領(ling)導，牢固樹立(li)“四(si)個意(yi)識”，不(bu)斷(duan)增強(qiang)“四(si)個自信”，堅決(jue)做(zuo)到“兩個維(wei)護”，始終(zhong)與(yu)以習近平(ping)同志為核心的(de)(de)(de)(de)黨(dang)中(zhong)央(yang)(yang)保持(chi)(chi)(chi)高(gao)度(du)(du)一(yi)(yi)致，為全面(mian)履行(xing)(xing)(xing)各(ge)(ge)項職(zhi)責(ze)提供堅強(qiang)的(de)(de)(de)(de)政(zheng)(zheng)(zheng)治(zhi)保障(zhang)。一(yi)(yi)是(shi)要(yao)(yao)始終(zhong)堅持(chi)(chi)(chi)把(ba)政(zheng)(zheng)(zheng)治(zhi)建設(she)擺在(zai)更(geng)加突(tu)出(chu)位置，把(ba)貫徹落實(shi)習近平(ping)總書(shu)記(ji)重(zhong)(zhong)(zhong)要(yao)(yao)指示(shi)批示(shi)精(jing)神和黨(dang)中(zhong)央(yang)(yang)決(jue)策部(bu)(bu)(bu)署(shu)作(zuo)為重(zhong)(zhong)(zhong)大(da)政(zheng)(zheng)(zheng)治(zhi)任(ren)務，探索(suo)建設(she)現代中(zhong)央(yang)(yang)銀(yin)行(xing)(xing)(xing)制度(du)(du)，進一(yi)(yi)步(bu)深(shen)化(hua)金融(rong)(rong)供給側(ce)結構性改革，堅決(jue)打(da)好(hao)(hao)打(da)贏防范化(hua)解重(zhong)(zhong)(zhong)大(da)金融(rong)(rong)風(feng)(feng)險(xian)攻堅戰(zhan)，努力跑在(zai)系統(tong)性金融(rong)(rong)風(feng)(feng)險(xian)的(de)(de)(de)(de)前(qian)面(mian)。堅持(chi)(chi)(chi)依法行(xing)(xing)(xing)政(zheng)(zheng)(zheng)，建設(she)法治(zhi)央(yang)(yang)行(xing)(xing)(xing)。爭(zheng)取走在(zai)“讓(rang)中(zhong)央(yang)(yang)放心、讓(rang)人(ren)民群(qun)眾(zhong)滿意(yi)的(de)(de)(de)(de)模范機(ji)關”試點創建前(qian)列。二是(shi)要(yao)(yao)鞏固拓展(zhan)主(zhu)(zhu)題教(jiao)(jiao)育(yu)成果，圍繞(rao)主(zhu)(zhu)題教(jiao)(jiao)育(yu)檢(jian)視發現的(de)(de)(de)(de)問(wen)題，建立(li)整改臺賬，一(yi)(yi)抓(zhua)(zhua)到底。三是(shi)要(yao)(yao)不(bu)斷(duan)強(qiang)化(hua)人(ren)民銀(yin)行(xing)(xing)(xing)“首先是(shi)政(zheng)(zheng)(zheng)治(zhi)機(ji)關”的(de)(de)(de)(de)認識，加強(qiang)領(ling)導班(ban)子(zi)政(zheng)(zheng)(zheng)治(zhi)建設(she)，選優(you)配強(qiang)各(ge)(ge)級領(ling)導班(ban)子(zi)，發現培養選拔優(you)秀年輕干部(bu)(bu)(bu)，做(zuo)好(hao)(hao)共青團和青年工(gong)(gong)作(zuo)，增強(qiang)干部(bu)(bu)(bu)隊伍適應現代中(zhong)央(yang)(yang)銀(yin)行(xing)(xing)(xing)發展(zhan)需要(yao)(yao)的(de)(de)(de)(de)能力。四(si)是(shi)要(yao)(yao)進一(yi)(yi)步(bu)改進思想方(fang)法和工(gong)(gong)作(zuo)作(zuo)風(feng)(feng)，堅持(chi)(chi)(chi)實(shi)事(shi)求是(shi)的(de)(de)(de)(de)思想路(lu)線，以黨(dang)的(de)(de)(de)(de)創新(xin)理論武裝頭腦，抓(zhua)(zhua)好(hao)(hao)意(yi)識形(xing)態工(gong)(gong)作(zuo)。堅決(jue)杜(du)絕形(xing)形(xing)色色的(de)(de)(de)(de)形(xing)式主(zhu)(zhu)義、官僚主(zhu)(zhu)義，切(qie)實(shi)改進工(gong)(gong)作(zuo)方(fang)式方(fang)法，對人(ren)民群(qun)眾(zhong)和企事(shi)業單(dan)位要(yao)(yao)“跨前(qian)一(yi)(yi)步(bu)”主(zhu)(zhu)動服務，與(yu)地方(fang)和部(bu)(bu)(bu)門(men)保持(chi)(chi)(chi)更(geng)密切(qie)的(de)(de)(de)(de)聯(lian)系和溝通。五是(shi)要(yao)(yao)以更(geng)大(da)力度(du)(du)推進全面(mian)從嚴治(zhi)黨(dang)，堅決(jue)落實(shi)好(hao)(hao)“兩個責(ze)任(ren)”。要(yao)(yao)把(ba)管黨(dang)治(zhi)黨(dang)作(zuo)為最根本(ben)的(de)(de)(de)(de)職(zhi)責(ze)嚴起來、立(li)起來，敢(gan)抓(zhua)(zhua)敢(gan)管、嚴抓(zhua)(zhua)嚴管。要(yao)(yao)敢(gan)于亮劍(jian)，不(bu)斷(duan)加大(da)金融(rong)(rong)領(ling)域(yu)反腐敗力度(du)(du)。深(shen)化(hua)標本(ben)兼治(zhi)，用(yong)好(hao)(hao)“四(si)種形(xing)態”，一(yi)(yi)體推進不(bu)敢(gan)腐不(bu)能腐不(bu)想腐。著力加強(qiang)警示(shi)教(jiao)(jiao)育(yu)和思想教(jiao)(jiao)育(yu)，認真汲(ji)取重(zhong)(zhong)(zhong)大(da)腐敗案(an)件(jian)的(de)(de)(de)(de)教(jiao)(jiao)訓。要(yao)(yao)繼續完善(shan)巡(xun)視工(gong)(gong)作(zuo)機(ji)制體制，堅定不(bu)移深(shen)化(hua)政(zheng)(zheng)(zheng)治(zhi)巡(xun)視，深(shen)入推進紀檢(jian)監察、內外部(bu)(bu)(bu)巡(xun)視、審計和專項檢(jian)查形(xing)成長效監督機(ji)制。
會議強調，做(zuo)好2020年金(jin)融工作(zuo)任務艱巨(ju)，責任重大，使命光榮。人民(min)銀行系(xi)統干(gan)部職工要更加緊密(mi)地團結在以(yi)(yi)習近平(ping)同志為(wei)核心的(de)黨中央周(zhou)圍，牢記金(jin)融工作(zuo)的(de)初(chu)心和(he)使命，以(yi)(yi)實際行動踐行“兩(liang)個維(wei)護”，不斷改進作(zuo)風，增強必勝信(xin)心，積極作(zuo)為(wei)，敢于擔當，勇挑(tiao)重任，確保(bao)黨中央、國(guo)務院(yuan)關(guan)于金(jin)融工作(zuo)的(de)各項部署落實到位，為(wei)決勝全面建成小康(kang)社會作(zuo)出更大貢獻！
外匯局(ju)(ju)領導(dao)班子(zi)成(cheng)員、總(zong)會計(ji)師、總(zong)經(jing)濟(ji)師，人(ren)民(min)銀行(xing)上海總(zong)部(bu)(bu)領導(dao)班子(zi)成(cheng)員、副省級(ji)城市中心支行(xing)以(yi)上分支機(ji)構(gou)主要(yao)負(fu)責(ze)同(tong)(tong)志(zhi)，總(zong)行(xing)各司局(ju)(ju)、黨委各部(bu)(bu)門、上海總(zong)部(bu)(bu)各部(bu)(bu)門主要(yao)負(fu)責(ze)同(tong)(tong)志(zhi)，派駐紀檢監察組(zu)(zu)負(fu)責(ze)同(tong)(tong)志(zhi)，人(ren)民(min)銀行(xing)參(can)事(shi)(shi)，巡視組(zu)(zu)組(zu)(zu)長，各企事(shi)(shi)業單(dan)位(wei)、相(xiang)關單(dan)位(wei)、各駐外機(ji)構(gou)主要(yao)負(fu)責(ze)同(tong)(tong)志(zhi)參(can)加會議。中央(yang)組(zu)(zu)織部(bu)(bu)、中央(yang)財經(jing)委員會辦公室、國務院辦公廳(ting)、審計(ji)署有(you)關同(tong)(tong)志(zhi)應邀出席(xi)會議。