In order to deeply implement the spirit of the central financial work conference, in accordance with the "Provincial People's Government on the support of Qiandongnan Autonomous Prefecture "Lizhong Rong" to build docking into the Guangdong, Hong Kong and Macao Bay Area "bridgehead" of the implementation of the opinions" (Qianfu Fa [2022] No. 7), "the provincial local financial supervision bureau of the People's Bank of China Guiyang Central Sub-branch of the Guiyang Banking and Insurance Supervision Bureau Guiyang Securities Regulatory Bureau on the Notice on Financial Support for Qiandongnan Autonomous Prefecture's "Li Cong Rong" to Build a Bridgehead for Integration into Guangdong, Hong Kong and Macao Bay Area (Qianjin Supervision and Administration of Guizhou Province [2022] No. 6), and Notice on the Pilot Work of the Credit Evaluation System for Individual Industrial and Commercial Households and Microenterprises for Financial Inclusion in Qiandongnan Prefecture (Qianfu Fa [2022] No. 6). Enterprise credit evaluation system pilot work of the implementation of the views of the notice "(Qianjin service leading office hair [2023] No. 2) and other documents, in order to accelerate the construction of Qiandongnan individual business households and microenterprise credit evaluation system, give full play to the value of enterprise credit information application, accurate support for the development of financing for individual business households and microenterprises, combined with the actuality of the state, the development of this program.
I. Guiding ideology
Taking Xi Jinping's thought of socialism with Chinese characteristics in the new era as a guide, deeply implementing the general requirements of "doing a good job in science and technology finance, green finance, inclusive finance, pension finance, digital finance and five articles" put forward by the Central Financial Work Conference, innovating the financing service mode, cracking the financing problems of small, medium and micro enterprises, and increasing the number of private financial institutions. Small and medium-sized micro-enterprise financing problems, increase private enterprise support, and further service "bridgehead fort" regional market main body financing development, and promote the state to better integrate into the national regional major strategies and new development pattern.
Second, the main goal
Relying on Guizhou Province's big data integrated financial services platform (Guizhou Province, local credit platform, Guizhou Province, financing credit service platform) (referred to as the "Guizhou financial services platform") to promote the integration of credit information, financial subsidies, bank loans, the creation of the Qiandongnan County, the "Miao Ling universal credit", the "bridgehead fort" region. "In 2024, Qiandongnan strives to increase 10,000 registered users on the Guizhou Golden Service Platform, and to increase the number of registered users on the Guizhou Financial Service Platform, and to increase the number of registered users on the Guizhou Financial Service Platform, and to increase the number of registered users on the Guizhou Financial Service Platform. "In 2024, Qiandongnan State will strive to add 10,000 registered users to the Guizhou Golden Service Platform, with the total number of registered households reaching 24,000 or more, and the amount of credit granted by the platform will be 1.7 billion yuan, and the cumulative amount of credit granted by the platform will be 4.2 billion yuan or more, with the amount of new loans amounting to 1.22 billion yuan, and the issuance of annual interest rate subsidies of 5 million yuan.
Three key tasks
(a) Innovative digital inclusive service model. In the "Guizhou Golden Service Platform" created Qiandongnan financial area, innovative "credit evaluation + financial subsidized interest + bank loan" financing service mode, focusing on creating "Miao Ling universal loan" policy-oriented digital financial products, bringing together financial institutions to provide financial services. Digital financial products, bringing together financial institutions "Rong Yi Loan", "Bank Tax Loan", "Cigarette Business Loan", "Micro Loan" and "Merchant E Loan". "Merchant e-Loan", "Rural Revitalization Loan" and other market-oriented inclusive financial products, forming a new digital inclusive financial high ground with regional characteristics where multiple types of financial products converge to innovatively support the development of the real economy, a number of financial institutions participate, and a number of policies for benefiting enterprises are superimposed. (Leader: State Bureau of Finance; Responsible unit: People's Bank of Qiandongnan Prefecture Branch, the cooperative financial institutions, the people's governments of the counties [cities])
(2) Strengthen the collection and sharing of credit information. In accordance with the Notice of the General Office of the State Council on the Issuance of the Implementation Plan for Strengthening the Sharing and Application of Credit Information to Promote Financing for Small, Medium and Micro Enterprises (Guo Ban Fa [2021] No. 52) and the Work Program for Data Collection and Application of Guizhou Provincial Comprehensive Financial Service Platform for Big Data (Guizhou Provincial Local Credit Collection Platform) (Guizhou Financial Service Leader's Office Fa [2022] No. 1), we will carry out activities that aim at enhancing the service for individual businessmen and micro enterprises and at improving the development capability of micro enterprises. Starting from the ability to enhance the development of individual industrial and commercial households and micro-enterprises, and oriented to the demand for financing and development, and under the premise of complying with regulations in accordance with the law and ensuring information security, we fully utilize the data resources related to enterprises such as registration of market entities, administrative licenses, intellectual property rights, equity contributions, administrative penalties and so on in the "National Enterprise Credit Information Disclosure System" and rely on the "Guizhou Golden Service Platform" to provide the following information. "Guizhou Golden Service Platform" multi-dimensional collection of tax, social security, housing provident fund, judicial decisions and implementation, honor and recognition, science and technology research and development, water, electricity, gas, real estate and other areas of enterprise-related credit information, in accordance with the law and regulations to compile individual business households and micro-enterprises credit evaluation data information catalog, to crack the government, bank and enterprise information asymmetry, credit risk identification problems. (Lead unit: State Finance Bureau, State Big Data Bureau; Responsible unit: State Market Supervision Bureau, State Development and Reform Commission, State Bureau of Industry and Information Technology, State Taxation Bureau, People's Bank of Qiandongnan Prefecture Branch and related functional departments, the county [city] people's governments)
(c) Establishing a credit loan evaluation model. Relying on the credit evaluation function of "Guizhou Golden Service Platform" and centering on the advantageous featured industries and governmental data convergence advantage of Qiandongnan Prefecture, the credit loan evaluation model for individual industrial and commercial households and micro-enterprises was established, and individual industrial and commercial households and micro-enterprises in normal operation were classified into "developmental" and "growth" according to different credit ratings. Individual industrial and commercial households and microenterprises in normal operation are categorized into "developmental", "growth" and "survival" (i.e., grades A, B and C) according to different credit ratings. Under fair competition conditions, based on the credit evaluation results of the Guizhou Golden Service Platform, individual industrial and commercial households and micro-enterprises with credit evaluation of Grade A are prioritized to be sent to financial institutions, and cooperative banking institutions are guided to give credit loan support. Cooperative banking institutions are encouraged to optimize the credit loan approval process, compress the timeframe for credit approval, reduce financing costs, increase the credit limit for credit loans to individual business households and micro-enterprises and the proportion of first-time loan issuance, so as to improve the availability and convenience of credit for individual business households and micro-enterprises. (Lead unit: State Finance Bureau, State Market Supervision Bureau; Responsible unit: State Development and Reform Commission, People's Bank of Qiandongnan Prefecture Branch, State Financial Supervision and Administration Administration Qiandongnan Supervision and Administration Branch, the cooperative financial institutions, the counties [city] people's governments)
(d) Establishment of credit loan discount mechanism. Increase the support for enterprise financing, and provide loan subsidy support for individual industrial and commercial households and microenterprises with good credit status in line with the industrial policy guidance of Qiandongnan Prefecture. Based on the provincial modern service industry special funds, establish special funds for credit evaluation loan subsidy for individual industrial and commercial households and micro-enterprises in Qiandongnan Prefecture for financial inclusion. Individual industrial and commercial households and micro-enterprises that are stationed on the Guizhou Golden Service Platform and whose credit evaluations are A-rated can apply for loan subsidy policy, and the loan interest rate in principle does not exceed 120% of the quoted interest rate (LPR) of the same period of time in the loan market. Interest rate (LPR) of 120bp; according to not more than 1 year of the actual loan interest rate of 30% to give a one-time loan discount subsidy, single-family discount subsidy of no more than 40,000 yuan, to the provincial level of the total amount of special funds as a limit, while stocks last. (Lead unit: State Bureau of Finance; Responsible unit: State Market Supervision Bureau, State Development and Reform Commission, People's Bank of Qiandongnan Sub-branch, the people's governments of counties [cities])
(e) Improve credit guarantee and credit enhancement mechanism. Qiandongnan Digital Inclusive Financial Services Individual Business and Microenterprise Financing Development Leading Group Office regularly pushes the list of individual business and microenterprises with credit evaluation of A and B to the state-owned financial guarantee institutions under its jurisdiction, and encourages the state-owned financial guarantee institutions in the state to provide credit guarantees, with the annualized guarantee fee rate of no more than 2% and gradually reduced to less than 1%, so as to reduce the financing costs of individual business and microenterprises. (Lead unit: State Bureau of Finance; Responsible unit: People's Bank of Qiandongnan Branch, State Financial Supervision and Administration Bureau of Qiandongnan, state-owned financial guarantee institutions in the state [including provinces, states, counties], the county [city] people's government)
(F) Standardize credit incentives and repair mechanisms. Guiding credit evaluation for survival (C level) of individual businessmen and microenterprises to strengthen the credit consciousness, encourage the main body of credit failure, by making a credit commitment, completing the rectification of credit failure, credit verification, acceptance of thematic training, etc. to take the initiative to correct the bad credit, eliminate the consequences of the adverse impact, rebuild a good credit, to enhance the sense of integrity of the whole society, and to create a social atmosphere of honesty and trustworthiness. Guidance to strengthen the research and development of credit information service products, provide customized and accurate services according to the needs of individual businessmen and micro-enterprises, reduce the dependence on collateral guarantees, and gradually increase the proportion of credit in the loans for individual businessmen and micro-enterprises, so that finance can better support the development of market players. (Lead unit: State Development and Reform Commission, People's Bank of Qiandongnan Sub-branch; Responsible unit: State Market Supervision Bureau, State Finance Bureau, the people's government of each county [city])
(7) Encourage more credit loan support. For individual business households and micro-enterprises "unsecured" "asset-light" characteristics, the use of re-lending, re-discounting and other monetary policy tools, to guide financial institutions to strengthen the individual business households and micro-enterprises credit support, and continue to expand the proportion of credit loans. Encourage the strengthening of product and service innovation, promote the active authorization of credit, borrowing and repayment, non-repayable loans and other loan modes, and improve the quality and efficiency of financial services for individual businessmen and micro-enterprises. (Lead unit: People's Bank of Qiandongnan Prefecture Branch; Responsible unit: State Bureau of Finance, State Financial Supervision and Administration Qiandongnan Supervision and Administration Branch, the people's governments of the counties [cities])
Four, organizational security
(a) Strengthen organizational leadership. The establishment of Qiandongnan digital inclusive financial services individual businessmen and microenterprise financing development work leading group, leading group office located in the State Bureau of Finance. The state finance bureau should conscientiously fulfill the duties of the office, refine the objectives and tasks in conjunction with the actual work, formulate and introduce relevant supporting policies and measures in a timely manner, and be responsible for the collection of information on the credit evaluation of individual businessmen and microenterprises of Qiandongnan digital inclusive financial services, and do a good job of modeling, review and approval of the declaration of subsidies, work scheduling, publicity and other related work, so as to ensure that the development of digital inclusive financial services for individual businessmen and microenterprises of Qiandongnan digital inclusive financial services is advanced in an orderly manner. Financing and development work is advanced in an orderly manner. The people's governments of counties (cities) should improve the working mechanism in a timely manner compared to the state level, implement the work responsibilities, and pressurize the responsibility of each layer, and make every effort to grasp the implementation of the work.
(ii) Strengthen the use of publicity. The relevant functional departments of the state, the counties (cities) people's governments and the cooperative financial institutions to take a variety of forms, vigorously publicize the importance of Qiandongnan digital inclusive financial services for the development of financing for individual entrepreneurs and microenterprises. Led by the Office of the Leading Group, departments at all levels to increase the promotion and publicity within the industry, the effectiveness of the monthly phase of work should be summarized in a timely manner and to strengthen publicity and reporting, do a good job of publicity planning and financial services to the real economy results of the collection of materials, tell a good "financing story" of Qiandongnan, improve social awareness and platform utilization, create a better environment for the development of financial services for individual businessmen and micro-enterprises. The company is also working to create a favorable social environment that cares for the growth of individual entrepreneurs and micro-enterprises.
(3) Strengthen work scheduling. Leading group office monthly tracking, "airing" counties (cities), the work of the financial institutions to promote the situation, held a special meeting at the appropriate time to study the deployment of the people's governments of the counties (cities), the financial institutions to co-ordinate the work of the implementation of the relevant responsible units to give full play to their functions, and jointly coordinate and solve the key problems in the promotion of the work. Key difficulties and problems, and fully promote the development of Qiandongnan digital inclusive financial services for individual businessmen and micro-enterprise financing, to ensure that the work is timely and effective, and regularly summarize the effectiveness of the work.
Attachment: 1. Qiandongnan Prefecture Digital Inclusive Financial Services for Individual Businesses and Microenterprises Financing and Development Discount Rules
2. Slightly
3. Slightly
Attachment 1
Qiandongnan Prefecture Digital Inclusive Financial Services for Individual Businesses and Microenterprises Financing and Development Discount Rules
Appendix 1
The Provincial Modern Service Industry Special Funds for the year 2024 will arrange for 5 million yuan to be allocated to the provincial level from the provincial Modern Service Industry Special Funds. service industry special funds to arrange 5 million yuan for Qiandongnan Prefecture inclusive financial individual business households and microenterprises credit evaluation loan discount special funds. The annual loan discount special funds to the current year to seek funds for the limit, according to the loan situation to adjust the plan, while stocks last.
I. Discount Policy
(A) Application object
Individual businessmen and micro-enterprises with loan needs within the state, applying for the loan discount policy should meet the following conditions:
1. Individual businessmen and micro-enterprises belonging to the National Individual Private Economy Development Service Network (small and micro-enterprises directory) in the database.
2. Individual industrial and commercial households and microenterprises registered within the state and operating normally for one year.
3. Individual industrial and commercial households and microenterprises registered in Guizhou Province's big data comprehensive financial service platform (Guizhou Province's local credit collection platform and Guizhou Province's financing credit service platform) with credit evaluation of A grade.
4. Borrowers have good credit and no serious financial legal disputes.
5. The form of business organization is sole proprietorship, partnership or limited liability company.
(2) Key support scope
1. Key support industries. For the state's individual entrepreneurs and microenterprises, focusing on supporting the leading industries in Qiandongnan, advantageous characteristic industries, "bridgehead" policy focus on supporting industries. The main industries include mineral resources deep processing, renewable resources recycling materials, national specialty food, wood processing and furniture manufacturing, national medicine manufacturing, and sports equipment manufacturing, new energy materials, liquor, national folk handicrafts, textile, electronic information manufacturing and other characteristic industries; modern medicine manufacturing industry, basic materials industry, new building materials industry (glass, ceramics), productive service industry, national cultural tourism, ecological recreation and health care industry, and so on. The industry of modern medicine manufacturing, basic material industry, new building material industry (glass, ceramics), productive service industry, ethnic culture tourism, ecological recreation tourism, red culture tourism, etc.; the green "food basket" industry of the Great Bay Area, forest special product supply industry (forest fungus, forest medicine, forest bee, forest poultry, etc.), planting, processing and trading of traditional Chinese medicines, featured high-efficiency agriculture, agricultural product processing, ecological lodging and other industries.
2. Key support groups. Individual entrepreneurs and micro-entrepreneurs in Qiandongnan Prefecture. Individual business households and micro-enterprises founded by key entrepreneurial groups such as college graduates, returning rural migrant workers, demobilized veterans, urban registered unemployed, and people with employment difficulties (including people with disabilities) are given priority to enjoy support under the same conditions.
(C) Prohibited Scope of Support
Individual business households marked as operating abnormality and micro-enterprises listed in the list of operating abnormality and list of serious violations of laws and regulations.
II. Cooperative Financial Institutions
(I) Cooperative Banking Institutions. The Leading Group Office of Digital Inclusive Financial Services for Individual Industrial and Commercial Households and Microenterprise Financing Development in Qiandongnan Prefecture selects the Qiandongnan Prefecture Branch of Agricultural Development Bank, the Kerry Branch of Industrial and Commercial Bank of China, the Kerry Branch of Agricultural Bank of China, the Kerry Branch of Bank of China, the Qiandongnan Prefecture Branch of Construction Bank, and the Qiandongnan Prefecture Branch of Postal and Reserve Bank, on the basis of the loan situation of the individual industrial and commercial households and micro-enterprises supported by the state's various commercial banks in the year of 2023 by signing the cooperation agreement. Other commercial banks and village banks with qualified individual industrial and commercial households or micro-enterprise customers can also guide them to register on the "Guizhou Golden Service Platform" and submit applications for financing and interest subsidies.
(ii) Cooperative guarantee companies. Provincial, state and county (municipal) state-owned financial guarantee companies, as cooperating organizations of the credit guarantee and credit enhancement mechanism, will provide financial guarantee support to enterprises within their jurisdictions that meet the conditions and apply for financial guarantees.
Third, the subsidized interest rate standard
(I) Loan requirements. From January 1, 2024 (inclusive) to December 31, 2024 (inclusive), individual industrial and commercial households and micro-enterprises in the jurisdiction to apply to the cooperative bank for single-family 100,000 yuan (inclusive) more than 3 million yuan (inclusive) below the new working capital loans, and the loan period on schedule to repay the principal and interest.
(ii) interest rate subsidy standard. Loan funds for production and operating expenses; single individual business households and microenterprises can only enjoy a subsidized interest rate for each loan. Loan recipients applying for individual business households and microenterprise credit evaluation subsidized loans, the loan interest rate in principle does not exceed the same period of the loan market offer interest rate (LPR) of 120bp; loan subsidy amount according to the cooperative bank and meet the object of the market subject to the interest rate of the loan and the amount of the loan is accounted for in accordance with the actual loan period of up to one year (including) the actual occurrence of the loan interest rate of 30%, to give one-time subsidy for discounting, payable quarterly, single-family single-family loans can only enjoy a subsidy. Payment will be made on a quarterly basis, and the maximum amount of interest subsidy for a single household will not exceed 40,000 yuan. In the processing period, based on the loan target guidance plan, first declared first, the total amount of subsidies for the year to the annual funding for the limit, while stocks last.
(C) the term of the interest rate subsidy. Subsidized interest period in principle does not exceed 12 months.
Four, the reporting process
(a) loan application process.
1. Independent application. Individual industrial and commercial households and microenterprises according to the financing needs of the "Guizhou Golden Service Platform" (https: //www. gzjrfw. com/index) official website to apply for, "Guizhou Golden Service Platform" through the Southwest Guizhou financial individual Guizhou Gold Service Platform" evaluates the credit rating of the applicant through the credit evaluation model of individual industrial and commercial households and microenterprises in Qiandongnan Prefecture, and pushes the evaluation results to the cooperative bank designated by the loan applicant. The cooperative bank will review the individual industrial and commercial households and micro-enterprises with loan demand, and examine whether they meet the credit conditions within 10 days; if they meet the conditions, the review will be passed, and the credit will be granted and disbursed in a timely manner. After the loan is issued, the cooperative bank submits relevant loan information to the local leading group office on a quarterly basis.
2. System push. Through the "Guizhou Golden Service Platform" real-time evaluation, individual business households and microenterprise loan demand, under fair competition conditions, after the loan application object consent, credit rating evaluation, in accordance with the needs of the loan object platform automatically pushed to a number of cooperative banks, by the cooperative banks to make return visits to understand the demand for loans, loan application objects Select the cooperative bank, and then the cooperative bank will carry out substantive review and examine whether it meets the credit conditions within 10 days, and if it meets the conditions, it will grant credit and release the loan in a timely manner. After the loan is disbursed, the cooperative bank submits relevant loan information to the local leading group office on a quarterly basis.
(2) Subsidized interest declaration process
1. Audit process. Cooperative banking institutions in the consent of the loan subject eligible for interest rate subsidy, combing summary of the banking institutions in the quarter eligible for interest rate subsidy list of loan subjects and the initial review of information, at the end of each quarter within five days after the end of the quarter will be eligible for interest rate subsidy list of the subject and the initial review of information reported to the county leading group office, and cooperate with the county leading group office to complete the subsidy subject, bank card number, loan amount, purpose, duration, interest rate and whether the subject is repaying the principal and interest on schedule for preliminary examination. The county-level leading group office organization audit → seal confirmation → publicity for 7 working days → reported to the state-level leading group office.
2. Disbursement of subsidized funds. State-level leading group office organization for review → review confirmation → reported to the provincial department to apply for disbursement of subsidized interest funds → by the leading group office for the construction and application of Guizhou Province's big data comprehensive financial service platform (Guizhou Province local credit platform) within 20 working days, the loan subsidized interest funds will be disbursed to the loan object. For the loan subsidized interest object, when there is a failure to repay the principal and interest on schedule, fraud, misappropriation of the loan or use of the loan to engage in other circumstances unrelated to business activities, the loan subsidy support will be suspended, and the loan-taking bank will manage the loan in accordance with the relevant financial regulations.
These working rules will be implemented from January 1, 2024 onwards.
