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Guiding Opinions of the China Banking and Insurance Regulatory Commission, the Ministry of Commerce, and the State Administration of Foreign Exchange on Improving Financial Services for Foreign Trade
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中国银保监会、商务部、国家外汇管理局关于完善外贸金融服务的指导意见
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| Guiding Opinions of the China Banking and Insurance Regulatory Commission, the Ministry of Commerce, and the State Administration of Foreign Exchange on Improving Financial Services for Foreign Trade | | 中国银保监会、商务部、国家外汇管理局关于完善外贸金融服务的指导意见 |
| (No. 49 [2019] of the China Banking and Insurance Regulatory Commission) | | （银保监发〔2019〕49号） |
| All local offices of the China Banking and Insurance Regulatory Commission (‘CBIRC'); the commerce departments of all province, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and Xinjiang Production and Construction Corps; branches of the State Administration of Foreign Exchange (‘SAFE') in all provinces, autonomous regions and municipalities directly under the Central Government, and branches of SAFE in Shenzhen, Dalian, Qingdao, Xiamen and Ningbo; all policy banks, large-scale banks and joint-stock banks; Postal Savings Bank of China; foreign-funded banks; export credit insurance companies; all property insurance companies; banking associations; and insurance associations: | | 各银保监局，各省、自治区、直辖市、计划单列市及新疆生产建设兵团商务主管部门，国家外汇管理局各省、自治区、直辖市分局、外汇管理部，国家外汇管理局深圳、大连、青岛、厦门、宁波市分局，各政策性银行、大型银行、股份制银行，邮储银行，外资银行，出口信保公司，各财产保险公司，银行业协会，保险业协会： |
| For the purposes of guiding banking and insurance institutions to further strengthen and improve financial services for foreign trade, minimize weaknesses in financial services, and increase the service quality and efficiency under the conditions of legal compliance, controllable risks and sustainable business development, the Opinions are hereby offered as follows: | | 为引导银行保险机构在依法合规、风险可控、商业可持续的前提下，进一步加强和改进外贸金融服务，补齐服务短板，提升服务质效，现提出以下意见。 |
| I. General requirements | | 一、总体要求 |
| 1. Enhancing the awareness of financial services: Banking and insurance institutions shall be fully aware of the significant role of stabilizing foreign trade in the supply-side structural reform of financial services, implementation of the Belt and Road Initiative, and balanced growth of two-way trade between China and other major countries and regions; deepen the reform, optimize the structure, and stay committed to the original mission, and focus on their main businesses; take the support for foreign trade development as an impetus to serve the real economy; and provide stronger financial support to enterprises with sales orders, market shares, and credibility. | | （一）增强服务意识。银行保险机构应充分认识稳外贸对服务供给侧结构性改革、落实“一带一路”倡议、实现我国与重点国家和地区双边贸易平衡增长的重要作用，深化改革、优化结构、回归本源、专注主业，将支持外贸发展作为服务实体经济的重要着力点，加强对有订单、有市场、有信用企业的金融支持。 |
| 2. Focusing on key areas for financial services: Banking and insurance institutions shall earnestly implement policies for the development of foreign trade; continue to provide effective financial services to traditional leading sectors such as bulk commodities, machinery equipment, labor-intensive manufacturing, and processing trade; constantly intensify efforts in serving new business modes and new fields such as trade-in services, cross-border e-commerce, upgrading and gradient transfer of the manufacturing industry, cooperation on the promotion of international production capacity and equipment manufacturing, construction of the international marketing and after-sales service system, global deployment of enterprises' industrial chain, fostering of foreign trade brands, development of China-Europe express trains, application of rail waybills (or bill of lading), customs clearance facilitation, market procurement trade modes, and construction of national innovation demonstration zones for promoting imports; and create new competitive strengths for Chinese enterprises in foreign trade. | | （二）突出服务重点。银行保险机构应认真贯彻落实国家外贸发展政策，继续做好大宗商品、机电设备、劳动密集型产品、加工贸易等传统优势领域金融服务，持续加大对服务贸易、跨境电子商务、制造业转型升级和梯度转移、国际产能和装备制造合作、国际营销和售后服务体系建设、企业产业链全球布局、外贸品牌建设、中欧班列发展和铁路运单（提单）应用、通关便利化、市场采购贸易方式、国家进口贸易促进创新示范区建设等新业态、新领域的服务力度，培育外贸竞争新优势。 |
| 3. Strengthening risk management: Banking and insurance institutions shall, based on the characteristics of various financial services for foreign trade, effectively identify potential risks, continue to take background checks as the basis of risk management in financial services for foreign trade, prevent risks from the very beginning, and take specific measures to strengthen risk management. | | （三）加强风险管理。银行保险机构应根据各类外贸金融业务特点，有效识别风险点，始终将贸易背景审核作为外贸金融业务风险管理的基础，从源头做好风险防范，有针对性地加强风险管理。 |
| II. Improving products and services | | 二、完善产品和服务 |
| 4. Improving comprehensive financial services: Banking and insurance institutions shall be encouraged to follow the trends of foreign trade; take into consideration the changes of the macro-economic environment, changes of settlement modes, features of foreign trade process, controllability of receivables, market demands and capability of business expansion; make reasonable use of domestic and foreign market resources; work actively to provide financial services for foreign trade; and provide financial products or services and overall financial solutions for foreign trade, such as payment and settlement, trust financing, financial planning, risk management, tariff guarantee insurance, and export credit insurance. Banks shall be encouraged to promote the integrated development of domestic and foreign trade, businesses in both RMB and foreign currencies, and domestic and foreign businesses, so as to meet the needs of foreign trade enterprises in organizing production in China. | | （四）完善金融综合服务。鼓励银行保险机构紧跟外贸发展趋势，结合宏观经济环境变化、结算方式变化、贸易流程特点、应收账款可控程度、市场需求和自身展业能力，合理利用境内外市场资源，积极开展外贸金融服务，提供支付结算、融资融信、财务规划、风险管理、关税保证保险、出口信用保险等外贸金融产品服务和外贸金融整体解决方案。鼓励银行推动内外贸、本外币、境内外业务融合发展，满足外贸企业国内生产组织需求。 |
| 5. Innovating accounts receivable financing: Banks shall be encouraged to provide accounts receivable financing for foreign trade and relevant business innovations under the conditions of prudently assessing the authenticity and stability of accounts receivable and effectively controlling the accounts receivable normal balance, and support flexible arrangements in credit granting, loan approval, and loan repayment, so as to satisfy the special needs of foreign trade featuring “a large quantity of small orders and a high turnover ratio”. Banks shall be encouraged to provide financing services related to export tax refund accounts under the condition of effectively controlling the changes of export tax refund accounts; and the taxes not refunded may be pledged as accounts receivable to raise funds. Banks shall also be encouraged to provide supply chain financing services to upstream and downstream enterprises on the domestic and international supply chains of a core enterprise under the conditions of effectively controlling the flow of information, statistics and cash of supply chains as well as improving transaction structure. | | （五）创新应收账款融资。鼓励银行在审慎评估应收账款真实性和稳定性、有效把控应收账款常态余额水平的前提下，开展外贸应收账款融资及相关业务创新，实现授信、放款、还款的灵活安排，适应外贸“单多量小、周转较快”的特点。鼓励银行在有效把控出口退税账户变更情况等基础上开展出口退税账户相关融资，未退税款可视同企业应收账款一并进行质押融资。鼓励银行在有效把控供应链信息流、物流、资金流和完善交易结构的基础上，围绕核心企业开展面向上下游的境内外供应链金融服务。 |
| 6. Actively providing insurance policy financing: Banks shall be encouraged to expand the scale of policy financing for export credit insurance by combining the needs of enterprises and the banks' requirements for risk management. When providing other financial services for foreign trade, banks may take comprehensive consideration of credit risks in combination with the export credit insurance policies of enterprises. Furthermore, banks and policy holders shall be encouraged to deepen mutual trust and cooperation, share information with each other, connect with each other's systems, and develop new products and services by enabling export credit insurance to play a better role in mitigating risks and raising funds. | | （六）积极开展保单融资。鼓励银行结合企业需求和自身风险管理要求，积极扩大出口信用保险保单融资规模。开展其他外贸金融服务时，银行可结合企业持有的出口信用保险保单综合考虑授信风险。鼓励银保双方深化互信合作、信息共享、系统对接，围绕更好发挥出口信用保险风险缓释作用和融资功能开展产品服务创新。 |
| 7. Innovating financing products and services for trade-in services: Banking and insurance institutions shall be encouraged to understand the ‘light asset' characteristics of trade in services enterprises, learn from international experience, and, based on authenticity review, provide financial products and services for trade in services. They shall also constantly increase support to traditional trade-in services (such as tourism, transport, and construction) and emerging trade-in services (such as communications, computer and information services, consultation, R&D design, intellectual property rights, energy conservation, inspection, testing and certification, environmental protection, conferences and exhibitions, cultural and creative ideas, digital publishing, animation and games. | | （七）创新服务贸易融资。鼓励银行保险机构充分把握服务贸易企业“轻资产”特点，积极借鉴国际经验，在真实性审核的基础上，提供服务贸易金融产品服务，持续加大对旅游、运输、建筑等传统服务贸易和通信、计算机与信息服务、咨询、研发设计、知识产权、节能、检验检测认证、环境、会展、文化创意、数字出版、动漫游戏等新兴服务贸易的支持力度。 |
8. Actively providing financial services to both micro and small-sized foreign trade enterprises: Banking and insurance institutions shall be encouraged to have an in-depth knowledge of the demands of both micro and small-sized foreign trade enterprises for financial services and the information of their production and business operation, by establishing and utilizing both online and offline channels, and develop specific financial products and services. They shall also be encouraged to connect with comprehensive foreign trade service platforms with standard practices and a good reputation, and provide financial services to more micro and small-sized foreign trade enterprises by using the credit enhancement functions of the platforms and their strengths in providing such information as manufacturing, transaction, customs clearance, and tax refund. Banking and insurance institutions shall play an active role in handling loan renewals for both micro and small-sized foreign trade enterprises that meet certain credit conditions, and ensure that improper loan cut or reduction will never occur.
．．．．．． | | （八）积极开展小微外贸企业金融服务。鼓励银行保险机构搭建并充分利用线上线下渠道深入了解小微外贸企业金融需求和生产经营信息，开发特色产品服务。鼓励银行保险机构对接经营规范、信誉良好的外贸综合服务平台，借助其增信功能和在企业生产、交易、通关、退税等方面的信息优势，为更多小微外贸企业提供金融服务。积极做好符合信贷条件的小微外贸企业续贷工作，确保不发生不合理的抽贷、断贷。
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