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| Notice of the General Office of the Ministry of Commerce on Further Directing and Supporting the Pawnshops to Effectively Provide Financing Services for Micro, Small and Medium-sized Enterprises | | 商务部办公厅关于进一步引导和支持典当行做好中小微企业融资服务的通知 |
| (Letter No. 6 [2015] of the General Office of the Ministry of Commerce) | | （政策商办流通函[2015]6号） |
| For the purposes of implementing the spirit of the relevant documents of the State Council on supporting the development of micro, small and medium-sized enterprises and resolving the financing difficulties of micro, small and medium-sized enterprises, fully maximizing the advantages of the pawnshops in financing for micro, small and medium-sized enterprises, and effectively providing financing services for micro, small and medium-sized enterprises, the relevant issues are hereby notified as follows: | | 为贯彻落实国务院关于支持中小微企业发展、解决中小微企业融资难问题的有关文件精神，充分发挥典当行在中小微企业融资方面的优势，做好中小微企业融资服务，现就有关事项通知如下： |
| I. Attaching importance to maximizing the role of the pawnshops in resolving the financing difficulties of micro, small and medium-sized enterprises | | 一、重视发挥典当行解决中小微企业融资难问题的作用 |
| Resolving the financing difficulties of micro, small and medium-sized enterprises and supporting the sound development of the micro, small and medium-sized enterprises is of significance to promoting the economic growth and increasing employment. As a part of China's diversified financing system, pawnshop is a useful supplement to the banking financial institutions and other mainstream financing channels. Financing for micro, small and medium-sized enterprises is featured by short term, small amount, high frequency, urgent needs, and lack of credit guarantee, while the features of financing by pawnshops including “short term, small amount, rapidity and flexibility” may better adapt to the financing needs of the micro, small and medium-sized enterprises, and play the important role of “defect remedy.” Currently, about 80% of the clients of pawnshops across the country are micro, small and medium-sized enterprises. The competent departments of commerce in all localities shall fully understand and further play the role of pawnshops in easing the financing difficulties of micro, small and medium-sized enterprises and promoting the development of the real economy, encourage and direct the pawnshops to further highlight the features of business operation, improve and innovate on the business operation model, and strive to improve the financing service level of micro, small and medium-sized enterprises. | | 解决中小微企业融资难，支持中小微企业健康发展，对于促进经济增长、增加就业具有重要作用。典当行作为我国多元化融资体系的组成部分，是银行业金融机构等主流融资渠道的有益补充。中小微企业融资期限短、金额小、频率高、需求急，缺乏信用保障，而典当行融资“短期、小额、快捷、灵活”的特点，能较好适应中小微企业的融资需求，发挥“拾遗补缺”的重要作用。目前，全国典当行业务对象约80%是中小微企业，各地商务主管部门要充分认识和进一步发挥典当行在缓解中小微企业融资难、促进实体经济发展方面的作用，鼓励和引导典当行进一步突出经营特色，完善和创新经营模式，努力提升中小微企业融资服务水平。 |
| II. Directing the pawnshops to further maximize their own advantages to effectively provide financing services | | 二、引导典当行进一步发挥自身优势做好融资服务 |
| (1) Encouraging pawnshops to provide faster services. Rapid financing service is a major feature of pawnshops' business operation. Compared to banks and other financial institutions, pawnshops have more advantages. Many pawnshops have adopted “lending within 24 hours for house pawn and lending within 1 hour for automobile pawn,” and “24-hour service,” to better meet the rapid financing needs of micro, small and medium-sized enterprises. The competent departments of commerce in all localities shall encourage pawnshops to further optimize the business process, shorten the lending time, support the production and business operation of micro, small and medium-sized enterprises, and effectively play the role of “responding to emergencies and resolving difficulties,” according to the features of micro, small and medium-sized enterprises including urgent financing needs, pressing time, and rapid turnover. | | （一）鼓励典当行提供更加快捷的服务。快捷的融资服务是典当行经营的一大特色，相比银行等金融机构更具优势，许多典当行采用“房屋典当24小时放款、汽车典当1小时放款”、“24小时全天候服务”的做法，较好满足中小微企业快速融资的需要。各地商务主管部门要鼓励典当行针对中小微企业融资需求急、时间紧、周转快的特点，进一步优化业务流程，缩短放款办理时间，支持中小微企业生产经营，发挥好“救急解难”的作用。 |
(2) Advocating the pawnshops to provide more flexible services. As the micro, small and medium-sized enterprises are featured by high liquidity of assets, lack of fixed assets and other collaterals, and relatively low general credit rating, it is relatively difficult for micro, small and medium-sized enterprises to obtain financing from pawnshops and other main channels. Featured by flexible pledge and mortgage methods, pawnshops may, according to various collaterals owned by the micro, small and medium-sized enterprises, flexibly provide pawn financing services. The competent departments of commerce in all localities shall actively direct the pawnshops to innovate on the business operation methods, firmly establish the client-oriented business operation concept, develop pawn collaterals according to the different characteristics of the micro, small and medium-sized enterprises, enrich the categories of pawns, encourage the pawnshops to actively provide pawn services of various movable property, immovable property, and property rights, and allocate the varieties of pawns in light of the reality of the micro, small and medium-sized enterprises, to more flexibly provide financing services for micro, small and medium-sized enterprises.
．．．．．． | | （二）倡导典当行提供更加灵活的服务。中小微企业经营资产流动性高、缺乏固定资产等抵押物，一般信用评级较低，较难从银行等主渠道获得融资，而典当行的经营特色就是质、抵押方式灵活，可根据中小微企业所拥有的各种质、抵押品灵活办理典当融资业务。各地商务主管部门要积极引导典当行创新经营方式，牢固树立以客户为中心的经营理念，根据中小微企业不同特点开发典当质、抵押品，丰富当物品类，鼓励典当行积极开展各类动产、不动产、财产权利典当业务，可根据中小微企业实际状况，组合配置当物种类，更加灵活地为中小微企业提供融资服务。
．．．．．． |
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