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Several Opinions of the People's Bank of China, the National Development and Reform Commission, the Ministry of Industry and Information Technology, and Other Departments on Financial Support for the Industrial Sector in Stabilizing Growth, Adjusting Structure and Heightening Benefits
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中国人民银行、发展改革委、工业和信息化部等关于金融支持工业稳增长调结构增效益的若干意见
[现行有效]
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| Several Opinions of the People's Bank of China, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Finance, the Ministry of Commerce, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the China Insurance Regulatory Commission on Financial Support for the Industrial Sector to Stabilize Growth, Adjust Structure and Heighten Benefits | | 中国人民银行、发展改革委、工业和信息化部、财政部、商务部、银监会、证监会、保监会关于金融支持工业稳增长调结构增效益的若干意见 |
| (No. 42 [2016] of the People's Bank of China) | | （银发〔2016〕42号） |
| The industrial sector is a leading force of the national economy, the pillars of the real economy and the foundation for national competitiveness, a major battlefield to stabilize growth, adjust structure, and transform modes, and a main arena for innovation and is critical to the overall picture of economic development. Finance is in a community of common interests with the real economy, especially the industrial sector; and one prospers or suffers, and so do others. Effectively using and innovating on financial instruments and practically serving the real economy and the benefit enhancement and upgrading of the industrial sector are the fundamental measures for and important part of growing and developing the financial industry and preventing financial risks. According to the decisions and arrangements of the CPC Central Committee and the State Council, for the purposes of further strengthening the capabilities of financial services, removing the bottlenecks of difficult and costly financing confronted in the transformation and development of the industrial sector, intensifying financial support for the supply-side structural reform in the industrial sector and for the industrial sector in stabilizing growth, adjusting structure and heightening benefits, and promoting the industrial sector in cutting capacity, de-stocking, lowering leverage, reducing costs, fixing weakness, and accelerating its transformation and upgrading, with the approval of the State Council, the following opinions are hereby offered: | | 工业是国民经济的主导力量，是实体经济的骨架和国家竞争力的基础，是稳增长、调结构、转方式的主战场，也是创新的主战场，对经济发展全局至关重要。金融与实体经济、特别与工业是利益共同体，一荣俱荣，一损俱损。用好和创新金融工具，服务好实体经济和工业增效升级，是壮大和发展金融业、防范金融风险的根本举措和重要内容。按照党中央、国务院决策部署，为进一步增强金融服务能力，突破工业转型发展面临的融资难、融资贵瓶颈，加大金融对工业供给侧结构性改革和工业稳增长、调结构、增效益的支持力度，推动工业去产能、去库存、去杠杆、降成本、补短板、加快工业转型升级，经国务院同意，现提出如下意见： |
| I. Strengthening monetary and credit policy support and creating a good monetary and financial environment | | 一、加强货币信贷政策支持，营造良好的货币金融环境 |
| 1. Focusing on strengthening the financial support for the supply-side structural reform in the industrial sector. Multiple liquidity administration tools shall be comprehensively used to improve macro-prudential administration, tighten advance regulation and micro-regulation, maintain appropriate liquidity level and stable operation of the monetary market, and direct the stable growth of currency loans. The modes of financial support and services shall be innovated on. The intensity and efficiency of mergers and restructuring of enterprises and disposition of non-performing assets shall be strengthened and improved, and the reduction of excess capacity and stock shall be vigorously and properly advanced. Arbitrary charges for financial services shall continue to be addressed, financial institutions shall be directed to rationally fixing interest rates and chargeable items, the investigation and resolution of unreasonable charges shall be intensified, and the financing costs and debt burdens on enterprises shall be reduced. Industrial enterprises shall be supported in improving technology and replacing equipment, fixing the weakness in soft and hard industrial infrastructure, heightening their capabilities of innovative development, and creating a favorable condition for the industrial sector to stabilize growth, adjust structure, and enhance benefits. | | （一）着力加强金融对工业供给侧结构性改革的支持。综合运用多种流动性管理工具，完善宏观审慎管理，加强预调、微调，保持流动性水平适度和货币市场稳定运行，引导货币信贷平稳增长。创新金融支持和服务方式。加强和改进对企业兼并重组、不良资产处置的力度和效率，积极稳妥推进工业化解过剩产能和库存。继续整顿金融服务乱收费，指导金融机构合理确定利率水平和收费项目，加大对不合理收费的查处力度，降低企业融资成本和债务负担。支持工业企业技术改造和设备更新，补齐工业软硬基础设施短板，提高企业创新发展能力，为工业稳增长调结构增效益创造有利条件。 |
| 2. Implementing differentiated credit policies for the industrial sector. Banking financial institutions shall be guided, according to major technological improvements, industry upgrading, and structural adjustment projects catalogs, in further bettering the credit access standards and enhancing the support for strategic emerging industries, technological improvements to traditional industries, and transformation and upgrading, among others. Financial institutions shall be directed to investing in medium and long-term loans and stepping up their support for high and new technology enterprises, significant technological equipment, industrial foundation consolidation projects, and other fields. Guiding opinions on financial support for building a manufacturing power shall be developed and issued, and the financial industry shall be prompted to serve "Made in China 2025" in all dimensions. Banking financial institutions shall be encouraged, on the premise of controllable risks, to appropriately reduce the proportions of down payment for new energy vehicles and second-hand vehicles, reasonably expand consumer loans for vehicles, and support the production and consumption of new energy vehicles and the development of relevant industries. Banking financial institutions shall be guided in adhering to the principle of differentiated treatment and support alongside control and continuing to provide credit support for quality enterprises with competitive products, securing a market share, and producing profits in steel, nonferrous metals, construction materials, ships, coal, and other industries, so as to help promising enterprises resolve difficulties. Industrial enterprises shall be supported in actively and properly reducing excess capacity, and no credit shall be extended to any newly increased capacity building project in an industry with serious excess capacity lacking lawful permits; and relevant loans for "zombie enterprises" which remain loss-making for a long time and without solvency and market competitiveness, or enterprises or outdated capacity in terms of environmental protection or work safety and unable to take corrective action, shall be adamantly reduced and recovered. Bank-enterprise coordinated action plans shall be prepared, and the connection between the information of banks and enterprises shall be vigorously boosted. | | （二）落实差别化工业信贷政策。引导银行业金融机构根据重大技改、产业升级、结构调整项目目录，进一步完善信贷准入标准，加大对战略性新兴产业、传统产业技术改造和转型升级等的支持力度。引导金融机构加大中长期贷款投入，加大对高新技术企业、重大技术装备、工业强基工程等领域的支持力度。制定出台金融支持制造强国建设指导意见，推动金融业全方位服务“中国制造2025”。鼓励银行业金融机构在风险可控前提下，适当降低新能源汽车、二手车的贷款首付比例，合理扩大汽车消费信贷，支持新能源汽车生产、消费及相关产业发展。引导银行业金融机构坚持区别对待、有扶有控原则，对钢铁、有色、建材、船舶、煤炭等行业中产品有竞争力、有市场、有效益的优质企业继续给予信贷支持，帮助有前景的企业渡过难关。支持工业企业积极稳妥化解产能过剩，对产能严重过剩行业未取得合法手续的新增产能建设项目，一律不得给予授信；对长期亏损、失去清偿能力和市场竞争力的“僵尸企业”，或环保、安全生产不达标且整改无望的企业及落后产能，坚决压缩退出相关贷款。制定银企对接行动方案，积极推动银企信息对接工作。 |
| 3. Accelerating the innovation in credit products for the industrial sector. Financial institutions shall be directed, closely based on industrial innovation, to hastening the development of financial products and services for entrepreneurship and innovation among all the people in the industrial sector, deeply developing the potential for industrial expansion, and vigorously gathering new momentum for industrial development. The "Internet plus" action in the industrial sector shall be energetically supported, and the quick connection among traditional industries, large-sized enterprises, and markets shall be furthered, so as to achieve the integration of industrial manufacturing enterprises with the networks and forcefully improve the traditional momentum for industrial development. Energy efficiency credit, collateral loans secured with the pledge of the right to future earnings from energy performance contracting, collateral loans secured with the mortgage of the right to pollution discharge, collateral loans secured with the mortgage of the carbon emission permit, and other green credit business shall be strenuously developed, and energy conservation and environmental protection projects and services shall be dynamically supported. Banking financial institutions shall be encouraged to develop collateral loan business secured with the pledge of indigenous brands, rights to exclusive use of trademarks, and other intangible assets of enterprises, and the building of indigenous brands in the final goods field shall be supported. Surety repayment and reimbursement and other business for the financing of micro and small-sized enterprises shall be supported. | | （三）加快工业信贷产品创新。引导金融机构紧密结合工业创新，加快发展支持工业领域大众创业、万众创新的金融产品和服务，深入挖掘工业增长潜力，积极培养工业发展新动能。积极支持工业领域“互联网＋”行动，促进传统产业、大企业与市场迅速对接，实现工业制造企业和网络融合，着力改造工业发展传统动能。大力发展能效信贷、合同能源管理未来收益权质押贷款、排污权抵押贷款、碳排放权抵押贷款等绿色信贷业务，积极支持节能环保项目和服务。鼓励银行业金融机构开发自主品牌、商标专用权等企业无形资产质押贷款业务，支持消费品领域自主品牌建设。支持开展小微企业融资担保代偿补偿等业务。 |
4. Improving the industrial credit administration system. Financial institutions shall, on the premise of effectively managing and controlling risks, implement the innovation in rolling over loans without repayment of the principal upon maturity, revolving loans and other methods of repayment of loans against the working capital of micro and small-sized enterprises so as to effectively reduce the cost of bridging financing of micro and small-sized enterprises. For medium and large-sized enterprises experiencing provisional difficulties in working capital turnover but are still with solvency and market competitiveness, the indebtedness pressure on enterprises may be eased by adjusting loan terms, repayment modes, and other loan restructuring measures while the quality monitoring and accurate classification of loans are effectively conducted. Industry authorities shall be promoted in further specifying the direction of the structural adjustment, transformation, and upgrading of the industrial sector, reinforce the restricting force of catalog administration, standards administration, and other means, and raise the reference value of "white lists" and "blacklists." The communication and coordination between financial institutions shall be strengthened, credit lines shall be vigorously and jointly extended, and a reasonable size of credit lines extended to industrial enterprises shall be maintained.
．．．．．． | | （四）改进工业信贷管理制度。支持金融机构在有效管控风险的前提下，落实好无还本续贷、循环贷款等小微企业流动资金贷款还款方式创新，降低小微企业“过桥”融资成本。对资金周转出现暂时困难但仍具备清偿能力和市场竞争力的大中型企业，可在做好贷款质量监测和准确分类的同时，通过调整贷款期限、还款方式等贷款重组措施，缓解企业债务压力。推动行业主管部门进一步明确工业结构调整和转型升级方向，强化目录管理、标准管理等手段的约束力，提高“白名单”、“黑名单”的参考价值。加强金融机构同业沟通协调，积极开展联合授信，保持对工业企业的合理授信规模。
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