Notice of the General Office of the People's Government of Shandong Province on Forwarding the Opinions of the People's Bank of China Jinan Branch and Other Departments on Deepening the Reform of Financial "Release, Management and Service" and Further Improving the Level of Financial Services
On deepening the reform of financial "release and service".
Opinions on further improving the level of financial services
People's Bank of China Jinan Branch Provincial Local Financial Supervision Bureau Shandong Banking and Insurance Supervision Bureau
Shandong Securities Regulatory Bureau, Foreign Exchange Bureau, Shandong Branch, Provincial Development and Reform Commission
Provincial Department of Industry and Information Technology, Provincial Department of Finance, Provincial State-owned Assets Supervision and Administration Commission, Provincial Market Supervision Bureau
In order to conscientiously implement the decision-making and deployment of the Party Central Committee and the State Council on strengthening the financial services of private small and micro enterprises, implement the opinions and measures of the provincial Party committee and the provincial government on optimizing the business environment, and benchmark the international first-class business environment standards, combined with the actual situation of our province, the following opinions are put forward on deepening the reform of financial "management and service" and improving the level of financial services.
1. improve the financing availability of private small and micro enterprises and "three rural areas"
1. Implementation of the corporate financial counselor system. On the basis of giving full play to the role of the provincial financial advisory group, the listing promotion mechanism, and the financial operation monitoring center, more than 3000 professional cadres are selected in the province's financial institutions, and every three people form a tutoring team. each tutoring team contacts and tutoring a number of enterprises to provide enterprises with financial knowledge publicity, financial policy explanation, financial business consultation, financing service planning and other financial services. Establish corresponding incentive and restraint mechanisms to assess the effectiveness of financial counselors on an annual basis.
2. Strengthen policy support for the financing of private small and micro enterprises. Appropriate relaxation of the tolerance of non-performing loans for small and micro enterprises, the non-performing tolerance rate of loans for inclusive small and micro enterprises can be higher than the non-performing rate of loans within 3 percentage points; some of the overall risk level is high, but is actively carrying out risk mitigation and disposal of legal entities of the inclusive small and micro enterprise loan non-performing tolerance can be moderately relaxed. Relax the limit on the amount of single-family loans for small and micro-enterprise loans to enjoy the preferential weighting of venture capital, and raise the limit of single-family loans from 5 million yuan to 10 million yuan. Encourage large state-owned commercial banks and provincial management banks of qualified joint-stock commercial banks to set up inclusive financial institutions, and establish special comprehensive services, statistical accounting, risk management, resource allocation and evaluation mechanisms. Guide local corporate banking institutions to set up organizational structures and working mechanisms suitable for the development of inclusive financial services, and promote the implementation of differentiated regulatory policies for private small and micro enterprises. To carry out private small micro-enterprise first loan cultivation action, in 2020, the first loan to obtain more than 40000 new enterprises. We will increase the regulatory assessment and macro-prudential assessment of banks' loans to private small and micro enterprises and medium-and long-term loans to the manufacturing industry, and guide banks to enhance their ability and enthusiasm to serve private small and micro enterprises and to issue medium-and long-term loans to the manufacturing industry. Promote large state-owned banks to achieve a loan growth rate of not less than 20% for inclusive small and micro enterprises in 2020; Guide joint-stock banks to adhere to a differentiated and characteristic business service model, and strive to achieve a higher growth rate of loans for inclusive small and micro enterprises in 2020 than at the beginning of the year than that of various loans on the basis of balanced delivery and completion of the annual credit plan. Promote city commercial banks and agricultural commercial banks to further adhere to the positioning of "serving local services, strive to achieve the end of 2020 inclusive small micro-enterprise loan balance as a proportion of the loan balance increased by 1 percentage point compared to the beginning of the year. Guide large state-owned banks and national joint-stock banks to increase the growth rate of medium-and long-term loans in the manufacturing industry year-on-year, and ensure that the growth rate of medium-and long-term loans in the manufacturing industry of local corporate banks increases year-on-year.
3. Strengthen equity financing and bond financing support for private enterprises. We will promote private enterprises to expand multi-level capital market financing, speed up the pace of "small scale upgrading, regulation reform and stock listing", and strive to add no less than 20 new listed companies in the province by 2020; by 2021, 10000 small and micro industrial enterprises will be upgraded to industrial enterprises above scale, and more than 60% of the industrial enterprises above scale in the province will complete the standardized corporate restructuring. In the regional equity market to explore the establishment of rural revitalization, listed cultivation, high-growth enterprises and other characteristic sectors, and strive to 2020 regional equity market direct financing scale growth of 5%. Encourage venture capital funds and other investment institutions to invest in private enterprises. Establish a project bank for the cultivation of bond-issuing enterprises, rely on relevant government investment and financing guarantee institutions to improve the market-oriented credit enhancement mechanism, and promote private enterprises to expand the use of bond financing support tools. Implement the direct debt financing guidance incentive policy and the enterprise listing incentive policy.
4. Improve the market-based relief mechanism. Focus on supporting private enterprises with good development direction, lawful and trustworthy operations, and heavy debt burdens to implement debt-to-equity swaps. For landing projects, implementing agencies and private enterprises will be given a one-time reward of no less than 100000 yuan and no more than 500000 yuan. 50% of the proportion is used to reward the work team. Give full play to the role of the 10 billion-yuan bail-out fund in the relief of difficult private enterprises. Improve the province's emergency on-lending service system, accelerate the filing of city and county on-lending operations, and strive to cover all cities and counties (cities, districts) in 2020. Increase support for private small and micro enterprises to renew loans.
5. Improve the availability of financing for the "three rural areas. Guide national commercial banks to sink their business focus and set up separate credit plans to ensure that the growth rate of inclusive agricultural loans is not lower than the average growth rate of all loans. We will improve the unified rural comprehensive property rights trading market at the provincial, municipal and county levels, and gradually realize that the rural property rights trading market services cover all agriculture-related counties (cities and districts). We will do a good job in the promotion of digital credit financing projects in 60 counties (cities and districts) that have been launched in the province, and more than 10 counties (cities and districts) will be launched in 2020, benefiting farmers by more than 20%. Formulate policies and measures related to the high-quality development of agricultural insurance, and promote the expansion of agricultural insurance, increase products and raise standards. We will implement the policy of "replacing subsidies with awards" for the insurance of local characteristic agricultural products such as vegetables and fruits. The provincial finance will give awards and subsidies according to 50%-60% of the total premium subsidies of cities and counties. The maximum provincial award for a single type of insurance shall not exceed 5 million yuan. On the basis of 44 types of subsidized insurance in 2019, we will further increase the types of characteristic subsidized insurance, and strive to achieve "one county, one product" in three years ". We will implement the policy of raising the level of insurance for breeding sows, and carry out pilot expansion of insurance innovations such as agricultural disasters, full cost of wheat and "insurance + futures", so as to promote the transformation of agricultural insurance in our province from production insurance to income insurance.
2. to promote the enterprise comprehensive financing cost reasonable downward
6. Push lending rates down further. The implementation of the loan market quotation rate (LPR) and the competitive behavior of loan interest rates are included in the macro-prudential assessment of the People's Bank of China, and the province's bank floating rate loans refer to LPR pricing to achieve full coverage. Give full play to the policy guiding role of rediscounting in reducing the discount rate of private small and micro enterprises, and increase the proportion of private small and micro enterprise bills rediscounting to more than 90% in 2020. We will continue to do a good job in rectifying the indiscriminate charges for the services of loan enterprises. In 2020, the province's comprehensive financing costs of loans for inclusive small and micro enterprises will be reduced by more than 0.5 percentage points, and the financing costs of national commercial banks will continue to decrease.
7. Promote reasonable fee reductions for financial guarantee institutions. Government financing guarantee companies carry out credit-increasing and insurance-dividing services in line with provincial re-guarantee agencies. In principle, the guarantee rate charged for small and micro enterprises and "agriculture, rural areas and farmers" subjects with a single-family guarantee amount of 5 million yuan or less shall not exceed 1%, and the guarantee rate charged for small and micro enterprises and "agriculture, rural areas and farmers" subjects with a single-family guarantee amount of 5 million yuan or more shall not exceed 1.5 in principle; in principle, the fees charged by the re-guarantee institution for the re-guarantee business with a single-family guarantee amount of 5 million yuan or more shall not be higher than 0.5 of the risk liability, and the fees charged for the re-guarantee business with a single-family guarantee amount of 5 million yuan or less shall not be higher than 0.3 of the risk liability in principle. Except for the guarantee fee, the guarantee institution shall not charge unreasonable fees in any other name. The implementation of the central government's policy of reducing fees and awarding subsidies to guarantee institutions, taking into account factors such as the annual guarantee rate and guarantee amount for small and micro enterprises, the financial award and subsidy funds will focus on supporting the guarantee business for small and micro enterprises with a single-family loan of 10 million yuan and an annual guarantee rate of less than 2%, and the award and subsidy funds will be cut down to cities, relevant directly administered counties and provincial guarantee institutions.
3. Multi-channel to Alleviate the Difficulty of Enterprise Financing Mortgage Guarantee
8. Improve the management of mortgage loans and reasonably set up mortgage guarantee conditions. Further improve the management of equity, machinery and equipment, biological assets and other collateral loans, and expand the scope of collateral. In the examination and approval of bank loans, discriminatory requirements shall not be set for private enterprises, and the loan conditions of private enterprises and state-owned enterprises shall be consistent under the same conditions; for enterprises with normal production and operation and no obvious fluctuations, unreasonable requirements for additional mortgage guarantee shall not be put forward. Banking institutions should pay attention to reviewing the first source of repayment, reasonably increase the proportion of credit loans, and reduce the over-reliance on mortgage guarantees.
9. Standardize the management of financing guarantee business. Establish and improve the provincial, municipal and county-level government financing guarantee system, and promote the municipal and county-level government financing guarantee institutions to adhere to the policy positioning and return to the main business of guarantee. Strengthen the differentiated supervision of governmental financial guarantee and re-guarantee institutions, reduce or cancel the assessment of profit indicators, and increase the assessment weight of development indicators such as the balance of insurance, guarantee multiples and the number of guaranteed households. The introduction of government financial guarantee institutions small micro-enterprises and "three rural" financial guarantee business due diligence exemption work guidelines. Government financing guarantee institutions should gradually reduce the counter-guarantee requirements for entrepreneurs, entrepreneurial projects, and entrepreneurial enterprises that have won honorary titles at or above the municipal level, credit small and micro enterprises, merchants, farmers, and stable and trustworthy secondary entrepreneurs who have been assessed by banks. Improve the guarantee risk-sharing mechanism, in principle, the proportion of risk liability borne by provincial financial guarantee institutions and banking institutions is not less than 20%, and the proportion of risk liability borne by municipal guarantee and re-guarantee institutions is not less than the proportion borne by provincial guarantee institutions.
10. Expand the scale of intellectual property pledge financing. Guide banking institutions to establish intellectual property pledge financing management systems and incentive mechanisms, encourage insurance institutions to accelerate the development of intellectual property insurance business, open an intellectual property trading section in the Shandong Property Rights Exchange Center, and promote the province's intellectual property pledge loans accumulated account number and amount of reasonable increase year by year. Promote the patent "government, bank and insurance" financing service model, and in 2020, issue detailed rules for the implementation of intellectual property pledge insurance financing, which will be fully implemented on a pilot basis.
11. Improve the supply chain financial development mechanism. Expand the application of accounts receivable financing service platform, guide more supply chain core enterprises, banking institutions to access the platform, in 2020, the platform to increase the number of core enterprises more than 150, the number of new financing transactions of more than 4000 (year-on-year growth of more than 20%), the amount of new financing of more than 160 billion yuan (up more than 10%). To carry out the unified registration and inquiry of movable property guarantees, and in 2020, to start the registration of mortgages on production equipment, raw materials, semi-finished products and products into the unified registration system for movable property financing. All localities are encouraged to give policy support to core enterprises that have achieved remarkable results in participating in supply chain financing in terms of government procurement and evaluation, and government procurement departments and relevant state-owned enterprises should take the lead in confirming accounts payable information.
12. Strengthen the "broken chain" enterprise financing credit support. Governments and enterprises at all levels work together to explore and develop various forms of credit enhancement measures to provide credit enhancement support for market-oriented and competitive enterprises that are temporarily short of funds due to "breaking the circle and breaking the chain" but are in line with national policy guidance.
4. improve the convenience of financial services
13. Further simplify loan approvals. Optimize the bank loan approval procedures, and benchmark the best level in the country, that is, from the time the loan application is submitted to the loan issuance, the average processing link for eligible small and micro enterprises does not exceed 4, the processing time does not exceed 11 days, and the application materials do not exceed 10 Pieces, further improve the efficiency of credit processing by banking institutions in our province. Organize financing guarantee institutions to simplify customer audit materials, encourage banks and cooperative guarantee institutions to establish a customer data sharing mechanism, can share does not require enterprises to submit repeatedly, can provide online does not require paper materials.
14. Strengthen the construction of financing service platform. The construction of provincial, municipal and county three-level linkage through the set of financial product display, financing supply and demand docking, credit information query is equal to one of the Shandong Province enterprise financing service information platform, the first quarter of 2020 officially promoted the application. Relying on the platform to build the service brand of "Shandong E-Finance", banks are encouraged to develop online credit products for small and micro enterprises and individual industrial and commercial households, so as to realize the "one-stop" online processing of the whole process from the application for financing to the acquisition of funds, and will be officially launched in some banks by the end of 2020. We will promote the construction of a bank-tax interactive platform and strive to add 15 billion yuan of credit to the platform by 2020.
15. Promote the online processing of real estate mortgage registration. Accelerate the promotion of "Internet real estate mortgage registration", promote the systematic docking between real estate registration agencies and banks, realize the sharing and inquiry of real estate registration, bank loans, financial licenses and other information, realize that mortgagors can apply for real estate mortgage registration at the signing bank site, and realize the seamless connection between loan approval such as loan renewal, extension, loan repayment and mortgage change registration, cancellation registration and first registration application. By the end of 2020, all localities will carry out docking or information sharing between the housing provident fund loan system and the real estate registration system, so as to realize the approval of provident fund loans, real estate mortgage registration and online processing of bank loans.
16. Further improve the convenience of basic financial services. Create a "3km" inquiry circle for credit reports in central urban areas, increase the number of self-service credit inquiry outlets for banks with dense population and far away from urban villages and towns, and increase the number of self-service inquiry machines in the province by another 10% in 2020. We will further innovate bank hall services, optimize time-consuming business, batch business and peak-hour business processing, and basically eliminate the problem of people waiting in line for too long.
17. Further improve the level of foreign exchange services. Deepen the financial opening and innovation of the China (Shandong) Pilot Free Trade Zone, and fully implement 9 innovative business pilots such as trade foreign exchange balance review. Cancel or relax four restrictions on domestic equity investment in the capital of non-investment foreign-invested enterprises, promote three pilot projects such as the transfer of domestic credit assets, implement 12 foreign exchange management facilitation measures, clean up and integrate 20 types of foreign exchange accounts, and facilitate enterprises to handle foreign exchange business in compliance. Deepen the reform of the cross-border capital centralized operation business of multinational corporations, and expand the scale of the pilot business of facilitating trade in goods and facilitating the settlement and payment of foreign exchange income from capital projects. By the end of 2020, the whole process of online application and processing of foreign exchange business will be fully realized in the whole province.
5. to further optimize the financial ecological environment
18. Strengthen the protection of financial consumers' rights and interests. Strengthen the supervision of financial consumer rights protection behavior, give full play to the role of Luzhong Xiaobao WeChat official account, industry associations and complaint hotlines, and implement financial institutions to fulfill the main responsibility of financial consumer rights protection. We will strengthen the coordination and resolution of complaints, and solve the problems strongly reflected by a group of people, such as the difficulty of bank card unbundling and cancellation in different places, and the opacity of "sleep card" charges.
19. Intensify efforts to resolve financial risks. Continue to promote banking institutions to increase the disposal of non-performing loans, and strive to promote the province's non-performing loan ratio continued to decline. In-depth prevention and disposal of illegal fund-raising work, in 2020, strive to the province's no illegal fund-raising counties (cities, districts) accounted for more than 50%, the whole year's new cases involving funds below 10 million yuan accounted for more than 70%, before 2018 Chen case cases closed cases reached more than 80% of the total number of Chen case cases. Accelerate the pace of reform and restructuring of high-risk small and medium-sized financial institutions. Continue to strengthen the special rectification of Internet financial risks, and steadily promote the basic clearance of P2P network loan risks. Strengthen the supervision of small loan companies, financing guarantee companies, regional equity markets, pawn shops, financial leasing companies, commercial factoring companies, local asset management companies, as well as investment companies, farmers' professional cooperatives that carry out mutual credit assistance, social crowdfunding institutions, local various trading venues and other institutions.
20. Strengthen the construction of social integrity. Actively promote the promulgation of the "Shandong Province Social Credit Regulations", build a cross-regional, cross-departmental, and cross-field joint incentive and joint disciplinary mechanism for trustworthiness, and resolutely combat malicious evasion of financial debts.
Attachment:Task Division Table
Issued by the General Office of the People's Government of Shandong Province on March 6, 2020
