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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不能给市场做人工呼吸》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 老婆觉得我剪头发浪费钱  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。
The scope of information that can be disclosed in accordance with laws and regulations shall be clearly specified, and the national credit information sharing platform may, according to the relevant information sharing protocol, push publicly available information to financial institutions. The national credit information sharing platform shall provide financial institutions with information push, credit report inquiry and other services in accordance with laws and regulations and the principle of public welfare. The development of specifications for credit report format shall be studied to establish the credit report authorization inquiry system. The inquiry processing process shall be regulated, and unauthorized access to credit reports is strictly prohibited. 明确可依法依规公开信息范围,全国信用信息共享平台可根据有关信息共享协议将可公开信息推送给金融机构使用。全国信用信息共享平台向金融机构提供信息推送、信用报告查询等服务,应当依法依规并按照公益性原则开展。研究制定信用报告格式规范,建立信用报告授权查询制度。规范查询办理流程,未经授权严禁查询信用报告。
2. Establishing and improving a credit evaluation system for micro, small and medium-sized enterprises. (二)建立健全中小微企业信用评价体系。
A comprehensive public credit evaluation system that is in line with the characteristics of micro, small and medium-sized enterprises shall be built based on the national credit information sharing platform to regularly push the evaluation results to financial institutions, thereby improving their risk identification ability. Credit reference agencies and credit service agencies shall be encouraged to provide credit products and services for micro, small and medium-sized enterprises in accordance with laws and regulations. Eligible financial institutions shall be encouraged to improve credit evaluation and risk management models for micro, small and medium-sized enterprises by using public credit information and relying on big data and cloud computing in a bid to optimize credit approval process, reduce operational and management costs, and improve lending efficiency and service convenience. 依托全国信用信息共享平台,构建符合中小微企业特点的公共信用综合评价体系,将评价结果定期推送给金融机构,提高金融机构风险识别能力。鼓励征信机构、信用服务机构依法依规提供针对中小微企业的信用产品和服务。鼓励有条件的金融机构使用公共信用信息,依托大数据、云计算等完善中小微企业信贷评价和风险管理模型,优化信贷审批流程,降低运营管理成本,提高贷款发放效率和服务便利程度。
3. Supporting financial institutions' innovating the “Xinyidai” loan products and services. (三)支持金融机构创新“信易贷”产品和服务。
Financial institutions shall be encouraged to connect to the national comprehensive credit service platform for the financing of small and medium-sized enterprises, innovate and develop the "Xinyidai" loan products and services, and intensify the promotion of the "Xinyidai" loan business model. Financial institutions shall be encouraged to reduce excessive reliance on mortgage guarantee and pledge guarantee by improving their risk management capabilities, thereby gradually increasing the proportion of credit loans in loans extended to micro, small and medium-sized enterprises. Financial institutions shall be encouraged to innovate the ways of extending additional loans to micro, small and medium-sized enterprises with good credit and normal operations in an attempt to their loan turnover cost. 鼓励金融机构对接全国中小企业融资综合信用服务平台,创新开发“信易贷”产品和服务,加大“信易贷”模式的推广力度。鼓励金融机构以提升风险管理能力为立足点,减少对抵质押担保的过度依赖,逐步提高中小微企业贷款中信用贷款的占比。鼓励金融机构对信用良好、正常经营的中小微企业创新续贷方式,切实降低企业贷款周转成本。
4. Innovating the disposal mechanism for the default risk of the "Xinyidai" loan. (四)创新“信易贷”违约风险处置机制。
Financial institutions shall be encouraged to establish an online enforceable notary mechanism based on fintech to speed up the resolution of debt disputes. Joint disciplinary actions shall be taken against dishonest debtors based on the national credit information sharing platform to severely crack down on malicious evasion and cancellation of debts and safeguard the legitimate rights and interests of financial institutions. 鼓励金融机构依托金融科技建立线上可强制执行公证机制,加快债务纠纷解决速度。依托全国信用信息共享平台对失信债务人开展联合惩戒,严厉打击恶意逃废债务行为,维护金融机构合法权益。
5. Encouraging local governments to introduce supportive policies on the "Xinyidai" loan. (五)鼓励地方政府出台“信易贷”支持政策。
Eligible regions shall be supported in their efforts to set up the "Xinyidai" special risk mitigation fund or risk compensation fund, led by government agencies, in which financial institutions and other market players jointly participate and whose risks they share. The special risk mitigation fund shall be used to make up for the economic losses caused by enterprise debt default and other dishonest behaviors when financial institutions conducting the “Xinyidai” loan business. More diversified measures to mitigate risks shall be encouraged based on local conditions. 支持有条件的地方设立由政府部门牵头,金融机构和其他市场主体共同参与、共担风险的“信易贷”专项风险缓释基金或风险补偿金,专项用于弥补金融机构在开展“信易贷”过程中,由于企业债务违约等失信行为造成的经济损失。鼓励根据本地实际出台更加多元化的风险缓释措施。
6. Strengthening the assessment incentive for the management of the "Xinyidai" loan. (六)加强“信易贷”管理考核激励。
On the basis of gradually enriching and improving the information resources of the national credit information sharing platform, efforts shall be made to study and develop the standards for the “Xinyidai” statistical statements. Financial institutions shall regularly submit statistical statements to financial regulators, which shall, together with the leading departments for the building of the social credit system, share statistical data with each other on a regular basis. 在逐步丰富完善全国信用信息共享平台信息资源的基础上,研究制定“信易贷”统计报表规范。金融机构应定期向金融监管部门报送统计报表,金融监管部门和社会信用体系建设牵头部门定期共享统计数据。
The special mechanism for evaluation of the work relating to the "Xinyidai" loan business shall be established, and the evaluation of financial institutions and local governments shall be carried out. The evaluation results of financial institutions shall be incorporated into the evaluation index system for financial service supervision of micro and small-sized enterprises, and the evaluation results of local governments shall be incorporated into the monitoring of urban credit standing. Work supervision and assessment shall be strengthened to advance in an orderly manner the effective implementation of the work relating to the “Xinyidai” loan business. 建立“信易贷”工作专项评价机制,并从金融机构和地方政府两个维度开展评价。金融机构评价结果纳入小微企业金融服务监管考核评价指标体系,地方政府评价结果纳入城市信用状况监测。加强工作督导和考核,有序推进“信易贷”工作落地见效。
III. Guarantee measures   三、保障措施
1. Establishing a coordination mechanism for the work relating to the “Xinyidai” loan business. (一)建立“信易贷”工作协调机制。
The National Development and Reform Commission and the China Banking and Insurance Regulatory Commission shall take the lead in setting up a coordination mechanism for the work relating to the “Xinyidai” loan business, establish and improve a system or mechanism for sharing credit information between the national credit information sharing platform and financial institutions, so that they may solve, in a coordinated manner, key and difficult problems in advancing the work, coordinate the implementation of the work relating to the “Xinyidai” loan business, and summarize work achievements in a regular basis. 国家发展改革委与银保监会牵头建立“信易贷”工作协调机制,建立健全全国信用信息共享平台与金融机构共享共用信用信息的体制机制,协调解决工作推进中的重点难点问题,协同推进“信易贷”工作切实落地,定期总结工作成效。
2. Ensuring data security. (二)保障数据安全。
The national credit information sharing platform, financial institutions and data source departments sign information confidentiality agreements, regulate the scope and methods of information sharing, and specify information confidentiality obligations and responsibilities. Technical support for data sharing and transmission shall be strengthened to enhance the security and protection capabilities of the national credit information sharing platform and the financial institution data system. 全国信用信息共享平台、金融机构与数据来源部门签订信息保密协议,规范信息共享共用范围和方式,明确信息保密义务和责任。加强数据共享传输技术保障,提升全国信用信息共享平台和金融机构数据系统的安全防护能力。
3. Safeguarding the rights and interests of relevant parties. (三)维护主体权益。
Except for the data that can be made available to the public according to laws and regulations, the data provided by the data source departments that involve trade secrets and personal privacy shall be authorized by enterprises or individuals before inquiry, processing, analysis and use. Entities that conduct data transmission and acceptance shall establish a system log to completely record information on, among others, data access and operation to avoid unauthorized operation, and establish a relevant system to hold the violators legally liable. 除依法依规可向社会公开的数据外,数据来源部门提供的涉及商业秘密和个人隐私的数据应当获得企业或个人授权后方可查询、加工、分析和使用。数据传输和接收单位应当建立系统日志,完整记录数据访问、操作等信息,避免越权操作,并建立相关制度对违反规定人员追究法律责任。
4. Strengthening risk prevention and control. (四)加强风险防控。
Financial institutions shall establish an integrated risk prevention and control system covering pre-loan, in-loan and post-loan scenarios to strengthen monitoring, early warning and early disposal. Banking institutions shall be encouraged to cooperate with insurance companies in credit guarantee insurance and other business to improve the risk-sharing mechanism. 金融机构应当建立覆盖贷前贷中贷后的一体化风险防控体系,加强监测预警和提前处置。鼓励银行业金融机构与保险公司开展信用保证保险等业务合作,完善风险分担机制。
5. Increasing publicity efforts. (五)加大宣传力度。
An all-round publicity of the “Xinyidai” loan business shall be carried out through the administrative service hall of the department, bank outlets, service hotline, and the website of Credit China, the portal website of the department or the entity, Weibo, WeChat or other channels or ways to improve enterprises and individuals' awareness of the “Xinyidai” loan business. Steps shall be taken to increase publicity of typical cases and outstanding achievements so as to strengthen demonstration and guidance and form a value orientation in the whole society that credit is valuable and keeping faith brings more benefits, thus creating a good credit environment and constantly expanding the social influence of the "Xinyidai" loan. 依托部门政务服务大厅、银行网点、服务热线、“信用中国”网站、部门和单位门户网站、微博微信等渠道和方式,对“信易贷”进行全方位宣传,提升企业和个人对“信易贷”的知晓度。加大对典型案例和突出成效的宣传,加强示范引领,在全社会形成守信受益、信用有价的价值导向,营造良好的信用环境,不断扩大“信易贷”的社会影响力。
National Development and Reform Commission 国家发展改革委
China Banking and Insurance Regulatory Commission 银保监会
September 12, 2019下跌你应该笑还是哭 2019年9月12日
     
     
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