| Guiding Opinions of the People's Bank of China on Effectively Conducting Financial Precision Poverty Alleviation Work from 2019 to 2020 | | 中国人民银行关于切实做好2019年－2020年金融精准扶贫工作的指导意见 |
| (No. 124 [2019] of the People's Bank of China) | | （银发[2019]124号） |
| The Shanghai Head Office of the People's Bank of China ("PBC"); all branches and operations offices of the PBC; all central sub-branches of the PBC in capital cities of provinces (autonomous regions) and sub-provincial cities; China Development Bank; all policy banks, state-owned commercial banks, and joint-stock commercial banks; Postal Savings Bank of China; and the China Foundation for Development of Financial Education: | | 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；国家开发银行，各政策性银行、国有商业银行、股份制商业银行，中国邮政储蓄银行，中国金融教育发展基金会： |
| For the purposes of implementing the Guiding Opinions of the CPC Central Committee and the State Council on the Three-Year Action on a Successful Poverty Alleviation Endeavor, the Several Opinions of the CPC Central Committee and the State Council on Adhering to the Priority Development of Agriculture and Rural Areas and Effectively Conducting the "Agriculture, Rural Areas and Farmers" Work, and the decisions, arrangements and working requirements of the Central Rural Work Conference, being benchmarked and scheduled against the tasks and goals of finishing building a moderately prosperous society in all respects and securing a decisive victory in the poverty alleviation endeavor, focusing on the poverty alleviation endeavor, special groups, and public concerns, optimizing allocation of financial resources, innovating financial products and services, increasing financial support efforts, effectively preventing financial risks, and effectively conducting the financial precision poverty alleviation work from 2019 to 2020, the following opinions are hereby offered. | | 为贯彻落实《中共中央 国务院关于打赢脱贫攻坚战三年行动的指导意见》、《中共中央 国务院关于坚持农业农村优先发展做好“三农”工作的若干意见》和中央农村工作会议的决策部署和工作要求，对标对表全面建成小康社会和决战决胜脱贫攻坚任务目标，聚焦脱贫攻坚、聚焦特殊群体、聚焦群众关切，优化金融资源配置，创新金融产品和服务，加大金融支持力度，有效防范金融风险，切实做好2019年－2020年金融精准扶贫工作，现提出如下意见。 |
| I. Improving the transmission mechanism of monetary policies and guiding financial institutions in increasing credit extensions for poverty alleviation | | 一、改善货币政策传导机制，引导金融机构加大扶贫信贷投放 |
| 1. Maximizing the guiding role of re-lending for poverty alleviation. The pilot program of optimizing the pricing mechanism for the use of lending for poverty alleviation to grant loans shall be promoted across the whole country, and incorporated financial institutions in poverty-stricken areas shall be guided in raising the scientific pricing level of interest rates on loans. The management of re-lending for poverty alleviation shall be further improved, re-lending for poverty alleviation shall be better called into play in areas in extreme poverty, and financial institutions shall be directed to increase credit extensions in areas in extreme poverty. The management and effectiveness evaluation of re-lending for poverty alleviation shall be strengthened, and the efficiency of use shall be improved. | | (一)充分发挥扶贫再贷款引导作用。将优化运用扶贫再贷款发放贷款定价机制试点推向全国，引导贫困地区法人金融机构提升贷款利率科学定价水平。进一步改进扶贫再贷款管理，更好发挥扶贫再贷款在深度贫困地区的作用，引导金融机构增加深度贫困地区信贷投放。加强扶贫再贷款管理和效果评估，提高使用效率。 |
| 2. Actively directing the funds made available by targeted reduction in reserve ratios to be invested in poverty-stricken areas. The policy on targeted reduction in reserve ratios for inclusive finance shall be implemented, and financial institutions shall be encouraged to increase credit support for poverty-stricken areas and registered poverty-stricken populations. The evaluation of county incorporated financial institutions using a certain proportion of new deposits for local loans shall be strengthened, relatively low bank reserve ratios shall be applicable to eligible financial institutions, and more funds shall be directed to be invested in poverty-stricken areas. | | (二)积极引导定向降准释放资金投向贫困地区。落实普惠金融定向降准政策，激励金融机构加大对贫困地区和建档立卡贫困人口的信贷支持。加强县域法人金融机构新增存款一定比例用于当地贷款的考核，对符合条件的金融机构实施较低的存款准备金率，引导更多资金投向贫困地区。 |
| II. Promoting the effective integration of financial support and industry poverty alleviation and enhancing impetus for the development of poverty-stricken areas | | 二、促进金融支持与产业扶贫有效融合，增强贫困地区发展动力 |
| 3. Promoting poverty-stricken areas in enhancing financial resources' carrying capacity. Cooperation with poverty alleviation, agriculture, development and reform, and other authorities shall be strengthened, the sharing of information resources shall be kept unimpeded, and a connection platform for financial support for industry poverty alleviation shall be established, so as to facilitate financial support for industry development in poverty-stricken areas. Financial institutions shall reorganize customer resources, actively introduce high-quality industry poverty alleviation entities for poverty-stricken areas, assist poverty-stricken areas in cultivating characteristic and advantageous industries for poverty alleviation, and increase the added value of products. The expansion of consumption of products and services from poverty-stricken areas shall be encouraged, poverty-stricken areas shall be assisted in expanding sale channels for agricultural products, and products and services from poverty-stricken areas shall be promoted in being sold in other areas. | | (三)推动贫困地区增强金融资源承载能力。加强与扶贫、农业、发展改革等部门的合作，畅通信息资源共享，搭建金融支持产业扶贫对接平台，为金融支持贫困地区产业发展提供便利。金融机构要梳理客户资源，积极为贫困地区引进优质产业扶贫主体，帮助贫困地区培育特色优势扶贫产业，提高产品附加值。鼓励扩大贫困地区产品和服务消费，帮助贫困地区拓宽农产品销售渠道，推动贫困地区产品和服务“走出去”。 |
| 4. Innovating financial products based on industry characteristics. Focusing on characteristic industries in poverty-stricken areas, financial products and service methods shall be innovated, mortgages on usufruct on rural contracted land and those on forestry rights shall be properly advanced, and the scope of collaterals shall be expanded. Industry chain and supply chain finance such as pledging warehouse receipts and orders shall be actively promoted, and the development of characteristic breeding industries, agricultural products processing industries and the like shall be furthered. The use of information technology such as the Internet, big data, and cloud computing shall be strengthened, and credit extension shall be encouraged. Industry poverty alleviation demonstration sites shall be vigorously established, and carriers such as "enterprises assisting villages" shall be used to meet the demand for financial services by industry development in poverty-stricken areas. | | (四)结合产业特点创新金融产品。围绕贫困地区特色产业，创新金融产品和服务方式，稳妥推进农村承包土地的经营权抵押贷款、林权抵押贷款，拓宽抵押物范围。积极推广仓单、订单质押等产业链、供应链金融，促进特色种养业、农产品加工业等发展。加强互联网、大数据、云计算等信息技术运用，鼓励发放信用贷款。积极开展产业扶贫示范点创建，利用“万企帮万村”等载体，对接贫困地区产业发展金融服务需求。 |
| 5. Deepening the interest linkage mechanism for industry poverty alleviation. Financial institutions shall increase credit extensions to leading enterprises, farmers' cooperatives, and entrepreneurial and fortune-making leaders that have made outstanding achievements in leading the poverty-stricken population, and market participants and registered poverty-stricken households shall be supported in establishing a stable and interactive relationship of interest linkage by joint-stock cooperation, order-based assistance and other means. Loan products and support policies for industry poverty alleviation shall be improved, the line of credit, term and interest rates shall be determined according to factors such as the number of poverty-stricken households employed and helped by market participants, the use of loans, and the term of labor contracts signed, and interest on loans for poverty alleviation shall be subsidized according to rules. | | (五)深化产业扶贫利益联结机制。金融机构要加大对带贫成效突出的龙头企业、农民合作社、创业致富带头人的信贷投放，支持市场主体和建档立卡贫困户通过股份合作、订单帮扶等方式，建立稳定、联动的利益联结关系。改进完善产业扶贫贷款产品和支持政策，根据市场主体吸纳和带动建档立卡贫困户数量、贷款用途及签订劳务合同期限等因素，合理确定贷款额度、期限和利率水平，按规定给予扶贫贷款贴息。 |
| III. Focusing on areas in extreme poverty and increasing efforts to weight financial resources in their favor | | 三、聚焦深度贫困地区，加大金融资源倾斜力度 |
6. Vigorously meeting the reasonable financial needs of areas in extreme poverty. In accordance with the principles that new financial funds are first used to meet the needs of areas in extreme poverty and that new financial services are first arranged in areas in extreme poverty, support shall be increased from aspects such as extension of credit resources, establishment of outlets and service terminals, and financial knowledge training. All financial institutions shall, in light of their own business characteristics, select key projects and characteristic industries that effectively drive the development of poverty-stricken households to increase credit extensions. No effort shall be spared in achieving that the ratio of re-lending for poverty alleviation in areas in extreme poverty to that in the province in which the areas in extreme poverty are located is higher than the ratio for the same period of the previous year and that the growth rate of various loans is higher than the average growth rate of loans in the province.
．．．．．． | | (六)着力满足深度贫困地区合理金融需求。按照新增金融资金优先满足深度贫困地区、新增金融服务优先布局深度贫困地区的原则，从信贷资源投放、网点与服务终端布设、金融知识培训等方面加大支持力度。各金融机构要结合自身业务特点，选择有效带动贫困户发展的重点项目、特色产业增加信贷投放。力争实现深度贫困地区扶贫再贷款占所在省份扶贫再贷款的比重高于上年同期水平和各项贷款增速高于所在省份贷款平均增速。
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