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Notice of the China Banking Regulatory Commission, the National Development and Reform Commission, the Ministry of Industry and Information Technology and other Departments on Issuing the Implementation Plan for Establishment of Inclusive Financial Business Divisions by Medium and Large-Sized Commercial Banks [Effective]
银监会、发展改革委、工业和信息化部等关于印发大中型商业银行设立普惠金融事业部实施方案的通知 [现行有效]
【法宝引证码】

Notice of the China Banking Regulatory Commission, the National Development and Reform Commission, the Ministry of Industry and Information Technology, the Ministry of Finance, the Ministry of Agriculture, the People's Bank of China, the National Audit Administration, the State Administration of Taxation, the State Administration for Industry and Commerce, the China Securities Regulatory Commission and the China Insurance Regulatory Commission on Issuing the Implementation Plan for Establishment of Inclusive Financial Business Divisions by Medium and Large-Sized Commercial Banks 

银监会、发展改革委、工业和信息化部、财政部、农业部、人民银行、审计署、税务总局、工商总局、证监会、保监会关于印发大中型商业银行设立普惠金融事业部实施方案的通知

(No. 25 [2017] of the China Banking Regulatory Commission) (银监发[2017]25号)

All local offices of the China Banking Regulatory Commission; the development and reform commissions, competent small and medium-sized enterprise departments, finance departments (bureaus), agriculture (animal husbandry and rural economy) departments (bureaus, commissions and offices) of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning; the Shanghai Head Office, all branches, operations offices and central sub-branches in capital cities of provinces (autonomous regions) and sub-provincial cities of the People's Bank of China; the audit departments (bureaus), state taxation bureaus, local taxation bureaus, administrations for industry and commerce, and market regulatory departments of all provinces, autonomous regions, municipalities directly under the Central Government and cities under separate state planning; all local offices of the China Securities Regulatory Commission; all local offices of the China Insurance Regulatory Commission; and all large-sized banks, joint-stock banks, and property insurance companies: 各银监局,各省、自治区、直辖市及计划单列市发展改革委、中小企业主管部门、财政厅(局)、农业(农牧、农村经济)厅(局、委、办),中国人民银行上海总部、各分行、营业管理部、省会(首府)城市中心支行、副省级城市中心支行,各省、自治区、直辖市及计划单列市审计厅(局)、国家税务局、地方税务局、工商行政管理局、市场监督管理部门,各证监局,各保监局,各大型银行、股份制银行、财产保险公司:
For purposes of implementing the requirements of the 2017 Government Work Report, promoting medium and large-sized commercial banks in establishing inclusive financial business divisions, improving the coverage of and accessibility to financial service, and effectively supporting real economy, the Implementation Plan for Establishment of Inclusive Financial Business Divisions by Medium and Large-Sized Commercial Banks is hereby issued to you for your conscientious organization and implementation. 为落实2017年《政府工作报告》要求,推动大中型商业银行设立普惠金融事业部,提高金融服务覆盖率和可得性,有效支持实体经济,现将大中型商业银行设立普惠金融事业部实施方案印发给你们,请认真组织实施。
All relevant departments shall, according to the requirements of the Implementation Plan, attach great importance, strengthen coordination and cooperation, conscientiously fulfill responsibilities, steadily advance all the work, and ensure the implementation of related requirements. New situations and problems encountered in the implementation shall be handled and reported in a timely manner. 各有关部门要按照实施方案要求,高度重视,加强协调配合,认真落实责任,扎实推进各项工作,确保相关要求落到实处。对实施过程中遇到的新情况、新问题要及时处理、反馈。
China Banking Regulatory Commission 银监会
National Development and Reform Commission 发展改革委
Ministry of Industry and Information 工业和信息化部
Ministry of Finance 财政部
Ministry of Agriculture 农业部
People's Bank of China 人民银行
National Audit Administration 审计署
State Administration of Taxation 税务总局
State Administration for Industry and Commerce 工商总局
China Securities Regulatory Commission 证监会
China Insurance Regulation Commission 保监会
May 23, 2017 2017年5月23日
Implementation Plan for Establishment of Inclusive Financial Business Divisions by Medium and Large-Sized Commercial Banks 大中型商业银行设立普惠金融事业部实施方案
Inclusive finance is relevant to development and fairness and helpful to promoting entrepreneurship and innovation, improving people's life, ensuring employment, enhancing the sense of social fairness and fulfillment, providing real economy with useful support, and preventing abandonment of real economy for investment in financial assets. The CPC Central Committee and the State Council have attached great importance to inclusive financial service, requiring banking financial institutions to establish and improve inclusive financial service systems and mechanisms, vigorously develop inclusive finance, and improve their capability of inclusive financial service. In 2015, the State Council issued the Plan for Advancement of Development of Inclusive Finance (2016-2020) (hereinafter referred to as "Development Plan"), specifying the principles, objectives and requirements, among others, with respect to the inclusive financial business conducted by banking financial institutions. As mentioned in the 2017 Government Work Report, medium and large-sized commercial banks shall be encouraged to establish inclusive finance business divisions, large-sized state-owned banks shall first do so, and differentiated appraisal and assessment measures and support policies shall be implemented, in order to effectively ease the problem of difficulties in and high costs of fund raising confronting micro, small and medium-sized enterprises. This Implementation Plan is developed in order to effectively promote medium and large-sized commercial banks' establishment of inclusive financial business divisions, to fix weakness in financial service, increase useful financial supply, and promote sustainable and balanced development of the financial industry. 普惠金融事关发展和公平,有利于促进创业创新,改善民生,保障就业,增进社会公平感、获得感,为实体经济提供有效支持,防止脱实向虚。党中央、国务院高度重视普惠金融服务,要求银行业金融机构建立健全普惠金融服务体制机制,大力发展普惠金融,提高普惠金融服务能力。2015年,国务院印发《推进普惠金融发展规划(2016-2020年)》(以下简称《发展规划》),明确了银行业金融机构开展普惠金融业务的原则、目标和要求等。2017年《政府工作报告》提出,鼓励大中型商业银行设立普惠金融事业部,国有大型银行要率先做到,实行差别化考核评价办法和支持政策,有效缓解中小微企业融资难、融资贵问题。为有效推进大中型商业银行设立普惠金融事业部,弥补金融服务短板,增加有效金融供给,促进金融业可持续均衡发展,制定本实施方案。
I. General requirements   一、总体要求
As defined in the Development Plan, "inclusive finance" means appropriate and effective financial service which, according to the requirement of equal opportunity and the principle of sustainable business, is supplied to all sectors and groups demanding financial service at affordable cost. Micro and small-sized enterprises, farmers, low-income urban groups, impoverished groups, the disabled, the elderly and other special groups are the key target customers of China's inclusive finance. Commercial banks shall, based on the current actual circumstances, establish inclusive financial business divisions and, on the basis of the requirements of the Development Plan, focus on micro and small-sized enterprises, "agriculture, rural areas and farmers," startup and innovation groups, poverty alleviation, and other fields. 《发展规划》提出,普惠金融是指立足机会平等要求和商业可持续原则,以可负担的成本为有金融服务需求的各阶层和群体提供适当、有效的金融服务。小微企业、农民、城镇低收入人群、贫困人群和残疾人、老年人等特殊群体是当前我国普惠金融重点服务对象。从当前实际出发,商业银行设立普惠金融事业部,要在《发展规划》要求基础上,聚焦小微企业、“三农”、创业创新群体和脱贫攻坚等领域。
(1) Guiding ideology (一)指导思想
We shall comprehensively implement the spirit of the 18th CPC National Congress, the Third, Fourth, Fifth and Sixth Plenary Sessions of the 18th CPC Central Committee and the Central Economic Work Conference, follow the decisions and arrangements of the CPC Central Committee and the State Council, adhere to the combination of government guidance and market orientation, with the return to the service for real economy as guidance, promote medium and large-sized commercial banks' establishment and improvement of an inclusive finance organization and administration system consisting in business divisions, innovate on service modes, strengthen appraisal and assessment of inclusive financial business divisions, fully motivate commercial banks, fix weakness in financial service, and improve the capability to serve real economy. 全面贯彻党的十八大和十八届三中、四中、五中、六中全会以及中央经济工作会议精神,按照党中央、国务院决策部署,坚持政府引导与市场主导相结合,以回归服务实体经济本源为导向,推动大中型商业银行建立健全事业部制普惠金融组织管理体制,创新服务模式,加强对普惠金融事业部的考核评价,充分调动商业银行积极性,弥补金融服务短板,提高服务实体经济的能力。
(2) Basic principles (二)基本原则
i. Commercial operation. According to the overall requirements of calculable cost, controllable risks, and meagre profit, more credit shall be provided, more resources shall be allocated, and the innovation on financial products and service mode shall be strengthened, so as to realize long-term, sustainable development of inclusive financial business divisions. 1.商业化运作。按照成本可算、风险可控、保本微利的总体要求,加大信贷投入,倾斜资源配置,加强金融产品和服务模式创新,实现普惠金融事业部长期可持续发展。
ii. Linear management. A linear, vertical management system of inclusive finance shall be established, vertical operation management bodies shall be set up from top to bottom according to the principle of proximity to the market and clients, approval competence shall be delegated, and the capability of market response and approval efficiency shall be improved, so as to realize the effective transmission and implementation of operation strategies. 2.条线化管理。建立普惠金融条线型垂直管理体系,按照贴近市场和客户的原则自上而下搭建垂直的经营管理机构,下放审批权限,提高市场反应能力和审批效率,实现经营战略的有效传导和落实。
iii. Specialized operation. Special comprehensive service, statistics and accounting, risk management, resource allocation, appraisal and assessment mechanisms shall be developed, internal resources and policies shall be made more accessible for the inclusive financial service field, major operation shall be made at lower levels, and an incentive and restraint mechanism integrating power, duty and interest shall be established and improved. 3.专业化经营。建立专门的综合服务、统计核算、风险管理、资源配置、考核评价机制,将内部资源、政策向普惠金融服务领域倾斜,下沉经营重心,建立健全权、责、利相结合的激励约束机制。
iv. Differentiated development. With the improvement of financial service for key weak industries, groups and regions as orientation, the advantages in the aspects of funds, networks, products and other aspects shall be used, in light of existing client base, business characteristics, service advantages, highlight priorities, improve the precision and usefulness of service, and form the mode of inclusive financial service with their respective characteristics. 4.差异化发展。以提升重点薄弱行业、人群、地区金融服务水平为导向,发挥资金、网络、产品等方面优势,立足现有客户基础、业务特点、服务优势,突出重点,提高服务精准性和有效性,形成各具特色的普惠金融服务模式。
v. Implementation by steps. Development plans shall be scientifically made, business boundaries shall be specified, progress shall be made step by step, optimization shall be realized gradually, and the reform of inclusive financial business divisions shall be advanced by plan, by steps, and efficiently. Pilot programs may be first conducted in some regions and promoted after experience is obtained. The management of front-end, interim and back-end inclusive financial business shall be optimized, and the improvement of organizational structure, retrofit of business process, optimization of information system and innovation on products and service shall be advanced by stages.
......
 5.分步骤实施。科学制定发展规划,明晰业务边界,循序渐进,逐步优化,有计划、分步骤、高效率地推进普惠金融事业部改革。可先在部分地区试点,取得经验后再推开。优化普惠金融前、中、后台业务管理,分阶段推进组织架构完善、业务流程改造、信息系统优化和产品服务创新。
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