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Notice on supporting efforts to guide financial institutions to increase credit extension to small and micro enterprises

　　(Yinbanfa [2018] No. 110)

In order to implement the People’s Bank of China、China Banking and Insurance Regulatory Commission、China Securities Regulatory Commission、 National Development and Reform Commission、Opinions on Further Deepening Financial Services for Small and Micro Enterprises jointly issued by the Ministry of Finance (Yinfa [2018] 162 Document No.)，The People's Bank of China decided to further improve credit policies to support re-lending、Rediscount management，Establish a positive incentive mechanism for refinancing and loan disbursement to small and micro enterprises，Support financial institutions to expand credit to small and micro enterprises，Promote reduction Financing costs for small and micro enterprises.

The relevant matters are hereby notified as follows:

一、Increase re-loan and re-discount quotas and increase national small-scale re-loan、Agricultural support re-loan and re-discount quota total 1500 100 million yuan，One of the small refinance loans、Re-lending and re-discount quotas to support agriculture are 50 billion yuan each，Specific quota arrangements will be notified separately。

2. Improve the re-loan management system for supporting small businesses

(1) Lower the small-scale refinancing interest rate by 0.5 Percentage points，The same interest rate as the agricultural support refinancing。After adjustment, the interest rate for small-scale refinancing is 3 months 2.45%、6 months 2.65%、1 year term 2.75%。

(2) Appropriately reduce the application conditions for small-scale refinancing，At the end of the previous year, the proportion of dafabet online betting websitelocal and foreign currency small and micro enterprise loans (including personal operating loans) was adjusted from no less than 30% to no less than 20%。

(3) Innovative re-loan granting model to support small businesses。The branches of the People’s Bank of China can choose the current borrowing first and lending later model when providing refinancing to financial institutions to support small businesses，You can also choose the new loan-first-borrow mode。Both models require financial institutions to establish loan desks Accounting system，Register loan object、Amount、Expiration、Interest rate、Purpose and other elements。

Financial institutions should increase loans to small and micro enterprises with a single credit of 5 million yuan and below,And individual industrial and commercial households、Small and micro enterprises Main operating loans (hereinafter referred to as inclusive caliber small and micro loans，Same as below)Support intensity，Small businesses that have received support from small refinancing Micro-enterprise loan interest rates must be significantly reduced。Under the current borrow-first-then-loan model，Financial institutions should give priority to small re-loan funds Used for inclusive small and micro loans。Under the new mode of lending first and borrowing later，Increasing balance of small and micro loans issued by financial institutions using their own funds to provide inclusive benefits，Apply to the local branch of the People’s Bank of China for small-scale refinancing。People's Bank of China branch After review by the agency，Refinancing support for small and micro enterprises will be provided based on a certain proportion of the new increase in the balance of small and micro loans under the inclusive caliber，Specific proportion The terms and conditions shall be determined by the People’s Bank of China’s provincial capital (capital) city central branch or above and the Shenzhen central branch based on actual conditions Situation Determination and Adjustment。If the financial institution’s inclusive small and micro loan balance decreases，Financial institutions should repay in advance the corresponding re-loans for small businesses that have declined。

3. Increase rediscount support for small and micro enterprises

Clear focus of rediscount support through bill selection，For small and micro enterprise bills and related documents with a face amount of 5 million yuan and below Farm Notes，As well as Dafabet reviewsdirect discount (financial institutions discount to enterprises) bills are given priority for re-discounting。Guide financial institutions to reduce the risk of small and micro enterprises Discount interest rate for commercial bills，For financial institutions supporting rediscount，The bill discount interest rate of small and micro enterprises that is required to handle rediscounted bills should be lower than the weighted average interest rate of the financial institution's small and micro enterprise bill discounts of the same grade in the same period。

4. Improve credit policies to support re-loan credit management

Adopt "one-time credit grant、Multiple issuance” mode，Guide financial institutions to apply for needs and reserve loan projects and customers in advance， Improving the efficiency of refinancing approval，Reduce the comprehensive cost of borrowing and refinancing for financial institutions。In principle，Financial institutions should re-loan funds after the borrowed credit policy supports the arrival 1 Complete the use of refinancing funds to issue loans within months，Maximum 2 months。Refinancing funds that have not been used to issue loans for more than 2 months，Recovery should be carried out in time。

5. Strengthen credit policies to support re-loan investment management

Financial institutions should use credit policies to support refinancing for specified purposes。During the period of borrowing agricultural support refinancing，The cumulative amount of agriculture-related loans issued should not be less than the cumulative amount of agricultural support re-loans borrowed;During the period of borrowing poverty alleviation and refinancing，Cumulative poverty alleviation The loan amount in poverty-stricken areas should not be less than the accumulated poverty alleviation re-loan amount;During the period of borrowing small loans,Cumulatively issued The amount of small and micro enterprise loans (including personal business loans) should not be less than the cumulative borrowed amount of re-loans to support small businesses (the loan first and then borrow new model is not applicable)。

6. Guide financial institutions to reduce the financing costs of small and micro enterprises

The branches of the People's Bank of China should strengthen the monitoring and evaluation of the interest rate pricing of small and micro loans by borrowing financial institutions，Guide borrowing financial institutions to reasonably determine the loan interest rate for small and micro enterprises in accordance with market-oriented dafabet online sports betting appprinciples，At the same time, the central bank must also lend money Preferential interest rate policies are effectively transmitted to small and micro enterprises，Reduce the comprehensive financing costs of small and micro enterprises。

7. Expand the scope of credit policy support for re-loan collateral

Credit policy supports refinancing. Qualified collateral accepted includes: Treasury bonds、Central Bank Bill、China Development Bank and policy bank financial bonds、Local Government Bonds、Not less than AA -level corporate credit bonds (including corporate bonds、Corporate Bond、 Medium term notes、Short-term financing bonds, etc.)、Small and micro enterprises not lower than AA level、Green and “agriculture, rural areas and farmers” financial bonds、Inside the Central Bank Credit assets (enterprise) rated "acceptable" (inclusive) or above，And positive ones that have not been internally (enterprise) rated by the central bank General inclusive small and micro loans and green loans。The branch of the People’s Bank of China where the financial institution’s legal person is located may be responsible for collateral management，Please see the attachment for details of the pledge rate。Standing Lending Facility Collateral Management shall be implemented on a mutatis mutandis。

8. Strengthen monitoring and assessment

The branches of the People’s Bank of China should consider the actual conditions within their jurisdiction，Actively explore refinancing、New model of rediscount management、New method， Further improve the positive incentive mechanism，Increase refinancing、Rediscount Fund Usage Efficiency，Guide to increase inclusive small and micro enterprises Loan，Reduce the comprehensive financing costs of small and micro enterprises，Easing financing difficulties for small and micro enterprises、The problem of expensive financing。Revised Refinancing、Post again Current operating rules，Improve accounting and other management methods，Strengthen refinancing、Rediscount investment direction monitoring，Ensure the legal use of funds,will Work with relevant departments to severely punish illegal use of funds、Illegal activities such as benefit transfer，Effectively prevent risks。People's Bank of China The branches above the central branch in the provincial capital (capital) city and the Shenzhen central branch must monitor and evaluate the implementation of the policy on a quarterly Dafabet reviewsbasis，Special Report Head Office。

This notice will be implemented from the date of issuance。If the previous relevant regulations are inconsistent with this notice，Subject to this notice。

General Office of the People's Bank of China

June 27, 2018