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Notice of the China Banking and Insurance Regulatory Commission, the Ministry of Finance, the People's Bank of China, and the Leading Group Office of Poverty Alleviation and Development on Further Regulating and Improving the Management of Microfinance for Poverty Alleviation
[Effective]
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中国银保监会、财政部、中国人民银行、国务院扶贫办关于进一步规范和完善扶贫小额信贷管理的通知
[现行有效]
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【法宝引证码】
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- Issuing authority：
Instrumentalities of the State Council,All Commissions,China Banking and Insurance Regulatory Commission,All Ministries,Ministry of Finance,All Banks,People's Bank of China,Other Institutions,Others,All Offices (others),State Council Leading Group Office of Poverty Alleviation & Development
- Document Number：
No. 24 [2019] of the China Banking and Insurance Regulatory Commission
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Date issued：
05-09-2019
- Effective date：
05-09-2019
- Level of Authority：
Departmental Regulatory Documents
- Area of Law：Civil Affairs,Banking & Finance
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| Notice of the China Banking and Insurance Regulatory Commission, the Ministry of Finance, the People's Bank of China, and the Leading Group Office of Poverty Alleviation and Development on Further Regulating and Improving the Management of Microfinance for Poverty Alleviation | | 中国银保监会、财政部、中国人民银行、国务院扶贫办关于进一步规范和完善扶贫小额信贷管理的通知 |
| (No. 24 [2019] of the China Banking and Insurance Regulatory Commission) | | （银保监发〔2019〕24号） |
| All local offices of the China Banking and Insurance Regulatory Commission (“CBIRC”); all finance departments (bureaus) of the provinces, autonomous regions and municipalities directly under the Central Government; the Shanghai Head Office of the People's Bank of China (“PBC”), all branches and business management departments of the PBC, and all central sub-branches of the PBC in capital cities of provinces (autonomous regions); all offices of the Leading Group Office of Poverty Alleviation and Development of the provinces, autonomous regions and municipalities directly under the Central Government; all policy banks, large-scale banks and joint-stock banks; and Postal Savings Bank of China: | | 各银保监局，各省、自治区、直辖市财政厅（局），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，各省、自治区、直辖市扶贫办（局），各政策性银行、大型银行、股份制银行，邮储银行： |
| In recent years, with the joint efforts of various regions, relevant departments, the banking industry and the insurance industry, microfinance for poverty alleviation has been steadily promoted and developed vigorously, which has achieved significant results in helping poor people to get rid of poverty, increasing the motivation of poor households, promoting the development of financial markets in poverty-stricken areas, and improving rural governance, among others. At present, the tough battle of poverty alleviation has ushered in a sprint period of cracking hard nut and storming a castle. To further develop microfinance for poverty alleviation, precise lending shall be improved to assist poverty-stricken households whose files and cards have been created in actively developing and producing to get rid of poverty and become rich; and regulated and improved management shall be promoted, to prevent and mitigate risks. Unilateral stress of the lending ratio of microfinance for poverty alleviation shall be avoided to prevent excessive debts of poverty-stricken households. According to the new situation, new tasks and new requirements, to further regulate the management of microfinance for poverty alleviation, effectively resolve the problems such as unspecified policy measures, imperfect risk compensation mechanism, and relatively large pressure of centralized repayment, promote the sound development of microfinance for poverty alleviation, and assist in winning the battle of precise poverty alleviation, you are hereby notified of the following matters: | | 近年来，在各地区、有关部门和银行业保险业的共同努力下，扶贫小额信贷扎实推进、蓬勃发展，在帮助贫困群众脱贫致富、增强贫困户内生动力、推动贫困地区金融市场发育、改善乡村治理等方面取得明显成效。当前，脱贫攻坚战已经进入啃硬骨头、攻坚拔寨的冲刺期，进一步发展扶贫小额信贷必须坚持两手抓、两促进，即一手抓精准投放，能贷尽贷，助力建档立卡贫困户积极发展生产脱贫致富；一手抓规范完善管理，防范化解风险，不片面强调扶贫小额信贷获贷率，避免贫困户过度负债。根据新形势新任务新要求，为进一步规范扶贫小额信贷管理，切实解决有关政策措施不具体、风险补偿机制不完善、集中还款压力较大等问题，促进扶贫小额信贷健康发展，助力打赢精准脱贫攻坚战，现将有关事项通知如下： |
| I. Insisting on and improving the policies for microfinance for poverty alleviation | | 一、坚持和完善扶贫小额信贷政策 |
| 1. Further specifying the key points of the policy. The policies for microfinance for poverty alleviation shall continue to insist in the key points of “lending up to 50,000 yuan on a three-year term without guarantee and mortgage, at benchmark interest rates, with financial discount and risk compensation from county-level funds.” The various policies for microfinance for poverty alleviation, extension, and renewal shall remain unchanged during the period of poverty alleviation. | | （一）进一步明确政策要点。扶贫小额信贷政策要继续坚持“5万元以下、3年期以内、免担保免抵押、基准利率放贷、财政贴息、县建风险补偿金”的政策要点。扶贫小额信贷及续贷、展期在脱贫攻坚期内各项政策保持不变。 |
| 2. Further specifying the objects to be supported and guaranteed. Microfinance for poverty alleviation shall mainly support the poverty-stricken households whose files and cards have been created (including poverty-stricken households that have gotten rid of poverty). During the period of poverty alleviation, under the premise of meeting the relevant conditions, a banking institution may conduct loan renewal or extension for poverty-stricken households; and under the premise of having paid off the small loans for poverty alleviation and meeting the conditions of refinancing, a banking institution may grant microfinance for poverty alleviation to poverty-stricken households for several times. | | （二）进一步明确支持保障对象。扶贫小额信贷主要支持建档立卡贫困户（含已脱贫的贫困户）。脱贫攻坚期内，在符合有关条件的前提下，银行机构可为贫困户办理贷款续贷或展期；在已经还清扶贫小额贷款和符合再次贷款条件的前提下，银行机构可向贫困户多次发放扶贫小额信贷。 |
| 3. Further specifying the purpose of loans. Microfinance for poverty alleviation shall adhere to lending to, using and repayment by households and be precisely used for the development and production of poverty-stricken households, other than non-productive expenditures such as marriage, building houses, wealth management, and purchasing household supplies, and shall not be collectively used for the government financing platform or production and operation companies. | | （三）进一步明确贷款用途。扶贫小额信贷要坚持户借、户用、户还，精准用于贫困户发展生产，不能用于结婚、建房、理财、购置家庭用品等非生产性支出，更不能集中用于政府融资平台、生产经营企业等。 |
| 4. Further specifying the terms of loans. Poverty-stricken households that file new applications for microfinance for poverty alleviation (including loan renewal and extension) must comply with disciplines and abide by laws, be honest and trustworthy, have no major bad credit records, and have full capacity for civil conduct; must pass banks' credit rating, have the willingness to apply for loans, and have necessary skills and certain repayment ability; and must use loan funds for industries and projects that do not violate laws and regulations, and have certain market prospects. Borrowers shall be not younger than 18 years old (inclusive) but not older than 65 years old (inclusive) in principle. Bank institutions shall comprehensively consider borrowers' conditions, loan purpose, risk compensation mechanism, and other situation, and make loan decisions on their own. | | （四）进一步明确贷款条件。新申请扶贫小额信贷（含续贷、展期）的贫困户，必须遵纪守法、诚实守信、无重大不良信用记录，并具有完全民事行为能力；必须通过银行评级授信、有贷款意愿、有必要的技能素质和一定还款能力；必须将贷款资金用于不违反法律法规规定的产业和项目，且有一定市场前景；借款人年龄原则上应在18周岁（含）-65周岁（含）之间。银行机构应综合考虑借款人自身条件、贷款用途、风险补偿机制等情况，自主作出贷款决定。 |
| II. Effectively meeting the needs of poverty-stricken households whose files and cards have been created for credit funds | | |
| 1. For poverty-stricken households that meet the loan conditions and have the willingness to apply for loans, the responsibilities of dividing up the work and assigning a part to each group shall be fulfilled. Institutions with local outlets shall be determined as the primary responsible banks by county or township, and list shall be maintained for management, to ensure granting loans as much as possible. The financial poverty alleviation service system at the county, township and village levels shall be further improved, the service level shall be enhanced, credit rating and granting shall be conducted accurately, pre-loan investigation process shall be optimized, and funds of microfinance for poverty alleviation shall be granted in a timely manner. | | （一）对符合贷款条件且有贷款意愿的建档立卡贫困户，要落实分片包干责任，以县或乡镇为单位，确定当地有网点的机构为主责任银行，实行名单制管理，确保能贷尽贷。要进一步完善县乡村三级金融扶贫服务体系，提高服务水平，准确评级授信，优化贷前调查流程，及时将扶贫小额信贷资金发放到位。 |
2. Under the premise of poverty-stricken households' voluntary participation in production and business operation, the method of cooperative development may be adopted, the funds of microfinance for poverty alleviation shall be used for characteristic advantaged industries that may effectively promote the poverty alleviation of the poverty-stricken households, manage loans in a regulated manner as required, and make poverty-stricken households be integrated into industry development and benefit from it in the long run.
．．．．．． | | （二）在贫困户自愿和参与生产经营的前提下，可采取合作发展方式，将扶贫小额信贷资金用于有效带动贫困户脱贫致富的特色优势产业，并按要求规范贷款管理，使贫困户融入产业发展并长期受益。
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