2022年8月28日，驻卡拉奇总领事李碧建在巴基斯坦知名媒体《商业纪事报》发表“中国这十年”系列署名文章之十《银行保险业实现新的跨越式发展》。文章阐述了党的十八大以来中国银行业和保险业的历史性成就以及跨越式发展。中英文全文如下：

党的十八大以来，中国金融业发展取得举世瞩目的成就，银行业保险业实现新的跨越式发展。

金融与实体经济良性循环逐步形成。过去十年，银行贷款和债券投资年均增速分别为13.1%和14.7%，与名义GDP增速基本匹配。保险密度从每人1144元人民币上升到3179元人民币，大病保险制度从2012年建立以来已覆盖12.2亿城乡居民，长期护理保险覆盖近1.5亿人，农业保险为农户提供风险保障从2012年的0.9万亿元人民币增长至2021年的4.7万亿元人民币。普惠型小微企业贷款、普惠型涉农贷款年均增速分别达到25.5%和14.9%，大大高于贷款平均增速，覆盖范围和可及性显著提高。

银行业保险业改革开放呈现新局面。持续健全金融机构公司治理，深化中小银行农信社改革。养老保险改革试点取得重大进展，专属商业养老保险试点范围扩大至全国，养老理财认购金额超600亿元。十年来，中国推出50多项银行保险开放政策。2021年，在华外资银行资本和资产均较十年前增长超过50%，在华外资保险公司资本增长1.3倍，资产增长6倍。一大批专业性银行业保险业机构，如外资理财公司、外资资产管理公司等积极参与中国金融市场发展。

防范化解重大金融风险取得重要成果。金融监管部门坚决防范化解金融风险，金融资产盲目扩张得到根本扭转，高风险影子银行较历史峰值压降约25万亿元。不良资产处置大步推进，过去十年累计消化不良资产16万亿元，一大批突出的风险隐患得到消除。金融违法行为受到严厉惩治。

严监管氛围基本形成。中国制定和修改法律规章70余部，金融法治建设取得重大成效，依法监管能力明显提高。向社会公开5批124个违法违规股东。采取多种形式严厉处罚银行保险机构和相关责任人员的违法违规行为，一体推进金融风险防范和金融腐败惩治。

未来，中国将坚持和加强党对金融工作的全面领导，坚定不移走好中国特色金融监管道路。

Reform and development of China’s Financial Sector: New Leapfrog in the Banking and Insurance Industries

-- Tenth part of the “China in the past decade” series

By Mr. Li Bijian, Consul General of China in Karachi

Since the 18th National Congress of Communist Party of China (CPC), China has made impressive achievements in the financial sector and achieved new leapfrog growth in the banking and insurance industries.

A virtuous circle of the real economy and the financial system has taken shape. Over the past decade, the average annual growth of bank loans and bond investments were 13.1% and 14.7%, respectively, roughly matching the growth of nominal GDP. And the insurance density increased from 1,144 RMB per capita to 3,179 RMB per capita. The serious disease insurance system has covered 1.22 billion residents in urban and rural areas since its establishment in 2012. The risk protection provided by agricultural insurance for agricultural households increased from 0.9 trillion RMB in 2012 to 4.7 trillion RMB in 2021. The annual average growth of inclusive loans for small and micro enterprises was 25.5%, and that of loans for supporting agricultural production, development of rural areas, and agricultural population was 14.9%, both much higher than the average loan growth. In addition, a significant increase has been seen in both the coverage and accessibility.

Reform and opening-up in the banking and insurance sectors have taken on a new look. Continuous efforts have been made to improve the corporate governance of financial institutions and the reform of small and medium-sized banks and rural credit cooperatives has been deepened. Major progress has been made in the pilot reform of the pension system, with the exclusive commercial endowment insurance piloted nationwide. More than 60 billion RMB in pension wealth products had been subscribed. Over the past ten years, China has adopted more than 50 policies to expand opening-up in the banking and insurance sectors. In 2021, the total capital and assets of foreign banks in the Chinese market both increased by more than 50% in comparison with ten years ago, and those of foreign insurance companies in China have grown 2.3 times and 7 times, respectively. Many professional banking and insurance institutions, such as foreign wealth management companies and foreign assets management companies, have been actively participating in the development of China's financial market.

Important achievements have been made in forestalling and defusing major financial risks. Departments of financial supervision and regulation resolutely took actions to prevent and resolve financial risks, with the blind expansion of financial assets fundamentally reversed. High-risk shadow banking has been reduced by about 25 trillion RMB compared with the historical peak, while a total of 16 trillion RMB of non-performing assets have been disposed of in the past decade. Many prominent risks were defused, and illegal activities in the financial sector were severely punished.

An environment of strict supervision and regulation has been fostered. China has formulated and revised more than 70 laws and regulations. Substantial results have been made in legal construction of financial sector. Marked improvement has been seen in the country’s capacity for supervision and regulation in accordance with the law. So far, the identities of a total of 124 stockholders who breached laws or regulations have been disclosed to the public. Through various ways, China severely punished the activities violating laws or regulations committed by banking and insurance institutions and persons responsible, so as to address the prevention of financial risks and crack down on financial corruption through a systemic approach.

In the future, China will uphold and strengthen the CPC’s overall leadership over finance and steadfastly follow the path of financial supervision and regulation with Chinese characteristics.

原文链接：https://www.brecorder.com/news/40194260/chinas-financial-sector-reform-and-development