NPC Deputy Qiu Guang And: Deepen The Construction Of Comprehensive Financial Reform Pilot Area, And Achieve A Comprehensive Financial Reform To A New Level.

For many years, entrepreneurs in Wenzhou have been pushing forward the pformation of intelligence, informatization, securitization and fashion in an effort to achieve pformation, upgrading and quality development.

As an example of Wenzhou's economy, Semir has been ranked as the top 10 sales and profit in China's apparel industry for 12 consecutive years, ranking the top 10 in China's apparel industry.

Public opinion is in the heart, branches and leaves are closed to the "two sessions".

Qiu Guang, chairman of the National People's Congress and chairman of Wenzhou Semir Clothing Co., Ltd., and participated in the Symposium on the "two sessions of the textile industry in 2019", said that in recent two years, the textile industry is facing a severe development situation under the pressure of economic downfall. At the same time, it is also facing various challenges such as raw material costs, labor costs and rising channel costs, especially many small and medium-sized enterprises are facing financing difficulties and other problems, which have hindered the development of the industry.

Qiu Guang and NPC deputy to the NPC and CPPCC National Committee: deepen the construction of the comprehensive financial reform pilot area, and achieve a comprehensive financial reform to a new level.

He mentioned that financing difficulties were raised many times at various meetings, and the central government also had some policy support, but not enough. Many small and micro enterprises still could not enjoy it. It was suggested that the state should further clarify the implementation path of some preferential policies.

For this reason, Qiu Guang and the proposal put forward by the National People's Congress in 2019 put forward proposals for deepening the comprehensive financial reform in Wenzhou.

I. major achievements of Wenzhou's comprehensive financial reform

After nearly 6 years of practice and exploration, Wenzhou gold reform has carried out many innovative initiatives at the bottom. It has launched more than 20 "national lead" exploration projects, such as "farmers' assets entrusted to escrow financing mode" and "joint credit management mechanism". Many of the reform results have produced "spillover effect", which has achieved good results in financial services, private financial management, private enterprises' financial risk management, private financing norms and local financial supervision, and has formed a "four double" trend: first, deposits and loans "double increase".

By the end of 10 this year, the balance of deposits and loans in the banking industry reached 11830 billion yuan and 992 billion 200 million yuan respectively, and the average annual growth rate in the 2012-2017 years reached 7.69% and 4.30% respectively.

Two, risk enterprises and guarantee enterprises "double reduction".

In the 1-10 month of this year, 170 new venture companies were involved, involving an amount of 17 billion 200 million yuan, a decrease of 215 yuan over the same period in 2014 and a decrease of 26 billion 800 million yuan. As of the end of this year, the number of enterprises in the city has also decreased from 0.9 at the end of 2013 to 0.56.

Three is agriculture related and small credit acquisition rate "double litre".

By the end of 10 this year, the balance of agriculture related loans was 436 billion 200 million yuan, an increase of 14.52% over the previous year, accounting for 43.96% of the total loan balance. The balance of loans for small and micro enterprises was 386 billion 700 million yuan, an increase of 13.04% over the same period last year, accounting for 38.97% of the total loan balance.

The four is bad loans and concerned loans.

By the end of 10 this year, the balance of non-performing loans in the city was 14 billion 269 million yuan, and the non-performing loan ratio was 1.44%, which was 20 billion 122 million yuan and 3.25 percentage points lower than the highest in April 2014. The proportion of concerned loans was 2.72%, which was 3.89 percentage points lower than the highest value.

Two, the necessity of deepening the construction of Wenzhou comprehensive financial reform pilot area.

(1) deepening the construction of Wenzhou's comprehensive financial reform pilot area is in line with the requirements of the Central Committee for deepening the reform and opening up.

This year is the 40th anniversary of China's reform and opening up. From top to bottom, the state attaches great importance to deepening reform and opening wider to the outside world.

In the 40 years of reform and opening up, Wenzhou is an important specimen of the times. The exploration and practice of Wenzhou reveals the law of institutional change in the pition from planned economy to market economy, which is of special significance to the ideological enlightenment of China's reform.

Against this background, Wenzhou continues to hold high the banner of reform and deepen the construction of the comprehensive financial reform pilot area. It is the best way to comply with the central comprehensive deepening reform strategic deployment, to achieve a comprehensive financial reform, and to optimize the private sector of financial services.

(two) deepening the construction of Wenzhou comprehensive financial reform pilot area is in line with the spiritual instructions of the central government in supporting the private economy.

The private economy is an important part of the socialist market economy and an indispensable force in China's national economy. General Secretary Xi Jinping recently reiterated the "two unwavering" in the three provinces in Northeast China. When Premier Li Keqiang inspected and investigated in Zhejiang Province, he also stressed that "all alike should be treated equally and all kinds of ownership enterprises should be supported."

As the Pioneer Area of private economy, Wenzhou has seriously studied and grasped the important exposition of General Secretary Xi about "two health" this year, and plans to start the construction of the "two healthy" leading areas in the new era. One of the important tasks is to promote the healthy development of the private economy.

As the first comprehensive financial reform pilot area in the country, many innovative achievements are based on solving the problems encountered in the development of the private economy as the starting point and foothold. Therefore, we have the responsibility and conditions to continue to deepen the exploration and trial in the comprehensive financial reform, strive to take new and bigger breakthroughs, and form more replicable and promotional experiences, so that Wenzhou can become a "model student" supporting the private economy. "Wenzhou is a model student."

(three) deepening the construction of Wenzhou's comprehensive financial reform pilot area is in line with the objective needs of Wenzhou's economic and social development.

At present, Wenzhou's economy and society are in a period of pformation and upgrading. The construction of the "two healthy" leading areas is in full swing, the construction of the national independent innovation demonstration zone is in full swing, and the "digital economy doubling plan for five years" is in the ascendant. It is necessary for finance to play a role of "lubricants" and "boosters" to promote the steady progress of various undertakings.

Therefore, we should continue to deepen the construction of Wenzhou comprehensive financial reform pilot area, further release and extend the dividend reform in the early stage, and continue to break through innovation in the financial services entity economy, which is the best response to the many needs of Wenzhou's economic and social development.

Three, suggestions on deepening the comprehensive financial reform in Wenzhou

It is suggested that the State Council coordinate the relevant ministries and commissions of the state to support the deepening of the comprehensive financial reform in Wenzhou, take the lead of the people's Bank of China, and promote the formulation of a plan for deepening the comprehensive financial reform of Wenzhou to serve the private economy. The key points should be explored and breakthroughs in the following four aspects:

(1) further promoting the regulation and guidance of private capital.

We should innovate the development path of private financial organizations such as small loan companies, private capital management companies, and rural mutual funds, and guide the standardization of private capital.

We should encourage private capital to enter the financial field in the form of pferable equity, merger and reorganization.

We should improve and deepen the implementation of the regulations on the management of private financing in Wenzhou, and deepen the mechanism of private lending registration and filing.

We should explore the functions of private lending service centers to increase credit services, improve wealth management and financial information service intermediaries.

Expand the application of the "Wenzhou index" and explore the establishment of a dynamic monitoring system for private financing.

To strengthen and strengthen the Wenzhou civil and commercial bank, continue to promote business, service, process and management innovation, strive to carry out loan and linkage business pilot, create small and micro banks and industry chain bank benchmark, provide a "Wenzhou sample" for the pilot of the national private banks.

(two) further innovating financial services for private economy.

We should improve the pricing mechanism of deposit and loan interest rates, and integrate the two pricing systems of deposit and loan interest rates and financial market interest rates, eliminate the dual track system of capital prices, and finally achieve the full market pricing of deposit and loan interest rates, so as to provide experience for the promotion of the whole country.

Build a credit evaluation system for small and micro enterprises, and promote credit products such as "credit and loan".

We should make full use of the rich capital advantages of overseas Wenzhou people to attract overseas funds to support the development of Wenzhou's local private economy.

We should deepen the construction of the "Trinity" farmer cooperation system, deepen the mode of farmers' assets entrusted to escrow financing, promote the reform of the right, empowerment and living rights, improve the supporting system of asset valuation, government credit enhancement, credit rating, risk supplement and slow release mechanism, and improve the ability and level of financial services for "three rural issues".

(three) further improve the financial risk management mechanism of private enterprises.

We should deepen the pilot reform of bankruptcy cases and improve the cooperative handling mechanism of bankruptcy courts.

We will continue to strengthen the construction of bankruptcy trustees and improve the system of credit recovery for judicial bankruptcy reorganization enterprises.

We should explore the establishment of a loan guarantee registration system to fully reflect the amount of guarantee and actual solvency of enterprises, enhance the pparency of guarantor's external guarantee, and restrict the excessive guarantee financing of enterprises and banks.

We should guide private enterprises to standardize their governance, standardize their financial affairs and standardize their operation so as to promote private enterprises to become bigger and stronger through capital market.

We should actively guide private enterprises to participate in the support plan for bond financing, and earnestly explore ways for private enterprises to "resolve potential risks".

(four) to further strengthen the coordination of non-governmental financial supervision and regulation.

We should clarify the boundary of local financial supervision, centralization and decentralization of scattered local financial formats, and form a unified local financial work system with centralized management.

We should improve the coordination mechanism of local financial supervision, strengthen the cooperation of the central financial management departments and local financial management departments, and build effective models of local financial supervision suitable for the new era.

We should actively explore the application of block chain, big data and cloud computing technology in preventing and fighting potential financial risks. We should use the financial technology such as block chain to create a platform for monitoring, warning and preventing and controlling private financing risks, so as to promote early identification, early warning, early detection and early disposal of risks, so as to build a local financial risk prevention and control base line.

In addition, Qiu Guang pointed out that the textile industry is still facing difficulties in recruiting workers. He suggested that this has something to do with the importance attached to talents by the state. It is suggested that the country can attach more importance to the assessment of technical personnel in the future.

In terms of military and civilian integration, Qiu Guang and the "proposal to support the establishment of a demonstration area for civil military integration in Wenzhou" were put forward.

He said that in recent years, Wenzhou has conscientiously studied and implemented a series of important discussions by general secretary Xi Jinping on the development of military and civilian integration, and coordinated the promotion of economic construction and national defense construction, and promoted the institutionalization, normalization and scientific development of military civilian integration.

Under the high attention of the municipal Party committee and municipal government, the development of military and civilian integration in Wenzhou has made positive progress in fostering the advantages of the civil military integration industry, the integration of "army to civilian", "people joining the army", military infrastructure construction, national defense mobilization capacity building, and double support creation.

First, relying on the private economy, the industry continues to grow.

The private economy is the main force, development foundation and the greatest feature of Wenzhou.

Relying on the vitality and advantages of the private economy, Wenzhou actively develops military and civilian integration industries with homologous technology, similar technology and common military and civilian uses.

The two is to rely on strategic position and ensure continuous strengthening.

Wenzhou is located in the front line of the coast defense, facing the East China Sea and adjacent to the Taiwan Strait.

Wenzhou has actively promoted various national defense mobilization efforts, and initially established a mobilization system that is compatible with the needs of national defense and coordinated with economic and social development.

Three, relying on military and local cooperation, the project is effective.

We constantly improve the development mechanism of civil military integration, accelerate the development of a number of major projects of civil military integration, accelerate the construction of major infrastructures such as the three Australian nuclear power plant and the Yueqing Bay Railway branch line, and sign the landing site of the annun wheel hub motor powertrain manufacturing base and the Xin Yue Jia Biotechnology Industrial Park.