The 20th major report of the party clearly requires，Strengthening the financial stability guarantee system，All types of financial activities are included in supervision，Keeping the bottom line of no systemic risk。The Central Financial Work Conference held in October 2023 emphasized，Financial work must be fully strengthened with supervision、Keeping the risk of preventing and resolving risks，Find the bottom line that does not occur without systemic financial risks。Strengthening the financial stability guarantee system is an inevitable requirement for keeping a systemic financial risk bottom line and promoting high -quality financial development，It is the essence of accelerating the construction of a modern financial system with Chinese characteristics and a strong financial country。

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Coordinated major financial risk prevention and resolution work，To compacted the responsibilities of all parties，Unblocking mechanism、Clear responsibilities、division of labor cooperation、Form a joint force。The main body of maintaining financial stability mainly includes departmental supervision、Local territories and financial institutions。

Regulatory responsibility for financial regulatory agencies。At present, my country's financial regulatory agencies include both the central financial management department (that is, "one line, one head office, one time, one game") and their branches or sending agencies，Also includes local financial regulatory agencies。From the perspective of the specific division of labor，The People's Bank of China is mainly responsible for monetary policy and macro -prudential supervision，If it improves systemic important bank supervision、Merit financial institution rating on the quarter，and the banking industry pressure test for risk monitoring and early warning。The State Administration of Finance and Administration is responsible for the supervision of the financial industry in addition to the securities industry，Bet365 lotto review Strengthen the daily supervision of the financial holding group、Financial consumer protection。The CSRC is responsible for capital market supervision、Increases the responsibility of corporate bond issuance review，Realize the unified supervision of the bond market。Local financial regulatory agencies are mainly responsible for small loan companies、Financing Guarantee Company、Regular financial institutions such as the regional equity market and other local financial organizations。To strengthen institutional supervision、Behavior Supervision、Function supervision，Improve penetrating supervision、Continuous supervision，Improve the implementation and accountability system of supervision responsibilities，Effective improvement。

Local responsibility of local governments。Give full play to the role of the local financial committee and the financial work committee in maintaining financial stability，Grasp the maintenance of financial stability，Copper wall iron walls that have to prevent regional financial risks。Responsibility for the management of local state -owned financial capital、Liberal risk disposal responsibilities and the first responsibility of the stability maintenance office combined，Promote the establishment of a financial risk disposal mechanism responsible for the establishment of the main leaders of the local leaders，Properly dispose of high -risk financial institutions in the jurisdiction。Accelerate the landing of a localized debt plan，Optimize local government debt structure，Establish a long -term mechanism for preventing and resolving local government debt risks。Further improve corporate governance，Improve the risk control system，Strengthen internal control management。

The main responsibility of financial institutions。Financial institutions are the first line of defense to prevent and resolve financial risks，The main responsibility of the main body of financial risk prevention and disposal should be effectively fulfilled。Financial institutions shall operate compliantly in accordance with law，Strengthen internal control，Improve corporate governance。Effectively play the leadership role of party committees bet365 best casino games in risk management of financial institutions，Further strengthen the final responsibility of the board of directors' risk management，Give full play to the supervision function of the risk management of the board of supervisors; further clarify the main responsibility of the major shareholders of financial institutions and the actual controller in risk management，Strengthen the responsibility of the rescue of the major shareholders and the actual controlling person to the disposal financial institutions。State -owned large financial institutions are usually important financial institutions in domestic systems，Its security and stability are related to national financial security and stability。

　　Improve the financial stability guarantee fund

"There must be sufficient resources，Hurry up to establish a financial stability guarantee fund，Give full play to the role of the deposit insurance system and industry security fund in risk disposal。"" "，Financial Stability Guarantee Fund System is an important part of the financial security network。

Accelerate the accumulation of financial stability guarantee funds。2022 The Government Work Report proposed the "Establishment of Financial Stability Guarantee Fund" for the first time。Financial Stability Guarantee Fund is a reserve fund to deal with major financial risks，Should focus on the disposal of systemic financial risks，Focusing on more destructive、Wider financial risk prevention and resolution，Give full play to the role of market -oriented risk disposal platform。Accelerate the accumulation of financial stability guarantee funds，Rich fund raising funds source channels，Clarify and improve the use of funds and risk disposal mechanisms，It is the top priority of improving the financial stability guarantee system。

Improve the financial industry security fund。my country has established a deposit insurance fund、Insurance Security Fund、Securities Investor Protection Fund、Futures Investor Protection Fund、Trust Industry Security Fund and other financial industry security funds。But compared to the disposal of high -risk financial institutions in recent years，The scale of the financial industry security fund is limited and the scope of the use of some funds is faced with restrictions，Lack of coordinated cooperation，The application mechanism Bet365 app download needs to be refined。So，The risk disposal role of the financial industry security fund should be strengthened，Improve its operating mechanism，Expand its use range，Give full play to its risk monitoring and protection function。Financial Stability Protection Fund and the Financial Industry Security Fund double -layer operation、Coordinated cooperation，Guarantee national financial security。

Improve the last lender system。The last lender system is the last means of the central bank's rescue of financial institutions，We should adhere to the main risk of systemic risks、Principles supplemented by liquidity risk。Accurately distinguish between systemic risks and liquidity risks，Avoid the function of the last lender gradually generalized，Pay attention to the moral risk issues and reverse selection problems caused by the last lender's excessive assistance。

Establish a local financial stability guarantee fund。Encourage local governments to set up local guarantee funds or bond funds，Properly disposal to resolve local debt risks，Do a good job of local risk disposal and follow -up institutional reform、The matching and connection of prudent supervision。Improve local guarantee fund operation and use mechanism，Enhance regional financial stability maintenance capabilities，Promoting the construction of local financial stability and long -term mechanism。

　　Improve the legal guarantee of financial stability

The Central Financial Work Conference held in October 2023 emphasized，"To strengthen the construction of financial rule of law，Timely promoting the financial key areas and emerging areas in a timely manner "。Accelerate the legislation of financial stability，Improve the legal guarantee system for financial stability，It is related to national financial security and stability，It is an important institutional basis for improving national financial governance capabilities。Only the legal guarantee system that improves financial stability，can effectively guarantee financial stability and high -quality development of financial。

Accelerate the introduction of the "Financial Stability Law"。April 2022，The People's Bank of China released the "Financial Stability Law of the People's Republic of China (Draft Draft for Consultation)"。In bet365 Play online games order to strengthen the top -level design of financial stability work、Effectively play the role of major financial risk disposal of financial stability guarantee funds，It is necessary to accelerate the introduction of the "Financial Stability Law"，Establish a financial stability working mechanism for cross -industry and cross -department，Clarify the legal procedure of financial risk disposal，Monitor financial risk monitoring、Identification and disposal process "can be rely on、There is a chapter to follow "。

Accelerate the revision and improvement of financial stability related laws and regulations。Accelerate the promotion of relevant laws such as the "People's Bank of China", "Commercial Bank Law", "Securities Law", "Insurance Law", "Trust Law", "Regulations on deposit Insurance Fund"、Amendment to the Regulations，Internal logic of different legal specifications of financial stability legal system，Keep content consistency。Improve the "Enterprise Bankruptcy Law" and "Anti -Monopoly Law" and other laws and regulations that are closely related to the stability of finance，Strengthen legislation coordination between different fields，Give full play to governance。

Improve local financial stability related legal system。March 2023，Central Committee of the Communist Party of China、The "Reform Plan for Party and State Institutional Institution" issued by the State Council points out，"Establish a local financial regulatory system based on the central financial management department and local dispatch agencies"。October 2023，The Central Financial Work Conference emphasizes the implementation of the local party committee's financial committee and the territory of the financial work committee。So，To accelerate the formulation and revision of the state and local levels of local financial regulatory regulations，Introduce the "Regulations on the Supervision and Administration of Local Financial Supervision" as soon as possible，For local financial supervision、Financial risk prevention resolution and disposal provides legal basis，Effectively and effectively maintain local financial stability。

　　Digital Energy Financial Stability Security System

While giving full play to the positive effect bet365 best casino games of digital finance，Use digital technology to strengthen the financial stability guarantee system，It is an urgent need to adapt to the development of financial digitalization，It is also preventing financial risks cross -regional、Cross -market、The inevitable requirements of cross -border transmission resonance。

Digital empowerment financial institutions，Promoting digital transformation of financial institutions。Enhanced financial institution digital technology integration application，Build an early risk assessment、Digital risk control system monitoring and post -event collection。Strengthening information technology risk management concept conduction and risk management and control technology tools to be implemented，Pay attention to the accumulation and governance of risk control data，Fully identify potential risks and changes，Real -time real -time risk information、Full、Precision conduction，Promoting risk management from "private defense" to "intelligent defense" and "technical defense"。

Digital empowerment regulatory authorities，Strengthen supervision technology construction。The regulatory authorities should adjust dynamically in time，New service that may generate risks during the rapid integration of financial business and digital technology、New Activities、New products are incorporated into supervision in time，Improve the early correction mechanism with hard constraints。Actively promote the construction of regulatory big data platform，Gradually realize the online standardization of regulatory processes，Continuous strengthening regulatory data collection、Sharing and Application，Improve regulatory digitalization、Intelligent level，Improve supervision efficiency and quality。

Digital empowerment Enterprise management，Improve corporate risk prevention ability。Encourage enterprises to apply digital technology to crafts、Manufacturing、Logistics and other links，Make full use of digital resources，Improve the level of internal management and risk prevention capabilities of the enterprise。Accelerate the digital transformation of enterprises，Help enterprises seek more diversification、Healthy external supply Bet365 app download chain system，Various risks formed by continuously adapting to market changes and effectively recognizing and undertaking the rapid changes of the external environment。

　　(The author is a professor at the School of Finance of Zhongnan University of Economics and Law)