Source: Xinhua News Agency
Recently, the General Office of the CPC Central Committee and the General Office of the State Council issued the "Several Opinions on Strengthening Private Enterprises for Financial Services" and issued a notice requesting all departments of various regions to conscientiously implement them in light of the actual situation.
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"Several Opinions on Strengthening Financial Services Private Enterprises"
The private economy is an important part of the socialist market economy and plays an irreplaceable role in stabilizing growth, promoting innovation, increasing employment, and improving people's livelihood. The Party Central Committee and the State Council have always attached great importance to the work of private enterprises in financial services. All departments and financial institutions in various regions have conscientiously implemented and introduced measures to actively support the financing of private enterprises and achieved certain results. However, some private enterprises have difficulty in financing and financing. In order to thoroughly implement the decision-making arrangements of the Party Central Committee and the State Council and effectively strengthen the financial services for private enterprises, the following opinions are proposed.
First, the overall requirements
(1) Guiding ideology. Guided by Xi Jinping's new era of socialism with Chinese characteristics, comprehensively implement the spirit of the 19th and 19th Central Committees of the Party, implement the requirements of the Central Economic Work Conference and the National Financial Work Conference, adhere to the basic economic system, and adhere to stability. Pursue the general tone of work, focus on building a well-off society and high-quality development requirements, unswervingly consolidate and develop the public sector of the economy, unswervingly encourage, support, and guide the development of the non-public economy, and treat all types of enterprises equally, effectively It will alleviate the problem of difficult financing for private enterprises, enhance the vitality of micro-subjects, give full play to the important supporting role of private enterprises in economic growth and job creation, and promote stable and healthy economic and social development.
(2) Basic principles
fair and just. Adhere to the equal treatment of all types of ownership economies, eliminate various hidden barriers to the private economy, continuously deepen financial reforms, improve the financial service system, and promote the allocation of financial resources and the private economy in the national economy in accordance with the principles of marketization and rule of law. The role is more compatible, ensuring that all types of ownership economies participate in market competition fairly according to law.
Focus on the difficulties. Adhere to the problem orientation, focus on unblocking the transmission mechanism of monetary policy, and focus on solving the problem of financial institutions “not dare to lend, not willing to lend, or not to lend†to private enterprises, and enhance the awareness and ability of financial institutions to serve private enterprises, especially small and micro enterprises, and expand The effective financial supply of private enterprises, improve the policies and measures for the relief of private enterprises, support the sustainable and healthy development of private enterprises, and promote the realization of the "six stable" goals.
Resilience responsibility. The financial management department must earnestly assume supervision and guidance responsibilities. The financial department should give full play to the role of fiscal and taxation policies and fulfill the duties of state-owned financial capital investors. All relevant departments should strengthen policy support, supervise and guide financial institutions to continuously strengthen and improve private enterprises. Financial Services. The governments of the provinces (autonomous regions and municipalities directly under the Central Government) must conscientiously implement the responsibility for territorial management and take measures to promote the level of financial services private enterprises in the region. Financial institutions must earnestly fulfill the duties of serving the first responsible person of private enterprises, so that private enterprises have a real sense of gain.
Treat both the symptoms and the root causes. While effectively alleviating the current financing pain points and blocking points, it accurately analyzes the institutional and structural reasons behind the financing difficulties of private enterprises, focuses on optimizing structural institutional arrangements, establishes and improves long-term mechanisms, and continuously improves the quality and efficiency of financial services private enterprises. .
(3) Main objectives. Through comprehensive policy, all types of enterprises will be treated equally in financing, ensuring that financial services for private enterprises are effectively improved, financing scale is steadily expanding, financing efficiency is significantly improved, financing costs are gradually reduced and stable at a reasonable level, and private enterprises are particularly It is the problem of financing difficult financing for small and micro enterprises, which has effectively alleviated the vitality and creativity of the private economy.
Second, increase financial policy support, focus on improving the pertinence and effectiveness of private enterprise financial services
(4) Implementing differentiated monetary credit support policies. Reasonably adjust the macro-prudential evaluation parameters of commercial banks, and encourage financial institutions to increase the credit supply of private enterprises and small and micro enterprises. Improve the policy of targeted reduction of inclusive finance. Increase the amount of refinancing and rediscounting, and cover the policy of supporting small loans and rediscounting to cover all types of financial institutions including private banks. Increase the support for private enterprise bill financing, simplify the discounted business process, improve the efficiency of discount financing, and timely rediscount. Accelerate the introduction of non-deposit-based lending organizations regulations. Support the development of small and medium-sized banks such as private banks and other method banks, and accelerate the construction of a financial service system that matches the needs of private small and medium-sized enterprises. Deepen the joint credit grant pilot and encourage banks and private enterprises to build medium- and long-term silver-enterprise relationships.
(V) Increase the support of direct financing. Actively support qualified private enterprises to expand direct financing. Improve the stock issuance and refinancing system, and speed up the initial public offering and refinancing review of private enterprises. Deepen the reform of the institutional mechanism of mergers and acquisitions of listed companies. In combination with the reasonable demands of private enterprises, the study expands the scope of application and the scale of issuance of directional convertible bonds. Expand the pilot program of innovative and entrepreneurial bonds, and support non-listed and non-listed private enterprises to issue private convertible bonds. We will promptly promote the establishment of a science and technology board on the Shanghai Stock Exchange and a pilot registration system. We will steadily promote the reform of the New Third Board issuance and trading system, and promote the NEEQ to become an important platform for innovative private small and medium-sized enterprises to finance. Support private enterprise bond issuance and encourage financial institutions to increase investment in private enterprise bonds.
(6) Improve the economic ability of financial institutions to serve the real economy. Support financial institutions to replenish capital through capital markets. Accelerate the innovation of commercial banks' capital supplementary bond instruments and support the replenishment of capital through the issuance of innovative tools such as non-fixed-term capital bonds and convertible secondary capital bonds. Counter-cyclical adjustments to the reserve capital of commercial banks from a macro-prudential perspective. The quality and scale of financing services for private enterprises and small and micro enterprises are regarded as important considerations for the issuance of stocks by small and medium-sized commercial banks. Study the cancellation of insurance funds to carry out financial equity investment industry scope restrictions, standardize the implementation of strategic equity investment. Focus on the financing and credit enhancement of private enterprises, and improve the coverage of credit insurance and bond credit enhancement institutions. Guide and support banks to speed up the disposal of non-performing assets, and focus on revitalizing funds to private enterprises.
Third, strengthen the construction of financing service infrastructure, and strive to solve problems such as information asymmetry and insufficient credit of private enterprises.
(7) Grasp the construction of information service platform from a strategic perspective. Open relevant information resources according to law, and promote data sharing under the premise of ensuring information security. The local government relies on the national data sharing and exchange platform system, and strives to build and improve big data service platforms such as finance, taxation, market supervision, social security, customs, and justice, so as to achieve cross-level and cross-sectoral inter-regional interconnection. Improve the information docking mechanism between financial institutions and private enterprises, and realize efficient online docking between the supply and demand sides of funds, so that information can “run more roads†and let enterprises “less errandsâ€. Develop various credit service agencies and encourage the development and innovation of credit service products. Support credit bureaus and credit rating agencies to use public information to provide credit products and services to private enterprises. Increase the intensity of trustworthiness and disciplinary punishment.
(8) Adopting various methods to improve the local credit enhancement system. Give play to the leading role of the National Financing Guarantee Fund and promote the construction of local government financing guarantee systems and business cooperation. The government-funded financing guarantee institution shall adhere to the quasi-public positioning, not for the purpose of making profits, and gradually reduce the requirements for counter-guarantee, and may cancel the counter-guarantee for the eligible conditions. Commercial banks with fast-growing loans and small households with private enterprises and small and micro enterprises can increase the risk sharing ratio and loan cooperation quota. Encourage qualified localities to set up private enterprises and small and micro enterprise loan risk compensation special funds, guiding funds or credit guarantee funds, focusing on providing credit enhancement services for first loans, loans, and loans. Research and explore the financing guarantee company access to the People's Bank Credit Information System.
(9) Actively promote the development of local equity financing standards. Actively cultivate early investment forces such as angel investment and venture capital invested in private science and technology enterprises, and pay close attention to perfecting tax policies that further support the development of venture capital funds. Standardize the development of regional equity market and build a multi-funded, multi-layered equity financing market. Encourage local governments to vigorously carry out private enterprise equity financing counseling training.
Fourth, improve performance appraisal and incentive mechanism, and focus on unblocking private enterprise financing
(10) Grasp the establishment of a long-term mechanism of “Dare to lend, willing to lend, and able to lendâ€. Commercial banks should promote the focus of sinking work at the grassroots level and improve the endogenous power of serving private enterprises. Improve the internal performance appraisal mechanism as soon as possible, formulate the annual target of private enterprise services, and increase the positive incentives. For the branches and related personnel who serve private enterprises, focus on the comprehensive assessment of the number of service enterprises and credit quality. Establish and improve the due diligence mechanism to improve the tolerance of non-performing loan assessment. Establish an internal accountability appeal channel to provide mechanism guarantee for due diligence. No unreasonable conditions such as loan transfer may be attached to the credit, and the relevant violations shall be investigated and dealt with seriously. Strictly crack down on acts such as forced rebates in the financial and credit fields, and promptly transfer the suspected criminals to institutions and individuals to the judicial organs and other relevant authorities.
(11) Effectively improve the availability of financing for private enterprises. Among the newly issued corporate loans, the proportion of private enterprise loans should be further increased. In the approval of loans, it is not allowed to set discriminatory requirements for private enterprises. Under the same conditions, private enterprises and state-owned enterprises have the same loan interest rates and loan conditions. The financial supervision department implements differentiated assessment according to the legal person institution, and forms an assessment mechanism that pays equal attention to both the number of loans and the amount of loans. If the data is found to be fraudulent, the relevant agencies and responsible personnel shall be seriously dealt with according to law. State-owned large-scale commercial banks should take the initiative to strengthen the construction of the Inclusive Finance Department, implement the special credit policy in the inclusive finance sector, improve the special evaluation mechanism and performance appraisal system for inclusive financial services, and improve the financing availability and financial services of private enterprises. The level and other aspects actively play the role of "head geese".
(12) Reducing excessive dependence on mortgage guarantees. Commercial banks should insist on reviewing the source of the first repayment, and make the main business prominent, financially sound, and the creditworthiness of major shareholders and actual controllers as the main basis for credit, and reasonably increase the proportion of credit loans. Commercial banks should rely on the core business credit of the industry chain, the real trading background and the closed loop of logistics, information flow and capital flow, and provide upstream and downstream enterprises with order financing and accounts payable financing without mortgage guarantee.
(13) Improve the response speed of loan demand and the time limit for approval. Commercial banks should actively use financial technology to support risk assessment and credit decision-making, and improve the efficiency of credit approval. For the loan renewed loan demand, commercial banks must take the initiative to dock in advance. Encourage commercial banks to carry out online approval operations. Each commercial bank should decentralize the approval of a certain amount of credit business to its branches in accordance with its own actual conditions; if it is necessary to concentrate on examination and approval, it is necessary to clarify the internal time limit and improve the timeliness.
(14) Enhance the sustainability of private enterprises in financial services. Commercial banks must follow the laws of economy and finance, operate in compliance with laws and regulations, set up credit plans scientifically, and must not organize sports credits. Improve the credit risk management and control mechanism, continuously improve data governance, customer ratings and loan risk pricing capabilities, strengthen the penetration risk management of the loan life cycle, and increase support for private enterprises under the premise of effectively preventing risks. Strengthen the enjoyment of preferential policies and low-cost fund use management, strictly monitor the flow of funds, prevent the interception, misappropriation and even the transfer of gloves by individual institutions or individuals, and effectively prevent moral hazard. Strengthen financial supervision and guidance, and handle the relationship between supporting the development of private enterprises and preventing financial risks.
V. Actively support the financing bail-out of private enterprises, focus on resolving liquidity risks and earnestly safeguard the legitimate rights and interests of enterprises
(15) Starting from the actual situation, help enterprises that encounter risk events get rid of difficulties. Accelerate the implementation of private enterprise bond financing support tools and the securities industry to support private enterprises to develop collective asset management plans. The study supports private enterprise equity financing, and encourages qualified private equity fund managers to initiate the establishment of private enterprise development support funds. Supporting asset management products, insurance funds, and other private equity funds recognized by the regulatory authorities in accordance with laws and regulations, participate in the resolution of the risk of stock pledge of private listed companies. For private enterprises that have encountered difficulties temporarily, financial institutions should treat them differently according to the principles of marketization and rule of law, and adopt measures to support them.
(16) Accelerate the clearing of the accounts owed to private enterprises. Adhere to clear borders, focus on key points, source governance, and gradual progress, using market-oriented and rule-of-law methods, and promptly clean up government departments and their affiliated institutions (including affiliated institutions) and large state-owned enterprises (including government platform companies) for business dealings with private enterprises. The overdue arrears formed ensure that private enterprises have a clear sense of acquisition. Government departments, large state-owned enterprises, especially central enterprises have to set an example of contracting and keeping promises, seriously organize the clearing of debts, and timely pay all kinds of unpaid accounts payable according to laws and regulations. It is necessary to strengthen policy support, improve the long-term mechanism, strictly prevent new arrears, and earnestly safeguard the legitimate rights and interests of private enterprises.
(17) Enterprises must actively create conditions conducive to financing. Private enterprises must operate in compliance with laws and regulations, cherish business reputation and credit records. Strictly distinguish personal income and expenditure from the income and expenditure of production and operation of enterprises, standardize the accounting system, and proactively disclose information. Strengthen its financial constraints, scientifically arrange financing structures, and standardize related party transactions management. Do not evade financial debt and provide the necessary basic conditions for financial support.
(18) Strengthen supervision and inspection of the implementation of landing. All localities and financial institutions should firmly adhere to the "four awarenesses", strengthen "four self-confidences", resolutely achieve "two maintenance", adhere to problem-oriented, clarify responsibilities, determine time limits, and implement them. Promote third-party institutions to carry out assessments on the implementation of policies for private enterprises in financial services, and improve the transparency of policy implementation. Timely summary and provide local countries with successful cases and effective practices that can be replicated and easily promoted. If the implementation is weak, it must be strictly accountable according to the law, and ensure that all policies are implemented.
Editor in charge: Ge Hongyan
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