| Opinions of the People's Bank of China on Accelerating the Construction of Credit Systems of Small and Micro Enterprises and Rural Areas | | 中国人民银行关于加快小微企业和农村信用体系建设的意见 |
| (No. 37 [2014], the People's Bank of China) | | (银发[2014]37号) |
| The Shanghai headquarters, all branches and operations departments, and all central sub-branches in capital cities of provinces and autonomous regions of the People's Bank of China (PBC); China Development Bank; all policy banks and State-owned commercial banks; joint-stock commercial banks; and Postal Savings Bank of China: | | 中国人民银行上海总部，各分行、营业管理部，各省会(首府)城市中心支行，国家开发银行，各政策性银行、国有商业银行，股份制商业银行，中国邮政储蓄银行： |
| For the purposes of implementing the work requirements of the State Council on the financial support for the development of small and micro enterprises and the rural economy, accelerating the construction of credit systems of small and micro enterprises and rural areas, effectively providing information services for small and micro enterprises, farm households, and other economic entities, particularly improving financial services for small and micro enterprises and for “agriculture, farmers, and the countryside,” and promoting the development of inclusive finance, the following opinions are hereby offered. | | 为贯彻落实国务院关于金融支持小微企业和农村经济发展的工作要求，加快小微企业和农村信用体系建设，做好对小微企业、农户等经济主体的信息服务，着力改善小微企业和“三农”金融服务，促进普惠金融发展，现提出如下意见。 |
| I. Great Significance | | 一、重要意义 |
| Development of small and micro enterprises and rural areas is an integral part of economic and social development in China. Acceleration of construction of credit systems of small and micro enterprises and rural areas to allow credit information to better play its role, develop financial inclusion, improve the credit environment, and support the financing and development of small and micro enterprises, farm households, and other economic entities that are credible and have markets is of great significance in promoting employment, increasing domestic demand, promoting adjustment of the economic structure, and enhancing the vitality of economy. | | 小微企业和农村地区发展是我国经济社会发展的重要组成部分。加快小微企业和农村信用体系建设，更好地发挥信用信息作用，发展金融普惠，改善信用环境，支持有信用、有市场的小微企业、农户等经济主体融资发展，对于带动就业、扩大内需、促进经济结构调整、增强经济活力，具有十分重要的意义。 |
| II. Guiding Ideology and Objectives | | 二、指导思想与目标 |
| In the construction of credit systems of small and micro enterprises and rural areas, the relevant work plans and requirements of the Central Committee of the Communist Party of China and the State Council shall be implemented, with credit information service as the basis and with support of financing and fostering of awareness of credibility as the start point and the purpose, to promote the sound development of small and micro enterprises, farm households, and other economic entities. | | 小微企业和农村信用体系建设，贯彻落实党中央、国务院的有关工作部署和要求，以信用信息服务为基础，以支持融资、培育信用意识为出发点和落脚点，促进小微企业、农户等经济主体健康发展。 |
| The objectives of construction of credit systems of small and micro enterprises and rural areas are: to perfect the credit information collection system; to improve the credit rating (grading) and information release and application systems; to advance construction of credit information service networks; to form mechanisms for sustainability jointly established by all sides, with sharing of interests and sharing of risks; to discover and enhance credit value of small and micro enterprises, farm households and other economic entities; to improve the financial ecology and environment; to promote financing of small and micro enterprises; and to improve financial service for “agriculture, farmers, and the countryside.” | | 小微企业和农村信用体系建设的目标是健全信用信息征集体系，完善信用评级(分)和信息发布与应用制度，推进信用信息服务网络建设，形成各方共建、利益共享、风险分担的可持续机制，发现和增进小微企业、农户等经济主体的信用价值，改善金融生态环境，促进小微企业融资和改善“三农”金融服务。 |
| III. Work Principles | | 三、工作原则 |
| 1. Government leadership and market participation: The government shall play an organizing and leading role, and policies and systems shall be established and perfected, to promote public disclosure and application of credit information. Market mechanisms shall play their role, and market institutions shall be directed to actively participate. | | (一)政府领导，市场参与。发挥政府的组织、领导作用，建立健全政策与制度，促进信用信息公开与应用；发挥市场机制作用，引导市场机构积极参与。 |
| 2. Promotion by the PBC and support by all sides: Liaisons between the government and the relevant departments shall be strengthened, and working schemes and working measures shall be formulated and improved. Publicity shall be strengthened, to strive to win support and cooperation by all sides, to form joint forces and realize joint advancement. | | (二)人行推动，多方支持。加强与政府、各相关部门的联系，制定、完善工作方案和工作措施；加强宣传，争取各方的支持与配合，形成合力，共同推进。 |
| 3. Pilot projects and step-by-step promotion: In light of the local realities, pilot projects shall be launched in eligible regions. Proceeding from what is easy to what is difficult and taking the experience gained at one point and popularizing it in a whole area shall be adhered to, and summarization shall be constantly made, to utilize the exemplary effects of models, and make step-by-step promotion. | | (三)试点先行，逐步推进。结合地方实际，在有条件的地区开展试点；坚持从易到难、由点及面，不断总结，发挥典型示范作用，逐步推广。 |
| 4. Active innovation and pursuit of substantial effects: Truth shall be sought from facts and innovation shall be actively made, to make exploration for suitable working methods and approaches. Sustainable working mechanisms shall be established, and substantial effects shall be pursued, to practically advance various work. | | (四)积极创新，务求实效。实事求是，积极创新，探索合适的工作方法与途径；构建可持续的工作机制，务求实效，扎实推进各项工作。 |
| IV. Tasks | | 四、工作任务 |
| 1. Improvement of the credit information collection system: | | (一)完善信用信息征集体系。 |
| As credit information collection is the basis for construction of credit systems of small and micro enterprises and rural areas, multiple means shall be adopted to improve the credit information collection system. | | 信用信息征集是小微企业和农村信用体系建设的基础，要采取多种方式完善信用信息征集体系。 |
Optimization of collection of information on small and micro enterprises and farm households: Organization and leadership shall be strengthened, and the relevant departments shall be driven to establish and improve records of information on small and micro enterprises, farm households and other economic entities. In accordance with the Guidelines on the Basic Data Items in the Construction of the Credit System of Small and Medium-Sized Enterprises and the Guidelines on the Basic Data Items in the Construction of the Credit System of Rural Areas (issued by No. 62 [2013], General Administration Department of the PBC), and in light of the characteristics of local small and micro enterprises, farm households and other economic entities and the situation of local information distribution, indicator collection systems shall be determined. Information collection mechanisms shall be improved, and multiple means of information collection including data submission, direct collection, and networking and sharing of information systems shall be adopted.
．．．．．． | | 优化小微企业、农户信息采集。加强组织领导，推动各相关部门建立和完善小微企业、农户等经济主体的信息记录；根据《中小企业信用体系建设基本数据项指引》和《农村信用体系建设基本数据项指引》(银办发[2013]62号文印发)，结合当地小微企业、农户等经济主体的特点和信息分布情况，确定采集指标体系；完善信息征集机制，采取数据报送、直接征集、信息系统联网共享等多种方式征集信息。
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