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央行: 降低中小微企業融資綜合財務成本

作者:ly 來源:轉載 日期:2021-7-6 10:39:49 人氣:1 加入收藏 評論:0 標簽:

中國人民銀行關于深入開展中小微企業金融服務能力提升工程的通知

yinfa〔2021〕176hao


zhongguorenminyinxingshanghaizongbu,gefenxing、yingyeguanlibu,geshenghui(shoufu)chengshizhongxinzhixing,gefushengjichengshizhongxinzhixing;guojiakaifayinxing,gezhengcexingyinxing、guoyoushangyeyinxing、gufenzhishangyeyinxing,zhongguoyouzhengchuxuyinxing:

2020nianyilai,jinrongxitongjianjueguanchedangzhongyang、guowuyuanjuecebushu,qianghuawenqiyebaojiuyejinrongzhichi,shixianzhongxiaoweiqiyerongziliangzeng、miankuo、jiajiang、tizhi,weishitijingjihuifufazhantigongzhicheng。weijinyibutishengyinxingyejinrongjigouzhongxiaoweiqiye(hangetigongshanghu,xiatong)jinrongfuwunengli,qianghua“gandai、yuandai、nengdai、huidai”changxiaojizhijianshe,tuidongjinrongzaixinfazhanjieduangenghaofuwushitijingji,xianjiushenrukaizhanzhongxiaoweiqiyejinrongfuwunenglitishenggongchengyouguanshixiangtongzhiruxia:

一、大力推動中小微企業融資增量擴面,提質增效

(yi)kuodazhongxiaoweiqiyexindaitoufang。renminyinxinggefenzhijigouyaofahuizaidaikuanzaitiexiandenghuobizhengcegongjuzuoyong,yindaoyinxingyejinrongjigoujiadaduixiaoweiqiyedexindaitoufang。gulizhongxiaoyinxingyejinrongjigoufaxingxiaoweiqiyezhuanxiangjinrongzhaiquan,tuokuanzhixiaoxindaizijinlaiyuan。geyinxingyejinrongjigouyaozhulikuodapuhuijinrongfugaimian,chixuzengjiashoudaihu。tongshi,zaiheliguankongfengxianheshichanghuafazhihuayuanzexia,shidangjiadaduijingjiqianfadadiqudezhongxiaoweiqiyexindaizhichilidu。

(er)jiadaduigetigongshanghudengjingyingzhutidejinrongzhichilidu。geyinxingyejinrongjigouyaojixujiaqiangduigetigongshanghu、xiaodian、shangpu、xinxingnongyejingyingzhutidengwendingkuodajiuyezhongdianquntidejinrongzhichi,gongguwenqiyebaojiuyechengguo。yaojiehegetigongshanghudengjingyingzhutirongzixuqiutedianhedifangchanyetese,youhuaxindaichanpinfuwu。gulijingjianbandaihuanjie,jiaqiangxianshangfuwu,youhuadaikuanshenpishouxu,tigaogetigongshanghudengjingyingzhutiderongzibianlidu。

(san)shishihaoliangxiangzhidashitijingjidehuobizhengcegongju。renminyinxinggefenzhijigouyaoshishihaopuhuixiaoweiqiyedaikuanyanqizhichigongjuhepuhuixiaoweiqiyexinyongdaikuanzhichijihua,zhidaoxiaquneidifangfarenyinxingyejinrongjigouanshichanghuayuanzezhichishouxinguanfeiyanyiqingyingxiangdexiaoweiqiyehegetigongshanghudaikuanyanqihuanbenfuxi,zhuzhongshenhediyihuankuanlaiyuan,tishengxinyongdaikuanfafangnengli。

二、持續優化銀行業金融機構內部政策安排

(si)youhuapuhuijinrongziyuanpeizhi。geyinxingyejinrongjigouyaodanliexiaoweiqiyezhuanxiangxindaijihua,zaineibuziyuanshangjiadaduixiaoweiqiyedeqingxielidu,tongguoshixingneibuzijinzhuanyidingjiayouhui、anpaizhuanxiangjilifeiyongbutiedengfangshi,tigaofenzhijigouhexiaoweixindaicongyerenyuanduixiaoweiqiyedaikuandejijixing。

(wu)wanshanjixiaokaohejizhi。guliyinxingyejinrongjigoujiadaduifenzhijigoupuhuixiaoweidaikuandekaohebizhong。qianghuachayihuakaohe,duifuwuxiaoweiqiyechengxiaoxianzhudefenzhijigou,zaijixiaokaoping、ziyuanfenpeizhongyuyiqingxie,bingshidangxiafangshouxinshenpiquanxian;duifuwuxiaoweiqiyegongzuobulide,yaozaikaohezhongyuyitixianbingducuzhenggai。

(liu)luoshiluoxijinzhimianzezhidu。geyinxingyejinrongjigouyaojianlijianquanjinzhimianzezhidu,zhidingzhenduixingqiang、jubeikecaozuoxingdeshishixize,baozhangjinzhimianzezhiduyouxiaoluodi。jinyibutigaoxiaoweixindaicongyerenyuanmianzebili,shidangtigaobuliangdaikuanrongrendu,gulijianlizhengmianqingdanhefumianqingdan,mingquejiedingjicengyuangongcaozuoguifan,mianchuxiaoweixindaicongyerenyuandehouguzhiyou。

三、充分運用科技手段賦能中小微企業金融服務

(qi)jiadapuhuijinrongkejitouru。guliyinxingyejinrongjigoutongguodashuju、yunjisuan、qukuailiandengjinrongkejishouduan,tigaodaikuanxiaolv,chuangxinfengxianpinggufangshi,tuokuanjinrongkehufugaimian。dazhongxingyinxingyejinrongjigouyaoyituojinrongkejishouduan,jiakuaishuzihuazhuanxing,dazaoxianshangxianxia、quanliuchengdezhongxiaoweijinrongchanpintixi,manzuzhongxiaoweiqiyexindai、zhifujiesuan、licaidengzonghejinrongfuwuxuqiu。difangfarenyinxingyejinrongjigouyaojianshou“zhixiaozhinong”shichangdingwei,jiezhuxinxijishushouduanyouhuaxindaiyewuliucheng,gulikaifaxianshangchanpin,tishengzhongxiaoweiqiyejinrongfuwubianlidu。

(ba)chuangxintesexindaichanpin。geyinxingyejinrongjigouyaozhenduizhongxiaoweiqiyerongzixuqiuhetedian,chixugaijinhefengfuxindaichanpin。guliyinxingyejinrongjigouyudifangzhengxinpingtai、rongzifuwupingtai、disanfangzhengxinjigouhezuo,yunyongshuiwu、gongshangdengfeixindaixinxiyijizaibenyinxingdejiaoyijiesuandengxinxi,zonghepingjiazhongxiaoweiqiyexinyongshuiping,tigaoxinyongdaikuanfafangbili。

(jiu)tigaorongzibianlidu。zaiyouxiaokongzhifengxiandeqiantixia,yinxingyejinrongjigouyaokaifabingchixuwanshanwuhuanbenxudai、suijiesuihuandengdaikuanchanpin,tishengyongkuanbianlidu,jiangdizhongxiaoweiqiyerongzidezonghecaiwuchengben。dalituidonggongyinglianjinrongfuwu,guliyinxingyejinrongjigouyituorenminyinxingzhengxinzhongxinyingshouzhangkuanrongzifuwupingtai,weigongyinglianshangxiayouzhongxiaoweiqiyetigongrongzizhichi。

四、切實提升中小微企業貸款定價能力

(shi)chixushifangdaikuanshichangbaojialilv(lpr)gaigehongli。geyinxingyejinrongjigouyaojiangdaikuanshichangbaojialilvneiqiandaoneibudingjiahechuandaoxiangguanhuanjie,shutongneibulilvchuandaojizhi,shifangdaikuanshichangbaojialilvgaigecujinjiangdidaikuanlilvdeqianli,gongguxiaoweiqiyedaikuanshijililvshuipingxiajiangchengguo。

(shiyi)tishengdaikuanchayihuadingjianengli。geyinxingyejinrongjigouyaotigaojingxihuadingjiashuiping,jiehezishenzijinchengben、yewuchengben、fengxianchengben,zonghekaolvkehudezonghegongxian、kehuguanxidengyaosu,jianlidingjiamoxing。yaoshishigenjuxiaoweishichangzhutizizhi、jingyingzhuangkuangjidaikuanfangshi、qixiandengyinsu,jishidiaozhengdaikuanlilvshuiping,xingchengchayihua、jingxihualilvdingjiatixi,jiangdishichangzhutirongzichengben。

(shier)qianghuafuzhaichengbenguankongnengli。renminyinxinggefenzhijigouyaojiaqiangcunkuanlilvjianguan,chongfenfahuishichanglilvdingjiazilvjizhizuoyong,yindaoyinxingyejinrongjigouheliquedingcunkuanlilv,wendingfuzhaichengben。jiaqiangduihulianwangpingtaicunkuanheyidicunkuandeguanli,yifacongyanchuligaoxilanchudengweiguixingwei,tuidongjiangdizhongxiaoyinxingyejinrongjigoufuzhaichengben。

五、著力完善融資服務和配套機制

(shisan)kaizhanduocengcirongziduijiehuodong。renminyinxinggefenzhijigouyaojianlijianquanzhengyinqiduijiejizhi,yituodifangrongzifuwupingtaicujin“xianshang+xianxia”rongzi,jiaqiangzhengcexuanchuan、xinxicaiji、rongzifuwu、jianceyujingdeng。geyinxingyejinrongjigouyaojieheshiji,tongguozhudongzoufang、xianshangfuwupingtailinxuan、difangzhengfuzhuguanbumentuijie、yinqirongziqiatanduijiedengduozhongxingshi,goujianchangtaihua、bianjiehua、wangluohuayinqiduijiejizhi。

(shisi)jiakuaizhongxiaoweiqiyexinyongxinxigongxiang。renminyinxinggefenzhijigouyaojiaqiangyugongxin、keji、shichangjianguan、shuiwudengbumengoutongxiezuo,tuidongxiangguanshujutongguodifangzhengxinpingtaiduiyinxingyejinrongjigougongxiang,gulijianliyouzhizhongxiaoweiqiyexinxiku,cujinyinxingyejinrongjigouyuzhongxiaoweiqiyegaoxiaoduijie。

(shiwu)wanshanzhongxiaoweiqiyerongzipeitaojizhi。fahuirenminyinxingzhengxinzhongxindongchanrongzitongyidengjigongshixitongzuoyong,gaoxiaoshishidongchanhequanlidanbaotongyidengjizhidu。renminyinxinggefenzhijigouyaotuidongyoutiaojiandedifangjianlixudaizhongxin、shoudaizhongxin、quequanzhongxindengpingtai,tigongbianminliqifuwu。

六、保障措施

(shiliu)qianghuazhengcejiliyueshu。renminyinxinggefenzhijigouyaorenzhenkaizhanxiaoweiqiyexindaizhengcedaoxiangxiaoguopinggu,qianghuapinggujieguoyunyong,ducuyinxingyejinrongjigougaijinwanshanzhongxiaoweiqiyejinrongfuwu。yaojiadaduizhongxiaoweiqiyejinrongfuwuxianjinjingyanhetuchuchengxiaodexuanchuanbaodao,chixuyingzaojinrongfuwushitijingjidelianghaofenwei。

(shiqi)kaizhandifangrongzihuanjingpingjia。renminyinxinggefenzhijigouyaozaiqianqikaizhanzhongxiaoweiqiyerongzihuanjingpingjiashidiandejichushang,jinyibuyouhuarongzihuanjingpingjiatixi。zhongdianguanzhuyinxingyejinrongjigouneibuziyuanpeizhi、wanshankaohepingjia、jinzhimianzeluoshi、shoudaihutuozhan、suijiesuihuanchanpinchuangxindeng,yijidifangzhengfuzhongxiaoweiqiyexinyongxinxigongxiangjizhi、rongzidanbaohefengxianbuchangjizhiyijibudongchan、zhishichanquanheyingshouzhangkuandengjipinggujianshedeng,tuidongdifangyingzaolianghaorongzihuanjing。

(shiba)jiaqiangzuzhilingdaohegongzuoqingkuangbaosong。renminyinxinggefenzhijigouyaojiaqiangduixiaquneiyinxingyejinrongjigoudezuzhilingdao,renzhenluoshizhongxiaoweiqiyejinrongfuwunenglitishenggongchenggexiangyaoqiu,quebaoqudeshixiao。jishishulikunnandudian,shenrudiaoyanzhongxiaoweiqiyejingyingqingkuang、rongzitedian、shengmingzhouqi、daikuandingjia、fengxianguankongdengwenti,xingchengbaogaobaosongzongxing。


zhongguorenminyinxing

2021nian6yue30ri


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