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| Notice by the State Taxation Administration and the China Banking and Insurance Regulatory Commission of Deepening and Regulating the “Bank-Tax Interaction” Work | | 国家税务总局、中国银行保险监督管理委员会关于深化和规范“银税互动”工作的通知 |
| (No. 113 [2019] of the State Taxation Administration) | | （税总发〔2019〕113号） |
| The offices of the State Taxation Administration (“STA”) in all provinces, autonomous regions, municipalities directly under the Central Government, and cities under separate state planning; all local special commissioner's offices of the STA; all local offices of the China Banking and Insurance Regulatory Commission; all large banks, and joint-stock banks; and Postal Savings Bank of China: | | 国家税务总局各省、自治区、直辖市和计划单列市税务局，国家税务总局驻各地特派员办事处，各银保监局，各大型银行、股份制银行，邮储银行： |
| For the purposes of implementing the decisions and arrangements of the CPC Central Committee and the State Council on optimizing the business environment, deepening the reform of “simplification of administrative procedures, decentralization of powers, combination of decentralization with appropriate control, and optimization of services,” strengthening the building of the credit system, among others, and better supporting the development of private economy and small and micro enterprises, and, according to the requirements of the Notice by the General Office of the State Council of Focusing on Enterprises' Concerns and Further Promoting the Implementation of Business Environment Optimization Policies (No. 104 [2018], General Office of the State Council), maximizing the important role of tax credit information in the building of the inclusive financial system, solving the financing problems of private enterprises and micro and small enterprises, strengthening data security management, protecting the legitimate rights and interests of enterprises, and promoting the positive and healthy development of the “bank-tax interaction”, you are hereby notified of the relevant matters on deepening and regulating the “bank-tax interaction.” | | 为深入贯彻落实党中央、国务院关于优化营商环境、深化“放管服”改革、加强信用体系建设等决策部署，更好支持民营经济和小微企业发展，按照《国务院办公厅关于聚焦企业关切进一步推动优化营商环境政策落实的通知》（国办发〔2018〕104号）要求，充分发挥纳税信用信息在普惠金融体系建设中的重要作用，破解民营和小微企业融资难题，加强数据安全管理，保护企业合法权益，促进“银税互动”积极健康发展，现就深化和规范“银税互动”有关事项通知如下： |
| I. Deeply tapping into the cooperation potential and maximizing the inclusive efficiency of “bank-tax interaction” | | 一、深挖合作潜能，充分发挥“银税互动”的普惠效能 |
| (1) Expanding the scope of enterprises benefiting from “bank-tax interaction.” Banking financial institutions (hereinafter referred to as “banks”) shall gradually expand the scope of enterprises benefiting from “bank-tax interaction” loans from enterprises of Grade A and Grade B in tax credit rating to enterprises of Grade M. | | （一）扩大“银税互动”受惠企业范围。银行业金融机构（以下简称“银行”）逐步将申请“银税互动”贷款的受惠企业范围由纳税信用A级和B级企业扩大至M级企业。 |
| (2) Actively promoting the direct connection of bank-tax data. All provinces shall, in light of the actual local circumstances, accelerate the advancement of the working mechanism for “province-to-province” direct connection of data between tax authorities and banks. The State Taxation Administration shall no longer expand the scope of the pilot program of direct data connection with head offices of banks. Tax authorities shall no longer sign new “bank-tax interaction” cooperation agreements (excluding agreements signed simply for the purpose of providing tax authorities with platform development and technical operation and maintenance services) with third parties, and those that have signed relevant cooperation agreements with third parties shall have the mode converted into the mode of direct connection with banks or banking and insurance regulatory authorities, and actively and steadily conduct the business connection with local banks or banking and insurance regulatory authorities during the conversion period to ensure that the normal business is not disconnected or interrupted. | | （二）积极推进银税数据直连。各省应结合本地实际情况，加快推进税务和银行之间“省对省”数据直连工作机制。税务总局不再扩大与银行总行数据直连试点范围。税务部门不再与第三方签订新的“银税互动”合作协议（单纯为税务部门提供平台开发和技术运维服务的协议除外），已经与第三方签订相关合作协议的，要尽快转换为与银行或银保监部门数据直连模式，积极稳妥地与当地银行或银保监部门做好转换期间的业务对接，确保正常业务不脱节、不中断。 |
(3) Innovating “bank-tax interaction” credit products. The taxation departments and banking and insurance regulatory authorities of all localities shall actively direct banks to focus on private enterprises and micro and small enterprises, and, according to the characteristics such as strong demand for and small amounts and rapid repayment of loans, optimize the credit approval process and innovate the credit products. The banking and insurance regulatory authorities of all localities shall organize in a timely manner banks to analyze the effectiveness of “bank-tax interaction” in reducing enterprises' financing costs, promote at appropriate time the design concepts and operating models of credit products which have been applied maturely, and enhance the quality and efficiency of the “bank-tax interaction” work. The banks of all localities shall actively promote the “online one-stop” handling of loan application, approval, credit granting, and lending through channels such as online banking to further improve the efficiency of “bank-tax interaction” services.
．．．．．． | | （三）创新“银税互动”信贷产品。各地税务、银保监部门要积极引导银行聚焦民营和小微企业，根据其贷款需求强、金额小、偿还快等特点，优化信贷审批流程，创新设计信贷产品。各地银保监部门要及时组织银行进行“银税互动”降低企业融资成本的效应分析，适时推广成熟适用的信贷产品设计理念和运行模式，提升“银税互动”工作质效。各地银行要积极推进通过网上银行等渠道，实现贷款申请、审批、授信、放贷“网上一站式”办理，进一步提高“银税互动”服务效率。
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