全(quan)國(guo)人大(da)代表(biao)、中(zhong)國(guo)人民銀行鄭州中(zhong)心支行行長徐諾金(jin)日前在接受中(zhong)國(guo)證券報記者專訪時表(biao)示，今年將統籌好(hao)金(jin)融(rong)發展與金(jin)融(rong)安全(quan)，加強風(feng)險排查，做好(hao)風(feng)險應對，完善(shan)風(feng)險防范處置長效機(ji)制。在房(fang)(fang)地(di)產(chan)(chan)方面，將保持房(fang)(fang)地(di)產(chan)(chan)金(jin)融(rong)政(zheng)策連續性(xing)、一致性(xing)、穩定性(xing)，強化(hua)差別化(hua)住房(fang)(fang)信貸政(zheng)策、房(fang)(fang)地(di)產(chan)(chan)金(jin)融(rong)宏觀審(shen)慎政(zheng)策落實力度。

　　進一步加強風險排查和識別

　　中國證券報：今年金融防風險重點有哪些？

　　徐諾金：當(dang)前，我國經濟恢復(fu)基礎(chu)尚不牢固(gu)，金(jin)(jin)融(rong)(rong)風(feng)險(xian)(xian)外(wai)溢(yi)呈現新特征，需高度關注(zhu)中(zhong)小金(jin)(jin)融(rong)(rong)機構風(feng)險(xian)(xian)、房(fang)地(di)產貸款風(feng)險(xian)(xian)、信用債(zhai)違約后續(xu)影響、地(di)方(fang)金(jin)(jin)融(rong)(rong)資產交易場所和私募(mu)基金(jin)(jin)風(feng)險(xian)(xian)、無照開展金(jin)(jin)融(rong)(rong)活動風(feng)險(xian)(xian)、外(wai)部(bu)環境變(bian)化對金(jin)(jin)融(rong)(rong)市場沖擊(ji)等。下一階段，人民銀行將(jiang)統籌好(hao)金(jin)(jin)融(rong)(rong)發(fa)展與金(jin)(jin)融(rong)(rong)安(an)全，加強風(feng)險(xian)(xian)排查，做好(hao)風(feng)險(xian)(xian)應對，完善風(feng)險(xian)(xian)防范處置長效(xiao)機制，在早(zao)(zao)發(fa)現、早(zao)(zao)預警、早(zao)(zao)處置、早(zao)(zao)釋放上下工夫(fu)，守住不發(fa)生(sheng)系(xi)統性金(jin)(jin)融(rong)(rong)風(feng)險(xian)(xian)底(di)線。

　　具體看，把握好(hao)風(feng)(feng)(feng)險(xian)(xian)處置原則和基本(ben)方(fang)法，推動(dong)金融風(feng)(feng)(feng)險(xian)(xian)處置，及時出(chu)清問題機構。明(ming)確風(feng)(feng)(feng)險(xian)(xian)處置優(you)(you)先順序，做(zuo)到心(xin)中有數。要堅守不發(fa)生系統性風(feng)(feng)(feng)險(xian)(xian)的(de)底線，找準突出(chu)風(feng)(feng)(feng)險(xian)(xian)點(dian)，把握好(hao)處置重(zhong)點(dian)和優(you)(you)先順序，高(gao)度關注重(zhong)點(dian)金融機構和部分重(zhong)點(dian)領域風(feng)(feng)(feng)險(xian)(xian)，大力規(gui)范整治重(zhong)點(dian)業務(wu)，按(an)照三年規(gui)劃，重(zhong)點(dian)高(gao)質量推動(dong)高(gao)風(feng)(feng)(feng)險(xian)(xian)機構和項(xiang)目風(feng)(feng)(feng)險(xian)(xian)化解處置。

　　在風(feng)(feng)(feng)險(xian)(xian)排查(cha)方面，應(ying)進一步(bu)加強風(feng)(feng)(feng)險(xian)(xian)排查(cha)和識(shi)別(bie)。不(bu)斷完善風(feng)(feng)(feng)險(xian)(xian)監測(ce)手段，拓寬風(feng)(feng)(feng)險(xian)(xian)監測(ce)視野，高標準構建風(feng)(feng)(feng)險(xian)(xian)預(yu)防預(yu)警體系，綜合運用央行金融機構評級、存款保(bao)險(xian)(xian)差別(bie)費率、現場核查(cha)、壓力測(ce)試、大型(xing)企業(ye)監測(ce)等(deng)工具和手段，切實摸(mo)清風(feng)(feng)(feng)險(xian)(xian)底(di)數，做到風(feng)(feng)(feng)險(xian)(xian)早(zao)識(shi)別(bie)、早(zao)預(yu)警、早(zao)發(fa)現，推動早(zao)處(chu)置。

　　也應突(tu)出(chu)抓好中小金融(rong)機構(gou)(gou)風(feng)險(xian)(xian)化解(jie)。要壓(ya)實(shi)(shi)(shi)各方責任，通過風(feng)險(xian)(xian)提示和預警，壓(ya)實(shi)(shi)(shi)地方政府(fu)屬地風(feng)險(xian)(xian)處(chu)置責任，壓(ya)實(shi)(shi)(shi)金融(rong)機構(gou)(gou)主(zhu)體責任、特別是(shi)問題機構(gou)(gou)股東責任，壓(ya)實(shi)(shi)(shi)金融(rong)監(jian)管部門(men)監(jian)管責任，推動(dong)高(gao)風(feng)險(xian)(xian)機構(gou)(gou)風(feng)險(xian)(xian)化解(jie)。要主(zhu)動(dong)擔當(dang)、善(shan)于(yu)作為、守土有責、守土盡責，保(bao)持高(gao)度(du)警惕(ti)，完(wan)善(shan)應急預案，加強風(feng)險(xian)(xian)管控。

　　此外，應完善風險處(chu)(chu)置(zhi)長效(xiao)機(ji)(ji)制(zhi)。金(jin)融委辦公室地(di)(di)方協(xie)調機(ji)(ji)制(zhi)要承擔(dan)好(hao)(hao)牽(qian)頭單位(wei)責任，發揮好(hao)(hao)“傳(chuan)達(da)人”“協(xie)調人”作用。利用地(di)(di)方協(xie)調機(ji)(ji)制(zhi)，推動(dong)(dong)農信(xin)社(she)改革、地(di)(di)方政府(fu)專(zhuan)項債(zhai)補充資本等工作，從根本上化解農信(xin)機(ji)(ji)構風險。大力推動(dong)(dong)地(di)(di)方金(jin)融生態建(jian)設，協(xie)調有關(guan)部門處(chu)(chu)理好(hao)(hao)大型企業(ye)債(zhai)務風險，健(jian)全債(zhai)權保護機(ji)(ji)制(zhi)，打擊非(fei)法(fa)金(jin)融活動(dong)(dong)，營造金(jin)融支持(chi)實體經(jing)濟的良好(hao)(hao)環境。

　　保持房地產金融政策連續性

　　中國證券報：今年轄區內房地產金融政策還會出臺哪些措施？

　　徐諾金：黨(dang)中央、國務院高度(du)(du)重視房(fang)地(di)(di)產(chan)市場平(ping)穩健(jian)康發展。中國人民(min)銀行按(an)照(zhao)黨(dang)中央、國務院決策部署，堅持“房(fang)住不炒”定位，緊緊圍繞穩地(di)(di)價、穩房(fang)價、穩預(yu)期(qi)的目標(biao)全面(mian)落實房(fang)地(di)(di)產(chan)長效(xiao)機制(zhi)，加強房(fang)地(di)(di)產(chan)金融(rong)(rong)調(diao)控，實施好房(fang)地(di)(di)產(chan)金融(rong)(rong)審(shen)慎管(guan)理制(zhi)度(du)(du)，完善住房(fang)租(zu)賃金融(rong)(rong)政(zheng)策，并在2021年(nian)年(nian)初建立銀行業金融(rong)(rong)機構房(fang)地(di)(di)產(chan)貸款集中度(du)(du)管(guan)理制(zhi)度(du)(du)，有效(xiao)促進房(fang)地(di)(di)產(chan)市場平(ping)穩健(jian)康發展。

　　人民銀(yin)行(xing)鄭州中(zhong)(zhong)心(xin)支行(xing)認(ren)真貫徹落實總行(xing)決策部署，一是(shi)(shi)(shi)加強窗口指導，強化對(dui)個(ge)人住房(fang)(fang)貸款(kuan)高(gao)頻監測預警，推動(dong)個(ge)人住房(fang)(fang)貸款(kuan)合(he)理(li)增(zeng)長。二是(shi)(shi)(shi)在(zai)征求各方(fang)意(yi)見基礎(chu)上(shang)，制定河南省房(fang)(fang)地(di)產(chan)(chan)貸款(kuan)集中(zhong)(zhong)度管理(li)工作方(fang)案，認(ren)真落實銀(yin)行(xing)業金(jin)(jin)融(rong)機構房(fang)(fang)地(di)產(chan)(chan)貸款(kuan)集中(zhong)(zhong)度管理(li)制度。三是(shi)(shi)(shi)強化住房(fang)(fang)租賃市場金(jin)(jin)融(rong)支持，積極(ji)支持鄭州老舊小區改造和(he)(he)公租、廉(lian)租房(fang)(fang)建設。四是(shi)(shi)(shi)深入推進房(fang)(fang)地(di)產(chan)(chan)投資信托(tuo)基金(jin)(jin)理(li)論研究和(he)(he)試點探索(suo)，積極(ji)推動(dong)集體建設用地(di)建設租賃住房(fang)(fang)試點項(xiang)目，發行(xing)房(fang)(fang)地(di)產(chan)(chan)信托(tuo)投資基金(jin)(jin)。截(jie)至2020年年末，全(quan)(quan)省房(fang)(fang)地(di)產(chan)(chan)貸款(kuan)增(zeng)速同比(bi)下(xia)降(jiang)8個(ge)百(bai)分點，房(fang)(fang)地(di)產(chan)(chan)貸款(kuan)當年新增(zeng)額(e)同比(bi)少增(zeng)770億元(yuan)，新增(zeng)額(e)占全(quan)(quan)部貸款(kuan)新增(zeng)額(e)比(bi)例同比(bi)下(xia)降(jiang)6.7個(ge)百(bai)分點。

　　下一步，人(ren)民銀(yin)行(xing)鄭州(zhou)中(zhong)心支行(xing)將(jiang)繼續認真(zhen)貫徹落實(shi)十(shi)九屆五中(zhong)全會(hui)、中(zhong)央經濟工作(zuo)會(hui)議部署，按照人(ren)民銀(yin)行(xing)總行(xing)工作(zuo)安排，堅持(chi)“房(fang)(fang)(fang)住不(bu)炒”定位，保持(chi)房(fang)(fang)(fang)地(di)產(chan)金融政(zheng)策(ce)(ce)連續性(xing)、一致性(xing)、穩(wen)定性(xing)，強化差別(bie)化住房(fang)(fang)(fang)信貸(dai)政(zheng)策(ce)(ce)、房(fang)(fang)(fang)地(di)產(chan)金融宏觀(guan)審(shen)慎政(zheng)策(ce)(ce)落實(shi)力度，推動(dong)建立完善房(fang)(fang)(fang)地(di)產(chan)市場(chang)監管長效機(ji)制，有效促進區域房(fang)(fang)(fang)地(di)產(chan)市場(chang)平(ping)穩(wen)健康發(fa)展。