| Implementation Opinions of the Shanghai Head Office of the People's Bank of China on Further Strengthening Financial Services for Private Enterprises and Science and Technology Innovation Enterprises | | 中国人民银行上海总部关于进一步加强民营企业和科技创新企业金融服务的实施意见 |
| (No. 75 [2018] of the Shanghai Head Office of the People's Bank of China) | | （银总部发〔2018〕75号） |
| All the banking financial institutions in Shanghai: | | 上海市各银行业金融机构： |
| For the purposes of thoroughly implementing the spirit of General Secretary Xi Jinping's important instructions on the development of the private economy, conscientiously carrying out the strategic arrangement of the CPC Central Committee and the State Council that Shanghai shall accelerate its building of a globally influential science and technology innovation center, according to the spirit of the Opinions on Further Deepening the Financial Services for Micro and Small Enterprises (No. 162 [2018], PBC) issued by five ministries and commissions including the People's Bank of China, the Several Opinions on Comprehensively Enhancing the Vitality of the Private Economy and Vigorously Promoting the Sound Development of the Private Economy (No. 27 [2018], Shanghai CPC Municipal Committee) issued by the Shanghai CPC Municipal Committee and Municipal Government, and other documents, further improving the financial services for private enterprises and science and technology innovation enterprises, and guiding more financial resources in supporting the sound development of the private economy and the construction of science and technology innovation center in Shanghai, the following opinions are hereby offered: | | 为深入贯彻习近平总书记关于民营经济发展的重要指示精神，认真落实党中央、国务院关于上海要加快向具有全球影响力的科技创新中心进军的战略部署，根据中国人民银行等五部委《关于进一步深化小微企业金融服务的意见》（银发〔2018〕162号）和上海市委市政府《关于全面提升民营经济活力 大力促进民营经济健康发展的若干意见》（沪委发〔2018〕27号）等文件精神，进一步提升对民营企业、科技创新企业的金融服务水平，引导更多金融资源支持上海民营经济健康发展和科创中心建设，现提出以下意见： |
| I. Exploiting the guiding and supporting role of the central bank's monetary and credit instruments and boosting the confidence of private enterprises | | 一、发挥中央银行货币信贷工具导向支撑作用，增强民营企业信心 |
| 1. Maximizing the directional regulation and precision trickle irrigation of re-lending. A re-lending quota of not less than 10 billion yuan shall be focused on private and small and micro-sized enterprises in key fields such as science and technology innovation and advanced manufacturing, and efforts shall be made to stimulate financial institutions to use their own funds to further increase credit extensions. Financial institutions shall effectively transfer the preferential interest rate on re-lending to enterprises, and the weighted average interest rate on loans issued to private and small and micro-sized enterprises with re-lending funds shall be lower than the weighted average interest rate on loans of the same grade and the same period issued with other funds. | | （一）充分发挥再贷款定向调控、精准滴灌功能。将不少于100亿元的再贷款额度聚焦于科技创新、先进制造业等重点领域民营、小微企业，同时努力撬动金融机构运用自有资金进一步加大信贷投放。金融机构要切实将再贷款优惠利率传导至企业，运用再贷款资金发放的民营、小微企业贷款加权平均利率，要低于运用其他资金发放的同期同档次贷款加权平均利率。 |
| 2. Increasing support for commercial paper financing of private enterprises. There is no single-piece or aggregate amount restriction on the rediscounting of commercial papers issued by private enterprises, and the rediscounting of commercial papers issued by private enterprises of certain scale and enjoying an industry reputation shall be favored in priority. A green passage for the rediscounting of commercial papers issued by science and technology innovation enterprises shall be opened, and priority shall be given to the rediscounting of the low-value commercial papers (with a face value of 5 million yuan or less) issued by micro and small-sized scientific and technological enterprises. Efforts shall be made to achieve rediscounting of more than 15 billion yuan for private enterprises and micro and small-sized scientific and technological enterprises every year, so as to effectively transfer the preferential rediscounting policies of the central bank to private enterprises and micro and small-sized scientific and technological enterprises. | | （二）加大对民营企业票据融资支持力度。对民营企业票据再贴现不设单张和总额的限制，对有一定规模和行业知名度的民营企业票据再贴现重点倾斜。开通科技创新企业票据再贴现绿色通道，对科技型小微企业小额票据（票面金额500万元及以下）优先办理再贴现。力争每年办理民营企业和科技型小微企业再贴现超过150亿元，把央行再贴现优惠政策切实传导至民营企业和科技型小微企业。 |
| 3. Implementing the policy of "private enterprise bond financing support instruments." The forces of financial administrative authorities, government departments, financial institutions, and specialist bond market institutions shall be joined, and by various means such as creating credit risk mitigation tools and guarantees for credit enhancement, the bond financing of private enterprises in temporary difficulty, but competitive on markets, with promising prospects and technologies shall be supported as priorities. Financial institutions shall actively participate in the work relating to "private enterprise bond financing support instruments" and promote the effective implementation of the instruments in Shanghai. | | （三）落实“民营企业债券融资支持工具”政策。发挥金融管理部门、政府部门、金融机构、债券市场专业机构等多方合力，通过创设信用风险缓释工具、担保增信等多种方式，重点支持暂时遇到困难，但有市场、有前景、技术有竞争力的民营企业债券融资。金融机构要积极参与“民营企业债券融资支持工具”的相关工作，推动债券融资支持工具在上海有效实施。 |
| 4. Maximizing the guiding role of pledged supplementary lending. Developmental and policy-oriented financial institutions within the jurisdiction shall actively use pledged supplementary lending to increase credit extensions to key private and micro and small-sized enterprises in fields of science and technology innovation and foreign trade and effectively reduce financing costs for enterprises. The Shanghai Head Office shall, upon authorization by the head office, solidly and effectively conduct the off-site monitoring, on-site audit and effect assessment of pledged supplementary lending. | | （四）发挥好抵押补充贷款资金的引导作用。辖内开发性和政策性金融机构要积极运用抵押补充贷款资金加大对科创和外贸领域重点民营、小微企业的信贷投放，有效降低企业融资成本。人民银行上海总部将根据总行授权，扎实做好抵押补充贷款非现场监测、现场核查和效果评估工作。 |
| II. Broadening financing channels, innovating financing models, easing the financing difficulties faced by private enterprises and science and technology innovation enterprises, and striving to reduce financing costs | | 二、拓宽融资渠道、创新融资模式，缓解民营企业和科技创新企业融资难并努力降低融资成本 |
| 5. Actively promoting the application of accounts receivable financing service platforms. All financial institutions shall intensify the efforts to publicize the application of accounts receivable financing service platforms, promote the supply chain of core enterprises in joining the platform as a whole, strengthen the dovetailing of core enterprises with financial institutions and platform systems, and provide accounts receivable financing online in the whole process. Accounts receivable financing business for government procurement and inventory financing services shall be boosted to promote the financing of micro, small and medium-sized suppliers. | | （五）积极推动应收账款融资服务平台应用。各金融机构要加大应收账款融资服务平台的应用宣传力度，推动核心企业供应链整体加入平台，强化核心企业与金融机构、平台系统三方对接，开展线上全流程应收账款融资。推动开展政府采购应收账款融资业务和存货融资服务，促进中小微供应商企业融资。 |
| 6. Using the startup guarantee loan policy to serve entrepreneurs. The banks implementing the startup guarantee loan policy in Shanghai shall leverage policy-based guarantees and loan interest subsidy policies to serve entrepreneurs and startup enterprises and improve the availability of “first loan” for micro and small-sized science and technology innovation enterprises. For a startup guarantee loan of less than 500,000 yuan, the borrower is not required to secure the loan with a pledge; and the ceiling on the loan to an enterprise borrower shall be raised from 1 million yuan to 2 million yuan. All startup guarantee loan issuing banks shall effectively conduct the precision management and survey of the business, improve the business credit data reporting mechanism, and enhance service quality and efficiency. | | （六）利用创业担保贷款政策服务创业群体。鼓励上海市创业担保贷款政策经办银行充分利用政策性担保和贷款贴息政策，服务创业人群和初创企业，提高小微科创企业“首贷”可得性。对金额50万元以下创业担保贷款，无需借款人提供质押担保；企业借款人的贷款最高金额由原100万元提升至200万元。各创业担保贷款经办银行要做好业务精准管理、精准统计，健全业务征信数据报送机制，提高服务质量和效率。 |
7. Supporting science and technology innovation enterprises in raising financing by issuing bonds. Under the framework of the Tripartite Agreement executed by the Shanghai Municipal Government, the National Association of Financial Market Institutional Investors and the Shanghai Head Office of the People's Bank of China, the efforts to support and serve the direct debt financing by advantageous innovative enterprises in the industries supported by the state in priority and qualified science and technology innovation enterprises shall be increased. Financial institutions shall first support science and technology innovation enterprises in carrying out a pilot program of issuing debt financing instruments and innovative products and encourage such enterprises to revitalize existing assets through asset securitization and broaden financing channels. Financial institutions shall actively develop innovative products suitable for private placement such as private convertible commercial papers and credit-linked notes and promote pilot programs of embedding option in and structuring financing instruments, so as to provide differentiated financing products for science and technology innovation enterprises of various kinds and scale at different development stages.
．．．．．． | | （七）支持科技创新企业发债融资。在上海市政府、中国银行间市场交易商协会和人民银行上海总部签订的“三方协议”框架下，加大对国家重点支持产业中创新优势企业及符合条件的科技创新企业直接债务融资的支持服务力度。金融机构要优先支持科技创新企业开展债务融资工具和创新产品发行试点；鼓励科技创新企业通过资产证券化方式盘活存量资产，拓宽融资渠道。金融机构要积极发展定向可转票据、信用联结票据等适合定向发行方式的创新产品，推动开展融资工具含权化和结构化试点，为不同类型、不同规模科技创新企业在不同发展阶段提供差异化的融资产品。
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