中英双语丨海南自贸港政策：金融支持海南全面深化改革- 大数跨境

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中英双语丨海南自贸港政策：金融支持海南全面深化改革

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2021-08-05

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金融支持海南全面深化改革

Financial Support for Hainan’s

Comprehensive Deepening of

Reform and Opening-up

今年以来，国家有关部门陆续颁布一系列政策，在金融、市场准入、贸易自由化便利化以及跨境服务贸易等方面支持海南自由贸易港深化改革开放。今天为大家推送的是中国人民银行、中国银行保险监督管理委员会、中国证券监督管理委员会、国家外汇管理局等四部门于4月9日联合发布的《关于金融支持海南全面深化改革开放的意见》。

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.

↓↓具体内容如下 ↓↓

中国人民银行中国银行保险监督管理委员会中国证券监督管理委员会国家外汇管理局关于金融支持海南全面深化改革开放的意见
银发〔2021〕84号

海南省人民政府：

为深入贯彻习近平总书记在庆祝海南建省办经济特区30周年大会上的重要讲话精神，落实《中共中央国务院关于支持海南全面深化改革开放的指导意见》和《海南自由贸易港建设总体方案》相关重要战略部署，支持海南全面深化改革开放，推动建立与海南自由贸易港相适应的金融政策和制度框架，经国务院同意，现提出如下意见。

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、总体原则

I. General principles

(一)支持海南实体经济发展。坚持深化金融供给侧结构性改革，创新金融政策、产品和工具，聚焦发展旅游业、现代服务业和高新技术产业，重点支持海洋产业、医疗健康、旅游会展、交通运输、现代农业、服务外包等重点领域发展，推动建立开放型生态型服务型产业体系，促进服务业优化升级，推动经济高质量发展。

(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)服务海南自由贸易港建设。围绕建设全面深化改革开放试验区、国家生态文明试验区、国际旅游消费中心、国家重大战略服务保障区的战略定位，服务国内其他地区与海南自由贸易港资金往来和跨境贸易投资自由化便利化，分阶段、分步骤实施各项金融改革开放与创新举措，推动海南成为新时代全面深化改革开放的新标杆。

(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)以制度创新为核心深化金融改革开放。坚持对标国际的原则，深化金融改革开放。按照远近结合、循序渐进、突出重点的工作思路，在跨境资金流动自由便利、投融资汇兑便利化、金融业对外开放等方面先行先试，积极探索更加灵活的金融政策体系、监管模式、管理体制。

(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)加强金融风险防控体系建设。坚持底线思维，稳扎稳打、步步为营，完善与金融开放创新相适应的跨境资金流动风险防控体系，在确保有效监管和风险可控的前提下，稳妥有序推进各项金融开放创新举措，统筹安排好开放节奏和进度，成熟一项推进一项，牢牢守住不发生系统性金融风险的底线。

(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、提升人民币可兑换水平，支持跨境贸易投资自由化便利化

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

(五)进一步推动跨境货物贸易、服务贸易以及新型国际贸易结算便利化。根据“了解客户、了解业务、尽职审查”原则，审慎合规的海南自由贸易港银行可试点凭支付指令为优质客户办理真实合规货物贸易和服务贸易结算，实现银行真实性审核从事前审查转为事后核查。实施与跨境服务贸易配套的资金支付与转移制度。支持海南自由贸易港试点银行，在强化对客户分级管理的基础上，进一步便利真实合规新型国际贸易的跨境结算。

(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)探索适应市场需求新形态的跨境投资外汇管理。在风险可控前提下，允许海南自由贸易港内合格境外有限合伙人(QFLP)按照余额管理模式自由汇出、汇入资金，简化外汇登记手续。将海南自由贸易港纳入合格境内有限合伙人(QDLP)试点，给予海南自由贸易港QDLP试点基础额度，每年可按一定规则向其增发QDLP额度。

(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)完善全口径跨境融资宏观审慎管理政策框架。可适当提高海南自由贸易港内注册的非金融企业(不含房地产企业和地方政府融资平台)跨境融资上限，实现更高额度的跨境资金融入规模。

(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)探索开展跨境资产管理业务试点。支持境外投资者投资海南自由贸易港内金融机构发行的理财产品、证券期货经营机构私募资产管理产品、公募证券投资基金、保险资产管理产品等资产管理产品。

(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)探索放宽个人跨境交易政策。支持在海南自由贸易港内就业的境外个人开展包括证券投资在内的各类境内投资。允许符合条件的非居民按实需原则在海南自由贸易港内购买房地产，对符合条件的非居民购房给予汇兑便利。研究进一步便利海南居民个人用汇。

(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)在海南开展本外币合一跨境资金池业务试点。支持符合条件的跨国企业集团在境内外成员之间集中开展本外币资金余缺调剂和归集业务，专户内资金按实需兑换，对跨境资金流动实行双向宏观审慎管理。

(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)支持符合资格的非银行金融机构开展结售汇业务试点。符合资格的非银行金融机构满足一定条件后可参与到银行间外汇市场，依法合规开展人民币对外汇即期业务和相关衍生品交易。

(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、完善海南金融市场体系

III. Improve Hainan's financial market system

(十二)支持海南银行业发展。支持海南引进全国性股份制商业银行设立分行。研究海南农村信用社改革，推动其更好服务乡村振兴战略实施。强化海洋产业、高新技术产业等领域的金融服务。支持海南引进外资，参股地方性资产管理公司。

(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)支持符合条件的海南企业首发上市，通过多层次股权市场发展壮大。继续支持海南企业并购重组，实现转型升级。

(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)支持海南企业发行债券融资。积极支持符合条件的海南企业在银行间市场和交易所市场发行公司信用类债券，进一步提高直接融资规模。支持市场主体扩大在受托管理机构、交易场所等方面的自主选择空间。支持海南企业通过资产证券化盘活存量、拓宽资金来源。

(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)支持海南相关基金发展。支持公募基金落户海南，支持符合条件的机构在海南依法申请设立合资公募基金管理公司，支持符合条件的境外金融机构在海南全资拥有或控股参股期货公司。对投向海南种业、现代农业等重点领域的私募股权投资基金，给予登记备案绿色通道。

(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、扩大海南金融业对外开放

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

(十六)扩大银行业对外开放。鼓励境外金融机构落户海南，支持设立中外合资银行。支持海南的银行引进符合条件的境外战略投资者，改善股权结构，完善公司治理，进一步提高海南的银行业对外开放程度。

(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) 扩大保险业对外开放。就海南与港澳地区保险市场深度合作加强研究。借鉴国际经验和通行做法，探索制定适合再保险离岸业务的偿付能力监管政策。

(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)设立银行业准入事项快速通道，建立准入事项限时办结制度，提高审批效率。

(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)落实外商投资的国民待遇要求，支持符合条件的外资机构在海南依法合规获取支付业务许可证。

(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)允许已取得离岸银行业务资格的中资商业银行总行授权海南自由贸易港内分行开展离岸银行业务。

(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、加强金融产品和服务创新

V. Strengthen financial product and service innovation

(二十一)鼓励创新面向国际市场的人民币金融产品及业务，扩大境外人民币投资海南金融产品的范围。在依法合规前提下，允许海南市场主体在境外发行人民币计价的债券等产品引入境外人民币资金，重点支持高新技术、医疗健康、旅游会展、交通运输等产业发展。

(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)稳步扩大跨境资产转让范围。在宏观审慎管理框架下，按照风险可控和规模可调节原则，在海南自由贸易港内试点扩大可跨境转出的信贷资产范围和参与机构范围。

(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)支持海南探索推进农垦国有农用地使用权抵押担保试点，推动完善确权登记发证、抵押担保登记、土地流转平台建设、抵押物价值评估等配套措施。

(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)创新发展保险业务。支持符合条件的保险机构在海南设立保险资产管理公司，并在账户独立、风险隔离的前提下，向境外发行人民币计价的资产管理产品。支持海南保险机构开展境外投资业务。鼓励保险机构加强创新，围绕环境、农业、旅游、健康、养老等领域，研发适应海南需求的特色保险产品。

(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)发展绿色金融。鼓励绿色金融创新业务在海南先行先试，支持国家生态文明试验区建设。加大对生态环境保护，特别是应对气候变化的投融资支持力度。

(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)支持科技金融发展，推动发展海洋科技。在依法合规、风险可控前提下，鼓励海南法人银行加强与创投机构合作，探索科技金融新模式，支持海南加强深海科技创新。创新科技金融政策、产品和工具。

(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)在依法合规、风险可控前提下加强金融科技创新应用。支持海南自由贸易港在金融管理部门统筹下开展金融科技创新业务试点，稳妥推进科技与金融业务深度融合。

(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、提升金融服务水平

VI. Upgrade the level of financial services

(二十八)支持在海南探索开展本外币合一银行账户体系试点。

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

(二十九)支持商业银行、中国银联联合产业各方推进开展小微企业卡、乡村振兴卡等业务，聚焦金融服务小微企业、服务“三农”产业的支付结算、融资增信、企业增值服务体系等环节，满足小微企业和“三农”产业互联网化、移动化支付结算需求。

(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)提升跨境移动支付便利化水平。便利境外居民在海南使用移动电子支付工具。支持境内移动支付机构在境外开展业务，逐步扩大其通过人民币跨境支付系统(CIPS)境外参与机构进行跨境移动支付的地区范围。

(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)持续推进海南中小微企业信用体系建设，支持构建小微企业综合金融服务平台，并与全国“信易贷”平台互联互通，做好中小微企业信用信息归集与应用，更高效地对接金融服务。深入推进海南农村信用体系建设，扩展农村地区信用信息覆盖广度，强化信用信息服务，有效对接普惠金融、乡村振兴战略，支持实体经济和海南特色产业发展。支持海南引进有市场影响力的信用评级机构。建立健全信用信息共享机制，支持海南地方社会信用体系建设。

(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)支持海南加快发展航运金融、船舶融资租赁等现代服务业。

(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、体育、旅游业发展。强化文化、体育和旅游领域金融服务。建立文化、体育和旅游企业信用大数据平台，破解文化、体育和旅游企业信用不充分、与金融机构之间信息不对称的融资瓶颈。推广文化、体育和旅游产业专项债券，优化文化、体育和旅游产业融资结构，逐步降低融资成本。建设区域文化和旅游金融服务平台，完善产业金融服务体系。针对邮轮游艇等海南国际旅游岛特色产业，重点支持邮轮游艇产业集聚园区和相关公共服务配套设施建设。

(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)在房地产长效机制框架下，支持海南在住房租赁领域发展房地产投资信托基金(REITs)，鼓励银行业金融机构创新金融产品和服务，支持住房租赁市场规范发展。

(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、加强金融监管，防范化解金融风险

VII. Strengthen financial supervision to prevent and defuse financial risks

(三十五)构建金融宏观审慎管理体系，加强对重大风险的识别和对系统性金融风险的防范。依托资金流信息监测管理系统，建立健全资金流动监测和风险防控体系。完善反洗钱、反恐怖融资和反逃税制度体系和工作机制，研究建立洗钱风险评估机制，定期评估洗钱和恐怖融资风险。构建适应海南自由贸易港建设的金融监管协调机制，有效履行属地金融监管职责，确保风险防控能力与金融改革创新相适应。

(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)支持海南设立金融与破产专业审判机构，集中审理海南金融与破产案件，提升金融与破产案件专业化审理水平，为当事人提供更加优质高效的司法保障。

(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)加强金融消费者权益保护。支持海南银行、证券、保险领域消费纠纷调解组织充分发挥作用，建立公正、高效、便民的金融纠纷非诉第三方解决机制。加强与当地人民法院和司法行政部门的沟通合作，落实银行、证券、保险领域矛盾纠纷诉调对接机制，发挥金融行业调解组织专业化优势，探索建立金融行业纠纷调解协议司法确认制度。开展集中性金融知识普及活动,在海南建立金融知识普及教育示范基地。进一步发挥证券期货投资者教育基地作用。

(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.

中国人民银行

中国银行保险监督管理委员会

中国证券监督管理委员会

国家外汇管理局

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

来源：海南国际经济发展局投资海南微信公众号

翻译：黄璀（海南国际经济发展局驻北京总代表）