| Notice by the General Office of the China Banking and Insurance Regulatory Commission of Further Improving the Financing Services for Micro and Small-sized Enterprises | | 中国银保监会办公厅关于进一步做好小微企业融资服务有关工作的通知 |
| (No. 108 [2018] of the General Office of the China Banking and Insurance Regulatory Commission) | | （银保监办发[2018]108号） |
| The preparatory groups of all local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”): | | 各银保监局筹备组，各政策性银行、大型银行、股份制银行，邮储银行，外资银行： |
| Since 2018, banking institutions have actively implemented the decisions, arrangements and regulatory policies of the CPC Central Committee and the State Council, continuously increased financial services for micro and small-sized enterprises, and achieved the overall “Two-sphere Growth and Two-sphere Control” goal for the current stage with respect to loans to micro and small-sized enterprises. However, the recent fourth inspection conducted by the State Council and relevant reports show that the financing situation for micro and small-sized enterprises remains grim, especially the difficulties in financing. For the purposes of solving, in a centralized way, the problems reported by all parties and continuously advancing the high-quality development of financial services for micro and small-sized enterprises in the banking sector, you are hereby notified of the related working requirements as follows: | | 2018年以来，银行业金融机构积极贯彻落实党中央、国务院决策部署和监管政策要求，持续加大小微企业金融服务力度，阶段性实现了小微企业贷款“两增两控”总体目标。但近期从国务院第四次大督查和有关反映情况来看，小微企业融资形势仍然严峻，尤其是“融资难”问题有所突显。为集中解决各方反映突出的问题，持续推动银行业小微企业金融服务高质量发展，现就有关工作要求通知如下： |
| II. Ensuring that the “Two-sphere Growth” goal for the credit to micro and small-sized enterprises is achieved for the full year | | 一、确保全年实现小微企业信贷“两增”目标 |
| Banking institutions shall strictly implement the inclusive credit plan for micro and small-sized enterprises listed separately at the beginning of the year to ensure that the loan growth rate and the number of enterprises receiving loans for the full year. In particular, the banks that lagged behind in implementing credit programs for the first half of the year shall strengthen self-inspection, and detail and fulfill the evaluation objectives and tasks to branches. The regulatory authorities at all levels shall strengthen statistical monitoring, window guidance and evaluation report, and hold banks accountable that fail to meet regulatory targets for the full year. Under the premise of ensuring that banking institutions within the jurisdictions meet the “Two-sphere Growth” goal for the full year, the banks that have continuously good performance in completing individual regulatory evaluation indicators and that have large loan base and high proportion of loans to micro and small-sized enterprises, and low balance per enterprise shall be allowed to calculate on a recovery basis the amounts of non-performing loans write-off and credit assets transfer of micro and small-sized enterprises when evaluating their “Two-sphere Growth” goals, in an attempt to encourage banks to take the initiative to effectively manage risks and free up more credit resources to support micro and small-sized enterprises. | | 银行业金融机构要严格执行年初单列的普惠型小微企业信贷计划，确保全年贷款增速和户数“两增”达标。特别是上半年信贷计划执行进度落后的银行，要加强自查力度，向分支机构细化、压实考核目标任务。各级监管部门要加强统计监测、窗口指导及考核通报，对全年未完成监管考核目标的银行严肃问责。在确保全年辖内银行业金融机构完成“两增”目标的前提下，对个别监管考核指标完成情况持续良好和小微企业贷款基数大、占比高、户均余额低的银行，允许考核其“两增”目标时将小微企业不良贷款核销、信贷资产转让等金额还原计算，鼓励银行主动管好风险、腾出更多信贷资源支持小微企业。 |
| II. Maintaining a sustained and stable policy on the credit extension to micro and small-sized enterprises | | 二、 |
Banking institutions shall make it clear that micro and small-sized enterprises that conform to the national innovation-driven strategy, industrial and environmental policies will be given top priority in financing support. For micro and small-sized advanced growth manufacturing enterprises, measures shall be taken to innovate the ways of guarantee and financing, enrich the types of qualified collaterals, and reasonably determine the rate of collateral mortgage or pledge. For micro and small-sized enterprises that meet the credit conditions but encounter temporary operational difficulties, loans shall not be reduced or rescinded blindly. Banking institutions shall strengthen their ability to control risks to effectively identify and manage the risks of loans to micro and small-sized enterprises. Also, they shall be adept at finding micro and small-sized growth enterprises and actively support them to reserve customer resources for their sustainable development.
．．．．．． | | 银行业金融机构要明确将符合国家创新驱动战略、产业和环保政策的小微企业作为重点融资支持对象。对成长型先进制造业小微企业，要创新担保和融资方式，丰富合格押品种类，合理确定抵质押率。对符合授信条件但暂时经营困难的小微企业，不得盲目抽贷、断贷。要加强自身风险管控能力建设，有效识别和管理小微企业贷款风险，要善于挖掘有成长性的小微企业，积极主动予以支持服务，为自身可持续发展储备客户资源。
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