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Original title: Establishment of a long-term mechanism for the alleviation of financial poverty
□ Our reporter Ouyang Jianhuan, internal reporter Wang Fangyuan
Many industry experts stated at the Banking and Insurance Industry Poverty Relief Aid Forum on October 14 that the banking and insurance industry has achieved remarkable results in poverty alleviation, and financial support. in poor areas it has continued to increase. At the same time, financial institutions attach importance to cultivating the function of “hematopoiesis” and enhance endogenous motivation for poverty alleviation.
Increase financial support in poor areas
According to Li Junfeng, director of the Inclusive Finance Department of the China Banking and Insurance Regulatory Commission, at the end of the second quarter, the national financial balance of loans aimed at alleviating poverty was 4.21 trillion yuan. Among them, poverty alleviation loans for individuals, industries, and specific projects have significantly improved in quality and quantity compared to 2015. At the same time, insurance poverty alleviation work has progressed steadily and deep. From 2016 to 2019, the insurance industry has provided more than 98 million sub-poor households with risk protection of more than 910 billion yuan.
Financial institutions have continually increased their financial support to poor areas. According to Zhan Dongsheng, vice president of the Agricultural Bank of China, in the first three quarters of this year, loans aimed at poverty alleviation, loans to deeply impoverished areas, loans to 52 counties without limit, and loans to designated counties for poverty alleviation exceeded the same period last year. The increase in poverty alleviation work in 832 countries The balance of loans in key counties reached 1.26 trillion yuan. Zhao Yonggang, Vice President of China Pacific Insurance Group, said that at present, various poverty alleviation projects carried out by China Pacific Insurance have covered approximately 6.4136 million registered poor households across the country, providing comprehensive insurance coverage. 2.73 trillion yuan in risk protection for poverty-stricken areas.
Li Junfeng stressed that it is necessary to continue to increase financial support in deeply impoverished areas, focus on deeply impoverished areas such as the “three regions and three states”, promote effective credit distribution, deepen insurance services, do a good job in the product differentiation and innovation and skewing resource allocation; strive to improve poverty alleviation Quality prevention of the return of poverty, targeting the remaining poor and marginalized populations, increase credit support for industrial poverty alleviation, improve the linkage mechanism between credit support and withdraw poverty to poverty-affected households, and promote insurance institutions to conduct policy-based agricultural insurance business and sanitary poverty alleviation in poor areas, and continue Consolidate poverty alleviation results .
“Blood transfusion” changed to “hematopoiesis”
In the process of alleviating financial poverty, cultivating the “hematopoiesis” function has improved the financial ecology of poverty-affected areas and contributes to strengthening the endogenous motivation to alleviate poverty.
From the perspective of banking institutions, Pan Guangwei, full-time vice president of the China Banking Association, presented that the political, development, commercial and cooperative banking financial institutions have their respective advantages in investment, credit and complementarity to attract social funds. to continue to enter and achieve benign benefits. Circulation, support the development of deeply impoverished areas, contiguous areas concentrated with extreme poverty and poverty alleviation and relocation, spring plowing, spring planting and resumption of production during the anti-epidemic period, in order to implement the relief of financial poverty.
In the insurance industry, Xing Wei, president of the China Insurance Association, introduced that various insurance institutions select village cadres and establish grassroots service teams to fight on the front lines of poverty alleviation , stimulate endogenous motivation and promote the sustainable and healthy development of poor areas. Innovative insurance industry financial portfolio measures inject fresh water into the development of industries in poverty-stricken areas, innovatively develop multiple service methods such as “insurance + futures”, “insurance + loans” and “combination “of financial services to improve the ability of the poor to resist market risks. Help leading companies lower their funding threshold.
Many institutions have not forgotten to play the “hematopoietic” role in the “blood transfusion” process for poverty alleviation. According to Zhan Dongsheng, the Agricultural Bank has successively organized and implemented special actions such as poverty alleviation through consumption, poverty alleviation through education, and poverty alleviation through employment. Xiao Jianyou, vice chairman of the People’s Insurance Group of China, said that PICC has established a stable and long-term mechanism for poverty alleviation through industrial poverty alleviation, focusing on solving the problem of poverty caused by disasters.
