| Notice by the Beijing Local Financial Supervision and Administration, the Operations Office of the People's Bank of China and the Beijing Office of the China Banking and Insurance Regulatory Commission of Issuing the Opinions on Deepening Supply-side Structural Reform in the Financial Sector to Continuously Improve the Business Environment for Financial Credit | | 北京市地方金融监督管理局、中国人民银行营业管理部、中国银行保险监督管理委员会北京监管局关于印发《深化金融供给侧改革持续优化金融信贷营商环境的意见》的通知 |
| Relevant departments and institutions of the municipal government: | | 市政府相关部门、各相关机构： |
| For the purposes of optimizing the business environment of financial credit in this municipality, we have studied and developed the Opinions on Deepening Supply-side Structural Reform in the Financial Sector to Continuously Improve the Business Environment for Financial Credit, which are hereby issued to you for your compliance and implementation. | | 为优化本市金融信贷营商环境，我们研究制定了《深化金融供给侧改革持续优化金融信贷营商环境的意见》。现印发给你们，请遵照执行。 |
| Beijing Local Financial Supervision and Administration | | 北京市地方金融监督管理局 |
| Operations Office of the People's Bank of China | | 中国人民银行营业管理部 |
| Beijing Office of the China Banking and Insurance Regulatory Commission | | 中国银行保险监督管理委员会北京监管局 |
| April 11, 2019 | | 2019年4月11日 |
| Opinions on Deepening Supply-side Structural Reform in the Financial Sector to Continuously Improve the Business Environment for Financial Credit | | 深化金融供给侧改革持续优化金融信贷营商环境的意见 |
| In order to continuously optimize the business environment of financial credit in this municipality, raise the level of financial credit services, and strengthen the capability of finance in serving micro and small-sized enterprises, the following opinions are hereby offered: | | 为持续优化本市金融信贷营商环境，提升金融信贷服务水平，加强金融服务民营小微企业能力，现提出以下意见： |
| I. Reducing the comprehensive financing costs of enterprises | | 一、降低企业综合融资成本 |
| Financial institutions under the jurisdictions shall be supervised to reduce as far as possible their regular service charges. Banking institutions shall moderately lower the lending rates for micro and small-sized enterprises; guarantee companies shall moderately cut their guarantee rate, so as to reduce the comprehensive financing costs of micro and small-sized enterprises. Efforts shall be made to reduce the comprehensive financing costs of micro and small-sized enterprises by 0.9 percentage points in 2019 compared with the previous year. | | 督导辖区内金融机构常规服务收费“能减尽减”，银行机构适度下调小微企业贷款利率，担保公司适度下调担保费率，降低小微企业综合融资成本。力争2019年完成小微企业综合融资成本，较前一年下降0.9个百分点的目标。 |
| II. Promoting online application and approval | | 二、推动线上申请与审批 |
| Banking institutions within the jurisdictions shall be encouraged to carry out mobile loan application online, automatic system credit granting, real-time approval, instant transfer, and the whole-process online loan application, in an attempt to shorten the financing chain, improve the efficiency of credit approval, and complete loan application through a maximum of one bank visit. | | 推动辖区内银行机构开展手机在线申贷、系统自动授信、实时审批、即时到账，进行全流程“不落地”的线上贷款模式，缩短融资链条，提高信贷审批效率，真正实现银行贷款“最多跑一次”。 |
| III. Establishing the “white list” management system for loan customers | | 三、建立贷款客户“白名单”管理制度 |
| Banking institutions shall be urged through the embedded annual review system and pre-review system to review their loans, and eligible enterprises may continuously use the loan funds. Banking institutions shall be encouraged to improve the term management of loans for micro and small-sized enterprises and develop medium and long-term loan products suitable for micro and small-sized enterprises. Under the mode of revolving loans, enterprises may withdraw loans for multiple times, grant and repay loans at any time, and recycle credit lines. | | 通过内嵌年审制、预审制，督促银行机构对贷款情况进行审查，符合条件的企业，可持续使用贷款资金。鼓励银行机构改进小微企业贷款期限管理，研发适合小微企业的中长期贷款产品。循环贷款模式下，企业可以多次提取、随借随还、循环使用贷款额度。 |
| IV. Achieving the goal of “Two Increases” for banking institutions | | 四、实现银行机构“两增”目标 |
The evaluation of corporate banking institutions in Beijing shall be strengthened to ensure that the overall growth rate of inclusive loans for micro and small-sized enterprises in 2019 is not lower than that of other various loans at the beginning of the year and the number of households with the balance of loans is not lower than the level at the beginning of the year. Specifically, the five large banks shall be required to play a leading role in the industry in an effort to achieve an overall increase of over 30% in the balance of inclusive loans for micro and small-sized enterprises compared with the beginning of the year.
．．．．．． | | 加强对北京地区内法人银行机构的考核，保证2019年总体完成普惠型小微企业贷款较年初增速不低于各项贷款较年初增速，贷款余额的户数不低于年初水平。其中，要求五家大型银行发挥行业“头雁”作用，力争总体实现普惠型小微企业贷款余额较年初增长30%以上。
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