中英对照2023推进普惠金融高质量发展的实施意见.docx

ImplementationOpinionsoftheStateCouncilonPromotingtheHigh-QualityDevelopmentofInclusiveFinanceDocumentNumber：No.152023oftheStateCouncilAreaofLaw:OptimizationofDoingBusinessFinancialInstitutions1.evelofAuthority：RegulatoryDocumentsoftheStateCouncilIssuingAuthority：StateCouncilDateIssued：09-25-2023EffectiveDate:09-25-2023Status:EffectiveTopic：StockIssuanceRegistrationSystemImplementationOpinionsoftheStateCouncilonPromotingtheHigh-QualityDevelopmentofInclusiveFinance(No.15(2023oftheStateCouncil)Thepeople'sgovernmentsofallprovinces,autonomousregions,andmunicipalitiesdirectlyundertheCentralGovernment;andallministriesandcommissionsoftheStateCouncilandallinstitutionsdirectlyundertheStateCouncil:Inrecentyears,allregionsanddepartmentshavediligentlyimplementedthedecisionsandarrangementsoftheCPCCentralCommitteeandtheStaleCouncil,madegreatprogressinthedevelopmentofinclusivefinanceinChina,significantlyimprovedthecoverage,availabilityandsatisfactionoffinancialservices,basicallyrealizedthattherearefinancialinstitutionsineverytown,servicesareavailabletoeveryvillage,andaccountsareopenedforeveryfamily,enhancedrapiddevelopmentofmobilepayment,digitalcredit,andotherservices,andconstantlyimprovedtheleveloffinancial国务院关于推进普惠金融高质量发展的实施意见（国发（2023）15号）各省、自治区、直辖市人民政府，国务院各部委、各直属机构：近年来，各地区、各部门认真贯彻落实党中央、国务院决策部署，推动我国普惠金融发展取得长足进步，金融服务覆盖率、可得性、满意度明显提高，基本实现乡乡有机构、村村有服务、家家有账户，移动支付、数字信贷等业务迅速发展，小微企业、“三农”等领域金融服务水平不断提升。新形势下，普惠金融发展仍面临诸多问题和挑战，与全面建设社会主义现代化国家的目标要求还存在较大差距。为构建高水平普惠金融体系，进一步推进普惠金融高质量发展，现提出如下意见。servicesinmicroandsmallenterprises,44agriculture,ruralareasandfarmers,andotherfields.Undernewsituations,thedevelopmentofinclusivefinancestillfacesmanyproblemsandchallenges,andisafarcryfromthegoalofcomprehensivelybuildingamodernsocialistcountry.Inordertobuildahigh-levelinclusivefinancialsystemandfurtherpromotethehigh-qualitydevelopmentofinclusivefinance,thefollowingopinionsareherebyputforward.I.Generalrequirements1.GuidingthoughtUndertheguidanceofXiJinpingThoughtonSocialismwithChineseCharacteristicsforaNewEra,thespiritofthe20thCPCNationalCongressshallbeimplementedinanin-depthmanner,thedecisionsandarrangementsoftheCPCCentralCommitteeandtheStateCouncilshallbediligentlyimplemented,thepoliticalandpeople'snatureoffinancialworkshallbefirmlygrasped,thenewdevelopmentconceptshallbeimplementedinacomplete,accurateandcomprehensivemanner,thesupply-sidestructuralreformofthefinancialsectorshallbedeepened,thehigh-qualitydevelopmentofinclusivefinanceshallbepromoted,theabilitytosen,etherealeconomyshallbeimproved,variousfinancialrisksshallbepreventedandresolved,andcommonprosperityforallpeopleshallbepromoted.一、总体要求（一）指导思想以习近平新时代中国特色社会主义思想为指导，深入贯彻党的二十大精神，认真落实党中央、国务院决策部署，牢牢把握金融工作的政治性和人民性，完整、准确、全面贯彻新发展理念，深化金融供给侧结构性改革，推进普惠金融高质量发展，提升服务实体经济能力，防范化解各类金融风险，促进全体人民共同富裕。2.Basicprinciples（二）基本原则一坚持党的领导。坚持加强党的全面领导和党中央集中 统一领导，充分发挥中国特色社会主义制度优势，进一步 发挥各级党组织的作用，为普惠金融高质量发展提供坚强 的政治保证和组织保障。InsistingontheleadershipoftheParty.StrengtheningtheoverallleadershipofthePartyandthecentralizedandunifiedleadershipoftheCPCCentralCommitteeshallbeinsistedon,theadvantagesofthesocialistsystemwithChinesecharacteristicsshallbemaximized,andtheroleofthePartyorganizationsatalllevelsshallbefurtherleveraged,toprovidestrongpoliticalguaranteeandorganizationalsupportforthehigh-qualitydevelopmentofinclusivefinance.坚持人民至上。牢固树立以人民为中心的发展思想， 坚持普惠金融发展为了人民、依靠人民、成果由人民共 享。始终把人民对美好生活的向往作为普惠金融发展的方 向，自觉担当惠民利民的责任和使命，切实增强人民群众 金融服务获得感。Insistingonsupremacyofthepeople.Apeople-centereddevelopmentphilosophyshallbefirmlyestablished,andtheprinciplethatthedevelopmentofinclusivefinanceisforthepeople,reliesonthepeople,anditsachievementsaresharedbythepeopleshallbeinsistedon.Thepeople,syearningIbrabetterlifeshallalwaysberegardedasthedirectionofdevelopmentofinclusivefinance,theresponsibilityforandmissionofbenefitingthepeopleshallbeconsciouslyassumed,andthepeople,ssenseofgaininnancialservicesshallbeeffectivelyenhanced.一坚持政策引领。进一步明确各级政府责任，加强规划 引导，加大政策、资源倾斜力度。坚持依法行政，优化营 商环境，维护市场秩序。完善基础设施、制度规则和基层 治理，推进普惠金融治理能力现代化。Insistingontheguidanceofthepolicy.Theresponsibilitiesofgovernmentsatalllevelsshallbefurtherspecified,planningandguidanceshallbestrengthened,andgreaterpreferenceshallbegiventopoliciesandresources.Law-basedadministrationshallbeinsistedon,thebusinessenvironmentshallbeimproved,andthemarketordershallbemaintained.Theinfrastructure,institutionalrulesandgovernanceatthegrass-rootslevelshallbeimproved,andthemodernizationofgovernancecapacityforinclusivefinanceshallbepromoted.一Insisting on reform and innovation. The principles of坚持改革创新。坚持市场化、法治化原则，遵循金融规律，积极稳妥探索成本可负担、商业可持续的普惠金融发展模式。持续深化改革，破除机制障碍，强化科技赋 能。加强国际交流合作，以高水平开放推动高质量发展。一坚持安全发展。坚持底线思维，统筹发展和安全，加 强和完善现代金融监管。坚决打击非法金融活动，着力防 范化解中小金融机构风险，强化金融稳定保障体系，守住 不发生系统性金融风险底线。倡导负责任金融理念，切实 保护金融消费者合法权益。()主要目标未来五年，高质量的普惠金融体系基本建成。重点领域金 融服务可得性实现新提升，普惠金融供给侧结构性改革迈 出新步伐，金融基础设施和发展环境得到新改善，防范化 解金融风险取得新成效，普惠金融促进共同富裕迈上新台 阶。marketizationandruleoflawshallbe