People's governments of all counties (cities and districts), the management committee of Pingliang Industrial Park (Hi-tech Zone), the relevant departments of the municipal government, and the relevant units of the Chinese and provincial government in Ping:

In order to thoroughly implement the "Notice of the General Office of the People's Government of Gansu Province on the Issuance of the Implementation Plan of Gansu Province to Further To further implement the "Office of the People's Government of Gansu Province on the issuance of Gansu Province to further strengthen financial support for small and medium-sized micro-enterprise relief and development of the implementation of the program notice" (Gan Zhengban Fa 〔2022〕 No. 101), to further strengthen and deepen the small and medium-sized micro-enterprise financial services, to support small and medium-sized micro-enterprise relief and recovery and high-quality development, to stabilize the city's economic plate, the city of the city, combined with the actual situation, the following measures.

One, the establishment of a multi-level financial supply system, increase credit investment

(a) Increase the credit support for small and medium-sized micro-enterprises. The banking financial institutions should be combined with the city's actual situation, in accordance with the requirements of inclusive small and medium-sized enterprise loan growth rate, a single annual regulatory assessment under the caliber of small and medium-sized enterprise credit investment plan. Policy banks should give full play to the advantages of low interest rates and long maturity, and make comprehensive use of direct lending, sub-lending and "direct lending + sub-lending" mode to continuously increase the supply of credit to MSMEs. Large banks and joint-stock banks should increase their efforts in applying to the head office (branch) for a credit program for inclusive small and micro enterprises, strive for more inclusive credit lines for the city, and realize that the number of new small and micro enterprise corporate first-credit households for the year is higher than that of the previous year. Local corporate banks should take the service of small, medium and micro enterprises as an important strategic direction of their own restructuring and risk, transformation and development, and increase credit investment. Strive to achieve the banking industry in 2022, the interest rate of newly issued universal small and micro-enterprise loans decreased compared with 2021, to achieve the single-family credit less than 10 million yuan (including) universal small and micro-enterprise loans "two increase" target. [Responsible units: Pingliang Municipal Central Sub-branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office, each county (city and district) government and the management committee of Pingliang Industrial Park (Hi-tech Zone), each municipal financial institution and local legal person bank. The following tasks are required by the county (city, district) government, Pingliang Industrial Park (Hi-tech Zone) Management Committee and municipal financial institutions, local legal person bank is responsible for the implementation of]

(ii) reduce the cost of financing for small and medium-sized micro-enterprises. The loan interest rate pricing mechanism for MSMEs should dynamically reflect the trend of the loan market quotation rate (LPR), taking into account the qualifications of MSME market players, their business conditions, security methods, and loan tenure, to promote a steady decline in comprehensive financing costs. Strictly implement tax and fee support policies, and clean up unreasonable charges and illegal cost-shifting and disguised increase in comprehensive financing cost behavior. For small and medium-sized enterprises in industries and regions seriously affected by the epidemic, encourage the phased implementation of more favorable interest rates and service charges, reduce or waive the penalty and interest rates, and reduce the burden of enterprises in difficulty. (Responsible units: Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office, Municipal Market Supervision Bureau, Municipal Taxation Bureau)

(c) Enhance the availability of loans for small and medium-sized micro-enterprises. Increase credit product innovation, for the light asset characteristics of SMEs, actively promote inventory, warehouse receipts, accounts receivable, intellectual property rights and other movable assets and rights pledge financing business, reduce the excessive reliance on real estate and other traditional collateral, focus on increasing the proportion of credit loan issuance. For those MSME customers who are temporarily unable to obtain lending information due to the restrictions of the epidemic, but without affecting the risk judgment of each link, banks are encouraged to optimize the business handling process and improve the handling time. (Responsible units: Pingliang Municipal Branch of the Bank of China, Pingliang Branch of the Banking and Insurance Supervision Bureau, the municipal government financial office, the Municipal Market Supervision Bureau, the Municipal Federation of Industry and Commerce)

(d) Increase the support of financing guarantees. Encourage government financial guarantee institutions to increase support for small and medium-sized micro-enterprises affected by the epidemic, giving priority to the first loan households to provide security, eligible, with the cooperative bank to actively carry out the "see the loan that guarantee" "see the guarantee that loan" business, to promote the bank as soon as possible to put the guarantee loan. To meet the conditions, we should actively carry out the business of "guarantee at the sight of loan" and "guarantee at the sight of loan" with cooperative banks, so as to promote banks to put in guarantee loans as soon as possible. Governmental financial guarantee institutions should further expand the coverage of fee reductions and concessions, with the financing guarantee fee rate for single-family loans of 10 million yuan (inclusive) no higher than 1%, and the financing guarantee fee rate for single-family loans of more than 10 million yuan no higher than 1.5%. Re-guarantee fees for small, medium and micro enterprises, such as those in the service industry, which are seriously affected by the epidemic, will be halved, and re-guarantee fees will be exempted for individual industrial and commercial households of less than 500,000 yuan. Efforts will be made to optimize guarantee services for strong science and technology, industry and county actions, and to promote special products such as "government procurement guarantee", "high-tech guarantee" and "park guarantee". County (city and district) governments should implement the policy of subsidizing premiums for agricultural and small-scale guarantee business. (Responsible units: Municipal Government Finance Office, Municipal Finance Bureau, Municipal Industry and Information Technology Bureau, Municipal Science and Technology Bureau, Pingliang Banking and Insurance Supervision Branch)

(E) play the advantages of the insurance institutions to ensure financing. Insurance institutions should increase the insurance protection for small and medium-sized scientific and technological innovation enterprises, and provide credit enhancement support for small and medium-sized scientific and technological innovation enterprises to obtain financing. Actively explore the development of credit insurance, loan guarantee insurance, insurance for new industries and other products, and adopt the cooperative business model of "government + bank + insurance" with multi-party participation and risk-sharing, so as to increase the financing support for small and medium-sized micro-enterprises, individual industrial and commercial enterprises, and first-time entrepreneurs and other groups. Vigorously carry out insurance for agricultural products with advantageous characteristics, and improve the agricultural reinsurance system. Promote "insurance + futures" to increase the number of products and expand the coverage. (Responsible units: Pingliang Banking and Insurance Bureau, Municipal Government Finance Office, Municipal Science and Technology Bureau, Municipal Finance Bureau, Municipal Bureau of Ecology and Environment, Municipal Bureau of Agriculture and Rural Affairs, Municipal Bureau of Market Supervision)

(F) make good use of the financial subsidized interest policy. For eligible small and micro-enterprises to provide a maximum amount of 3 million yuan of guaranteed loans for entrepreneurship, the loan market quotation rate (LPR) minus 150 basis points below the portion borne by the borrowing enterprise, and the remaining portion of the fiscal subsidy. For production and business loans to enterprises engaged in the designated production of national trade and national special needs commodities, interest will be subsidized at a rate not higher than 2.88% of the loan principal. For small and medium-sized enterprises to obtain bank loans through the pledge of patent rights, after the enterprise pays back the principal and interest on schedule, the subsidy will be given according to 50% of the annual interest paid on the loan, and the maximum amount of interest subsidy for an enterprise will not be more than 200,000 yuan in a year. (Responsible units: Municipal Finance Bureau, Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Bureau of Human Resources and Social Affairs, Municipal Committee of Citizens' Religion, Municipal Market Supervision Bureau)

(VII) Use of the multilevel capital market. Dynamic adjustment of the proposed listing of the reserve enterprise resource base, increase the layered precision cultivation efforts to accelerate the pace of listing, and enhance the ability of the market to continue to develop. Support not yet reached the listing standards of growth-oriented enterprises in the "new three boards" and Gansu Equity Exchange Center listed financing. On the basis of prudently preventing and resolving the risk of bond defaults, support more enterprises to issue green bonds, dual-creation bonds, science and innovation bonds, rural revitalization bonds and other innovative varieties of bonds. Actively encourage and guide "specialized, special and new" enterprises to strive for direct investment in provincial industrial investment funds, follow-up investment. (Responsible units: Municipal Government Finance Office, Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government State-owned Assets Supervision and Administration Commission, Municipal Bureau of Finance, Municipal Development and Reform Commission)

(h) do a good job of deferring the debt servicing policy successor. The implementation of the implementation of the policy of deferred debt service for groups in difficulty, the deferred debt service date in principle does not exceed the end of 2022. The implementation of the deferment of debt repayment and interest payment for micro, small and medium-sized enterprises and self-employed businessmen, truck drivers' loans, and personal housing and consumer loans affected by the epidemic, to avoid blindly withdrawing, cutting off and suppressing loans. Deferred loans do not affect credit records and are exempt from penalty interest. Promote active credit and "repay as you go" mode, and increase loan support for catering, lodging, retail and other contact-type service industries. (Responsible units: Pingliang Municipal Central Sub-branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office)

Second, the implementation of differentiated financial services, improve the effectiveness of the allocation of credit resources

(ix) Cultivate and strengthen the main body of the small and medium-sized micro-enterprises. According to the regional, industrial and trade distribution of micro, small and medium-sized enterprises and individual industrial and commercial households, dynamic monitoring, tracking and research of their operations and life cycle conditions, cultivate and enhance the market activity, financial stability and business integrity of micro, small and medium-sized enterprises and individual industrial and commercial households. Actively support the transformation of individual industrial and commercial households of a certain scale into micro, small and medium-sized enterprises. Functional departments should actively play the function of enterprise cultivation, assist in guiding MSMEs to standardize their operation and management, take the initiative to make up for their own deficiencies, benchmark with the financing standards of financial institutions, improve the corporate governance structure, standardize the financial management, improve the operational efficiency, enhance the level of credit, and create conditions for financing. (Responsible units: Municipal Bureau of Industry and Information Technology, Municipal Market Supervision Bureau, Municipal Federation of Industry and Commerce)

(10) Actively planning and reserving projects for implementation. Increase the small and medium-sized enterprise project planning reserve declaration implementation efforts, use the full use of enterprise investment in industrial projects, standard land reform, enterprise investment project credit commitment system, such as "management and service" reform results, to take the lack of acceptance, simulation approval, regional assessment, on behalf of the service and the opening of a green channel to speed up the planning permission, Construction permits, land use, environmental assessment and other pre-approval procedures, in accordance with the law and regulations to accelerate the land acquisition, demolition and relocation, municipal support and other pre-construction preparatory work. Support financial institutions to intervene in the early stage of the project, timely grasp of the project financing needs, full participation in project planning and design, and improve the accessibility of project financing. (Responsible units: Municipal Development and Reform Commission, Municipal Bureau of Industry and Information Technology, Municipal Bureau of Natural Resources, Municipal Bureau of Ecology and Environment, Municipal Bureau of Housing and Urban Renewal)

(xi) do a good job of small and medium-sized micro-manufacturing enterprises in financial services. The focus is on increasing medium- and long-term credit investment in advanced manufacturing, strategic emerging industries, small and medium-sized micro-enterprises. We will actively improve the technology credit service model, develop exclusive financial products, launch exclusive protection programs, and explore new business models such as "loan + external direct investment" with external investment institutions on the premise of risk control. Support qualified "specialized, special and new" small and medium-sized enterprises to carry out bond financing. Encourage banking financial institutions to optimize financing, settlement and other financial services for upstream and downstream small and medium-sized enterprises around the 65 segmented industrial chains of industrial enterprises. (Responsible units: Municipal Bureau of Science and Technology, Municipal Bureau of Industry and Information Technology, Municipal Government Finance Office, Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch)

(xii) Strengthening of small and medium-sized micro-foreign trade enterprises financial services. Banking financial institutions should provide personalized, differentiated and precise cross-border financial services for small and medium-sized foreign trade enterprises. Reduce the threshold of foreign exchange hedging, focusing on strengthening the "first to do business", small and medium-sized foreign trade enterprises exchange rate hedging services. Small and medium-sized enterprises with "large number of transactions" and "good credit" should be included in the pilot program of facilitating trade foreign exchange receipts and payments of high-quality enterprises. Supporting insurance companies to increase the protection for the risk of order cancellation before shipment under the premise of controllable risk. Waive the inter-bank foreign exchange market transaction fees related to foreign exchange derivatives transactions for SMEs. (Responsible units: Pingliang Central Sub-branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Bureau of Commerce)

(xiii) Expanding financial coverage for new citizens, self-employed industrial and commercial enterprises, and other micro-entrepreneurs. Focusing on the new citizen group, for their entrepreneurship and employment, purchase of housing, education and training, medical care and old age protection and other aspects of the capital needs, enrich the supply of credit products, increase the strength of the insurance protection, to provide specialized and diversified financial services, reduce the cost of financing for the new citizens. Banking financial institutions should improve credit evaluation and credit management according to the production and operation characteristics of individual industrial and commercial households, and ensure that the loan balance and number of households of individual industrial and commercial households will continue to grow in 2022. For individual operators who are not required to apply for business licenses in accordance with relevant laws and regulations, financial support will be given to them as if they were individual businessmen. (Responsible units: Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Housing and Construction Bureau)

(xiv) Improvement of financial services in the field of housing. The implementation of differentiated housing credit policy according to the city, reasonable determination of the jurisdiction of the minimum down payment ratio of commercial personal housing loans, the minimum lending interest rate requirements, to support the rigid and improved housing demand. Reasonably determine the standard of first home mortgage loans for new citizens in line with the home purchase policy to meet their credit needs for home purchase. On the basis of risk-controllable, moderate increase in small and medium-sized construction enterprise loan support, to maintain financing continuous and stable. (Responsible units: Municipal Housing and Urban Development Bureau, the People's Bank of China Pingliang Municipal Central Branch, Pingliang Banking and Insurance Supervision Branch)

(xv) Efforts to improve the regional balance of financial resource investment. Banking institutions and insurance agencies should play the role of financial leverage on economic and social development, actively participate in strengthening characteristic industries, explore market potential, and appropriately tilt to poverty-stricken areas, ethnic areas, old revolutionary areas, and key counties of the country's rural revitalization support in terms of credit lines, comprehensive performance evaluation, and marketing expenses. Policy banks have increased the special quota to give key support to special types of areas. (Responsible units: Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, the municipal government financial office)

(p) Improve and perfect the financial support mechanism for anti-epidemic and disaster relief. Banking institutions and insurance agencies to improve the new crown pneumonia epidemic and other public health events and major natural disasters emergency response capacity, the establishment of flexible deployment of financial resources put in place a rapid response mechanism, in the credit financing, insurance claims, online services, technical protection and other aspects of the green channel to support the epidemic-affected areas and industries of small and medium-sized micro-enterprises in production self-help, relief and development. Municipal insurance organizations should report to the provincial company to explore the expansion of the insurance liability of relevant insurance products to the death or disability of new crowns as well as centralized quarantine daily allowance insurance. Commercial insurance products will be incorporated into the disaster prevention and relief system, promote the implementation of production safety liability insurance, and enhance the awareness and level of small and medium-sized enterprises to use commercial insurance to cope with the risk of disasters and accidents. (Responsible units: Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office, Municipal Health Commission, Municipal Emergency Response Bureau)

Three, strengthen the sharing and application of credit information, and improve the efficiency of enterprise financing

(xviii) Strengthening the collection and sharing of credit information related to enterprises. Sharing. It further integrates public credit information such as registration of market entities, administrative licenses, administrative penalties, judicial judgments and enforcement, lists of serious credit violators, honors, policy support, etc., and carries out the collection and sharing of information on tax payment, eco-environment, payment of social insurance premiums and housing provident funds, import/export, water, electricity and gas, real estate, intellectual property rights, and scientific and technological R&D, etc., in accordance with the law. Encourage enterprises to supplement and improve their information through real-name registration methods such as "voluntary reporting + credit commitment", smooth information sharing channels, break down "data barriers" and "information silos", and provide better services for financial institutions' credit assessment and risk management, and promote the expansion of the loan scale of small, medium and micro-enterprises. (Responsible units: Municipal Development and Reform Commission, Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office, Pingliang Municipal Central Sub-branch of the People's Bank of China, Municipal Industry and Information Bureau, Municipal Agricultural and Rural Affairs Bureau, Municipal Taxation Bureau, Municipal Market Supervision Bureau)

(xviii) Use the province's integrated financing credit service platform network. Support the city's eligible municipal and county-level financing credit service platforms to connect to the provincial nodes of the national financing credit service platform, and promote the access of banks, insurance, guarantee, credit services and other institutions to the provincial integration of financing credit service platforms, in accordance with the principle of public welfare, in accordance with the law and regulations to obtain credit information related to enterprises, and to solve the problem of asymmetry of the information of the banks and enterprises, and to promote the guidance of financial institutions to use the "Gansu" platform to grant credit. It has promoted and guided financial institutions to use the "Gansu Easy Credit" platform to grant credit and lend money, and continuously improved the coverage, availability and convenience of loans for small and medium-sized micro-enterprises. Counties (cities, districts), Pingliang Industrial Park (High-tech Zone) to continue to increase the "Gansu letter easy credit" platform publicity, widely mobilize small and medium-sized micro-enterprises under the jurisdiction and individual businessmen and women in the "Gansu letter easy credit" platform for the real-name registration, to expand the coverage of the market entities. Coverage, and strive to the end of the year micro, small and medium-sized enterprises and individually owned businesses "should be as far as possible into the". (Responsible units: Municipal Development and Reform Commission, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Pingliang Municipal Branch of the People's Bank of China, Municipal Bureau of Industry and Information Technology, Municipal Bureau of Market Supervision)

(nineteen) Accelerate the development of big-data financial products and applications. Banking institutions and insurance agencies should grasp the favorable opportunity to deepen the credit information sharing mechanism, for small and medium-sized micro-enterprises, individual businessmen and women, the characteristics of a large number of points, a wide range of large quantities, with big data financial technology means to analyze the production and operation of the enterprise and the credit situation, and actively build a "batch customer acquisition, accurate portrait, automatic approval, intelligent risk control, comprehensive services It actively constructs a digital inclusive model of "batch customer acquisition, accurate profiling, automatic approval, intelligent risk control and comprehensive service", utilizes online products to promote batch docking of market entities, and improves the credit assessment mechanism, credit evaluation model, business process and products, so as to enhance the risk management capability of credit approval. (Responsible units: Pingliang Banking and Insurance Supervision Bureau, Pingliang Municipal Branch of the People's Bank of China, Financial Office of the Municipal Government)

Fourth, improve the financial service mechanism, enhance the comprehensive service capacity

(xx) firmly set up the service of small and medium-sized micro-enterprise management Idea. Each county (city, district) government to play the grid management advantage, and banks, government guarantee institutions to jointly confirm the establishment of the epidemic impact on the operating difficulties of the relief enterprise list, the opening of "relief enterprise list + government financing guarantee + bank credit" relief guarantee fast loan channel. Financial institutions should continue to improve their financial services in accordance with the needs of small, medium and micro enterprises, further optimize the credit structure, enhance the suitability of financial supply and the needs of small, medium and micro enterprises, and establish and improve financial services for small, medium and micro enterprises to dare to lend willing to lend able to lend will lend long-term mechanism. (Responsible units: Pingliang Municipal Central Sub-branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Development and Reform Commission, Municipal Bureau of Industry and Information Technology, Municipal Bureau of Finance)

(21) Optimize and improve the system of due diligence and exemption from liability. Banks and governmental guarantee institutions are encouraged to appropriately increase the tolerance for non-performing loans in the accommodation, catering, retail, culture, tourism, transportation and other industries by no more than 3 percentage points during the specific time period affected by the epidemic. Financial institutions should explore simple, easy-to-use, objective and quantifiable due diligence determination standards and processes through the establishment of negative lists, the construction of complaint platforms, and the strengthening of public announcements, to guide the relevant positions to diligently perform their duties and to appropriately increase the proportion of exemptions and reductions; state-owned and state-controlled financial guarantee companies should formulate and submit for review due diligence implementation rules, and to promote the implementation of the due diligence system. (Responsible units: Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, the municipal government financial office)

(xxii) Innovative and precise financial service model. Financial institutions should strengthen the post-loan visits, docking, follow up to solve the small and medium-sized micro-enterprises exist in the "urgent difficulties, worries and hopes" financing problems. In light of the characteristics of MSMEs, they should set reasonable loan terms, optimize the loan process, and broaden the scope of collateral to facilitate financing for MSMEs. Strengthen the construction of exclusive service teams for SMEs and micro-enterprises, build an exclusive risk control system for SMEs and micro-enterprises, and better meet the financial service needs of SMEs and micro-enterprises. (Responsible units: Pingliang Municipal Branch of the People's Bank of China, Pingliang Banking and Insurance Supervision Bureau, Municipal Government Finance Office)

(xxiii) Provide non-credit financial services through various measures. Banking financial institutions to promote small and medium-sized enterprises simple account opening services, improve the account opening process, appropriate to simplify the auxiliary supporting documents and materials requirements. To be based on the real trade background and actual capital turnover needs of small and medium-sized micro-enterprises to carry out the bill financing business, strictly prohibit the discounting of bills without real trade background. Encourage financial institutions in the field of engineering and construction, bidding and other areas for eligible MSMEs to provide letters of guarantee and guarantee insurance to reduce the pressure on the enterprise margin account. (Responsible units: Pingliang Municipal Central Branch of the Bank of China, Pingliang Banking and Insurance Supervision Bureau, the municipal government financial office)

(xxiv) effectively strengthen risk management. Banking financial institutions to do a solid loan "three checks", strengthen internal control and compliance management, strictly prohibit the use of fictitious small and medium-sized micro-enterprise loans arbitrage, to prevent credit funds disguised as capital markets and government financing platforms and other macro-policy control areas. Encourage the disposal of non-performing loans to small, medium and micro-enterprises through write-offs and transfers in compliance with the law. Encourage county (municipal and district) governments to set up risk compensation funds and establish a mechanism for continuous replenishment of capital and risk compensation funds of governmental financing guarantee institutions. County governments should do a good job of transferring the risk compensation fund in a timely manner after the guarantee institutions have paid for the guarantee, and promote the sustainable development of governmental financing guarantee institutions. Strengthen the key industries affected by the epidemic, enterprise liquidity risk monitoring, early discovery, early disposal of secondary financial risk potential, to maintain economic and social stability. (Responsible units: Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Finance Bureau)

Five, cohesion to strengthen the protection of the responsibility to promote the implementation of the

(25) to create a good financial ecology. Accelerate the construction of a new credit-based regulatory mechanism in the financial sector, the comprehensive use of administrative, judicial, financial supervision and other means to increase the fight against malicious evasion of financial debt, to safeguard the legitimate rights and interests of financial institutions. County (city, district) governments should effectively fulfill their territorial responsibilities, establish a diversified mediation and disposal mechanism for financial disputes, and urge enterprises and financial institutions under their jurisdiction to negotiate on an equal footing, mitigate the risks of maturing debts in accordance with the principle of marketization and the rule of law, so as to create a good financial ecology. (Responsible units: Pingliang Municipal Central Sub-branch of the Bank of China, Pingliang Banking and Insurance Supervision Branch, Municipal Government Finance Office, Municipal Development and Reform Commission)

(xxviii) Strengthening supervision and leadership at all levels of classification. Financial regulators at all levels should seriously organize and carry out regulatory evaluation of commercial banks' financial services for small and medium-sized micro-enterprises, combining on-site inspections, statistical monitoring, window guidance and other regulatory means, and applying evaluation results throughout the entire process of supervision. Strengthen the supervision, inspection and special rectification of the implementation of policies on financial services for MSMEs in banking institutions and insurance institutions, standardization of operating fees and the quality of statistical data, etc., and seriously investigate and deal with violations of laws and regulations such as infringement of the rights and interests of MSMEs and data falsification. (Responsible units: Pingliang Banking and Insurance Supervision Bureau, Pingliang Municipal Branch of the People's Bank of China, the municipal government financial office)

(xxviii) clear responsibilities to promote the policy to achieve results. Development and reform at all levels, financial supervision, finance, industry, taxation and other departments to take the initiative to play as, to strengthen synergies, to play a good policy "combo punch", in the high-quality development of comprehensive performance evaluation, inclusive financial development demonstration area selection, evaluation of the business environment and other aspects of the initiative to act, the same direction to force. The Municipal Development and Reform Commission should strengthen coordination and promote the implementation of a package of economic stabilization policies and measures in place to further release the policy effect. The municipal government financial office, in conjunction with the Municipal Development and Reform Commission, the Municipal Bureau of Industry and Information Technology, the Municipal Finance Bureau, the Municipal Federation of Industry and Commerce, the Pingliang Municipal Branch of the People's Bank of China, the Pingliang Banking and Insurance Supervision Bureau, and other departments to convene regular enterprise financing docking sessions to coordinate the solution to the financing of small and medium-sized micro-enterprises, and to notify the growth of small and medium-sized micro-enterprises loans monthly. The Pingliang Municipal Central Sub-branch of the People's Bank of China and the Pingliang Branch of the Banking and Insurance Supervision Bureau shall strengthen supervision of the banks' SME credit investment, mechanism and system, product mode, standardized service and data quality. County (city, district) governments and Pingliang Industrial Park (High-tech Zone) Management Committee to strengthen the support of financial services for small and medium-sized micro-enterprises to promote financial assistance to enterprises to alleviate the difficulties of the policy to take effect. (Responsible units: Municipal Development and Reform Commission, Municipal Industry and Information Bureau, Municipal Finance Bureau, Municipal Taxation Bureau, Municipal Finance Office, Municipal Federation of Industry and Commerce, People's Bank of China Pingliang Municipal Central Sub-branch, Pingliang Banking and Insurance Supervision Branch)