| Notice by the Shanghai Office of the China Banking and Insurance Regulatory Commission of Further Improving Epidemic Prevention and Control Work While Supporting Enterprises' Business Development and Ensuring the People's Living Standards | | 上海银保监局关于进一步做好疫情防控支持企业发展保障民生服务的通知 |
| (No.10 [2020] of the Shanghai Office of the China Banking and Insurance Regulatory Commission) | | （沪银保监通〔2020〕10号） |
| All banking and insurance institutions in Shanghai, the Shanghai Banking Association, the Shanghai Insurance Association, and the Shanghai Shipping Insurance Association: | | 在沪各银行保险机构、上海市银行同业公会、上海市保险同业公会、上海航运保险协会： |
| For the purposes of comprehensively implementing the decisions and arrangements of the CPC Central Committee and the State Council, earnestly fulfilling the spirit of the documents issued by the China Banking and Insurance Regulatory Commission such as the Notice of Strengthening Financial Services of the Banking and Insurance Industries to Closely Cooperate in Epidemic Prevention and Control of COVID-19 (No. 10 [2020], CBIRC) and the Notice of Further Strengthening Financial Support for Epidemic Prevention and Control of COVID-19 (No. 29 [2020], PBC), and further improving the quality and efficiency of epidemic prevention and control as well as financial services to support enterprises in resuming production in accordance with the requirements set forth in the Notice by the Shanghai Municipal People's Government of Issuing Several Policies and Measures of Shanghai Municipality for Sparing No Effort in Epidemic Prevention and Control as well as Supporting and Serving the Smooth and Sound Development of Enterprises(No. 3[2020] Shanghai Municipal Government), the relevant matters are hereby notified as follow: | | 为全面贯彻党中央、国务院决策部署，认真落实中国银保监会等《关于加强银行保险业金融服务配合做好新型冠状病毒感染的肺炎疫情防控工作的通知》（银保监办发〔2020〕10号）、《关于进一步强化金融支持防控新型冠状病毒感染肺炎疫情的通知》（银发〔2020〕29号）文件精神，结合《上海市人民政府关于印发上海市全力防控疫情支持服务企业平稳健康发展若干政策措施的通知》（沪府规〔2020〕3号）等要求，进一步提升疫情防控和支持企业恢复生产金融服务工作的质效，现将有关事项通知如下。 |
| I. General requirements | | 一、总体要求 |
| All banking and insurance institutions in Shanghai shall heighten their political stance, recognize the significance and urgency of winning the battle against the epidemic, take strong measures and active actions in their work, stay firm to implementing various decisions and arrangements of the CPC Central Committee and the State Council, perform political duties and social responsibilities in the battle, go all-out to fulfill various policies and measures issued by the competent administrative authorities and local governments, create necessary conditions for enterprises to resume operations and production, provide high-quality financial services to support the people's life and production, and join hands with them to weather the rough times. | | 在沪各银行保险机构要提高政治站位，深刻认识打赢疫情防控阻击战的重要性和紧迫性，强化工作措施，积极担当作为，坚决把党中央、国务院各项重大决策部署落到实处，在打赢疫情防控阻击战中履行好应尽的政治责任和社会责任，不折不扣执行好监管部门和地方政府出台的各项政策措施，创造条件支持各类企业复工复产，提供人民群众生产生活需要的金融高质量服务，同舟共济、共克时艰。 |
| II. Supporting leadership in taking active measures | | 二、加强领导主动作为 |
| 1. Motivating Party members to play a leading and active role: Chinese-funded banking and insurance institutions in Shanghai shall, under the leadership of the Party, effectively leverage the role of Party organizations in the financial sector in fighting the battle, stimulating the enthusiasm of Party members as role models, and take active steps to provide high-quality financial services to support enterprises' business development and the people's daily life. | | （一）以党建为引领，主动担当作为。在沪中资银行保险机构要以党建为引领，发挥好金融系统各级党组织的战斗堡垒作用，激发广大党员的先锋模范作用，主动作为，高质量做好支持企业发展和人民生活的金融服务工作。 |
| 2. Improving performance assessment and the financial service system during the epidemic prevention and control: At this critical moment, banking and insurance institutions in Shanghai shall take the overall situation into consideration, be ready to shoulder heavy responsibilities, have a deeper knowledge of the relationship between finance and the real economy, and between finance and the ordinary people, and move actively to fulfill their social responsibilities. Corporate institutions shall take the initiative to communicate with their principal shareholders, and their branches shall proactively contact the upper-level entities, with a view to improving the performance assessment system, provide greater support to the epidemic-related businesses in terms of internal pricing, moderately lower the ratio of profits in the assessment as well as the expected growth, and raise the ratios of not-for-profit indicators in the assessment, such as tolerance of non-performing loans, and social responsibility. In the meanwhile, the policies regarding distribution of profits and application of various reserves shall be adjusted according to the recent operations of the banking and insurance industries in Shanghai, and active methods shall be used to deal with the adverse effects posed by the epidemic on their operations and management. | | （二）改进绩效考核，完善疫情防控金融服务体系。在沪银行保险机构在关键时期要识大体、勇担当，深刻认识金融与实体经济、金融与百姓民生的鱼水关系，积极主动履行社会责任。法人机构要主动与主要股东进行沟通，分支机构要主动与上级单位联系，改进绩效考核体系，对疫情相关业务在内部定价方面进行倾斜支持，适当降低利润考核比重和预期增幅，提高不良容忍度、社会责任承担等非盈利指标在绩效考核中的比重。同时，根据近年来上海银行业保险业的良好经营情况，对利润分配、各类拨备运用政策进行调整，积极应对疫情对本单位经营管理带来的不利影响。 |
| III. Fully supporting enterprises in combating the epidemic | | 三、全力支持企业抗击疫情 |
| 3. Ensuring credit loans and reducing financing costs: Banking institutions in Shanghai shall accurately evaluate the impacts of the epidemic on enterprises' operations and management, take a number of measures to promote reasonable growth of credit loans granted to private enterprises and micro and small-sized enterprises, ensure that the growth rate of inclusive loans for micro and small-sized enterprises shall not be lower than that of other various loans, and strive to reduce the overall financing costs for inclusive loans for micro and small-sized enterprises by another 0.5 percentage point. | | （三）保障信贷投放，降低融资成本。在沪银行业机构要准确评估疫情对企业经营管理带来的影响，多措并举，推动对民营企业、小微企业的信贷投放合理增长，确保全年实现普惠型小微企业贷款增速不低于各项贷款平均增速，力争普惠型小微企业贷款综合融资成本再降低0.5个百分点。 |
4. Making separate credit plans to ensure that the fund needs of enterprises engaging in the epidemic prevention and control can be satisfied: Banking institutions in Shanghai shall make separate credit plans to ensure that sufficient credit loans will be granted to epidemic prevention enterprises and enterprises heavily affected by the epidemic. For micro and small-sized enterprises that demand more funds due to the outbreak, banking institutions in Shanghai shall take the initiative to increase the credit line for those that meet certain conditions without compulsorily requiring them to present new materials or take extra credit enhancement measures so that these enterprises may withdraw money at any time to meet their fund needs.
．．．．．． | | （四）单列信贷计划，确保满足防控疫情企业的资金需求。在沪银行业机构要单列信贷计划，确保有充足的信贷资源投向防疫企业与受疫情影响严重的企业。对于受疫情影响资金需求扩大的存量小微企业，符合条件的要主动增加授信额度，不强制要求额外提供新资料，不强制要求新增增信措施，可随时提款，满足企业的临时资金需要。
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