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央(yang)行等八部门出台(tai)指(zhi)导意见强化中(zhong)小微企业金融服务

2020-06-03

新华社北京6月(yue)1日电(记(ji)(ji)者(zhe)姚均芳、吴雨)记(ji)(ji)者(zhe)1日从中(zhong)国人民银行(xing)(xing)获悉,为推动金融(rong)(rong)支持(chi)政(zheng)策更好适应市场主体的需(xu)要,促进中(zhong)小微(wei)(wei)企业融(rong)(rong)资(zi)规模明(ming)显增长、融(rong)(rong)资(zi)结构更加优(you)化(hua),人民银行(xing)(xing)近(jin)日会同多部(bu)门出(chu)台(tai)指导意(yi)见强(qiang)化(hua)中(zhong)小微(wei)(wei)企业金融(rong)(rong)服务(wu)。

  近日,中(zhong)国人(ren)民银行会(hui)(hui)同银保监(jian)会(hui)(hui)、国家发(fa)展改革委、工(gong)业(ye)和信息化部、财政部、市场(chang)监(jian)管总局、证监(jian)会(hui)(hui)、外汇(hui)局出台《关于进(jin)一步(bu)强(qiang)化中(zhong)小(xiao)微(wei)企业(ye)金融(rong)服务的指导意(yi)见》,意(yi)见共包含30条政策措施。

  意见要(yao)(yao)求,全国性(xing)银(yin)行(xing)要(yao)(yao)合(he)理让利(li),确保中小微(wei)(wei)企业贷(dai)款覆盖(gai)面明显扩大,综合(he)融资成本明显下(xia)降。全国性(xing)银(yin)行(xing)内部转移定价优惠(hui)(hui)力度不低于50个基点,五家大型国有(you)商业银(yin)行(xing)普(pu)惠(hui)(hui)型小微(wei)(wei)企业贷(dai)款增(zeng)速高于40%,开发(fa)性(xing)、政策性(xing)银(yin)行(xing)要(yao)(yao)把3500亿元(yuan)专(zhuan)项信贷(dai)额度落实到位,以优惠(hui)(hui)利(li)率支(zhi)持(chi)中小微(wei)(wei)企业复工复产。商业银(yin)行(xing)要(yao)(yao)将普(pu)惠(hui)(hui)金融在分(fen)支(zhi)行(xing)综合(he)绩效考核中的(de)权重提升(sheng)至10%以上(shang),大幅增(zeng)加小微(wei)(wei)企业信用贷(dai)款、首贷(dai)、无(wu)还本续贷(dai)。

  意见(jian)表示(shi)将进一步放宽普(pu)惠型小(xiao)(xiao)微(wei)企(qi)业(ye)不良贷款容(rong)忍度,还就完善(shan)金融(rong)(rong)(rong)机(ji)构绩(ji)效(xiao)考核和发(fa)挥(hui)融(rong)(rong)(rong)资(zi)(zi)(zi)担(dan)保(bao)(bao)(bao)作用等方面提(ti)(ti)出(chu)了措施。要求建立健全(quan)商(shang)业(ye)银(yin)行(xing)小(xiao)(xiao)微(wei)企(qi)业(ye)金融(rong)(rong)(rong)服务监管评(ping)价(jia)、金融(rong)(rong)(rong)企(qi)业(ye)绩(ji)效(xiao)评(ping)价(jia)管理办法、政府(fu)性(xing)融(rong)(rong)(rong)资(zi)(zi)(zi)担(dan)保(bao)(bao)(bao)考核,强化(hua)外部考核激(ji)励机(ji)制。积极发(fa)挥(hui)地方政府(fu)性(xing)融(rong)(rong)(rong)资(zi)(zi)(zi)担(dan)保(bao)(bao)(bao)机(ji)构增信(xin)作用,大幅(fu)拓展政府(fu)性(xing)融(rong)(rong)(rong)资(zi)(zi)(zi)担(dan)保(bao)(bao)(bao)覆(fu)盖面并(bing)明显降低费率(lv)。2020年国家(jia)融(rong)(rong)(rong)资(zi)(zi)(zi)担(dan)保(bao)(bao)(bao)基金力争新增再担(dan)保(bao)(bao)(bao)业(ye)务规模4000亿元,与银(yin)行(xing)业(ye)金融(rong)(rong)(rong)机(ji)构开展批量担(dan)保(bao)(bao)(bao)贷款业(ye)务合(he)作,提(ti)(ti)高(gao)批量合(he)作业(ye)务中(zhong)风险责任分担(dan)比例至(zhi)30%。

  此外,意见还明确要发(fa)挥多层次资本市(shi)场(chang)融(rong)(rong)(rong)资支(zhi)持(chi)作用(yong)。引导网上真人平台下载app 信用(yong)类(lei)债券净(jing)融(rong)(rong)(rong)资比上年多增1万亿(yi)(yi)元,金融(rong)(rong)(rong)机构(gou)发(fa)行小(xiao)微(wei)企(qi)(qi)业专(zhuan)项金融(rong)(rong)(rong)债券3000亿(yi)(yi)元,释放更多资源用(yong)于支(zhi)持(chi)小(xiao)微(wei)企(qi)(qi)业贷款。支(zhi)持(chi)符合条件的中(zhong)小(xiao)企(qi)(qi)业上市(shi)融(rong)(rong)(rong)资,加快推进创业板改革(ge)并试点注册制。

    来源:新华网(wang)