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Notice by the National Development and Reform Commission and the China Banking and Insurance Regulatory Commission of Further Conducting the Work Relating to the “Xinyidai” Loan Business to Support the Financing of Micro, Small and Medium-Sized Enterprises [Effective]
国家发展改革委、银保监会关于深入开展“信易贷”支持中小微企业融资的通知 [现行有效]
【法宝引证码】

Notice by the National Development and Reform Commission and the China Banking and Insurance Regulatory Commission of Further Conducting the Work Relating to the “Xinyidai” Loan Business to Support the Financing of Micro, Small and Medium-Sized Enterprises 

国家发展改革委、银保监会关于深入开展“信易贷”支持中小微企业融资的通知

(No. 1491 [2019] of the National Development and Reform Commission) (发改财金〔2019〕1491号)

The authorities taking the lead in the development of a social credit system of all provinces, autonomous regions, municipalities directly under the Central Government, and the Xinjiang Production and Construction Corps; all local offices of the China Banking and Insurance Regulatory Commission ("CBIRC"); the National Public Credit Information Center; and all policy banks, large banks, joint-stock banks, postal savings banks, and foreign-funded banks: 各省、自治区、直辖市、新疆生产建设兵团社会信用体系建设牵头部门、各银保监局,国家公共信用信息中心,各政策性银行、大型银行、股份制银行,邮储银行,外资银行:
For the purposes of thoroughly implementing the spirit of important speeches delivered by General Secretary Xi Jinping at a private enterprise symposium, effectively implementing the Law of the People's Republic of China on the Promotion of Small and Medium-sized Enterprises and the Several Opinions on Strengthening the Efforts to Serve Private Enterprises Through Finance and other legal and policy documents, further strengthening the sharing of credit information according to a series of specific arrangements of the CPC Central Committee and the State Council to address the problems of difficulty in and high costs of financing of micro, small and medium-sized enterprises, maximizing the application value of credit information, increasing financing support for trustworthy entities, and improving the quality and efficiency of serving the real economy through finance, you are hereby notified of the efforts to further conduct the work relating to the “Xinyidai” loan business to support financial institutions in their efforts to address the difficulty in and high cost of financing of micro, small and medium-sized enterprises: 为认真贯彻落实习近平总书记在民营企业座谈会上的重要讲话精神,落实《中华人民共和国中小企业促进法》和《关于加强金融服务民营企业的若干意见》《关于促进中小企业健康发展的指导意见》等法律、政策文件要求,按照党中央、国务院关于解决中小微企业融资难融资贵问题的一系列具体部署,进一步加强信用信息共享,充分发挥信用信息应用价值,加大对守信主体的融资支持力度,提高金融服务实体经济质效,现就深入开展“信易贷”工作,支持金融机构破解中小微企业融资难融资贵问题通知如下。
I. General requirements   一、总体要求
Further conducting the work relating to the “Xinyidai” loan business is an important measure to implement the requirements of the supply-side structural reform in the financial sector, which will help solve the financing problems of micro, small and medium-sized enterprises, unblocking the financial system and ensuring a virtuous circle in the real economy. All departments and financial institutions in all regions shall fully understand the significance of further conducting the work relating to the “Xinyidai” loan business, conduct active exploration and take the initiative to act, so as to effectively enhance financial services for micro, small and medium-sized enterprises by using credit information. The National Public Credit Information Center shall actively coordinate with the relevant departments and strengthen the integration and sharing of credit information to accelerate the building of a national comprehensive credit service platform for the financing of small and medium-sized enterprises. The leading departments of each region for the building of the social credit system shall conscientiously implement their territorial management responsibility and take measures in line with local conditions in an effort to advance the further improvement of the work relating to the "Xinyidai" loan business in the region. Financial institutions shall earnestly perform the duties of the first person responsible for serving micro, small and medium-sized enterprises, expand the size of the "Xinyidai" loan, and improve the sense of gain in policy of micro, small and medium-sized enterprises. 深入开展“信易贷”工作,是落实金融供给侧结构性改革要求的重要举措,有利于破解中小微企业融资难题,畅通金融体系和实体经济良性循环。各地区各部门及各金融机构要充分认识深入开展“信易贷”工作的重要意义,积极探索、主动作为,切实利用信用信息加强对中小微企业的金融服务。国家公共信用信息中心要积极协调有关部门,加强信用信息整合共享,加快建设全国中小企业融资综合信用服务平台。各地区社会信用体系建设牵头部门要认真落实属地管理职责,因地制宜采取措施,促进本地区“信易贷”工作成效进一步提升。金融机构要切实履行服务中小微企业第一责任人的职责,扩大“信易贷”规模,提高中小微企业的政策获得感。
II. Priority tasks   二、重点工作任务
1. Establishing and improve a mechanism to summarize, share, and inquire credit information. (一)建立健全信用信息归集共享查询机制。
The credit information on tax, market supervision, customs, justice, and water, power and gas supply fees as well as social security, housing accumulation funds payment and other fields shall be integrated through the national credit information sharing platform to connect isolated “islands” of information in the top-down approach and reduce the cost of bank information collection. The standards and specifications for credit information collection shall be improved, and the mechanism for automatic collection and real-time updates shall be improved to ensure the accuracy, timeliness and completeness of information collection. As needed by financial institutions, the scope of credit information collection shall be continuously expanded. Eligible regions shall be encouraged to build regional service platforms for the credit of small and medium-sized enterprises, which shall be connected to the national comprehensive credit service platform for the financing of small and medium-sized enterprises in appropriate ways, so as to alleviate the information asymmetry between banks and enterprises. 依托全国信用信息共享平台,整合税务、市场监管、海关、司法、水、电、气费以及社保、住房公积金缴纳等领域的信用信息,“自上而下”打通部门间的信息孤岛,降低银行信息收集成本。完善信用信息采集标准规范,健全自动采集和实时更新机制,确保信息归集的准确性、时效性和完整性。根据金融机构需求,持续扩大信用信息归集范围。鼓励有条件的地方建设地区性中小企业信用服务平台,选择合适方式对接全国中小企业融资综合信用服务平台,缓解银企信息不对称问题。
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