| Guiding Opinions of the China Insurance Regulatory Commission, the Ministry of Industry and Information Technology, the Ministry of Commerce, the People's Bank of China and the China Banking Regulatory Commission on Vigorously Developing Credit Guarantee Insurance Services and Supporting Micro and Small Enterprises | | 中国保监会、工业和信息化部、商务部、人民银行、银监会关于大力发展信用保证保险服务和支持小微企业的指导意见 |
| (No. 6 [2015] of the China Insurance Regulatory Commission) | | （保监发〔2015〕6号） |
| The competent departments of small- and medium-sized enterprise and the competent departments of commerce of all provinces, autonomous regions, municipalities directly under the Central Government, cities under separate state planning, and Xinjiang Production and Construction Corps; the Shanghai Head Office of the People's Bank of China (“PBC”); all branches and business management departments of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; all local offices of the China Banking Regulatory Commission (“CBRC”); all state-owned commercial banks and joint-stock commercial banks; Postal Savings Bank of China; all local offices of the China Insurance Regulatory Commission (“CIRC”); and all property insurance companies: | | 各省、自治区、直辖市、计划单列市及新疆生产建设兵团中小企业主管部门、商务主管部门，中国人民银行上海总部，各分行、营业管理部，各省会（首府）城市中心支行，各副省级城市中心支行，各银监局，各国有商业银行、股份制商业银行、邮政储蓄银行，各保监局，各财产保险公司： |
| Micro and small enterprises, as the important base for national economic and social development, play an extremely important role in stabilizing growth, increasing employment, promoting innovation, creating a thriving market, satisfying the needs of the people and other aspects. To play the role of credit guarantee insurance in supporting the development of micro and small enterprises in a more effective manner, utilize the unique functions of insurance in credit enhancement and financing, support the development of the real economy, and promote the quality and efficiency enhancement and upgrading of economy, the following opinions are hereby offered. | | 小微企业是国民经济和社会发展的重要基础，在稳定增长、扩大就业、促进创新、繁荣市场和满足人民群众需求等方面发挥着极为重要的作用。为推动信用保证保险业务支持小微企业发展工作，运用保险特有的增信融资功能，支持实体经济发展，促进经济提质增效升级，现提出如下意见： |
| I. General Requirements | | 一、总体要求 |
| (1) Guiding thoughts. The spirit of the documents Several Opinions of the State Council on Accelerating the Development of the Modern Insurance Service Industry (No. 29 [2014], State Council) and the Guiding Opinions of the General Office of the State Council on Taking Various Measures Simultaneously to Focus on Alleviating the Problem of High Cost of Corporate Financing (No. 39 [2014], General Office of the State Council), credit guarantee insurance products shall be taken as the carrier, the business model shall be innovated, a sound development environment shall be created, reform and innovation shall be adhered to, and the enthusiasm of all participants shall be motivated so as to play the functions of credit guarantee insurance in financing and credit enhancement, and ease the financing difficulty and high financing cost of micro and small enterprises. | | （一）指导思想。贯彻落实《国务院关于加快发展现代保险服务业的若干意见》（国发〔2014〕29号）和《国务院办公厅关于多措并举着力缓解企业融资成本高问题的指导意见》（国办发〔2014〕39号）文件精神，以信用保证保险产品为载体，创新经营模式，营造良好发展环境，坚持改革创新，调动各方参与主体的积极性，发挥信用保证保险的融资增信功能，缓解小微企业融资难、融资贵问题。 |
| (2) Basic principles. Adhering to the principles of guidance by the government and support by policies. The guiding role of the government shall be played, a sound policy environment shall be created, and a multi-department coordination mechanism shall be established to support the development of micro and small enterprises. | | （二）基本原则。坚持政府引导、政策支持的原则。发挥政府的引导作用，创造良好的政策环境，建立多部门协调机制支持小微企业发展。 |
| Adhering to the principles of market operation and encouraging innovation. The decisive role of the market in the allocation of resources shall be played, market-oriented operation shall be adhered to, innovations in insurance products and services shall be encouraged, and service quality shall be improved. | | 坚持市场运作、鼓励创新的原则。发挥市场在资源配置中的决定性作用，坚持市场化运作，鼓励保险产品服务创新，提高服务质量。 |
| Adhering to the principles of risk prevention and prudent business operation. The advantages of risk management in the insurance sector shall be played, risk disposal process shall be optimized, risk disposal capability shall be enhanced, accountability shall be reinforced, and the bottom line of risks shall be guarded, so as to serve the development of micro and small enterprises in a sustainable and stable manner. | | 坚持风险防范、稳健经营的原则。发挥保险业风险管理的优势，优化风险处置流程，提高风险处置能力，强化责任追究，守住风险底线，持续稳定地服务小微企业发展。 |
| II. Innovating development methods. | | 二、创新发展方式 |
| (3) Innovating insurance products. Insurance companies are encouraged to cooperate with banks, and provide more flexible loan guarantee insurance products based on the loan repayment methods of micro and small enterprises. Insurance companies are encouraged to specify the risks of micro and small enterprises with independent brands, independent intellectual property rights and those in strategic emerging industries, among others, in such aspects as loans for business operation, credit sale in trade, prepayment, and contractual performance, and innovate and develop personalized and customized credit guarantee insurance products. The risk management advantages of insurance institutions shall be played, the provision of guarantee loan and guarantee insurance services to small- and medium-sized enterprises by financing guarantee institutions shall be explored, and the scale of services provided to micro and small enterprises in the insurance sector shall be enlarged. | | （三）创新保险产品。鼓励保险公司与银行合作，针对小微企业的还贷方式，提供更灵活的贷款保证保险产品。鼓励保险公司针对自主品牌、自主知识产权、战略性新兴产业等小微企业，细化企业在经营借贷、贸易赊销、预付账款、合约履行等方面的风险，创新开发个性化、定制化的信用保证保险产品。发挥保险机构风险管理优势，探索开展融资性担保机构中小企业担保贷款保证保险业务，扩大保险业服务小微企业规模。 |
(4) Innovating business models. All localities are encouraged to actively explore cooperative business models with credit insurance, loan guarantee insurance and other insurance products as major carriers, and the participation of and assumption of risks by the multiple parties of “government + banks + insurance” in consideration of their local actual circumstances.
．．．．．． | | （四）创新经营模式。鼓励各地结合当地实际情况，积极探索以信用保险、贷款保证保险等保险产品为主要载体，“政府＋银行＋保险”多方参与、风险共担的合作经营模式。
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