According to the website of the State Administration for Financial Supervision, in order to thoroughly implement the spirit of the Third Plenary Session of the 20th CPC Central Committee, the Central Financial Work Conference, and the Central Economic Work Conference, do a good job in inclusive finance, and further improve the financing status of small and micro enterprises and individual industrial and commercial households, the State Administration for Financial Regulation, the People's Bank of China, the China Securities Regulatory Commission, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Finance, the State Administration of Taxation, and the State Administration for Market Regulation recently jointly issued the "Several Measures to Support Financing of Small and Micro Enterprises" (hereinafter referred to as the "Several Measures").
The "Several Measures" focuses on giving full play to the joint efforts of various policies such as supervision, monetary, finance and taxation, and industry. It proposes 23 work measures from eight aspects: increasing financing supply, reducing comprehensive financing costs, improving financing efficiency, improving support accuracy, implementing regulatory policies, strengthening risk management, improving policy guarantees, and doing a good job in organization and implementation.
The first is to increase financing supply. Deepen and implement the working mechanism for financing coordination of small and micro enterprises, and focus on supporting assistance resources in key areas such as foreign trade, private sector, science and technology, and consumption. Increase the issuance of first loans, credit loans, medium- and long-term loans, legal and human loans, and private loans. Make good use of structural monetary policy tools such as re-lending for agriculture and primary schools. Implement the policy of renewing loans for small and micro enterprises without repayment. Support small and micro enterprises to carry out equity financing.
The second is to reduce the cost of comprehensive financing. Guide banks to strengthen loan interest rate pricing management and reasonably determine loan interest rates for small and micro enterprises. Reduce loan surcharges, guide banks to clear illegal charges, and standardize cooperation with third parties. Resolutely rectify the chaos in illegal intermediaries in the financial field.
The third is to improve financing efficiency. Steadily develop online loans, guide banks to use technological means to improve credit approval and risk management models, and promptly improve anti-fraud model rules and technical means. Improve the efficiency of offline loan processing, reasonably streamline loan application materials, and optimize the approval process. Guide large and medium-sized commercial banks to reasonably delegate credit approval authority.
The fourth is to improve the accuracy of support. Strengthen financial support for enterprises in key areas, and connect specialized, specialized, innovative, small and medium-sized enterprises, and famous, specialized, and new individual industrial and commercial households. Organize and carry out the "one chain" national tour to promote financing for small and medium-sized enterprises. Increase financial support for small and micro enterprises in new foreign trade formats. Revise the classification standards for small and medium-sized enterprises.
Fifth, implement regulatory policies. Regularly conduct regulatory evaluations and evaluations for small and micro enterprises serving banks. We will do a solid job of exempting due diligence, urge banks to refine due diligence standards and exemption circumstances, and effectively combine them with bad tolerance. Improve the mechanism of the inclusive finance department and implement requirements such as performance appraisal weights and internal fund transfer pricing (FTP) discounts.
Six: Strengthen risk management. Revise the classification methods for loan risks for small and micro enterprises, formulate differentiated standards, and simplify classification methods. Guide banks to tilt their space and resources to loans to small and micro enterprises. Appropriately increase the upper limit of credit loan list-based write-offs for business purposes of small and micro business owners and individual industrial and commercial households through pilot methods, and improve the efficiency of disposing of non-performing loans.
7. Improve policy guarantees. Promote the high-quality development of the government-based financing guarantee system and increase support for financing credit enhancement for small and micro enterprises. Implement relevant financial and tax support policies. Deepen the application of credit information sharing. Promote the credit restoration of small and micro enterprises in an orderly manner. Strengthen the comprehensive performance evaluation of high-quality development.
8. Do a good job in organizing and implementing it. All departments shall promptly formulate and issue policy rules in accordance with the division of work. Guide banks to implement policies and formulate implementation plans.
