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Notice of the General Office of the China Banking and Insurance Regulatory Commission on Further Effectively Completing the Credit Work and Enhancing the Quality and Efficiency of Serving the Real Economy
[Effective]
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中国银保监会办公厅关于进一步做好信贷工作提升服务实体经济质效的通知
[现行有效]
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| Notice of the General Office of the China Banking and Insurance Regulatory Commission on Further Effectively Completing the Credit Work and Enhancing the Quality and Efficiency of Serving the Real Economy | | 中国银保监会办公厅关于进一步做好信贷工作提升服务实体经济质效的通知 |
| (No. 76 [2018] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发〔2018〕76号） |
| All local offices of the former China Banking Regulatory Commission (“former CBRC”); all local offices of the former China Insurance Regulatory Commission (“former CIRC”); all policy banks, large-scale banks, and joint-stock banks; Postal Savings Bank of China; financial assets management companies; and all insurance group (holding) companies, insurance companies, insurance assets management companies, and professional insurance intermediary institutions: | | 各银监局，各保监局，各政策性银行、大型银行、股份制银行，邮储银行，金融资产管理公司，各保险集团（控股）公司、保险公司、保险资产管理公司、保险专业中介机构： |
| For the purposes of further implementing the decisions and deployments of the CPC Central Committee and the State Council, and more effectively combining the prevention and mitigation of financial risks and serving the real economy, while resolutely fighting the tough battle of preventing and resolving financial risks, joint efforts must be made for smoothing the currency and credit transmission mechanisms, improving the quality and efficiency of finance's serving the real economy, promoting stabilizing employment, stabilizing finance, stabilizing foreign trade, stabilizing foreign investment, stabilizing investment, and stabilizing expectation, and achieving virtuous circulation of finance and real economy. You are hereby notified of the relevant requirements as follows: | | 为深入贯彻党中央、国务院决策部署，把防范化解金融风险和服务实体经济更好结合起来，在坚决打好防范化解金融风险攻坚战的同时，必须着力疏通货币信贷传导机制，提升金融服务实体经济质效，推动稳就业、稳金融、稳外贸、稳外资、稳投资、稳预期，实现金融与实体经济良性循环。现就有关要求通知如下： |
| I. Further smoothing the monetary policy transmission mechanisms to meet the effective financing needs of the real economy. According to the period and industry characteristics of production, construction and sales of enterprises, the loan terms and repayment methods shall be reasonably determined, the proportion of medium- and long-term loans shall be appropriately increased, and the evaluation indicators shall be reasonably determined so as to avoid financial strain of enterprises triggered by centralized expiry of loans at the same time, especially at the end of a month and the end of a season. For enterprises that meet the credit conditions but encounter temporary operational difficulties, financial support shall be granted continuously, and loans shall not be reduced or rescinded blindly. For the advanced growing manufacturing enterprises, the types of qualified collaterals shall be enriched, the guarantee and financing methods shall be innovated on, the rate of collateral mortgage or pledge shall be reasonably determined, and appropriate preferences shall be provided in terms of capital supply and loan interest rates. | | 一、进一步疏通货币政策传导机制，满足实体经济有效融资需求。根据企业生产、建设、销售的周期和行业特征，合理确定贷款期限、还款方式，适当提高中长期贷款比例，合理确定考核指标，避免贷款在同一时间特别是月末、季末集中到期而引发企业资金紧张。对符合授信条件但遇到暂时经营困难的企业，要继续予以资金支持，不应盲目抽贷、断贷。对成长型先进制造业企业，要丰富合格押品种类，创新担保和融资方式，合理确定抵质押率，在资金供给、贷款利率方面给予适当倾斜。 |
II. Vigorously developing inclusive finance, and strengthening financial services for micro and small enterprises, “agriculture, rural areas and farmers,” private enterprises, and other fields. Strong stability on the current market, stable earnings in the banking industry and the insurance industry, and other favorable conditions shall be fully utilized, the principle of “meager profit” shall be insisted on, the fund support for micro and small enterprises, “agriculture, rural areas and farmers,” private enterprises and other fields shall be increased, and the financing costs shall be reduced. For micro and small enterprises that still have financing needs upon expiry of working capital loans, loan investigation and review shall be carried out in advance; and where the standards and conditions are met, loan renewal shall be handled under the procedures, the interval between loans shall be shortened, and the loan turnover costs shall be reduced. For the leading private enterprises with outstanding main business, sound corporate governance, low debt ratio and relatively strong risk control ability, financing support shall be further increased, and their leading role in the industry shall be fully maximized so as to stabilize the production and business operation of upstream and downstream enterprises. Trust companies shall be encouraged to carry out charitable trust business and increase support for poverty alleviation, education, leftover children and other fields.
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