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《中国人民银行“十五五”改革发展规划》印发
The People's Bank of China has issued the '15th Five-Year Plan' Reform and Development Plan, proposing five major tasks: building a monetary policy system, enhancing financial services to the real economy, constructing an open financial market, advancing high-level financial opening-up, and optimizing financial infrastructure. 财 财联社Follow·
Yesterday·862 words (about 4 min)
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Summary
The article reports that the People's Bank of China recently issued the 'People's Bank of China 15th Five-Year Plan Reform and Development Plan', accompanied by nine sector-specific action plans. The plan unfolds around five aspects: First, building a sound and scientific monetary policy system and a comprehensive macroprudential management system, including perfecting the modern monetary policy framework, improving the base money injection mechanism, leveraging the volume and structural functions of monetary credit policy tools, improving the market-based interest rate formation and transmission mechanism, maintaining basic stability of the renminbi exchange rate, and perfecting the macroprudential management system. Second, continuously enhancing the quality and effectiveness of financial services to the real economy, perfecting a strong and precise financial policy system to support major strategies and weak links, constructing a financial system adapted to technological innovation, establishing a 'technology board' in the bond market, improving the quality and effectiveness of financial support for green development and low-carbon transition, perfecting inclusive finance and pension finance systems, accelerating the development of digital finance, and strengthening financial support to boost and expand consumption. Third, continuously building an open, inclusive, vibrant and resilient modern financial market, improving a diversified multi-tier financial market system, enriching financial market business forms, strengthening financial market institutional construction, and maintaining stable operation of the financial market. Fourth, prudently advancing high-level opening-up of the financial sector, promoting the internationalization of the renminbi, expanding the use of the renminbi in international trade and investment and financing, deepening two-way opening of financial markets, strengthening cross-border connectivity of financial infrastructure, promoting the development of the offshore renminbi market, improving a broad-coverage multi-tier cross-border renminbi payment system, accelerating the construction of the Shanghai International Financial Centre, consolidating and enhancing the status of the Hong Kong International Financial Centre, actively practicing global governance initiatives, participating in and promoting global financial governance reform, balancing openness and security, and strengthening the ability to maintain financial stability under opening conditions. Fifth, optimizing financial infrastructure and the central bank's service system, promoting the formation of a financial infrastructure system with rational layout, effective governance, advanced reliability, and strong resilience, enhancing the quality and effectiveness of central bank financial services, improving financial statistics, payment, treasury, and cash service systems, steadily developing the digital renminbi, advancing high-quality development of the credit reporting industry, strengthening anti-money laundering supervision, strengthening the governance foundation for the central bank's performance, and comprehensively advancing the construction of a rule-of-law central bank and a digital central bank.
Main Points
* 1. Building a sound and scientific monetary policy and macroprudential management system.
Includes improving the modern monetary policy framework, perfecting the base money injection mechanism, leveraging the volume and structural functions of monetary credit policy tools, improving the market-based interest rate formation and transmission mechanism, maintaining basic stability of the renminbi exchange rate, and perfecting the macroprudential management system.
* 2. Enhancing the quality and effectiveness of financial services to the real economy.
Perfecting a strong and precise financial policy system to support major strategies and weak links, constructing a financial system adapted to technological innovation, establishing a 'technology board' in the bond market, enhancing the quality and effectiveness of financial support for green development and low-carbon transition, improving inclusive finance and pension finance systems, accelerating the development of digital finance, and strengthening financial support to boost and expand consumption.
* 3. Building an open, inclusive, vibrant and resilient modern financial market.
Improving a diversified multi-tier financial market system, enriching financial market business forms, strengthening financial market institutional construction, and maintaining stable operation of the financial market.
* 4. Prudently advancing high-level opening-up of the financial sector.
Promoting the internationalization of the renminbi, expanding the use of the renminbi in international trade and investment and financing, deepening two-way opening of financial markets, strengthening cross-border connectivity of financial infrastructure, developing the offshore renminbi market, improving a broad-coverage multi-tier cross-border renminbi payment system, enhancing the status of the Shanghai and Hong Kong International Financial Centres, participating in global financial governance reform, and balancing openness and security.
* 5. Optimizing financial infrastructure and the central bank's service system.
Promoting the formation of a financial infrastructure system with rational layout, effective governance, advanced reliability, and strong resilience, enhancing the quality and effectiveness of central bank financial services, improving financial statistics, payment, treasury, and cash service systems, steadily developing the digital renminbi, advancing high-quality development of the credit reporting industry, strengthening anti-money laundering supervision, and advancing the construction of a rule-of-law central bank and a digital central bank.
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财联社 2026-08-10 18:31 上海
中国人民银行近日印发《中国人民银行“十五五”改革发展规划》，并配套制定出台了9份相关细分领域的行动方案，就“十五五”时期中国人民银行改革发展重点任务作出部署。
一是构建科学稳健的货币政策体系和覆盖全面的宏观审慎管理体系。健全中国特色现代货币政策框架，完善基础货币投放机制，发挥好货币信贷政策工具的总量和结构功能。健全市场化利率形成、调控和传导机制。发挥市场在汇率形成中的决定性作用，保持人民币汇率在合理均衡水平上基本稳定。完善宏观审慎管理体系，拓展中央银行宏观审慎和金融稳定功能，拓展宏观审慎管理覆盖范围，丰富宏观审慎管理工具，建立宏观审慎监测评估机制，加强金融稳定保障体系建设，稳妥化解重点领域金融风险。
二是持续增强金融服务实体经济质效。健全精准有力支持重大战略、重点领域和薄弱环节的金融政策体系。构建同科技创新相适应的科技金融体制，高质量建设债券市场“科技板”，提升金融支持绿色发展与低碳转型质效，持续完善普惠金融体系，健全养老金融体系，加快推进数字金融，强化金融支持提振和扩大消费。
三是持续建设开放包容、富有活力韧性的现代金融市场。完善多类别、多层次金融市场体系，进一步丰富金融市场业态，更好发挥金融市场功能。强化金融市场制度建设，维护金融市场平稳运行。
四是稳妥推进金融高水平对外开放。推进人民币国际化，拓展人民币在国际贸易和投融资中的使用。深化金融市场双向开放，加强金融基础设施跨境互联互通。推进人民币离岸市场发展。完善多层次、广覆盖的人民币跨境支付体系。加快建设上海国际金融中心，巩固提升香港国际金融中心地位。积极践行全球治理倡议，参与和推动全球金融治理改革。统筹开放和安全，强化开放条件下维护金融稳定能力建设。
五是优化金融基础设施和中央银行服务体系。推动形成布局合理、治理有效、先进可靠、富有弹性的金融基础设施体系。提升中央银行金融服务质效，完善金融统计、支付、国库、现金服务体系，稳步发展数字人民币，推进征信业高质量发展，强化反洗钱监管。强化中央银行履职的治理基础，全面推进法治央行和数字央行建设。 
Tags
Monetary Policy
Macroprudential Management
Financial Reform
Renminbi Internationalization
Financial Opening
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