Zhongxin Jingwei, May 13th. The website of the China Banking and Insurance Regulatory Commission issued the "Guiding Opinions on Urban Construction and Governance" (hereinafter referred to as the "Guidance Opinions") mentioned that it was mentioned that the new model of real estate development was insisted on renting and buying. Together, accelerate the development of the long -term rental market, promote the construction of affordable housing, and support the commercial housing market to better meet the reasonable housing needs of home buyers.

"Guidance" pointed out that the people are centered on improving the sense of gain, happiness, and security of the masses.

The first is to focus on the people's material and cultural needs and improve the quality of urban life. Encourage bank insurance institutions to increase effective financial supply to the fields of pension, education, housekeeping, dining, accommodation, retail, cultural, tourism, sports and other fields, support public cultural facilities construction, cultural products production, historical and cultural districts, and historical building protection and utilization, etc. , Promote the inheritance and development of the excellent traditional culture of China, and better meet the growing material and cultural needs of urban residents. Standardize the development of consumer finance, comply with the trend of consumption upgrades and online and offline consumption integration, and meet the reasonable financing needs of urban residents in accordance with laws. Encourage bank insurance institutions to provide financial services for agricultural product storage, cold chain logistics and quality guarantee improvement, help improve the agricultural product and food safety guarantee system, and support the development of food processing and catering service enterprises such as green food companies, Chinese time -honored brands, high -quality innovative brands, etc. To meet the health needs of urban residents. Explore a new model of real estate development, adhere to the acquisition and acquisition, accelerate the development of the long -term rental market, promote the construction of affordable housing, and support the commercial housing market to better meet the reasonable housing needs of buyers.

The second is to support public medical and health services to help urban residents healthy life. Encourage bank insurance institutions to help improve the public health service system in accordance with laws and regulations, and improve the emergency prevention and control capacity of emergencies. Encourage insurance institutions to strengthen cooperation with governments at all levels under the premise of controlling risks to develop custom -oriented commercial medical insurance business that is in line with the actual cities; explore the elderly, disabled people, rare diseases and patients with chronic diseases. Insurance services from people in the past, actively participate in long -term nursing insurance pilots, and meet the needs of different groups of people's health guarantee; explore the insurance industry in accordance with laws and regulations, and medical institutions, social insurance departments, and other enhanced data sharing to provide precision for insurance product design and claims. data support. Encourage bank insurance institutions to strengthen the financing support and insurance protection of professional disabled care for the elderly care service agency in accordance with laws and regulations. The development of the elderly service system such as projects is helpful. Continue to standardize the development of the third pillar pension insurance, encourage the development of financial products with strong pension functions, and meet differentiated pension needs.

The third is to strengthen the protection of the legitimate rights and interests of financial consumers and promote the harmonious development of the city. Supervise bank insurance institutions to strictly implement the main responsibilities of the protection of urban financial consumers' rights and interests, guide bank insurance institutions to strengthen the construction of consumer rights protection systems, fully disclose financial products and service information, continue to optimize consumer complaints, and actively participate in diversified resolution of financial disputes to resolve diversified resolving financial disputes. Work. Increase the publicity and publicity of banks and insurance products, improve the financial literacy and risk awareness of consumers, especially students and elderly groups, guide them rationally, and consciously prevent, stay and resist illegal financial activities such as illegal fundraising and financial fraud. Effectively solve the difficulty of using intelligent technology in the financial field. Continue to strengthen the supervision of behavior and protect the legitimate rights and interests of financial consumers.

The fourth is to give full play to the role of insurance security and promote urban safety development. Support the development of insurance business that is closely related to public interests such as safety production, food safety, campus safety, medical disputes, and building quality, and promote the construction of urban safety protection networks. Encourage the development of production safety liability insurance. The urban disaster insurance should be carried out according to local conditions, and insurance institutions support insurance institutions to give full play to the insurance guarantee role in the fields of major natural disasters, emergencies, and public health events. Encourage insurance institutions to actively provide insurance protection for urban transportation combined with mobile vehicle insurance, carrier liability insurance, traffic accident damage insurance and other products.

The "Guidance Opinions" requires to improve the level of urban construction and governance around green and wisdom.

The first is to support infrastructure construction and promote urban function improvement. Guide bank insurance institutions to support urban renewal projects in accordance with laws and regulations, encourage pilots to advance, conform to the laws of urban development, respect the wishes of the people, take the connotation of intensive, green and low -carbon development as a path, and adhere to the "retaining and disassembly" to retain the use of promotion into promotion to into Lord, strengthen the renovation and renovation, make up for the shortcomings of the city, and pay attention to the improvement of function. Encourage bank insurance institutions to provide financial support for the people's livelihood engineering such as the renovation of the old community in the town, as well as the modern logistics system, the modern logistics system, the urban life circle, the transformation and improvement of the pedestrian street, and the city parking facilities to ensure the optimization of production, life, and ecological space.

The second is to orderly promoting carbon peaks and carbon neutrality, and promote urban green and low -carbon circulation development. Encourage bank insurance institutions to increase energy -saving, clean energy, green transportation, green shopping malls, green buildings, ultra -low energy consumption buildings, near -zero -carbon buildings, prefabricated buildings, and existing architecture green transformations, and the existing building green transformation of energy saving, green shopping malls, green buildings Green construction demonstration projects and the construction of waste supplies circular use system construction, and strongly support the construction of climate tough urban construction and climate investment and financing pilot. Under the premise of compliance and risk controlling of banking institutions, it is encouraged to actively develop energy efficiency credit, retail green credit asset securitization, invest in green bonds, and properly carry out environmental rights to rep for pledge financing. Encourage bank insurance institutions to actively participate in the construction of the carbon market, strengthen forward -looking research and research on carbon financial business models, and prevent carbon reduction in "one -size -fits -all" and "sports". The third is to support ecological restoration and improve the urban living environment. Encourage bank insurance institutions to combine ecological environmental protection and governance, develop and innovate, and increase the treatment of urban sewage and waste, solid waste treatment, construction waste treatment and resource utilization, air pollution prevention, noise pollution control, soil pollution risk control and repair, and repair, and repair, and repair, and repair and repair of soil pollution. Circular economy, cleaning heating, new energy vehicles and mechanical promotion, railway special line construction, shore power construction, industrial enterprise relocation and upgrade and other environmental protection areas. Encourage insurance institutions to actively carry out green insurance and explore insurance products and services for gradual pollution and ecological environmental damage.

The fourth is to accelerate digital transformation and improve the level of urban intelligence. Encourage bank insurance institutions to reasonably apply emerging technologies such as artificial intelligence, big data, cloud computing, blockchain, etc., improve the level of urban financial services and risk control, and give full play to the advantages of funds, technology, channels, personnel, etc. Diversified urban service functions of online channels. Encourage bank insurance institutions to actively participate in the construction of new urban infrastructure within the scope of business, strengthen the use of basic information resources of land and space in accordance with laws and regulations, use the basic information resources of the country and space, and information use in other fields. In the construction of urban governance network systems such as smart education, smart pension, increase cooperation with the government in terms of data information, and help government decisions and refined management. Encourage insurance institutions to reasonably use digital means to improve the management capabilities of underwriting claims, simplify claims procedures, improve the timeliness of claims, and strengthen research on insurance demand for emerging fields such as smart claims and improved smart claims services. Strengthen coordination with departments such as public security and transportation management, further promote the handling of traffic accidents and insurance compensation for motor vehicle traffic accidents, and enhance the satisfaction of urban residents.

"Guidance" mentioned that serving the real economy and strengthening urban development functions.

The first is to support small and micro enterprises and stimulate urban development vitality. Guide commercial banks to further improve the professionalized mechanism of urban small and micro enterprises in financial services for small and micro enterprises in urban small and micro enterprises through single -column credit plans, internal transfer pricing discounts, improving the weight of inclusive financial performance assessment, implementation of adverse tolerance and due diligence. Guide the financing credit service platforms at all levels to actively play a role, increase the sharing of credit information of small and micro enterprises in urban small and micro enterprises, and achieve precise docking of urban small and micro enterprises and bank insurance institutions. Promote the empowerment of science and technology and improve the financial service capabilities of urban small and micro enterprises.

The second is to support characteristic industries and enhance cities' comparative advantages. Encourage bank insurance institutions to strengthen the leading industries and characteristic industries that are in line with urban development, vigorously support the development of green industries in key ecological function areas and main agricultural products, encourage the development of strategic emerging industries, support forward -looking layout of future industries, help different cities industries dislocation position Competition and coordinated development. Encourage bank insurance institutions to strengthen the actual situation of various places to strengthen the national economic and technological development zone, the national high -tech industrial development zone, the border (cross -border) economic cooperation zone, the national independent innovation demonstration zone, the national sustainable development agenda innovation demonstration zone, and the new industrialization of industrialization Financial support from industrial demonstration bases, green industry demonstration bases, advanced manufacturing clusters, etc., helps advance in the development of advanced manufacturing, strategic emerging industries, and local characteristic industrial clusters. Encourage banking institutions to optimize the manufacturing loan structure, and focus on supporting advanced manufacturing and high -end equipment manufacturing. Standardize the development of supply chain finance and support the security and smoothness of the industrial chain and supply chain.

The third is to support the integration of urban and rural areas to improve the quality and efficiency of new citizens. Encourage bank insurance institutions to strengthen support for more regions and industries in absorbing new citizens, expand the supply of financial products and services, promote the entrepreneurship and employment of new citizens, and help new citizens training and children's education. Encourage insurance institutions to accelerate the development of supplementary medical, pension insurance products and various accidental damage insurance products that are suitable for new industries, new business practitioners, and supplementary medical products such as housekeeping, takeaway, and transportation. Promote the citizenship of agricultural transfer. Encourage bank insurance institutions to support county construction supplementation shortcomings and weaknesses under the premise of controllable risks and sustainable business, and promote urban and rural public service facilities, environmental infrastructure, municipal public facilities, convenience of people's living circles, industrial supporting facilities, county commercial business The construction of outlet facilities, focusing on the national urban and rural integration development pilot zone, support urban infrastructure to extend towards the countryside, promote the development of gas heat, sewage waste, passenger services, logistics distribution in urban and rural water circuits, and the development of urban and rural education, medical care, pension, etc. Public service inclusive sharing.

The fourth is to support scientific and technological innovation and enhance urban development momentum. Encourage bank insurance institutions to cooperate with government departments, venture capital institutions, scientific research institutions, etc. to vigorously develop scientific and technological finance to provide financial support for achieving major technological breakthroughs and results transformation. Encourage banking institutions to strengthen cooperation with external investment institutions under the premise of compliance and risk control of risks to actively explore the diversified technology and financial service model. Support qualified insurance institutions to participate in the first batch of application insurance compensation mechanisms for the first (set) of major technical equipment insurance and new materials, explore the development of the first version of software insurance, and actively develop intellectual property related insurance products. Support insurance funds and eligible insurance asset management products to invest in entrepreneurial investment funds and equity investment funds for technology companies in accordance with laws and regulations. "Guidance" also mentioned that strengthening collaborative cooperation and effectively promoting work development.

The first is to strengthen supervision and guidance. Coordinate safety and development, combine the characteristics of urban characteristics, due to urban policies, focusing on key areas and weak links, and promoting various tasks on a targeted and emphasis on them. Guide bank insurance institutions based on comparative advantages and business strategies, find their own positioning, increase product and service innovation, form a financial service system with dislocation competition and complementary advantages, and provide effective support for the high -quality development of cities.

The second is to strictly adhere to the risk bottom line. Urges bank insurance institutions to continue to strengthen risk management, adhere to prudent compliance operations, and support projects that are compatible with local economic development and scientific planning and demonstration in accordance with the principles of controlling risks and sustainable business. Resolutely curb the hidden debt of new local governments, and it is strictly forbidden to cooperate with local governments to cooperate with local governments to put new projects and spread new stalls through new hidden debts. Adhere to the positioning of "housing and not stir -fry", stable price, stable house prices, and stable expectations, because the city's policy promotes the virtuous circulation and healthy development of the real estate industry. Guide bank insurance institutions to track relevant measures to support urban construction and governance in a timely manner, pay close attention to relevant business development and risks, and adjust work measures in a timely manner. For non -prudential and illegal acts in the operation of bank insurance institutions, effective regulatory measures are taken in a timely manner.

The third is to increase cooperation and exchanges. In accordance with the overall ideas of "government guidance, planning first, sharing sharing, and serving the people", cooperate with governments at all levels and relevant departments to adopt various forms to promote multi -party information sharing, and unblock the docking of both sides of the supply and demand. Support local governments to strengthen the construction of the social credit system and the sharing of credit information, punish the dishonesty in accordance with laws and regulations, and create a good environment for the high -quality development of cities in the banking insurance industry. Lien the banking insurance industry self -regulatory organization to interpret relevant measures in a timely manner, actively promote industry exchanges, and strengthen typical experience. (Zhongxin Jingwei APP)