Supporting high-quality development, see how Shandong can do a good job in financial "addition, subtraction, multiplication, and division" methods
Finance is the lifeblood of modern economy, and our province attaches great importance to financial work, listing modern finance as a major project for the transformation of old and new driving forcesOne of the "Top Ten" industries has formulated a series of preferential policies and supporting measures. The reporter recently learned from the Provincial Financial Office that since 2017, facing a complex and severe economic and financial environment, our province has adhered to the dual approach of promoting development and preventing risks, and has implemented the financial "addition, subtraction, multiplication, and division" method to promote the high-quality development of Shandong's economy. As of the end of last year, the balance of domestic and foreign currency loans in the province exceeded 7 trillion yuan, and actively disposed of 183.1 billion yuan of non-performing loans.
Continuously providing financial services to the real economyAddition. Since last year, the banking industry in the province has firmly grasped the essence of financial service entities, and the credit scale has achieved steady growth. As of the end of 2017, the balance of domestic and foreign currency loans was 7087.39 billion yuan, an increase of 563.04 billion yuan from the beginning of the year; The financing balance of off balance sheet businesses increased by 121.22 billion yuan compared to the beginning of the year, an increase of 100.81 billion yuan year-on-year.
Around the major project of transforming old and new driving forces, China Construction Bank, Minsheng Bank, etc14 financial institutions have signed cooperation agreements with the provincial government with a total amount of 1.25 trillion yuan, mainly investing in the "Top Ten" industries and "Four New and Four Modernizations" projects in our province; Focusing on the construction of key projects for kinetic energy conversion, loans in areas such as new energy, new materials, agriculture, cultural industries, infrastructure, and poverty alleviation have grown rapidly. In 2017, 320.6 billion yuan of new loans were invested in the field of infrastructure construction, accounting for 44.6% of all new general loans.
Significant progress has been made in the reform of the local banking system. The first private bank in our province——Weihai Blue Ocean Bank opens and operates; Local corporate banks have steadily developed. In 2017, the loan balances of rural commercial banks and urban commercial banks in the province reached 1044.05 billion yuan and 673.37 billion yuan respectively, an increase of 78.49 billion yuan and 66.05 billion yuan from the beginning of the year; There are 126 rural banks, ranking first in the country; New breakthroughs have been achieved in the establishment and development of non bank financial institutions such as financial leasing companies, automobile finance companies, consumer finance companies, and enterprise group finance companies; Shandong International Trust has successfully listed on the main board of the Hong Kong Stock Exchange.
优化结构做好“减法”。围绕钢铁、电解铝等去产能和节能减排计划安排，我省严控对这些行业的信贷投入力度，压降存量贷款规模，全省产能过剩行业贷款余额连续两年下降。
防风险被列为三大攻坚战之首，重点是防控金融风险。2017年以来，全省银行业按照中央的工作部署，以做“乘法”的思维，做好金融风险监测预警和应对处置，较好维护了区域金融稳定。
工作机制全面优化。各级政府组建了风险处置工作专门班子，建立了信息互通、舆情引导、责任落实等运行机制，构建了省市县上下联动、政监金企四方协调配合的工作体系。按照重点风险企业、风险企业、潜在风险企业划分不同风险类型和风险等级，坚持因企而异、分类施策，逐个制订化解方案，建立工作台账，实行“销号”动态管理。
分类处置坚决落实。着力做好担保圈风险处置化解工作，引导风险企业灵活运用担保授信管理、融资方式替代、打包收购等方式，阻断担保圈链，防止风险蔓延扩散。对高风险行建立督办制度，限期消除风险。
区域信用环境积极改善。制定实施打击恶意逃废金融债务等政策文件，在全省范围内对恶意逃避、悬空金融债权的“老赖”，依法进行严厉打击，保障金融债权安全，切实维护了金融市场秩序。围绕贯彻落实《山东省地方金融条例》，健全完善地方金融监管体系，切实优化金融法治环境。
正是出于对金融潜在风险的积极应对，全省赢得了不良贷款“除法”般的快速处置。截至目前，我省各级初步建立起转贷应急机制，两个省级金融资产管理公司规模都达到100亿元，金融资产交易中心不良资产流转平台作用初步显现。不良贷款处置核销力度明显加大，2017年全省银行业共处置不良贷款1831亿元，占全国处置总规模的12%，同比多处置255亿元，占全国处置增量的40%。工农中建交五家银行不良处置金额均居总行系统首位。金融风险的充分暴露和有效处置，为金融机构轻装上阵提供了更为良好的条件，也牢牢把控住了不发生系统性区域性金融风险的稳定大局。
(Source): 大众日报）
