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李云澤:堅定不移推動金融高水平開放 中國必將是全球金融機構展業興業的沃土
時間:2025-06-19

“無(wu)論(lun)國(guo)際(ji)風云如何變(bian)幻(huan),中國(guo)金(jin)(jin)融(rong)業擴大高水平開放的(de)決心不(bu)會改變(bian),構建互(hu)利共贏金(jin)(jin)融(rong)發展格(ge)局的(de)決心不(bu)會改變(bian),推動建立(li)更加(jia)包(bao)容(rong)的(de)國(guo)際(ji)金(jin)(jin)融(rong)體系的(de)決心不(bu)會改變(bian)。”6月(yue)18日(ri),金(jin)(jin)融(rong)監管總局局長(chang)李(li)云澤在2025陸家嘴論(lun)壇開幕式上作主題演講時表示。

李云澤介紹,金(jin)融(rong)(rong)監管(guan)總局將堅決貫徹(che)黨中央、國(guo)(guo)務院決策部署,進一(yi)步拓(tuo)展金(jin)融(rong)(rong)開放的(de)廣度(du)和深度(du),為高質(zhi)量發展注入更(geng)多動(dong)力(li)和活(huo)力(li)。論壇期間,金(jin)融(rong)(rong)監管(guan)總局與上(shang)(shang)(shang)海(hai)市政府聯合發布《支(zhi)持上(shang)(shang)(shang)海(hai)國(guo)(guo)際(ji)金(jin)融(rong)(rong)中心建(jian)設(she)行動(dong)方案》,推出一(yi)系(xi)列務實(shi)舉措(cuo),包括(kuo)鼓(gu)勵上(shang)(shang)(shang)海(hai)在(zai)科技金(jin)融(rong)(rong)、跨境金(jin)融(rong)(rong)等領域開展創新試點,支(zhi)持符合條件(jian)的(de)全(quan)國(guo)(guo)性銀行在(zai)滬設(she)立金(jin)融(rong)(rong)資產(chan)投資公司,支(zhi)持探索不動(dong)產(chan)、未上(shang)(shang)(shang)市股(gu)權等非貨幣信(xin)托財產(chan)登記上(shang)(shang)(shang)海(hai)模式,提(ti)升(sheng)上(shang)(shang)(shang)海(hai)國(guo)(guo)際(ji)再保險、航運(yun)保險承(cheng)保能力(li)和全(quan)球服務水平等。

開(kai)放合作是中(zhong)(zhong)(zhong)國(guo)金(jin)融改(gai)革發(fa)展的強大(da)(da)(da)動力(li)。改(gai)革開(kai)放特別是黨的十八大(da)(da)(da)以來(lai),我們始終(zhong)堅持(chi)以開(kai)放促改(gai)革、促發(fa)展,金(jin)融業綜(zong)合實力(li)顯(xian)著增強,逐步(bu)走出一(yi)條(tiao)中(zhong)(zhong)(zhong)國(guo)特色金(jin)融發(fa)展之路。據(ju)李云澤透露,目前全(quan)球前50大(da)(da)(da)銀(yin)行中(zhong)(zhong)(zhong)有(you)42家在華設有(you)機構,40家最(zui)大(da)(da)(da)的保險公司(si)近半數已進入中(zhong)(zhong)(zhong)國(guo)。八成全(quan)國(guo)性銀(yin)行通(tong)過(guo)引入境外戰(zhan)略投資者,提升了公司(si)治理效能和經營管理水平。

中國的(de)金融(rong)開放不僅(jin)惠及自身,也為全球資(zi)(zi)金提供了(le)良(liang)(liang)好的(de)資(zi)(zi)產配置機(ji)(ji)會。目前(qian),外(wai)(wai)資(zi)(zi)銀行和(he)保險機(ji)(ji)構總資(zi)(zi)產超過(guo)7萬億元,各項業務保持(chi)良(liang)(liang)好增(zeng)長態勢。例如,外(wai)(wai)資(zi)(zi)保險公司保費占(zhan)國內市(shi)場份額,已從2013年的(de)4%提升至目前(qian)的(de)9%。外(wai)(wai)資(zi)(zi)銀行衍生品業務國內市(shi)場占(zhan)比近五分之一(yi)。同(tong)時,中資(zi)(zi)機(ji)(ji)構也在70多(duo)個國家和(he)地(di)區廣泛(fan)展(zhan)業,有力(li)促(cu)進了(le)雙(shuang)邊貿易和(he)相互投資(zi)(zi)。

圍(wei)繞構(gou)(gou)建金融(rong)高(gao)水平開(kai)放(fang)新格局,李云澤表示,一是要穩步擴大(da)(da)金融(rong)制(zhi)度(du)型(xing)開(kai)放(fang)。近年來,我國(guo)著力健(jian)全規(gui)則、規(gui)制(zhi)、管理(li)、標(biao)準體(ti)系,完善準入前國(guo)民(min)待遇加(jia)負面清單管理(li)模式,銀行保險領(ling)域(yu)的限(xian)制(zhi)性措(cuo)施(shi)已經(jing)基本取消。下一步,將大(da)(da)力復(fu)制(zhi)推廣自貿(mao)(mao)區(qu)、自貿(mao)(mao)港(gang)擴大(da)(da)制(zhi)度(du)型(xing)開(kai)放(fang)的經(jing)驗(yan)做法,支(zhi)持(chi)外資機構(gou)(gou)參與更多金融(rong)業(ye)務試點。對(dui)標(biao)國(guo)際高(gao)標(biao)準經(jing)貿(mao)(mao)協議(yi)中金融(rong)領(ling)域(yu)相(xiang)關規(gui)則,探索在更寬(kuan)領(ling)域(yu)、更大(da)(da)幅度(du)上(shang)加(jia)大(da)(da)開(kai)放(fang)力度(du)。

二是持續優化外資(zi)營商環境。加快推進金融(rong)領域法治建設,有效維護金融(rong)市場(chang)公平秩(zhi)序,積(ji)極(ji)營造透明穩(wen)定可預期的(de)政(zheng)策環境。健全與外資(zi)機(ji)(ji)構常態化溝通(tong)機(ji)(ji)制,深入了解實際需求(qiu),著力解決(jue)難點堵點問(wen)題。根(gen)據外資(zi)機(ji)(ji)構業務特(te)點和風(feng)險(xian)特(te)征(zheng),及時優化相關(guan)政(zheng)策,讓(rang)外資(zi)機(ji)(ji)構在更(geng)加友好包容(rong)的(de)環境中(zhong)各(ge)展所長、健康(kang)發展。

三(san)是共同筑牢全球(qiu)(qiu)(qiu)金(jin)(jin)融(rong)(rong)(rong)安全網。中國(guo)作為負責任(ren)的(de)大國(guo),積極參與(yu)制(zhi)定和(he)維護國(guo)際(ji)金(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)管(guan)(guan)規則,扎實推(tui)進《巴(ba)塞爾(er)協(xie)議Ⅲ》和(he)保險業新(xin)會計準則等制(zhi)度實施。將繼續推(tui)動國(guo)際(ji)金(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)管(guan)(guan)改革(ge),支持(chi)國(guo)際(ji)金(jin)(jin)融(rong)(rong)(rong)組織在完善全球(qiu)(qiu)(qiu)金(jin)(jin)融(rong)(rong)(rong)治理(li)等方(fang)面(mian)充(chong)分發揮(hui)作用。加強多(duo)邊和(he)雙邊金(jin)(jin)融(rong)(rong)(rong)監(jian)(jian)管(guan)(guan)協(xie)調,促進跨境(jing)監(jian)(jian)管(guan)(guan)和(he)危機(ji)管(guan)(guan)理(li)合作,為全球(qiu)(qiu)(qiu)金(jin)(jin)融(rong)(rong)(rong)穩定貢(gong)獻更大力量。

改革(ge)開放40多年(nian)來,中國創造(zao)了經濟快(kuai)速發展和(he)社會長期穩定“兩大奇(qi)跡(ji)”,金融(rong)業也保持了健康發展和(he)總體(ti)穩定。“中國擁有充滿活力和(he)潛力的超大規模(mo)市(shi)場(chang),過去是(shi)、現在是(shi)、將來也必然是(shi)全球金融(rong)機(ji)構(gou)展業興業的沃土。”李云澤說。

近年來(lai),消(xiao)費(fei)已成為(wei)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)經(jing)濟(ji)增(zeng)長的(de)主引(yin)擎,市(shi)(shi)場規(gui)(gui)模全(quan)(quan)球第二,中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)正在(zai)加速成為(wei)全(quan)(quan)球最大(da)消(xiao)費(fei)市(shi)(shi)場。不少外(wai)(wai)資(zi)(zi)機(ji)(ji)構(gou)在(zai)消(xiao)費(fei)金(jin)(jin)(jin)融(rong)(rong)、普惠(hui)金(jin)(jin)(jin)融(rong)(rong)領(ling)域有豐富(fu)(fu)經(jing)驗和獨特專(zhuan)長,深耕中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)市(shi)(shi)場必將(jiang)大(da)有作(zuo)為(wei)。中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)創(chuang)新(xin)成果加速涌現,近年來(lai),一些國(guo)(guo)際機(ji)(ji)構(gou)投(tou)資(zi)(zi)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)科(ke)創(chuang)企業(ye)獲(huo)得豐厚(hou)回報,越來(lai)越多的(de)投(tou)資(zi)(zi)者日益看好(hao)(hao)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)科(ke)技發(fa)(fa)展潛力。中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)歡迎外(wai)(wai)資(zi)(zi)機(ji)(ji)構(gou)深度參(can)與(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)科(ke)技金(jin)(jin)(jin)融(rong)(rong)、數字金(jin)(jin)(jin)融(rong)(rong)實(shi)踐(jian),促進(jin)“科(ke)技—產(chan)業(ye)—金(jin)(jin)(jin)融(rong)(rong)”良(liang)性(xing)循環。在(zai)綠(lv)(lv)色(se)(se)(se)金(jin)(jin)(jin)融(rong)(rong)方面(mian),目前中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)綠(lv)(lv)色(se)(se)(se)信(xin)貸規(gui)(gui)模全(quan)(quan)球第一,綠(lv)(lv)色(se)(se)(se)債券、綠(lv)(lv)色(se)(se)(se)保(bao)(bao)(bao)(bao)險市(shi)(shi)場規(gui)(gui)模居全(quan)(quan)球前列,預計(ji)2030年實(shi)現碳(tan)達峰目標資(zi)(zi)金(jin)(jin)(jin)需求將(jiang)超(chao)25萬億(yi)元(yuan)(yuan)。中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)支持外(wai)(wai)資(zi)(zi)機(ji)(ji)構(gou)廣泛參(can)與(yu)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)綠(lv)(lv)色(se)(se)(se)金(jin)(jin)(jin)融(rong)(rong)市(shi)(shi)場,共同為(wei)全(quan)(quan)球綠(lv)(lv)色(se)(se)(se)低碳(tan)轉型提供更多中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)范例(li)。在(zai)養(yang)(yang)老(lao)(lao)(lao)金(jin)(jin)(jin)融(rong)(rong)方面(mian),近年來(lai),我(wo)國(guo)(guo)有序擴大(da)養(yang)(yang)老(lao)(lao)(lao)理財、養(yang)(yang)老(lao)(lao)(lao)儲蓄、專(zhuan)屬養(yang)(yang)老(lao)(lao)(lao)保(bao)(bao)(bao)(bao)險和商業(ye)養(yang)(yang)老(lao)(lao)(lao)金(jin)(jin)(jin)試點。李云(yun)澤表示,預計(ji)2035年我(wo)國(guo)(guo)60歲以上人口將(jiang)突破(po)4億(yi),銀(yin)發(fa)(fa)經(jing)濟(ji)規(gui)(gui)模有望達到(dao)30萬億(yi)元(yuan)(yuan)。希(xi)望更多外(wai)(wai)資(zi)(zi)機(ji)(ji)構(gou)積(ji)極參(can)與(yu),更好(hao)(hao)發(fa)(fa)揮(hui)產(chan)品設計(ji)、保(bao)(bao)(bao)(bao)險精(jing)算(suan)、投(tou)資(zi)(zi)管理等專(zhuan)業(ye)優勢,共享(xiang)中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)養(yang)(yang)老(lao)(lao)(lao)市(shi)(shi)場發(fa)(fa)展紅利。此外(wai)(wai),中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)擁(yong)有全(quan)(quan)球最大(da)規(gui)(gui)模且持續壯(zhuang)大(da)的(de)中(zhong)(zhong)(zhong)(zhong)(zhong)等收入(ru)群體,中(zhong)(zhong)(zhong)(zhong)(zhong)國(guo)(guo)家庭的(de)現金(jin)(jin)(jin)和儲蓄占比超(chao)過一半,遠高于經(jing)合組織(OECD)國(guo)(guo)家約三分之(zhi)一的(de)平均水(shui)平。金(jin)(jin)(jin)融(rong)(rong)監管總局(ju)支持外(wai)(wai)資(zi)(zi)機(ji)(ji)構(gou)在(zai)理財投(tou)資(zi)(zi)、資(zi)(zi)產(chan)配置、保(bao)(bao)(bao)(bao)險規(gui)(gui)劃(hua)等領(ling)域加大(da)布局(ju),更好(hao)(hao)滿足客(ke)戶財富(fu)(fu)保(bao)(bao)(bao)(bao)值增(zeng)值等綜(zong)合化金(jin)(jin)(jin)融(rong)(rong)需求,促進(jin)財富(fu)(fu)管理行(xing)業(ye)提質升級。

(來源:金融(rong)時報)