2022年是黨(dang)和(he)國(guo)(guo)家歷史上極為(wei)重(zhong)要的(de)一年。黨(dang)的(de)二十大(da)勝利召開，描繪(hui)了全(quan)面(mian)建設社(she)會(hui)(hui)(hui)主義現代(dai)化(hua)國(guo)(guo)家的(de)宏(hong)偉藍圖(tu)。面(mian)對風高浪(lang)急(ji)的(de)國(guo)(guo)際環境(jing)和(he)艱巨(ju)繁重(zhong)的(de)國(guo)(guo)內(nei)改革(ge)發展穩(wen)(wen)定任務(wu)，在以習近平同志為(wei)核心的(de)黨(dang)中(zhong)央堅(jian)(jian)強領導(dao)下(xia)，各地區全(quan)面(mian)貫徹(che)落實黨(dang)的(de)二十大(da)精神和(he)黨(dang)中(zhong)央、國(guo)(guo)務(wu)院(yuan)決策(ce)部署(shu)，按照“疫(yi)情(qing)要防住、經濟要穩(wen)(wen)住、發展要安(an)全(quan)”的(de)要求，堅(jian)(jian)持(chi)穩(wen)(wen)字當頭、穩(wen)(wen)中(zhong)求進，統籌疫(yi)情(qing)防控和(he)經濟社(she)會(hui)(hui)(hui)發展，應對超預期因素沖擊，發展質量穩(wen)(wen)步提升(sheng)、就業物價基本平穩(wen)(wen)、經濟社(she)會(hui)(hui)(hui)大(da)局保持(chi)穩(wen)(wen)定。中(zhong)國(guo)(guo)人民銀(yin)行堅(jian)(jian)持(chi)以習近平新時代(dai)中(zhong)國(guo)(guo)特色社(she)會(hui)(hui)(hui)主義思(si)想(xiang)為(wei)指導(dao)，堅(jian)(jian)決貫徹(che)落實黨(dang)中(zhong)央、國(guo)(guo)務(wu)院(yuan)決策(ce)部署(shu)，主動作為(wei)、靠前(qian)發力，加大(da)穩(wen)(wen)健貨幣(bi)政策(ce)實施力度，保持(chi)貨幣(bi)信貸(dai)合理增長，發揮結(jie)構性貨幣(bi)政策(ce)工具(ju)精準導(dao)向作用，鞏固實際貸(dai)款利率(lv)下(xia)降成果(guo)，兼顧內(nei)外均衡，防范(fan)化(hua)解(jie)金融風險，為(wei)穩(wen)(wen)住宏(hong)觀經濟大(da)盤和(he)高質量發展提供有力支持(chi)。

2022年，在穩(wen)(wen)(wen)經(jing)(jing)濟(ji)(ji)一(yi)攬子政策和(he)接續(xu)措施推動下，國民經(jing)(jing)濟(ji)(ji)企穩(wen)(wen)(wen)回升(sheng)(sheng)，國內生產總值(zhi)同比增長(chang)3.0%，東(dong)(dong)部(bu)(bu)(bu)(bu)、中(zhong)(zhong)部(bu)(bu)(bu)(bu)、西(xi)部(bu)(bu)(bu)(bu)和(he)東(dong)(dong)北地(di)區(qu)(qu)生產總值(zhi)同比分別增長(chang)2.5%、4.0%、3.2%和(he)1.3%。東(dong)(dong)部(bu)(bu)(bu)(bu)地(di)區(qu)(qu)持(chi)(chi)續(xu)推進(jin)(jin)高(gao)質(zhi)量發(fa)(fa)展(zhan)(zhan)。新(xin)(xin)興(xing)重點領域(yu)投(tou)資(zi)力(li)(li)度加大，消費提質(zhi)升(sheng)(sheng)級，新(xin)(xin)型外貿(mao)(mao)取得突破(po)，有(you)力(li)(li)支(zhi)撐經(jing)(jing)濟(ji)(ji)大盤穩(wen)(wen)(wen)定(ding)；金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)業(ye)(ye)總體運行平(ping)穩(wen)(wen)(wen)，改革創新(xin)(xin)取得積極進(jin)(jin)展(zhan)(zhan)，服(fu)務(wu)質(zhi)效(xiao)(xiao)不(bu)斷提升(sheng)(sheng)。中(zhong)(zhong)部(bu)(bu)(bu)(bu)地(di)區(qu)(qu)加速(su)(su)經(jing)(jing)濟(ji)(ji)崛起。基(ji)礎設施投(tou)資(zi)增速(su)(su)全(quan)面回升(sheng)(sheng)，消費市場穩(wen)(wen)(wen)步(bu)(bu)恢復，外貿(mao)(mao)較快增長(chang)，高(gao)技術(shu)產業(ye)(ye)發(fa)(fa)展(zhan)(zhan)成效(xiao)(xiao)顯著，經(jing)(jing)濟(ji)(ji)增長(chang)趨勢向(xiang)好(hao)；金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)不(bu)斷深化，重點領域(yu)支(zhi)持(chi)(chi)有(you)力(li)(li)。西(xi)部(bu)(bu)(bu)(bu)地(di)區(qu)(qu)大開發(fa)(fa)成效(xiao)(xiao)顯著。新(xin)(xin)技術(shu)新(xin)(xin)能源領域(yu)投(tou)資(zi)快速(su)(su)增長(chang)，升(sheng)(sheng)級類消費需求(qiu)持(chi)(chi)續(xu)釋放，綠色低碳(tan)發(fa)(fa)展(zhan)(zhan)質(zhi)效(xiao)(xiao)提升(sheng)(sheng)，經(jing)(jing)濟(ji)(ji)向(xiang)高(gao)質(zhi)量發(fa)(fa)展(zhan)(zhan)穩(wen)(wen)(wen)步(bu)(bu)邁進(jin)(jin)；金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)改革穩(wen)(wen)(wen)步(bu)(bu)推進(jin)(jin)，綠色金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)快速(su)(su)發(fa)(fa)展(zhan)(zhan)，農(nong)村金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)水平(ping)持(chi)(chi)續(xu)提高(gao)。東(dong)(dong)北地(di)區(qu)(qu)加快全(quan)面振興(xing)。農(nong)業(ye)(ye)發(fa)(fa)展(zhan)(zhan)穩(wen)(wen)(wen)中(zhong)(zhong)有(you)進(jin)(jin)，國家糧食(shi)安全(quan)“壓(ya)艙石(shi)”地(di)位鞏固，工業(ye)(ye)經(jing)(jing)濟(ji)(ji)穩(wen)(wen)(wen)步(bu)(bu)回升(sheng)(sheng)，產業(ye)(ye)結構(gou)進(jin)(jin)一(yi)步(bu)(bu)優(you)化，民生支(zhi)出保障有(you)力(li)(li)，生態環境持(chi)(chi)續(xu)改善；金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)服(fu)務(wu)實體經(jing)(jing)濟(ji)(ji)力(li)(li)度進(jin)(jin)一(yi)步(bu)(bu)加大，金(jin)(jin)(jin)融(rong)(rong)(rong)(rong)機構(gou)經(jing)(jing)營穩(wen)(wen)(wen)健性提升(sheng)(sheng)。

2022年，區(qu)(qu)(qu)(qu)域經(jing)(jing)濟(ji)金(jin)(jin)融運行(xing)(xing)(xing)主要呈現以下(xia)特(te)點：一(yi)(yi)是(shi)(shi)(shi)區(qu)(qu)(qu)(qu)域發(fa)(fa)展(zhan)平衡性(xing)(xing)協調性(xing)(xing)增(zeng)(zeng)(zeng)(zeng)(zeng)強，空間發(fa)(fa)展(zhan)格局(ju)不(bu)斷(duan)優化(hua)(hua)(hua)(hua)。中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)潛力(li)(li)持(chi)(chi)(chi)續(xu)釋放，經(jing)(jing)濟(ji)增(zeng)(zeng)(zeng)(zeng)(zeng)速(su)總(zong)(zong)(zong)體(ti)高(gao)(gao)(gao)于東(dong)(dong)(dong)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)。核心區(qu)(qu)(qu)(qu)域帶(dai)動(dong)作用(yong)增(zeng)(zeng)(zeng)(zeng)(zeng)強，京津冀、長(chang)(chang)(chang)(chang)(chang)(chang)(chang)江經(jing)(jing)濟(ji)帶(dai)、長(chang)(chang)(chang)(chang)(chang)(chang)(chang)江三角(jiao)洲地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)生(sheng)(sheng)(sheng)產(chan)(chan)總(zong)(zong)(zong)值(zhi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)2.0%、3.0%、2.5%；粵港澳大(da)灣區(qu)(qu)(qu)(qu)建(jian)(jian)設(she)不(bu)斷(duan)深化(hua)(hua)(hua)(hua)，三地(di)(di)(di)(di)(di)規(gui)則(ze)銜接(jie)、機(ji)制(zhi)對接(jie)取(qu)得新(xin)(xin)(xin)進(jin)(jin)展(zhan)；黃河流域生(sheng)(sheng)(sheng)態(tai)保(bao)護和(he)(he)高(gao)(gao)(gao)質(zhi)量發(fa)(fa)展(zhan)扎(zha)實(shi)(shi)(shi)推進(jin)(jin)，生(sheng)(sheng)(sheng)態(tai)環境(jing)進(jin)(jin)一(yi)(yi)步改善。二(er)是(shi)(shi)(shi)內(nei)需規(gui)模擴大(da)，外(wai)需穩(wen)(wen)(wen)定(ding)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)。固定(ding)資(zi)(zi)(zi)產(chan)(chan)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)結(jie)構(gou)(gou)不(bu)斷(duan)優化(hua)(hua)(hua)(hua)，東(dong)(dong)(dong)部(bu)、中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)和(he)(he)東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)3.6%、8.9%、4.7%和(he)(he)1.2%；制(zhi)造業(ye)(ye)(ye)(ye)(ye)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)9.1%，西(xi)(xi)(xi)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)21.5%；基礎設(she)施(shi)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)9.4%，東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)20.2%；高(gao)(gao)(gao)技術(shu)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)投(tou)(tou)(tou)(tou)資(zi)(zi)(zi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)18.9%。新(xin)(xin)(xin)型消(xiao)費(fei)(fei)(fei)保(bao)持(chi)(chi)(chi)較(jiao)好(hao)發(fa)(fa)展(zhan)態(tai)勢(shi)，新(xin)(xin)(xin)能(neng)源(yuan)汽車(che)銷量增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)93.4%，實(shi)(shi)(shi)物(wu)(wu)商品網上零(ling)售(shou)額占社會消(xiao)費(fei)(fei)(fei)品零(ling)售(shou)總(zong)(zong)(zong)額比(bi)(bi)(bi)(bi)重超四分(fen)(fen)之一(yi)(yi)。進(jin)(jin)出口(kou)穩(wen)(wen)(wen)中(zhong)(zhong)(zhong)(zhong)(zhong)提質(zhi)，東(dong)(dong)(dong)部(bu)、中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)和(he)(he)東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)貨(huo)(huo)物(wu)(wu)進(jin)(jin)出口(kou)總(zong)(zong)(zong)額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)7.4%、14.3%、10.2%和(he)(he)9.3%；利(li)用(yong)外(wai)資(zi)(zi)(zi)穩(wen)(wen)(wen)中(zhong)(zhong)(zhong)(zhong)(zhong)有(you)進(jin)(jin)，高(gao)(gao)(gao)技術(shu)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)實(shi)(shi)(shi)際使用(yong)外(wai)資(zi)(zi)(zi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)28.3%。物(wu)(wu)價保(bao)持(chi)(chi)(chi)平穩(wen)(wen)(wen)運行(xing)(xing)(xing)，按算(suan)術(shu)平均計算(suan)，東(dong)(dong)(dong)部(bu)、中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)和(he)(he)東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)居民消(xiao)費(fei)(fei)(fei)價格指數(shu)（CPI）同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)上漲(zhang)2.0%、1.9%、1.9%和(he)(he)2.0%。三是(shi)(shi)(shi)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)結(jie)構(gou)(gou)進(jin)(jin)一(yi)(yi)步優化(hua)(hua)(hua)(hua)，經(jing)(jing)濟(ji)發(fa)(fa)展(zhan)新(xin)(xin)(xin)動(dong)能(neng)加(jia)(jia)(jia)快(kuai)成長(chang)(chang)(chang)(chang)(chang)(chang)(chang)。東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)第(di)一(yi)(yi)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)占所在地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)生(sheng)(sheng)(sheng)產(chan)(chan)總(zong)(zong)(zong)值(zhi)比(bi)(bi)(bi)(bi)重13.6%，西(xi)(xi)(xi)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)第(di)二(er)產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)比(bi)(bi)(bi)(bi)重較(jiao)上年提升(sheng)1.3個(ge)百分(fen)(fen)點，中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)第(di)三產(chan)(chan)業(ye)(ye)(ye)(ye)(ye)增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)值(zhi)增(zeng)(zeng)(zeng)(zeng)(zeng)速(su)最(zui)快(kuai)，為2.8%。全(quan)年新(xin)(xin)(xin)能(neng)源(yuan)汽車(che)產(chan)(chan)量同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)90.5%，信息(xi)傳輸(shu)、軟件和(he)(he)信息(xi)技術(shu)服務業(ye)(ye)(ye)(ye)(ye)增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)值(zhi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)9.1%，高(gao)(gao)(gao)技術(shu)制(zhi)造業(ye)(ye)(ye)(ye)(ye)、裝(zhuang)備制(zhi)造業(ye)(ye)(ye)(ye)(ye)增(zeng)(zeng)(zeng)(zeng)(zeng)加(jia)(jia)(jia)值(zhi)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)7.4%、5.6%。全(quan)社會研究與(yu)試驗發(fa)(fa)展(zhan)經(jing)(jing)費(fei)(fei)(fei)投(tou)(tou)(tou)(tou)入同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)10.4%。四是(shi)(shi)(shi)民生(sheng)(sheng)(sheng)支(zhi)出保(bao)障有(you)力(li)(li)，就業(ye)(ye)(ye)(ye)(ye)局(ju)勢(shi)保(bao)持(chi)(chi)(chi)總(zong)(zong)(zong)體(ti)穩(wen)(wen)(wen)定(ding)。2022年新(xin)(xin)(xin)增(zeng)(zeng)(zeng)(zeng)(zeng)減稅降(jiang)費(fei)(fei)(fei)及退稅緩稅緩費(fei)(fei)(fei)超4.2萬(wan)億(yi)元(yuan)(yuan)。全(quan)國(guo)城鎮新(xin)(xin)(xin)增(zeng)(zeng)(zeng)(zeng)(zeng)就業(ye)(ye)(ye)(ye)(ye)1206萬(wan)人(ren)，脫貧人(ren)口(kou)務工規(gui)模3278萬(wan)人(ren)。五是(shi)(shi)(shi)貨(huo)(huo)幣(bi)信貸(dai)(dai)合理增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)，信貸(dai)(dai)結(jie)構(gou)(gou)持(chi)(chi)(chi)續(xu)優化(hua)(hua)(hua)(hua)。2022年，全(quan)國(guo)社會融資(zi)(zi)(zi)規(gui)模增(zeng)(zeng)(zeng)(zeng)(zeng)量比(bi)(bi)(bi)(bi)上年多增(zeng)(zeng)(zeng)(zeng)(zeng)6689億(yi)元(yuan)(yuan)，年末本外(wai)幣(bi)各(ge)項貸(dai)(dai)款(kuan)(kuan)余額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)10.4%，有(you)力(li)(li)支(zhi)持(chi)(chi)(chi)宏觀經(jing)(jing)濟(ji)運行(xing)(xing)(xing)在合理區(qu)(qu)(qu)(qu)間。基礎設(she)施(shi)中(zhong)(zhong)(zhong)(zhong)(zhong)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)期(qi)貸(dai)(dai)款(kuan)(kuan)余額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)13.0%，涉農(nong)貸(dai)(dai)款(kuan)(kuan)余額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)14.0%，綠色(se)貸(dai)(dai)款(kuan)(kuan)、制(zhi)造業(ye)(ye)(ye)(ye)(ye)中(zhong)(zhong)(zhong)(zhong)(zhong)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)期(qi)貸(dai)(dai)款(kuan)(kuan)余額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)超過(guo)30%，普惠(hui)小微(wei)貸(dai)(dai)款(kuan)(kuan)、科技型中(zhong)(zhong)(zhong)(zhong)(zhong)小企(qi)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)款(kuan)(kuan)和(he)(he)“專(zhuan)精特(te)新(xin)(xin)(xin)”企(qi)業(ye)(ye)(ye)(ye)(ye)貸(dai)(dai)款(kuan)(kuan)余額同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)增(zeng)(zeng)(zeng)(zeng)(zeng)長(chang)(chang)(chang)(chang)(chang)(chang)(chang)超過(guo)20%。六是(shi)(shi)(shi)利(li)率(lv)(lv)市(shi)(shi)場化(hua)(hua)(hua)(hua)改革持(chi)(chi)(chi)續(xu)深化(hua)(hua)(hua)(hua)，融資(zi)(zi)(zi)成本持(chi)(chi)(chi)續(xu)下(xia)降(jiang)。建(jian)(jian)立存款(kuan)(kuan)利(li)率(lv)(lv)市(shi)(shi)場化(hua)(hua)(hua)(hua)調整機(ji)制(zhi)，穩(wen)(wen)(wen)定(ding)銀行(xing)(xing)(xing)負債成本。持(chi)(chi)(chi)續(xu)釋放貸(dai)(dai)款(kuan)(kuan)市(shi)(shi)場報價利(li)率(lv)(lv)（LPR）改革效能(neng)，鞏固實(shi)(shi)(shi)際貸(dai)(dai)款(kuan)(kuan)利(li)率(lv)(lv)下(xia)降(jiang)成果。2022年12月，東(dong)(dong)(dong)部(bu)、中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)和(he)(he)東(dong)(dong)(dong)北(bei)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)一(yi)(yi)般貸(dai)(dai)款(kuan)(kuan)加(jia)(jia)(jia)權平均利(li)率(lv)(lv)同(tong)(tong)(tong)(tong)(tong)比(bi)(bi)(bi)(bi)分(fen)(fen)別(bie)(bie)(bie)下(xia)降(jiang)0.56個(ge)、0.61個(ge)、0.54個(ge)和(he)(he)0.76個(ge)百分(fen)(fen)點。七是(shi)(shi)(shi)金(jin)(jin)融風(feng)險(xian)(xian)(xian)(xian)整體(ti)收(shou)斂，銀行(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)融機(ji)構(gou)(gou)整體(ti)經(jing)(jing)營穩(wen)(wen)(wen)健(jian)。堅持(chi)(chi)(chi)市(shi)(shi)場化(hua)(hua)(hua)(hua)、法(fa)治化(hua)(hua)(hua)(hua)處(chu)置(zhi)風(feng)險(xian)(xian)(xian)(xian)，重點集團(tuan)、大(da)型企(qi)業(ye)(ye)(ye)(ye)(ye)風(feng)險(xian)(xian)(xian)(xian)處(chu)置(zhi)穩(wen)(wen)(wen)妥推進(jin)(jin)，支(zhi)持(chi)(chi)(chi)風(feng)險(xian)(xian)(xian)(xian)較(jiao)大(da)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)中(zhong)(zhong)(zhong)(zhong)(zhong)小銀行(xing)(xing)(xing)風(feng)險(xian)(xian)(xian)(xian)處(chu)置(zhi)取(qu)得積極進(jin)(jin)展(zhan)。中(zhong)(zhong)(zhong)(zhong)(zhong)部(bu)、西(xi)(xi)(xi)部(bu)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)銀行(xing)(xing)(xing)業(ye)(ye)(ye)(ye)(ye)金(jin)(jin)融機(ji)構(gou)(gou)不(bu)良貸(dai)(dai)款(kuan)(kuan)率(lv)(lv)比(bi)(bi)(bi)(bi)上年末分(fen)(fen)別(bie)(bie)(bie)下(xia)降(jiang)0.21個(ge)、0.13個(ge)百分(fen)(fen)點。八(ba)是(shi)(shi)(shi)金(jin)(jin)融對外(wai)開放穩(wen)(wen)(wen)步推進(jin)(jin)，跨(kua)(kua)境(jing)投(tou)(tou)(tou)(tou)融資(zi)(zi)(zi)便利(li)化(hua)(hua)(hua)(hua)取(qu)得新(xin)(xin)(xin)進(jin)(jin)展(zhan)。香港與(yu)內(nei)地(di)(di)(di)(di)(di)利(li)率(lv)(lv)互(hu)換市(shi)(shi)場互(hu)聯互(hu)通(tong)合作（互(hu)換通(tong)）啟動(dong)建(jian)(jian)設(she)，高(gao)(gao)(gao)新(xin)(xin)(xin)技術(shu)和(he)(he)“專(zhuan)精特(te)新(xin)(xin)(xin)”企(qi)業(ye)(ye)(ye)(ye)(ye)跨(kua)(kua)境(jing)融資(zi)(zi)(zi)便利(li)化(hua)(hua)(hua)(hua)試點擴大(da)，多地(di)(di)(di)(di)(di)開展(zhan)第(di)二(er)批(pi)跨(kua)(kua)國(guo)公司本外(wai)幣(bi)一(yi)(yi)體(ti)化(hua)(hua)(hua)(hua)資(zi)(zi)(zi)金(jin)(jin)池(chi)試點。各(ge)地(di)(di)(di)(di)(di)區(qu)(qu)(qu)(qu)跨(kua)(kua)境(jing)投(tou)(tou)(tou)(tou)融資(zi)(zi)(zi)便利(li)化(hua)(hua)(hua)(hua)取(qu)得新(xin)(xin)(xin)進(jin)(jin)展(zhan)，跨(kua)(kua)境(jing)人(ren)民幣(bi)服務實(shi)(shi)(shi)體(ti)經(jing)(jing)濟(ji)能(neng)力(li)(li)持(chi)(chi)(chi)續(xu)提升(sheng)。

當前國(guo)(guo)際經(jing)(jing)濟(ji)增長(chang)放(fang)緩，通脹(zhang)仍處(chu)高(gao)位，地緣政(zheng)治(zhi)沖突(tu)持續(xu)，發(fa)(fa)(fa)(fa)達國(guo)(guo)家央行(xing)政(zheng)策(ce)緊縮效應顯現(xian)(xian)，國(guo)(guo)際金(jin)融(rong)市場波(bo)動加劇。國(guo)(guo)內(nei)經(jing)(jing)濟(ji)運行(xing)面(mian)(mian)臨新(xin)的(de)(de)困難(nan)挑戰(zhan)(zhan)(zhan)，主要是國(guo)(guo)內(nei)需(xu)求不(bu)足，一(yi)(yi)些企(qi)業經(jing)(jing)營困難(nan)，重點(dian)領域(yu)風險隱(yin)(yin)患較多，但(dan)我國(guo)(guo)經(jing)(jing)濟(ji)具有(you)巨(ju)大(da)(da)的(de)(de)韌性(xing)和潛力(li)，長(chang)期向好(hao)的(de)(de)基本(ben)面(mian)(mian)沒(mei)有(you)改變。2023年是全面(mian)(mian)貫(guan)徹黨的(de)(de)二十大(da)(da)精神的(de)(de)開(kai)局(ju)(ju)之年，全國(guo)(guo)各地區(qu)將在以習近平同志為核心的(de)(de)黨中(zhong)央堅強領導下，堅持穩中(zhong)求進(jin)(jin)工作總基調，牢(lao)牢(lao)把握高(gao)質(zhi)量(liang)發(fa)(fa)(fa)(fa)展(zhan)(zhan)首(shou)要任務，扎實推(tui)進(jin)(jin)中(zhong)國(guo)(guo)式現(xian)(xian)代化(hua)(hua)，完整、準(zhun)確(que)、全面(mian)(mian)貫(guan)徹新(xin)發(fa)(fa)(fa)(fa)展(zhan)(zhan)理念，加快構建(jian)新(xin)發(fa)(fa)(fa)(fa)展(zhan)(zhan)格(ge)局(ju)(ju)，全面(mian)(mian)深(shen)化(hua)(hua)改革開(kai)放(fang)，加大(da)(da)宏觀政(zheng)策(ce)調控(kong)力(li)度(du)，把實施擴大(da)(da)內(nei)需(xu)戰(zhan)(zhan)(zhan)略同深(shen)化(hua)(hua)供給側結構性(xing)改革有(you)機結合(he)起來，進(jin)(jin)一(yi)(yi)步(bu)加強部門間(jian)政(zheng)策(ce)協(xie)調，不(bu)斷推(tui)動經(jing)(jing)濟(ji)運行(xing)持續(xu)好(hao)轉、內(nei)生(sheng)(sheng)動力(li)持續(xu)增強、社會預期持續(xu)改善、風險隱(yin)(yin)患持續(xu)化(hua)(hua)解。要深(shen)入實施區(qu)域(yu)協(xie)調發(fa)(fa)(fa)(fa)展(zhan)(zhan)戰(zhan)(zhan)(zhan)略、區(qu)域(yu)重大(da)(da)戰(zhan)(zhan)(zhan)略、主體(ti)功能區(qu)戰(zhan)(zhan)(zhan)略、新(xin)型城鎮(zhen)化(hua)(hua)戰(zhan)(zhan)(zhan)略，優化(hua)(hua)重大(da)(da)生(sheng)(sheng)產(chan)力(li)布(bu)(bu)局(ju)(ju)，構建(jian)優勢互(hu)補、高(gao)質(zhi)量(liang)發(fa)(fa)(fa)(fa)展(zhan)(zhan)的(de)(de)區(qu)域(yu)經(jing)(jing)濟(ji)布(bu)(bu)局(ju)(ju)和國(guo)(guo)土空(kong)間(jian)體(ti)系。推(tui)動西部大(da)(da)開(kai)發(fa)(fa)(fa)(fa)形成新(xin)格(ge)局(ju)(ju)，支持東北全面(mian)(mian)振興取得新(xin)突(tu)破，促進(jin)(jin)中(zhong)部地區(qu)加快崛起，鼓勵東部地區(qu)加快推(tui)進(jin)(jin)現(xian)(xian)代化(hua)(hua)；推(tui)進(jin)(jin)京(jing)津冀協(xie)同發(fa)(fa)(fa)(fa)展(zhan)(zhan)、長(chang)江經(jing)(jing)濟(ji)帶(dai)發(fa)(fa)(fa)(fa)展(zhan)(zhan)、長(chang)三角一(yi)(yi)體(ti)化(hua)(hua)發(fa)(fa)(fa)(fa)展(zhan)(zhan)、粵港澳大(da)(da)灣區(qu)發(fa)(fa)(fa)(fa)展(zhan)(zhan)，推(tui)動黃河(he)流域(yu)生(sheng)(sheng)態保護和高(gao)質(zhi)量(liang)發(fa)(fa)(fa)(fa)展(zhan)(zhan)。高(gao)標準(zhun)、高(gao)質(zhi)量(liang)建(jian)設雄安新(xin)區(qu)，推(tui)動成渝地區(qu)雙城經(jing)(jing)濟(ji)圈建(jian)設。

中(zhong)國(guo)人(ren)(ren)民銀行將(jiang)堅持(chi)(chi)以習近平(ping)新(xin)時(shi)(shi)代中(zhong)國(guo)特色(se)社會(hui)主義(yi)思(si)想(xiang)為指(zhi)導(dao)，按照黨(dang)中(zhong)央(yang)、國(guo)務院決策部(bu)署，精(jing)準有力實施(shi)穩(wen)(wen)(wen)健(jian)的(de)貨幣(bi)政(zheng)(zheng)策，加大(da)逆周期調(diao)節力度，全力做好穩(wen)(wen)(wen)增長、穩(wen)(wen)(wen)就(jiu)業、穩(wen)(wen)(wen)物價(jia)工作(zuo)(zuo)(zuo)，為實體(ti)經濟提供(gong)更(geng)有力支(zhi)(zhi)持(chi)(chi)。保持(chi)(chi)流動(dong)性(xing)合理充裕(yu)，保持(chi)(chi)信貸(dai)合理增長、節奏(zou)平(ping)穩(wen)(wen)(wen)。繼續(xu)(xu)發(fa)(fa)揮好已投(tou)放的(de)政(zheng)(zheng)策性(xing)開(kai)發(fa)(fa)性(xing)金(jin)融(rong)工具資(zi)(zi)金(jin)作(zuo)(zuo)(zuo)用，增強政(zheng)(zheng)府投(tou)資(zi)(zi)和政(zheng)(zheng)策激(ji)勵的(de)引(yin)導(dao)作(zuo)(zuo)(zuo)用，有效帶動(dong)激(ji)發(fa)(fa)民間投(tou)資(zi)(zi)。關注(zhu)物價(jia)走勢(shi)邊際變(bian)化，保持(chi)(chi)物價(jia)水(shui)平(ping)基(ji)本(ben)穩(wen)(wen)(wen)定。發(fa)(fa)揮結構性(xing)貨幣(bi)政(zheng)(zheng)策工具的(de)帶動(dong)作(zuo)(zuo)(zuo)用，繼續(xu)(xu)加大(da)對普惠金(jin)融(rong)、綠色(se)發(fa)(fa)展、科技創新(xin)、基(ji)礎(chu)設施(shi)建設等國(guo)民經濟重點領域和薄弱環節的(de)支(zhi)(zhi)持(chi)(chi)，綜合施(shi)策促(cu)進區域協調(diao)發(fa)(fa)展。完(wan)善市(shi)場(chang)化利率(lv)(lv)形成(cheng)和傳導(dao)機制(zhi)，發(fa)(fa)揮政(zheng)(zheng)策利率(lv)(lv)引(yin)導(dao)作(zuo)(zuo)(zuo)用，持(chi)(chi)續(xu)(xu)釋放貸(dai)款市(shi)場(chang)報價(jia)利率(lv)(lv)改革效能和存(cun)款利率(lv)(lv)市(shi)場(chang)化調(diao)整機制(zhi)重要作(zuo)(zuo)(zuo)用，推動(dong)企業融(rong)資(zi)(zi)和居(ju)民信貸(dai)成(cheng)本(ben)穩(wen)(wen)(wen)中(zhong)有降。構建金(jin)融(rong)有效服務實體(ti)經濟的(de)體(ti)制(zhi)機制(zhi)，完(wan)善金(jin)融(rong)支(zhi)(zhi)持(chi)(chi)科技創新(xin)體(ti)系(xi)(xi)，繼續(xu)(xu)加大(da)對企業穩(wen)(wen)(wen)崗擴崗和重點群體(ti)創業就(jiu)業的(de)金(jin)融(rong)支(zhi)(zhi)持(chi)(chi)力度。適(shi)應房地產(chan)市(shi)場(chang)供(gong)求(qiu)關系(xi)(xi)發(fa)(fa)生(sheng)重大(da)變(bian)化的(de)新(xin)形勢(shi)，適(shi)時(shi)(shi)調(diao)整優化房地產(chan)政(zheng)(zheng)策，促(cu)進房地產(chan)市(shi)場(chang)平(ping)穩(wen)(wen)(wen)健(jian)康發(fa)(fa)展。兼顧(gu)好內部(bu)均(jun)衡和外部(bu)均(jun)衡，保持(chi)(chi)人(ren)(ren)民幣(bi)匯率(lv)(lv)在合理均(jun)衡水(shui)平(ping)上的(de)基(ji)本(ben)穩(wen)(wen)(wen)定，堅決防范匯率(lv)(lv)超調(diao)風(feng)險。推進金(jin)融(rong)高(gao)水(shui)平(ping)雙向開(kai)放，提高(gao)開(kai)放條件下經濟金(jin)融(rong)管理能力和防控風(feng)險能力。（中(zhong)國(guo)人(ren)(ren)民銀行公眾號）