吴晓求:大型银行经过调整将成为实现普惠金融的重要力量

时间:2019-07-24 来源:www.saisaisai.com

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Wu Xiaoqiu: Vice President of Renmin University of China, Academic Director of Wanli Think Tank

For the adjustment of large banks, Wu Xiaoqiu believes that the first is to adjust the overall management system, to sink the responsibility, and to reform the means of small and micro enterprises. Second, the assessment criteria should be adjusted to enhance the enthusiasm of employees. The risk appetite of small and medium-sized enterprises is high, and they need to make great efforts to serve them well.

In addition, financial institution adjustment is also very important. Wu Xiaoqiu believes that it is necessary to create a series of financial institutions that serve small and micro enterprises, including not only commercial banks, but also non-bank institutions, so that these small financial institutions can provide services for small and medium-sized enterprises.

Zhang Yanling: Former Vice President of Bank of China, Senior Researcher of Wanli Zhiku

The prominent risks in Internet finance are credit risk, false publicity, illegal business risks, cross-business risks, network and information security, and regulatory lag. Supply chain finance should also pay attention to these risks. The description of innovative products must be detailed, the platform must be transparent, and it is not possible to operate loans and expand credit. All types of enterprises engaged in supply chain finance must have risk control arrangements and measures, and must have risk prevention capabilities. Their steady development is one of the important tasks of “stabilizing finance”.

Liu Zhiqin: Senior Research Fellow, Chongyang Financial Research Institute, Renmin University of China, Senior Researcher, Wanli Zhiku

The difference between China and the United States is a fact. This is two aspects of normal contradictions. They are "opposite," interconnected, united, and mutually supportive. The United States naively thinks that it can “decouple” from another aspect of China’s contradiction, and “disengage” it, and it can enjoy prosperity alone. This is not only naive, but also a “Luf” behavior without basic knowledge of philosophy. In the end, it will definitely be punished.

Lu Political Commissar: Chief Economist of Industrial Bank, Senior Researcher of Wanli Zhiku

xx虽然制造业采购经理人指数的变化在R007的方向上并不明显,但制造业PMI在一段时间内首次跌破50%,通常伴随着央行的降准,导致R007下行。其背后的逻辑是,制造业PMI是第一个公布的月度经济数据,涵盖了工业生产的各个方面,是经济增长的关键指标。当制造业采购经理人指数跌破50%时,稳定的增长信号明显释放,而降准的宽松货币政策首先出现。因此,我们认为6月底宣布的制造业采购经理人指数降至50%以下,并且不会在7月开始“转换”。

周天勇:中共中央党校国际战略研究所副所长,万里之库高级研究员

农民没有真正的土地使用权,不同所有制之间的土地交易是不公平和不公平的;计划经济的18亿亩红线和建设用地指标控制,使住宅用地供应量极少,高层住宅建筑日益侵占和低层庭院土地的挤压;农民几乎没有权利建造自己的土地;城乡住房建设逐步统一,只能由开发商进行,农民越来越多地限制自己建房,居民不允许合作,企业和组织建房。土地转让的财务机制将使当地政府任意垄断住宅用地,供应饥饿,并推高价格。开发商将最大化利益并使用最少的土地来覆盖大多数房屋。因此,中国城乡的住房只能建得更多,楼层越高。这些扭曲的系统和力量将不会被改革和控制,未来可能会有超过一百所房屋。

韩惠士:建新金融资产投资有限公司研究总监

银行外汇收汇中有外币和人民币。人民币与外币的流动比率约为1:3。人民币显然不需要结算,因此不可能使用“银行到客户的外汇收集”数据,而是使用“银行外汇收汇”数据。

简单来说,如果一段时间内汇入国内的大部分外汇已经结算,可以认为结算外汇的意愿相对较强,人民币升值的预期是也比较强大。