日前(qian),中(zhong)央政治(zhi)局委(wei)員、國務院(yuan)副總理(li)劉(liu)鶴到人民銀行、銀行保險監(jian)督管理(li)委(wei)員會、證監(jian)會等(deng)金融管理(li)部門調(diao)研并強調(diao),增強四個(ge)意識(shi)、切實做好(hao)當前(qian)金融工(gong)作(zuo)(zuo),打好(hao)防范化解金融風險攻堅戰是當前(qian)金融工(gong)作(zuo)(zuo)的重中(zhong)之重。
“防范化解重(zhong)大(da)風險(xian)(xian)”位列(lie)黨的(de)十九大(da)提(ti)出的(de)現階(jie)段三大(da)攻(gong)(gong)堅戰之首,而中央經(jing)濟工(gong)作(zuo)會(hui)議明(ming)確指出,打好防范化解重(zhong)大(da)風險(xian)(xian)攻(gong)(gong)堅戰,重(zhong)點是防控金融風險(xian)(xian)。過去(qu)一年來,金融系統認真貫(guan)徹落實(shi)黨中央、國務(wu)院決策(ce)部署,沿(yan)著供給側結(jie)構(gou)性改革主線,主動(dong)降杠桿防風險(xian)(xian),做了(le)(le)大(da)量卓(zhuo)有成(cheng)效的(de)工(gong)作(zuo),守住(zhu)了(le)(le)不(bu)發(fa)生系統性金融風險(xian)(xian)的(de)底線。如何鞏(gong)固來之不(bu)易的(de)成(cheng)果,不(bu)斷提(ti)升(sheng)統籌協調(diao)監(jian)管能力,促進金融穩定(ding)健康發(fa)展,成(cheng)為新(xin)時代的(de)新(xin)課題。
“金融(rong)活(huo),經(jing)(jing)濟活(huo);金融(rong)穩(wen)(wen),經(jing)(jing)濟穩(wen)(wen)。”在(zai)金融(rong)的(de)(de)“穩(wen)(wen)”與(yu)“活(huo)”之間,黨(dang)中(zhong)(zhong)(zhong)央(yang)主導(dao)的(de)(de)機構改(gai)革(ge),已經(jing)(jing)做好了頂層設計(ji)。去(qu)年全國(guo)金融(rong)工(gong)作會(hui)議中(zhong)(zhong)(zhong)初次提及的(de)(de)國(guo)務院金融(rong)穩(wen)(wen)定發(fa)展委員會(hui),在(zai)十九(jiu)大閉幕后(hou)率先(xian)破(po)土而出;隨著今年全國(guo)兩會(hui)落下帷幕,中(zhong)(zhong)(zhong)共中(zhong)(zhong)(zhong)央(yang)印(yin)發(fa)的(de)(de)《深化黨(dang)和國(guo)家機構改(gai)革(ge)方案》提出,將銀監(jian)(jian)(jian)會(hui)和保監(jian)(jian)(jian)會(hui)的(de)(de)職責整合,組(zu)建中(zhong)(zhong)(zhong)國(guo)銀行保險監(jian)(jian)(jian)督管理(li)委員會(hui),作為(wei)國(guo)務院直屬事業單位,并將銀監(jian)(jian)(jian)會(hui)和保監(jian)(jian)(jian)會(hui)擬(ni)訂銀行業、保險業重要法律法規草(cao)案和審(shen)慎(shen)監(jian)(jian)(jian)管基本(ben)制度的(de)(de)職責劃入(ru)央(yang)行。證監(jian)(jian)(jian)會(hui)維持不變(bian)。至此,一委一行兩會(hui)架構成(cheng)型。
從分工上看(kan),金(jin)(jin)(jin)融(rong)(rong)(rong)穩定發展(zhan)(zhan)委員會(hui)的職責在于:審議金(jin)(jin)(jin)融(rong)(rong)(rong)業(ye)改(gai)革(ge)發展(zhan)(zhan)重(zhong)大規劃;統籌(chou)金(jin)(jin)(jin)融(rong)(rong)(rong)改(gai)革(ge)發展(zhan)(zhan)與監(jian)管(guan)(guan),協調(diao)(diao)貨(huo)幣政策與金(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)管(guan)(guan)相(xiang)(xiang)關事項,統籌(chou)協調(diao)(diao)金(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)管(guan)(guan)重(zhong)大事項;分析(xi)研判國(guo)際國(guo)內金(jin)(jin)(jin)融(rong)(rong)(rong)形勢,做好國(guo)際金(jin)(jin)(jin)融(rong)(rong)(rong)風(feng)險(xian)應對(dui),研究(jiu)系(xi)統性(xing)金(jin)(jin)(jin)融(rong)(rong)(rong)風(feng)險(xian)防范處(chu)置(zhi)和維護金(jin)(jin)(jin)融(rong)(rong)(rong)穩定重(zhong)大政策等。央行則較之前擔(dan)當更(geng)多監(jian)管(guan)(guan)協調(diao)(diao)的重(zhong)要(yao)角色。銀(yin)保監(jian)會(hui)主要(yao)職責為,依照法律法規統一監(jian)督管(guan)(guan)理銀(yin)行業(ye)和保險(xian)業(ye),維護金(jin)(jin)(jin)融(rong)(rong)(rong)穩定,即相(xiang)(xiang)對(dui)微觀(guan)行為監(jian)管(guan)(guan)。
從人事(shi)任(ren)(ren)命(ming)來看,3月19日(ri),易(yi)綱被任(ren)(ren)命(ming)為央行行長;3月21日(ri),郭樹(shu)清(qing)成(cheng)為銀保監會第一(yi)任(ren)(ren)黨委(wei)書(shu)記、主(zhu)席(xi);3月26日(ri),郭樹(shu)清(qing)再(zai)被任(ren)(ren)命(ming)為央行黨委(wei)書(shu)記、副行長。這一(yi)新穎的安排,顯然更有利于加(jia)強央行與銀保監會的協調,便利信息的交流,也(ye)有助于降低(di)決策成(cheng)本,提升(sheng)效率(lv),同時也(ye)是提升(sheng)金融穩定性(xing)的一(yi)個有利因(yin)素。
維護金(jin)(jin)(jin)融穩定的(de)頂層設(she)計已(yi)經(jing)鋪就,新的(de)金(jin)(jin)(jin)融監管架構(gou)針(zhen)對中國金(jin)(jin)(jin)融領(ling)域的(de)現實(shi)(shi)國情,既解決了此前“一(yi)行三會”模式存在的(de)微觀監管和(he)宏(hong)觀監管協調上的(de)效率和(he)沖突(tu)問題(ti),又(you)兼顧了現實(shi)(shi)的(de)可操作性。這是金(jin)(jin)(jin)融體系穩定發展的(de)基(ji)礎。在這一(yi)新的(de)監管模式下,劉鶴調研(yan)中談及(ji)的(de)仍然是此前相關(guan)會議上一(yi)再(zai)強(qiang)調的(de)方(fang)向,堅持以供給側結構(gou)性改革為主(zhu)線,切(qie)實(shi)(shi)提高(gao)金(jin)(jin)(jin)融服務實(shi)(shi)體經(jing)濟水平。這也(ye)指明了金(jin)(jin)(jin)融穩定發展不能偏離的(de)方(fang)向,即(ji)服務于(yu)經(jing)濟高(gao)質量(liang)發展。
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