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Notice of the General Office of the China Banking Regulatory Commission on Promoting the High-Quality Development of Banking Financial Services for Micro and Small-Sized Enterprises in 2018 [Effective]
中国银监会办公厅关于2018年推动银行业小微企业金融服务高质量发展的通知 [现行有效]
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Notice of the General Office of the China Banking Regulatory Commission on Promoting the Quality Development of Banking Financial Services for Micro and Small-Sized Enterprises in 2018 

中国银监会办公厅关于2018年推动银行业小微企业金融服务高质量发展的通知

(No. 29 [2018] of the General Office of the China Banking Regulatory Commission) (银监办发[2018]29号)

All local offices of the China Banking Regulatory Commission ("CBRC"); all policy banks, large-sized banks, and joint-stock banks; postal savings banks; and foreign-funded banks: 各银监局,各政策性银行、大型银行、股份制银行,邮储银行,外资银行:
For the purposes of thoroughly implementing the spirit of the 19th CPC National Congress, the Central Economic Work Conference, and the National Financial Work Conference, focusing on ameliorating the problem of insufficient supply and unbalanced structure of financial services for micro and small-sized enterprises, and guiding the shift in the banking financial services for micro and small-sized enterprises from high-speed growth to high-quality development, the matters concerning further and effectively conducting the work on financial services for micro and small-sized enterprises in 2018 are hereby notified as follows: 为深入贯彻落实党的十九大、中央经济工作会议和全国金融工作会议精神,着力缓解小微企业金融服务供给不充分、结构不均衡的问题,引导银行业小微企业金融服务由高速增长转向高质量发展,现就2018年进一步做好小微企业金融服务工作有关事项通知如下:
I. General requirements   一、总体要求
Banking financial institutions shall be guided in strengthening support for the key fields of inclusive finance, with a focus on relatively disadvantaged groups among micro and small-sized enterprises. Since 2018, on the basis of the statistical indicator system for loans in key fields of banking inclusive finance, the focus of the evaluation shall be on micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan (including micro and small-sized enterprise loans, individual industrial and commercial household loans, and principal micro and small-sized enterprise loans, similarly hereinafter), and efforts shall be made to achieve the following objectives: (1) growth objectives: the year-on-year growth rate of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan is not lower than that of various loans, and the borrowers with loan balances are not less than those for the same period of the previous year; and (2) control objectives: the quality of micro and small-sized enterprise loan assets and the consolidated borrowing costs (including interest rates and charges for loan-related banking services) shall be reasonably controlled. 引导银行业金融机构加强对普惠金融重点领域的支持,聚焦小微企业中的相对薄弱群体。自2018年起,在银行业普惠金融重点领域贷款统计指标体系的基础上,以单户授信总额1000万元以下(含)的小微企业贷款(包括小型微型企业贷款+个体工商户贷款+小微企业主贷款,下同)为考核重点,努力实现“两增两控”目标:“两增”即单户授信总额1000万元以下(含)小微企业贷款同比增速不低于各项贷款同比增速,有贷款余额的户数不低于上年同期水平;“两控”即合理控制小微企业贷款资产质量水平和贷款综合成本(包括利率和贷款相关的银行服务收费)水平。
In order to implement the requirements of the Opinions of the CPC Central Committee and the State Council on Serving the Real Economy, and Preventing and Controlling Financial Risk, and Deepening Financial Reforms (No. 23 [2017], CPC Central Committee) for "ensuring that the growth rate of financial services for micro and small-sized enterprises, number of borrowers, and loan approval rates shall maintain at a reasonable level," the data on all types of micro and small-sized enterprises loans (to wit, principal loans to micro and small-sized enterprises under national standards, individual industrial and commercial households, and micro and small-sized enterprises, similarly hereinafter) shall continue to be collected and monitored in 2018, without being required for evaluation any longer. 为落实《中共中央 国务院关于服务实体经济防控金融风险深化金融改革的若干意见》(中发〔2017〕23号)“确保小微企业金融服务增速、户数、申贷获得率维持在合理区间”的要求,2018年将继续统计、监测全口径小微企业贷款(即国标小型微型企业+个体工商户+小微企业主贷款,下同)数据,但不再作为考核要求。
II. Implementing evaluation by classification, taking into account total growth and structural optimization   二、分类实施考核,兼顾总量增长和结构优化
1. Large-sized banks, joint-stock banks, and postal savings banks (一)大型银行、股份制银行和邮储银行
(1) Evaluation indicators: Efforts shall be made to achieve that "the year-on-year growth rate of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan is not lower than that of various loans, and the borrowers with loan balances are not less than those for the same period of the previous year." 1.考核指标:努力实现“单户授信总额1000万元以下(含)小微企业贷款同比增速不低于各项贷款同比增速,有贷款余额的户数不低于上年同期水平”。
(2) Differentiated evaluation: (a) For an institution whose balance of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan accounts for more than a certain proportion of various loans at the end of 2017, the evaluation requirements may be relaxed moderately, so as to ensure the achievement of the objective that "the balance and borrowers of small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan are not less than those for the same period of the previous year." (b) For a bank, which has established an inclusive financial business division under the Notice of the General Office of the China Banking Regulatory Commission on Issuing the Implementation Proposal for Medium and Large-Sized Commercial Banks Establishing Inclusive Financial Business Division (No. 25 [2017], CBRC), or a post savings bank oriented to serving micro and small-sized enterprises, "agriculture, rural areas and farmers," and urban and rural residents, it may be elected to expand the scope of evaluation as follows: micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan, inclusive loans to other organizations and individual (non-rural household) businesses, and rural household business inclusive loans with a total credit line for each borrower not more than 5 million yuan. 2.差异化考核:(1)对2017年末单户授信总额1000万元以下(含)小微企业贷款余额占其各项贷款比重超过一定比例的机构,可适度放宽考核要求,确保实现“单户授信总额1000万元以下(含)小微企业贷款余额和户数均不低于上年同期水平”。(2)已按《中国银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》(银监发〔2017〕25号)设立普惠金融事业部的银行和以服务小微企业、“三农”、城乡居民为定位的邮储银行,可选择将考核范围扩大为:单户授信总额1000万元以下(含)小微企业贷款和普惠型其它组织及个人经营性(非农户)贷款、单户授信总额500万元以下(含)的普惠型农户经营性贷款。
2. Local corporate institutions (二)地方性法人机构
(1) Entities subject to evaluation: urban commercial banks, private banks, rural commercial banks, rural credit cooperatives, rural cooperative banks, and village banks. 1.考核对象:城市商业银行、民营银行、农村商业银行、农村信用社、农村合作银行、村镇银行。
(2) Evaluation indicators: The corporate institutions within the jurisdiction of all local offices of the CBRC shall strive to generally achieve the objective of “the year-on-year growth rate of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan being not lower than that of various loans, and the borrowers with loan balances being not less than those for the same period of the previous year." 2.考核指标:各银监局辖内法人机构努力总体实现“单户授信总额1000万元以下(含)小微企业贷款同比增速不低于各项贷款同比增速,有贷款余额的户数不低于上年同期水平”。
(3) Differentiated evaluation: Under the premise that the corporate institutions within the jurisdiction generally achieve evaluation objective, the local offices of the CBRC may conduct differentiated assessment of corporate institutions whose balance of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan accounts for more than a certain proportion of various loans at the end of 2017. For a bank with its business focusing on the support for small-sized enterprises and rural affairs which has a lower balance of loans per borrower, it may be elected to expand the scope of evaluation as follows: micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan, inclusive loans to other organizations and individual (non-rural household) businesses, and rural household business inclusive loans with a total credit line for each borrower not more than 5 million yuan. 3.差异化考核:在辖内法人机构总体实现考核目标的前提下,银监局可对2017年末单户授信总额1000万以下(含)小微企业贷款余额占其各项贷款比重超过一定比例的法人机构作差异化考核。以支农支小为业务重心、户均贷款余额低的银行,可选择将考核范围扩大为:单户授信总额1000万元以下(含)小微企业贷款和普惠型其它组织及个人经营性(非农户)贷款、单户授信总额500万元以下(含)的普惠型农户经营性贷款。
3. Development banks and policy banks (三)开发银行及政策性银行
(1) Establishing no evaluation indicators but maintaining day-to-day monitoring and notification. The balance and borrowers of micro and small-sized enterprise loans with a total credit line for each borrower not more than 10 million yuan shall be mainly monitored. 1.不作指标考核,保持日常监测、通报。主要监测单户授信总额1000万元以下(含)的小微企业贷款余额、户数。
(2) Relevant requirements: Development banks and policy banks shall be supported in fulfilling their social responsibilities and exploring the supply of inclusive financial services through the business division mechanism. Development banks and policy banks shall be encouraged, based on institutional and business characteristics, to wholesale funds to banking financial institutions, in the form of on-lending, specifically in support of micro and small-sized enterprises. Both parties to the on-lending shall establish a separate wholesale fund account, implement ledger management, make an inventory of the borrowers, and avoid double counting; and strengthen the tracking and monitoring of the use of funds, so as to ensure that all wholesale funds are used to support micro and small-sized enterprises.
......
 2.相关要求:支持开发银行及政策性银行践行社会责任,探索以事业部机制开展普惠金融服务。鼓励开发银行及政策性银行结合机构和业务特点,以转贷形式,向银行业金融机构批发资金,专门用于支持小微企业。转贷双方均应建立单独的批发资金账户,实行台账管理,统计贷款投向明细,避免重复计算;加强对资金用途的跟踪监测,确保批发资金全部用于支持小微企业。
......

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