##中国银行保险机构抵御风险“弹药”充足，服务实体经济能力进一步提升
**中新社北京8月21日电 (记者 王恩博)** 中国国家金融监管总局副局长肖远企21日在北京表示，中国银行和保险机构抵御风险的“弹药”非常充足，金融机构服务实体经济的能力进一步提升。
肖远企在当天国新办举行的发布会上透露，截至7月末，中国银行业金融机构资产总额达423.8万亿元人民币，同比增长7%；保险业总资产为33.9万亿元人民币，较年初增长7.7%。7月末，银行业不良贷款率为1.61%，比去年同期低0.08个百分点。今年上半年银行处置不良资产1.4万亿元人民币，处置力度进一步加大。
在风险抵补方面，肖远企表示，7月末，银行贷款拨备覆盖率为216.7%，即贷款损失准备是不良贷款的2倍多。上半年末，银行资本充足率为15.53%，保险公司综合偿付能力和核心偿付能力充足率分别为195.5%和132.4%，银行和保险机构抵御风险的“弹药”非常充足。
肖远企还强调，金融机构对重大战略、重点领域、薄弱环节的金融供给持续增加，更加精准高效。7月末，人民币贷款余额为251万亿元人民币，较年初增加13.5万亿元人民币；银行保险机构债券投资余额为103万亿元人民币，较年初增加4.9万亿元人民币；保险资金运用余额为31万亿元人民币，较年初增长7.4%。
资金供给结构更加优化，尤其先进制造业和科技创新领域得到更大力度支持。截至7月末，制造业贷款同比增长11.4%，高技术产业贷款同比增长13.9%。
此外，今年前7月，保险业赔款和给付支出为1.39万亿元人民币，同比增长30.2%，明显高于同期保费收入增速。在应对近期暴雨洪涝等灾害方面，保险业作用显现。国家金融监管总局财产保险监管司司长尹江鳌在发布会上表示，截至目前，今年南方地区受灾较重的湖南、江西、广东等地区，保险已赔付约28亿元人民币。
肖远企表示，中国金融机构将继续加强风险防控，优化金融服务，为实体经济高质量发展提供更加有力支持。
英语如下：
##China’s Banking and Insurance Institutions Have Ample “Ammunition” to WithstandRisks
**Keywords:** Financial institutions, risk mitigation, ample ammunition
**Content:**
**BEIJING, Aug. 21 (Xinhua)** — China’s banking and insurance institutions have ample “ammunition” to withstand risks, and their ability to serve the real economy has further improved, said Xiao Yuanqi, vice-governor of the China Banking and Insurance Regulatory Commission (CBIRC), on Monday.
Xiao revealed at a press conference held by the State Council Information Office that as of the end of July, the total assets of China’s banking financial institutions reached 42.38 trillion yuan, up7% year-on-year. The total assets of the insurance industry reached 33.9 trillion yuan, up 7.7% from the beginning of the year. The non-performing loan ratio of the banking industry stoodat 1.61% at the end of July, down 0.08 percentage points from the same period last year. Banks disposed of 1.4 trillion yuan of non-performing assets in the first half of this year, with disposal efforts further intensified.
In terms of risk mitigation, Xiaosaid that the loan loss provision coverage ratio of banks reached 216.7% at the end of July, meaning that the loan loss reserves were more than twice the amount of non-performing loans. At the end of the first half of the year, the capital adequacy ratio of banks was 15.53%, and the comprehensive solvency adequacy ratio and core solvency adequacy ratio of insurance companies were 195.5% and 132.4%, respectively, indicating that banks and insurance institutions have ample “ammunition” to withstand risks.
Xiao also stressed that financial institutions have continued to increasefinancial supply for major strategies, key areas, and weak links, making it more accurate and efficient. As of the end of July, the outstanding balance of RMB loans reached 25.1 trillion yuan, an increase of 13.5 trillion yuan from the beginning of the year. The outstanding balance of bondinvestments by banking and insurance institutions reached 10.3 trillion yuan, an increase of 4.9 trillion yuan from the beginning of the year. The outstanding balance of insurance fund use reached 31 trillion yuan, an increase of 7.4% from the beginning of the year.
The structure offund supply has been further optimized, with greater support for advanced manufacturing and technological innovation in particular. As of the end of July, manufacturing loans increased by 11.4% year-on-year, and high-tech industry loans increased by 13.9% year-on-year.
Inaddition, in the first seven months of this year, the insurance industry paid out 1.39 trillion yuan in claims and benefits, up 30.2% year-on-year, significantly higher than the growth rate of premium income in the same period. The insurance industry has played a significant role inresponding to recent floods and other disasters. Yin Jiang’ao, director of the Property Insurance Supervision Department of the CBIRC, said at the press conference that so far this year, insurance companies have paid out about 2.8 billion yuan in claims in Hunan, Jiangxi, Guangdong and other areas in southern China thathave been severely affected by disasters.
Xiao said that China’s financial institutions will continue to strengthen risk control, optimize financial services, and provide stronger support for the high-quality development of the real economy.
【来源】http://www.chinanews.com/cj/2024/08-21/10272597.shtml
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