海南自貿港*新政策系列 ——

FTP Policy Focus Series

金融支持海南全面深化改革

Financial Support for Hainan’s

Comprehensive Deepening of 

Reform and Opening-up

今年以來，國家有關部門陸續頒布一系列政策，在金融、市場準入、貿易自由化便利化以及跨境服務貿易等方面支持海南自由貿易港深化改革開放。近期我們將發布海南自貿港*新政策系列推文。今天為大家推送的是中國人民銀行、中國銀行保險監督管理委員會、中國證券監督管理委員會、國家外匯管理局等四部門于4月9日聯合發布的《關于金融支持海南全面深化改革開放的意見》。

In recent months, a series of policies on supporting the deepening of reform and opening-up of Hainan Free Trade Port in finance, market access, trade liberalization and facilitation have been rolled out by different departments of the central government. To get our investors informed of these latest developments, we shall offer policy translation and interpretation through the FTP Policy Focus Series posts. Today we focus on the Opinions on Financial Support for Hainan’s Comprehensive Deepening of Reform and Opening-up issued by 4 departments.

 ↓↓具體內容如下 ↓↓

中國人民銀行?中國銀行保險監督管理委員會?中國證券監督管理委員會 國家外匯管理局關于金融支持海南全面深化改革開放的意見

銀發〔2021〕84號

海南省人民政府：

       為深入貫徹習近平總書記在慶祝海南建省辦經濟特區30周年大會上的重要講話精神，落實《中共中央國務院關于支持海南全面深化改革開放的指導意見》和《海南自由貿易港建設總體方案》相關重要戰略部署，支持海南全面深化改革開放，推動建立與海南自由貿易港相適應的金融政策和制度框架，經國務院同意，現提出如下意見。

Opinions on Financial Support for Hainan's Comprehensive Deepening of Reform and Opening-up

(Issued by the People's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange)

People's Government of Hainan Province: 

To thoroughly deliver the thought of General Secretary Xi Jinping’s important speech at the celebration of the 30th anniversary of the establishment of the Hainan Province and Special Economic Zone, implement the "Guiding Opinions of the CPC Central Committee and the State Council on Supporting Hainan's Comprehensive Deepening of Reform and Opening-up" and the "Master Plan for the Construction of Hainan Free Trade Port" and related strategic arrangements, support Hainan’s comprehensive deepening of reform and opening up, and promote the establishment of a financial policy and institutional framework compatible with the free trade port, the following opinions are hereby provided with the consent of the State Council.

一、總體原則

I. General principles

(一)支持海南實體經濟發展。堅持深化金融供給側結構性改革，創新金融政策、產品和工具，聚焦發展旅游業、現代服務業和高新技術產業，重點支持海洋產業、醫療健康、旅游會展、交通運輸、現代農業、服務外包等重點領域發展，推動建立開放型生態型服務型產業體系，促進服務業優化升級，推動經濟高質量發展。

(1) Support the development of Hainan's real economy. Persist in deepening the structural reform of supply side of the financial sector, innovate financial policies, products and tools, focus on the development of tourism, modern service and high-tech industries, and put emphasis on supporting the development of key areas such as marine industries, medical and health, tourism, exhibition, transportation, modern agriculture, service outsourcing, etc. Promote the establishment of an open and ecological service industry system, the optimization and upgrading of the service industry as well as high-quality economic development.

(二)服務海南自由貿易港建設。圍繞建設全面深化改革開放試驗區、國家生態文明試驗區、國際旅游消費中心、國家重大戰略服務保障區的戰略定位，服務國內其他地區與海南自由貿易港資金往來和跨境貿易投資自由化便利化，分階段、分步驟實施各項金融改革開放與創新舉措，推動海南成為新時代全面深化改革開放的新標桿。

(2) Serve the construction drive of Hainan Free Trade Port. Focus on the strategic positioning of building the pilot zone for furthering all-round reform and opening up , the national pilot zone for ecological conservation, the international tourism  and  consumption  destination, and the service zone for implementing China’s major strategies, serve capital exchanges between other regions of the country and the Hainan Free Trade Port as well as the liberalization and facilitation of cross-border trade and investment, implement various financial reform and opening and innovation measures in phases and steps to promote Hainan to become a new benchmark for all-round reform and opening up in the new era.

(三)以制度創新為核心深化金融改革開放。堅持對標國際的原則，深化金融改革開放。按照遠近結合、循序漸進、突出重點的工作思路，在跨境資金流動自由便利、投融資匯兌便利化、金融業對外開放等方面先行先試，積極探索更加靈活的金融政策體系、監管模式、管理體制。

(3) Deepen financial reform and opening up with institutional innovation as the core.  Adhere  to  the principle of aligning with  international  standards  to deepen  financial  reform and opening up. In accordance with the thought of combining long- and short-distance, taking solid steps, and highlighting key points, trials and attempts  in free and convenient cross-border capital flow, the facilitation of investment and financing exchanges, and the opening of the financial sector to the outside world are encouraged to actively explore more flexible financial policy systems, regulatory models and  management systems.

(四)加強金融風險防控體系建設。堅持底線思維，穩扎穩打、步步為營，完善與金融開放創新相適應的跨境資金流動風險防控體系，在確保有效監管和風險可控的前提下，穩妥有序推進各項金融開放創新舉措，統籌安排好開放節奏和進度，成熟一項推進一項，牢牢守住不發生系統性金融風險的底線。

(4) Strengthen the construction of financial risk prevention and control system. Adhere to bottom-line thinking, work steadily and step by step, improve the cross-border capital flow risk prevention and control system that is compatible with financial opening-up and innovation, and under the premise of ensuring effective supervision and risk control, promote various financial opening and innovation measures in a steady and orderly manner, and coordinate arrangements and progress of opening up, take one step after another to introduce measures only when conditions are met, and firmly hold the bottom line of preventing systemic financial risks.

二、提升人民幣可兌換水平，支持跨境貿易投資自由化便利化

II. Improve the convertibility of the RMB and support the liberalization and facilitation of cross-border trade and investment

(五)進一步推動跨境貨物貿易、服務貿易以及新型國際貿易結算便利化。根據“了解客戶、了解業務、盡職審查”原則，審慎合規的海南自由貿易港銀行可試點憑支付指令為優質客戶辦理真實合規貨物貿易和服務貿易結算，實現銀行真實性審核從事前審查轉為事后核查。實施與跨境服務貿易配套的資金支付與轉移制度。支持海南自由貿易港試點銀行，在強化對客戶分級管理的基礎上，進一步便利真實合規新型國際貿易的跨境結算。

(5) Further promote the facilitation of settlements for cross-border trade in goods, trade in service, and new type of international trade. In accordance with the principle of “knowing the customers, knowing the business, and performing due diligence in review”, trial projects could be run at prudential and compliant banks in Hainan Free Trade Port to handle settlements for high-quality customers with payment instructions for real compliant deals of trade in goods and trade in service, and bank authenticity review mode is altered from pre-settlement review to post-settlement check. Implement a fund payment and transfer system that is compatible with cross-border trade in service. Support pilot banks in Hainan Free Trade Port to further facilitate the cross-border settlement for real compliant new type of international trade on the basis of strengthening the hierarchical management of customers.

(六)探索適應市場需求新形態的跨境投資外匯管理。在風險可控前提下，允許海南自由貿易港內合格境外有限合伙人(QFLP)按照余額管理模式自由匯出、匯入資金，簡化外匯登記手續。將海南自由貿易港納入合格境內有限合伙人(QDLP)試點，給予海南自由貿易港QDLP試點基礎額度，每年可按一定規則向其增發QDLP額度。

(6) Explore foreign exchange management for cross-border investment that adapts to new forms of market demand. Under the premise of controllable risks, Qualified Foreign Limited Partners (QFLP) in the Hainan Free Trade Port are allowed to handle inbound and outbound fund remittance without control as long as the requirements for balance management are met, and streamline foreign exchange registration procedures. The Hainan Free Trade Port will be included in the Qualified Domestic Limited Partnership (QDLP) pilot program, and will be granted the QDLP pilot basic quota, while an additional quota could be granted each year according to specific rules.

(七)完善全口徑跨境融資宏觀審慎管理政策框架?？蛇m當提高海南自由貿易港內注冊的非金融企業(不含房地產企業和地方政府融資平臺)跨境融資上限，實現更高額度的跨境資金融入規模。

(7) Improve the policy framework for the macro-prudential management of full-scale cross-border financing. The upper limit of cross-border financing for non-financial enterprises (excluding real estate enterprises and local government financing platforms) registered in the Hainan Free Trade Port can be appropriately increased to achieve a higher scale of cross-border capital financing.

(八)探索開展跨境資產管理業務試點。支持境外投資者投資海南自由貿易港內金融機構發行的理財產品、證券期貨經營機構私募資產管理產品、公募證券投資基金、保險資產管理產品等資產管理產品。

(8) Explore the implementation of pilot projects for cross-border asset management business. Support foreign investors to invest in wealth management products issued by financial institutions in the Hainan Free Trade Port, private equity asset management products offered by securities and futures operating institutions, public securities investment funds, insurance asset management products and other asset management products.

 (九)探索放寬個人跨境交易政策。支持在海南自由貿易港內就業的境外個人開展包括證券投資在內的各類境內投資。允許符合條件的非居民按實需原則在海南自由貿易港內購買房地產，對符合條件的非居民購房給予匯兌便利。研究進一步便利海南居民個人用匯。

(9) Explore the relaxation of policies for personal cross-border transactions. Support foreign individuals employed in the Hainan Free Trade Port to carry out various types of domestic investment including securities investment. Eligible non-residents are allowed to purchase real estate in Hainan Free Trade Port upon practical demand, and provide them with foreign exchange facilitation. Study the feasibility of further facilitating the personal use of foreign exchange by Hainan residents.

(十)在海南開展本外幣合一跨境資金池業務試點。支持符合條件的跨國企業集團在境內外成員之間集中開展本外幣資金余缺調劑和歸集業務，專戶內資金按實需兌換，對跨境資金流動實行雙向宏觀審慎管理。

(10) To carry out a pilot project of a cross-border capital pool business with the integration of domestic and foreign currencies in Hainan. Support qualified multinational enterprise groups to conduct centralized adjustment and pooling of domestic and foreign currency funds between domestic and foreign corporate members, to exchange funds in special accounts based on practical demand, and implement two-way macro-prudential management of cross-border capital flows.

(十一)支持符合資格的非銀行金融機構開展結售匯業務試點。符合資格的非銀行金融機構滿足一定條件后可參與到銀行間外匯市場，依法合規開展人民幣對外匯即期業務和相關衍生品交易。

(11) Support qualified non-bank financial institutions to carry out pilot projects for foreign exchange settlement and sales.  Qualified  non-bank financial institutions can participate in the inter-bank foreign exchange market upon meeting specific conditions, and conduct RMB-to-foreign exchange spot business and related derivatives transactions in accordance with laws and regulations.

三、完善海南金融市場體系

III. Improve Hainan's financial market system

(十二)支持海南銀行業發展。支持海南引進全國性股份制商業銀行設立分行。研究海南農村信用社改革，推動其更好服務鄉村振興戰略實施。強化海洋產業、高新技術產業等領域的金融服務。支持海南引進外資，參股地方性資產管理公司。

(12) Support the development of Hainan's banking industry. Support Hainan to introduce national joint-stock commercial banks to set up branches. Study the reform of Hainan Rural Credit Cooperatives, and promote the implementation of its strategy of better serving rural revitalization. Strengthen financial services in areas such as the marine industry and high-tech industries. Support Hainan to attract foreign investment and participate in shareholding of local asset management companies.

(十三)支持符合條件的海南企業首發上市，通過多層次股權市場發展壯大。繼續支持海南企業并購重組，實現轉型升級。

(13) Support qualified Hainan enterprises to go public for the first time and grow through the multi-level equity market. Continue to support the mergers and acquisitions of Hainan enterprises to achieve transformation and upgrading.

(十四)支持海南企業發行債券融資。積極支持符合條件的海南企業在銀行間市場和交易所市場發行公司信用類債券，進一步提高直接融資規模。支持市場主體擴大在受托管理機構、交易場所等方面的自主選擇空間。支持海南企業通過資產證券化盤活存量、拓寬資金來源。

(14) Support Hainan enterprises to issue bonds for financing. Actively support qualified Hainan enterprises to issue corporate credit bonds in the inter-bank market and the exchange market to further increase the scale of direct financing. Support market entities to expand their independent choice of trustee management institutions and trading venues. Support Hainan enterprises to revitalize their stocks and expand funding sources through asset securitization.

(十五)支持海南相關基金發展。支持公募基金落戶海南，支持符合條件的機構在海南依法申請設立合資公募基金管理公司，支持符合條件的境外金融機構在海南全資擁有或控股參股期貨公司。對投向海南種業、現代農業等重點領域的私募股權投資基金，給予登記備案綠色通道。

(15) Support the development of related funds in Hainan. Support public funds to settle in Hainan, support qualified institutions to apply for the establishment of joint venture public fund management companies in Hainan according to law, and support qualified overseas financial institutions to wholly own or hold shares in futures companies in Hainan. For private equity investment funds investing in key areas such as seed industry and modern agriculture, a green channel for registration and filing will be provided.

四、擴大海南金融業對外開放

IV. Expanding the opening up of Hainan's financial industry

(十六)擴大銀行業對外開放。鼓勵境外金融機構落戶海南，支持設立中外合資銀行。支持海南的銀行引進符合條件的境外戰略投資者，改善股權結構，完善公司治理，進一步提高海南的銀行業對外開放程度。

(16) Expand the opening up of the banking industry. Encourage overseas financial institutions to settle in Hainan and support the establishment of Sino-foreign joint venture banks. Support Hainan's banks to introduce qualified overseas strategic investors, improve the equity structure, improve corporate governance, and further increase the degree of openness of Hainan's banking industry to the outside world.

(十七) 擴大保險業對外開放。就海南與港澳地區保險市場深度合作加強研究。借鑒國際經驗和通行做法，探索制定適合再保險離岸業務的償付能力監管政策。

(17) Expand the opening up of the insurance industry. Strengthen research on the in-depth cooperation between Hainan and Hong Kong and Macau in the insurance market. Learn from international experience and common practices, explore and formulate solvency regulatory policies suitable for offshore reinsurance business.

(十八)設立銀行業準入事項快速通道，建立準入事項限時辦結制度，提高審批效率。

(18) Set up a fast track for access-related matters in the banking industry, establish a time-limited settlement system for access matters, and improve the efficiency of examination and approval.

(十九)落實外商投資的國民待遇要求，支持符合條件的外資機構在海南依法合規獲取支付業務許可證。

(19) Implement national treatment requirements for foreign investment, and support qualified foreign-funded institutions to obtain payment business licenses in Hainan in accordance with laws and regulations.

 (二十)允許已取得離岸銀行業務資格的中資商業銀行總行授權海南自由貿易港內分行開展離岸銀行業務。

(20) Allow the head offices of Chinese-funded commercial banks that have obtained offshore banking qualifications to authorize branches in Hainan Free Trade Port to provide offshore banking services.

五、加強金融產品和服務創新

V. Strengthen financial product and service innovation

(二十一)鼓勵創新面向國際市場的人民幣金融產品及業務，擴大境外人民幣投資海南金融產品的范圍。在依法合規前提下，允許海南市場主體在境外發行人民幣計價的債券等產品引入境外人民幣資金，重點支持高新技術、醫療健康、旅游會展、交通運輸等產業發展。

(21) Encourage the innovation of RMB financial products and businesses oriented for the international market, and expand the scope of overseas RMB investment in Hainan's financial products. Under the premise of compliance with laws and regulations, Hainan market entities are allowed to issue RMB-denominated bonds and other products abroad to introduce overseas RMB funds, focusing on supporting the development of high-tech, medical and health, tourism, exhibition, and transportation industries.

(二十二)穩步擴大跨境資產轉讓范圍。在宏觀審慎管理框架下，按照風險可控和規模可調節原則，在海南自由貿易港內試點擴大可跨境轉出的信貸資產范圍和參與機構范圍。

(22) Steadily expand the scope of cross-border asset transfer. Under the framework of macro-prudential management, in accordance with the principles of controllable risks and adjustable scale, pilot projects in the Hainan Free Trade Port will be operated to expand the scope of credit assets that can be transferred out across borders and the scope of participating institutions.

(二十三)支持海南探索推進農墾國有農用地使用權抵押擔保試點，推動完善確權登記發證、抵押擔保登記、土地流轉平臺建設、抵押物價值評估等配套措施。

 (23) Support Hainan to explore and promote the pilot program of mortgage guarantee for the right to use state-owned agricultural land for land reclamation, and promote the improvement of registration and certification of confirmed rights, mortgage guarantee registration, land circulation platform construction, mortgage value evaluation and other supporting measures.

(二十四)創新發展保險業務。支持符合條件的保險機構在海南設立保險資產管理公司，并在賬戶獨立、風險隔離的前提下，向境外發行人民幣計價的資產管理產品。支持海南保險機構開展境外投資業務。鼓勵保險機構加強創新，圍繞環境、農業、旅游、健康、養老等領域，研發適應海南需求的特色保險產品。

(24) Develop insurance business in innovative forms. Support qualified insurance institutions to set up insurance asset management companies in Hainan and issue RMB-denominated asset management products overseas under the premise of using separate accounts and withholding risks. Support Hainan insurance institutions to carry out overseas investment business. Encourage insurance institutions to strengthen innovation and develop special insurance products that meet the needs of Hainan in areas such as environment, agriculture, tourism, health, and aged care.

(二十五)發展綠色金融。鼓勵綠色金融創新業務在海南先行先試，支持國家生態文明試驗區建設。加大對生態環境保護，特別是應對氣候變化的投融資支持力度。

(25) Develop green finance. Encourage  pilot programs on innovative green finance businesses in Hainan, and support the construction of the national pilot zone for ecological conservation. Increase investment and financing support for ecological and environmental protection, especially the response to climate change.  

 (二十六)支持科技金融發展，推動發展海洋科技。在依法合規、風險可控前提下，鼓勵海南法人銀行加強與創投機構合作，探索科技金融新模式，支持海南加強深?？萍紕撔?。創新科技金融政策、產品和工具。

(26) Support the development of technology-oriented finance and promote the development of marine science and technology. Under the premise of compliance with laws and regulations and controllable risks, Hainan's legal person banks are encouraged to strengthen cooperation with venture capital institutions, explore new models of technology-oriented finance, and support Hainan to strengthen deep-sea technology innovation. Foster innovaton on technology-oriented financial policies, products and tools.

 (二十七)在依法合規、風險可控前提下加強金融科技創新應用。支持海南自由貿易港在金融管理部門統籌下開展金融科技創新業務試點，穩妥推進科技與金融業務深度融合。

(27) Strengthen the innovative application of financial technology on law-based and risk-preventing basis. Support the Hainan Free Trade Port to carry out pilot programs on financial technology innovation businesses under the coordination of financial management authorities, and steadily promote the in-depth integration of technology and financial services.

六、提升金融服務水平

VI. Upgrade the level of financial services.

(二十八)支持在海南探索開展本外幣合一銀行賬戶體系試點。

(28) Support the exploration and development of a pilot bank account system combining domestic and foreign currency businesses in Hainan.

 (二十九)支持商業銀行、中國銀聯聯合產業各方推進開展小微企業卡、鄉村振興卡等業務，聚焦金融服務小微企業、服務“三農”產業的支付結算、融資增信、企業增值服務體系等環節，滿足小微企業和“三農”產業互聯網化、移動化支付結算需求。

(29) Support commercial banks, China UnionPay and all parties in the industry to promote the development of small and micro enterprise cards, rural revitalization cards and other businesses, focusing on financial services provided to small and micro enterprises, for the payment and settlement, financing and credit increase, and enterprise value-added service system related to "three rural issues"-related industries in order to meet the needs for internet and mobile payment and settlement from small and micro enterprises and "three rural issues"-related industries.

(三十)提升跨境移動支付便利化水平。便利境外居民在海南使用移動電子支付工具。支持境內移動支付機構在境外開展業務，逐步擴大其通過人民幣跨境支付系統(CIPS)境外參與機構進行跨境移動支付的地區范圍。

(30) Improve the facilitation level of cross-border mobile payment. Facilitate the use of mobile electronic payment tools by overseas residents in Hainan. Support domestic mobile payment institutions to operate business overseas, and gradually expand their regional coverage of cross-border mobile payments through overseas participating institutions of the RMB Cross-Border Inter-bank Payment System (CIPS).

(三十一)持續推進海南中小微企業信用體系建設，支持構建小微企業綜合金融服務平臺，并與全國“信易貸”平臺互聯互通，做好中小微企業信用信息歸集與應用，更高效地對接金融服務。深入推進海南農村信用體系建設，擴展農村地區信用信息覆蓋廣度，強化信用信息服務，有效對接普惠金融、鄉村振興戰略，支持實體經濟和海南特色產業發展。支持海南引進有市場影響力的信用評級機構。建立健全信用信息共享機制，支持海南地方社會信用體系建設。

(31) Continue to promote the establishment of a credit system for small, medium and micro enterprises in Hainan, support the construction of a comprehensive financial service platform for small and micro enterprises, and interconnect with the national "Xinyidai"(CreditChina) platform, and do a good job in the collection and application of credit information of small and micro enterprises, and dock with financial services in a more efficient way. Further promote the building of Hainan's rural credit system, expand credit information coverage in rural areas, strengthen credit information services, effectively connect with inclusive finance and rural revitalization strategies, and support the development of the real economy and Hainan's special industries. Support Hainan to introduce credit rating agencies with market influence. Establish a sound credit information sharing mechanism to support the building of a local social credit system in Hainan.

(三十二)支持海南加快發展航運金融、船舶融資租賃等現代服務業。

(32) Support Hainan to accelerate the development of modern service industries such as shipping finance and ship finance leasing.

(三十三)支持文化、體育、旅游業發展。強化文化、體育和旅游領域金融服務。建立文化、體育和旅游企業信用大數據平臺，破解文化、體育和旅游企業信用不充分、與金融機構之間信息不對稱的融資瓶頸。推廣文化、體育和旅游產業專項債券，優化文化、體育和旅游產業融資結構，逐步降低融資成本。建設區域文化和旅游金融服務平臺，完善產業金融服務體系。針對郵輪游艇等海南國際旅游島特色產業，重點支持郵輪游艇產業集聚園區和相關公共服務配套設施建設。

(33) Support the development of culture, sports, and tourism. Strengthen financial services in the fields of culture, sports and tourism. Establish a big data credit information platform for cultural, sports, and tourism enterprises to solve the financing bottleneck caused by insufficient credit information of these enterprises and information asymmetry with financial institutions. Promote special bonds for the culture, sports and tourism industries, optimize the financing structure of these industries, and gradually reduce financing costs. Build a regional cultural and tourism financial service platform, and improve the industrial financial service system. Aiming at the special industries of the Hainan International Tourism Island such as cruise and yachting, emphasis shall be put on supporting the construction of industry cluster parks and related public service as well as supporting facilities for cruise and yachting.

(三十四)在房地產長效機制框架下，支持海南在住房租賃領域發展房地產投資信托基金(REITs)，鼓勵銀行業金融機構創新金融產品和服務，支持住房租賃市場規范發展。

(34) Under the framework of the long-term real estate mechanism, support Hainan in the development of real estate investment trusts (REITs) in the housing leasing sector, encourage financial institutions in the banking sector to innovate financial products and services, and support the standardized development of the housing leasing market.

七、加強金融監管，防范化解金融風險

VII. Strengthen financial supervision to prevent and defuse financial risks

(三十五)構建金融宏觀審慎管理體系，加強對重大風險的識別和對系統性金融風險的防范。依托資金流信息監測管理系統，建立健全資金流動監測和風險防控體系。完善反洗錢、反恐怖融資和反逃稅制度體系和工作機制，研究建立洗錢風險評估機制，定期評估洗錢和恐怖融資風險。構建適應海南自由貿易港建設的金融監管協調機制，有效履行屬地金融監管職責，確保風險防控能力與金融改革創新相適應。

(35) Build a financial macro-prudential management system to strengthen the identification of major risks and the prevention of systemic financial risks. Rely on the capital flow information monitoring and management system, establish and improve the sound capital flow monitoring and risk prevention and control system. Improve the anti-money laundering, anti-terrorist financing and anti-tax evasion systems and working mechanisms, study the establishment of a money laundering risk assessment mechanism, and regularly assess the risks of money laundering and terrorist financing. Establish a financial supervision and coordination mechanism suitable for the construction of Hainan Free Trade Port, effectively perform territorial financial supervision responsibilities, and ensure that risk prevention and control capabilities are compatible with financial reforms and innovations.

(三十六)支持海南設立金融與破產專業審判機構，集中審理海南金融與破產案件，提升金融與破產案件專業化審理水平，為當事人提供更加優質高效的司法保障。

(36) Support Hainan to build a professional financial and bankruptcy trial institution to focus on the trial of Hainan’s financial and bankruptcy cases, improve the level of professionalism in trials of financial and bankruptcy cases, and provide parties involved with more high-quality and efficient judicial guarantee.

(三十七)加強金融消費者權益保護。支持海南銀行、證券、保險領域消費糾紛調解組織充分發揮作用，建立公正、高效、便民的金融糾紛非訴第三方解決機制。加強與當地人民法院和司法行政部門的溝通合作，落實銀行、證券、保險領域矛盾糾紛訴調對接機制，發揮金融行業調解組織專業化優勢，探索建立金融行業糾紛調解協議司法確認制度。開展集中性金融知識普及活動,在海南建立金融知識普及教育示范基地。進一步發揮證券期貨投資者教育基地作用。

(37) Strengthen the protection of the rights and interests of consumers of financial services. Support Hainan's consumer dispute mediation organizations in the banking, securities, and insurance sectors to give full play to their role and establish a fair, efficient, and convenient non-litigation third-party settlement mechanism for financial disputes. Strengthen communication and cooperation with local people’s courts and judicial administrative departments, implement a mechanism for reconciliation of conflicts and disputes in the banking, securities, and insurance fields, give full play to the professional advantages of mediation organizations in the financial industry, and explore the establishment of a judicial confirmation system for financial industry dispute mediation agreements. Carry out popularization activities of financial knowledge on a centralized basis, and establish a education demonstration base for financial knowledge popularization in Hainan. Give further play to the role of the education base for securities and futures investors.

中國人民銀行

中國銀行保險監督管理委員會

中國證券監督管理委員會

國家外匯管理局

2021年3月30日

People's Bank of China

China Banking Regulatory Commission

China Securities Regulatory Commission

State Administration of Foreign Exchange

March 30, 2021

來源：海南國際經濟發展局