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| Guideline of the People's Bank of China, the State Oceanic Administration, the National Development and Reform Commission, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the China Insurance Regulatory Commission on Improving and Strengthening Financial Services for the Development of the Maritime Economy | | 中国人民银行、国家海洋局、发展改革委、工业和信息化部、财政部、银监会、证监会、保监会关于改进和加强海洋经济发展金融服务的指导意见 |
| (No. 7 [2018] of the People's Bank of China) | | （银发〔2018〕7号） |
| For the purposes of implementing the significant strategic arrangements for "accelerating the building of a strong maritime country" as set forth at the 19th CPC National Congress, for "expanding the space for blue economy" in the 13th Five-Year Plan, and for advancing the building of the "Belt and Road," optimizing financial resources in an overall manner based on serving the real economy, improving and strengthening financial services for the development of the maritime economy on the premise of controllable risks and sustainable commerce, and promoting a shift of the maritime economy to the orientation of better quality and benefit, the following guideline is hereby offered: | | 为贯彻落实党的十九大“加快建设海洋强国”和“十三五”规划“拓展蓝色经济空间”、“推进‘一带一路'建设”的重大战略部署，立足服务实体经济，统筹优化金融资源，在风险可控和商业可持续的前提下，改进和加强海洋经济发展金融服务，推动海洋经济向质量效益型转变，现提出如下意见： |
| I. Banks' credit services | | 一、银行信贷服务方面 |
| 1. On the premise of compliance with regulatory policies, banking financial institutions with the right conditions shall be encouraged to establish business divisions for financial services for maritime economy, set up maritime fishing, ship and oceanographic engineering the equipment, shipping, ports, logistics, oceanographic science and technology, and other financial service centers or featured special operations offices, and provide favorable treatment in business authority, personnel assignment, financial resources, etc. The routine development of private banks shall be promoted in an orderly manner, and the capability of financial services of micro and small-sized enterprises in the key regions of the maritime economy shall be improved. | | （一）在符合监管政策的前提下，鼓励有条件的银行业金融机构设立海洋经济金融服务事业部，依法合规组建海洋渔业、船舶与海洋工程装备、航运、港口、物流、海洋科技等金融服务中心或特色专营机构，在业务权限、人员配置、财务资源等方面给予适度倾斜。有序推动民营银行常态化发展，提升对海洋经济重点地区小微企业的金融服务能力。 |
| 2. Banking financial institutions shall be encouraged to grant loans secured with the right to use sea areas and uninhabited islands according to the principles of controllable risks and business sustainability. The loans secured with ships and ocean-going ships under construction shall be vigorously furthered, and loans secured with fishing boats shall be promoted. The business of loans pledged or secured with ocean-related assets such as trust accounts for export tax refunds, warehouse warrants for aquatic products, wharfs, ship yards, and slipways shall be developed. | | （二）鼓励银行业金融机构按照风险可控、商业可持续原则，开展海域、无居民海岛使用权抵押贷款业务。积极稳妥推动在建船舶、远洋船舶抵押贷款，推广渔船抵押贷款。发展出口退税托管账户、水产品仓单及码头、船坞、船台等涉海资产抵质押贷款业务。 |
| 3. Use of consortium lending, portfolio lending, joint credit extension, and other modes shall be encouraged to support the building of maritime infrastructure and significant projects. Essential enterprises and supporting small and medium-sized enterprises of the marine industry that closely cooperate with each other shall vigorously provide industry chain financing. The "self-service and revolving" credit extension mode shall be vigorously and soundly promoted. | | （三）鼓励采取银团贷款、组合贷款、联合授信等模式，支持海洋基础设施建设和重大项目。对协作紧密的海洋产业核心企业和配套中小企业，积极开展产业链融资。积极稳妥推广渔民“自助可循环”授信模式。 |
| 4. Banking financial institutions shall be encouraged to optimize credit orientation and structure centering on the National Maritime Economic Development Plan. The credit support for scale-based and standard deep-sea aquaculture and deep-sea fishing enterprises and aquatic product further processing and cold chain logistics enterprises shall be intensified. Support and control shall be adhered to, and ship and oceanographic engineering equipment manufacturers on the "white list" and possessing core competitiveness shall be supported in priority. The fostering and development of maritime biological medicine, sea water desalination and comprehensive utilization, development and exploitation of new maritime energy resources, maritime electronic information services, and other emerging industries shall be accelerated at a faster pace, and the transformation of maritime scientific and technological achievements shall be promoted. Financial products and service modes in line with the characteristics of coastal tourism, maritime transport, and logistics parks in ports, among others, shall be vigorously developed. | | （四）鼓励银行业金融机构围绕全国海洋经济发展规划，优化信贷投向和结构。加大对规模化、标准化深远海养殖及远洋渔业企业、水产品精深加工和冷链物流企业的信贷支持力度。坚持有扶有控，重点支持列入“白名单”并有核心竞争力的船舶和海洋工程装备制造企业。加快推动海洋生物医药、海水淡化及综合利用、海洋新能源资源开发利用、海洋电子信息服务等新兴产业培育发展，促进海洋科技成果转化。积极开发适合滨海旅游、海洋交通运输业、港口物流园区等特点的金融产品和服务模式。 |
5. Banking financial institutions shall use the first repayment source of ocean-related enterprises as the main basis for credit approval. Collateral management shall be strengthened, collateral rates shall be reasonably determined, the effectiveness of registration of collaterals shall be ensured, and post-lending management and examination shall be enhanced so as to practically prevent, control and resolve credit risks in the maritime field.
．．．．．． | | （五）银行业金融机构应将涉海企业第一还款来源作为信贷审批的主要依据。加强押品管理，合理确定抵质押率，确保押品登记的有效性，强化贷后管理和检查，切实防控化解海洋领域信贷风险。
．．．．．． |
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