Finance is the core of the modern economy. In order to thoroughly implement the central and provincial decision-making and deployment of financial work, give full play to the role of financial services in the real economy, stimulate financial vitality, optimize the financial environment, and promote the city's "14th Five-Year Plan" of high-quality development of the economy, combined with the actual, to develop the following measures.
One, increase monetary and credit policy support
1. Active use of monetary policy tools. The use of the full use of directed quota reduction, re-lending, re-discounting, extension of support tools for inclusive small and micro-enterprise loans, credit loan support program, to ensure that the country's various monetary and credit policies in the city to be orderly and accurate implementation of the policy dividends effectively transmitted to the market main body. Unclog the monetary policy transmission mechanism, implement the deposit reserve policy, and guide the funds released by the downgrade to be used in the real economy such as small and micro enterprises and private enterprises. Actively seeking refinancing quota, encouraging local legalized financial institutions to use small refinancing funds to issue inclusive small and micro-enterprise loans. Strengthen the policy-oriented role of rediscounting and support commercial banks to carry out note financing for private and small and micro enterprises. The interest rate for loans issued or discounts handled by banking institutions using central bank funds is lower than the interest rate for loans or discounts of the same grade and term. Support banks to increase medium- and long-term loans for the manufacturing industry, develop convenient loan renewal business and credit loans, and raise the upper limit of single-family loan amount for small- and micro-enterprise loans enjoying preferential weighting of risk capital from 5 million yuan to 10 million yuan. (Lead unit: Lvliang Municipal Branch of the People's Bank of China, Lvliang Banking and Insurance Supervision Bureau, the banking institutions)
2. Increase financing support in key areas. Focusing on the national and provincial "14th Five-Year Plan" industrial policy, support for banking institutions to increase medium- and long-term loans in the manufacturing industry, focusing on support for modern agriculture, modern coal chemical industry, new energy, aluminum, magnesium, copper and new materials, white wine, big data, culture and tourism and other fields; support for banking institutions to single out the inclusive small and micro-enterprise credit plan, to ensure that the jurisdiction of the legal person banking institution Small and microenterprise loan growth rate is not lower than the average level of loans, small and microenterprise loan increment is not lower than the level of the same period of the previous year; guide the banking institutions combined with the production and operation cycle of the enterprise and the characteristics of industrial development, the establishment of key financing project demand library, the implementation of time-limited loans, joint lending, and strive for the main credit indicators in the system rank and the city's total economic output in the province's rank match. (Lead unit: Municipal Finance Office, Lvliang Municipal Branch of the People's Bank of China, Lvliang Branch of the Banking and Insurance Supervision Bureau, the banking institutions)
Second, deepen the reform of the financial system
3. Actively introduce financial institutions. Actively introduce foreign banks, insurance, securities, trust and overseas high-quality financial resources to the city to set up, increase the total amount of local finance, and constantly improve the financial services system. The newly introduced municipal banking institutions will be rewarded with a one-time bonus of 1 million yuan; insurance and securities branches will be rewarded with a one-time bonus of 300,000 yuan. (Lead unit: Municipal Finance Office, Municipal Finance Bureau)
4. Enrich the form of local financial industry. The implementation of the provincial government to promote the establishment of private banks working arrangements to guide private capital reasonable, orderly and voluntary initiation of the establishment of private banks. Guide private capital to initiate the establishment of microfinance companies, financial guarantee companies, pawnbrokers, to play a complementary role in the financing of local financial companies. Encourage the support of extraterritorial strength of commercial factoring, financial leasing, asset management, equity investment funds to set up branches in the city. Explore the development of private financing registration centers, gathering financial advantageous resources, and strive to build a multi-level, wide-coverage, industry-wide local legal person financial system. (Lead unit: Municipal Finance Office)
5. Promote the restructuring of the local legal person financial institutions risk. Counties (cities, districts) to seriously fulfill the local responsibility to implement the provincial party committee of the overall arrangements for the restructuring of agricultural credit insurance, the restructuring of agricultural credit insurance in the important agenda, detailed measures, improve the working mechanism, and actively help the introduction of strategic investors in the agricultural credit insurance, to complete the land rights, to speed up the pace of the restructuring of the agricultural credit insurance. Strengthen the standardized management of local legal person financial institutions, to prevent the occurrence of regional financial risks. (Lead unit: the municipal government of each county, the city financial office, Lvliang Banking and Insurance Supervision Bureau, the city credit union)
Three, the establishment of a perfect government credit system
6. Play the role of risk compensation funds to increase credit. Implement the provincial government to deepen the small and micro-enterprise financial services "municipal establishment of the size of not less than 10 million yuan of risk compensation funds for small and micro-enterprises" requirements, fully relying on the "Lvliang model" "rural revitalization loan", and continue to expand the municipal government to provide financial services to small and micro-enterprises. Relying fully on the "Lvliang Model" and "Rural Revitalization Loan", we will continue to expand the scale of risk compensation funds in cities and counties, magnify the loan multiplier according to the regulations, broaden the areas of support, comprehensively cover small and micro-enterprises, and focus on supporting the revitalization of the countryside and the transformation and development of science and technology-type small and medium-sized micro-enterprises in strategic emerging industries; we will also improve the risk-sharing mechanism between the government, enterprises, and banks, reasonably determine the share ratio, implement risk compensation measures, and jointly do a good job in the management of loan risks. (Lead unit: Municipal Finance Bureau, Municipal Government) (Leaders: Municipal Finance Bureau, Municipal Finance Office, Municipal Agriculture and Rural Affairs Bureau, municipal governments of various counties)
7. Improve and perfect the governmental financing guarantee system. In accordance with the city and county integration to promote the construction of the guarantee system ideas, adhere to the "implementation of policies, integration of resources, improve the system, standardize the development of" principle, integration and reorganization of municipal and county government-funded guarantee institutions, the formation of Lvliang City Financing Guarantee Company Limited, the realization of the county's full coverage of the financing guarantee services. City and county levels should establish and improve the capital supplement, guarantee fee subsidies and risk compensation mechanism, and further improve the policy support system. Establish a scientific and effective performance appraisal method to encourage governmental financial guarantee institutions to focus on supporting small farmers and expanding business scale. Improve the market-oriented employment mechanism, explore the combination of government-authorized board of directors' management and market-oriented operation of professional talents, and make full use of the senior executives of selected financial guarantee institutions. Improve the remuneration incentive system, take the results of performance appraisal as the main basis for the design of the remuneration system, and implement the annual salary system for the management of senior executives. (Lead units: Municipal Finance Bureau, Municipal Finance Office, municipal governments of all counties)
8. Strengthen the enterprise capital chain emergency transfer services. Municipal establishment of 200 million yuan of emergency transfer funds, the counties and municipalities to establish a scale of not less than 20 million yuan of emergency transfer funds, for enterprise working capital loans to provide transfer loan renewal services. Strengthen the enterprise capital chain emergency transfer funds management, improve operational efficiency, reduce the cost of enterprise transfer loan renewal. (Lead unit: Municipal Finance Bureau, Municipal Finance Office, the municipal governments of the counties)
Four, to promote innovation in financial products and services
9. The banking institutions should actively seek support from the higher level banks, combined with the actual Lvliang, tailored to more grounded financial products. Fully utilize big data, cloud computing and other technologies to help small and micro-enterprises get timely and convenient access to financial services.
Vigorously promote the application of the Agricultural Development Bank of China's "Lvliang Model", the Agricultural Bank of China's "Rural Revitalization Loan", Jiaokou's "Ten Households Union", and Liulin's "Beneficial Agricultural Loan". Agricultural loans" and other models to support the promotion of rural revitalization. Developing and promoting intellectual property pledge financing, movable property mortgage financing, science and technology loans, government procurement loans and other products to provide credit enhancement for unsecured and unsecured small and micro-enterprises. (Leaders: Municipal Finance Office, Municipal Agriculture and Rural Affairs Bureau, Lvliang Municipal Sub-branch of the People's Bank of China, Lvliang Banking and Insurance Supervision Branch, and various banking institutions)
10. Comprehensively utilizing the accounts receivable financing service platform and the Lvliang station of the "National Credit Easy Loan Platform", the company will carry out accounts receivable pledge and credit loan business to meet the loan demands of enterprises at different stages and in different industries. Developing supply chain finance, promoting the docking of core enterprises in the supply chain with the platform system, and helping their upstream and downstream enterprises to improve the success rate of loan review and financing efficiency. Promote "loan + insurance", "bank-tax interaction" and other modes, develop "one insurance pass" comprehensive insurance, and provide diversified and personalized financial services for enterprises and individuals. (Lead unit: Municipal Development and Reform Commission, Lvliang Municipal Sub-branch of the People's Bank of China, Municipal Finance Office, various banking institutions)
V. V. Vigorously develop the capital market
11. Promote the listing of enterprises. Seize the opportunity of the registration system reform, the implementation of the provincial government to promote the listing of enterprises "multiplication plan", the implementation of the three-year action to promote the listing of enterprises, and comprehensively launch the capital market county project. In accordance with the idea of "cultivating a batch, reforming a batch, counseling a batch, listing a batch, listing a batch", improve the resource base of listed reserve enterprises, select more than 30 enterprises from the reserve enterprise database each year, named "Lvliang City Key Listed Reserve Enterprises", and give key support. We will give key support and continuously strengthen the cultivation of the enterprises in the database. Playing the role of "green channel", in accordance with the principle of "priority handling, special person in charge, and time-limited completion", the company provides efficient government services for the enterprises listed on the stock market involving the confirmation of rights, land and other matters. Timely implementation of provincial and municipal enterprises listed on the bonus policy, to carry out capital market knowledge training to stimulate the enthusiasm and initiative of enterprises to go public. (Lead unit: Municipal Finance Office, Municipal Finance Bureau, Municipal Small and Medium Enterprises Service Center, the county municipal governments)
12. Support enterprises to dock the bond market. Support excellent credit, sound operation, industrial structure upgrading or regional economic development has a leading role in the issuance of high-quality enterprises corporate bonds. Qualified enterprises to issue SME pool bonds, SME pool notes, SME private placement bonds and other bonds, according to the scale of issuance of certain financial subsidies. (Lead unit: Municipal Development and Reform Commission, Municipal Finance Bureau, Municipal Finance Office, municipal governments of counties)
13. Development of equity investment funds. Support and encourage the establishment of various types of funds, including angel investment, venture capital, private equity funds, industrial investment funds, mergers and acquisitions funds, small and medium-sized micro-enterprise development funds, the formation of funds covering the life cycle of small and medium-sized enterprises system. Establish the market-oriented operation mechanism of government investment funds, set up Lvliang Equity Investment Management Company, start operation of Lvliang Green Development Fund, scientifically set up market-oriented sub-funds in different fields, optimize and improve the assessment and incentive mechanism, and promote the efficient operation of government investment funds. (Lead unit: Municipal Finance Office, Municipal Development and Reform Commission, Municipal Finance Bureau, municipal governments of counties)
Sixth, improve the cooperation mechanism between government, banks and enterprises
14. The implementation of the provincial government government bank enterprises regular docking work requirements, improve the "online + offline" docking mechanism, improve the monthly docking, quarterly signing, regular briefings and other working mechanisms, to promote the government bank enterprise cooperation and exchange, and effectively solve the problem of asymmetric information of the bank enterprises. Give full play to the industry and information advantages of banking institutions to carry out investment in banking enterprises, and introduce quality enterprises supported by the system to land in Lvliang. Guiding banking institutions to move forward the center of gravity of services, key projects in the project, research, major investment activities, should actively invite banking institutions to draw intervention. Banking institutions to keep abreast of the project progress dynamics, to ensure that the project advance work and financing design synchronization, synchronous implementation. (Lead unit: Municipal Finance Office, Municipal Development and Reform Commission, Municipal Bureau of Industry and Information Technology, the municipal governments of the counties)
15. Construction of the city's comprehensive financial services platform. Fully utilize big data, cloud computing and other technologies to bring together various types of public credit information, timely release of financial policies, financial products, credit business processes and enterprise financing needs, and the national "letter easy credit" platform docking for both banks and enterprises to provide efficient and convenient services. (Lead unit: Municipal Finance Office, Municipal Finance Bureau)
Seven, the establishment of evaluation and incentive mechanism
16. Establishment of financial institutions to support local economic development evaluation mechanism. Banking institutions in the deposit and loan business scale, for headquarters capital business resources, to help introduce high-quality enterprises to settle and other aspects of outstanding contribution; securities industry institutions in the counseling of local enterprises to go public and increase the proportion of direct financing and other aspects of outstanding contribution; insurance institutions in the increase in insurance income and the introduction of insurance funds and other aspects of outstanding contribution, based on the results of the annual comprehensive evaluation, respectively, to give a certain financial funds The financial institutions will be rewarded with a certain amount of financial funds according to the results of the annual comprehensive evaluation, which will be used to encourage the teams (individuals) of financial institutions making outstanding contributions. For financial institutions that have made outstanding contributions, priority will be given to the awarding of honorary titles such as Civilized Unit and May Day Labor Award under the same conditions. (Lead units: Municipal Finance Office, Municipal Finance Bureau, Lvliang Municipal Sub-branch of the People's Bank of China, Lvliang Branch of the Banking and Insurance Supervision Bureau)
17. Establishment of positive incentive mechanism. The municipal government annually coordinates and regulates a certain amount of financial special deposits, used to incentivize economic development contribution to the banking institutions, priority deposit of financial incentives, priority to open financial public deposit accounts. (Lead unit: Municipal Finance Bureau, the banking institutions)
18. The establishment of the city to create a favorable financial environment special funds. The establishment of the scale of 5 million yuan of the city to create a better financial environment special funds, used to support the city's financial regulators to guide, supervise and promote the financial institutions to carry out the work of creating a better financial environment. (Lead unit: Municipal Finance Bureau, Lvliang Municipal Branch of the People's Bank of China, Lvliang Banking and Insurance Supervision Branch)
Eight, optimize the financial environment of the rule of law and credit
19. Improve the financial and judicial coordinated working mechanism. The counties (cities, districts) to strengthen the local financial risk management responsibility, crack down on all types of financial debt, publicly sanctioned a number of typical enterprises to evade financial debt, and continue to optimize the financial judicial environment. Comprehensive use of organizational, administrative, disciplinary, judicial and other means to support financial institutions to clear debts and protect the legitimate assets of financial institutions. Judicial departments at all levels have opened "green channels" for the acceptance, filing, trial and execution of all kinds of financial cases, and improved the efficiency of case acceptance, finalization and execution. Actively promote the mediation model of financial disputes in Jiaocheng, strengthen pre-litigation mediation, reduce the rate of prosecution of financial institutions, reduce litigation costs. (Lead units: Municipal Court, Municipal Procuratorate, Municipal Public Security Bureau, Municipal Justice Bureau, municipal governments of various counties)
20. Improve the working mechanism of the credit system. Continue to promote the collection and sharing of financial regulatory credit information. Extensively carry out enterprise credit rating and the construction of credit townships, villages and communities. Strengthen the construction of credit system in the financial field, continue to carry out the special governance of credit failure in the financial field and the special rectification of Internet financial risks, and carry out joint disciplinary actions against the subjects of serious credit failure in the financial field in accordance with the laws and regulations. Continuously deepen the construction of credit system in the financial field to create a favorable financial ecological environment for economic development. (Lead unit: Lvliang City Central Sub-branch of the People's Bank of China, the municipal financial office, Lvliang Banking and Insurance Supervision Branch, the Municipal Development and Reform Commission)
The counties (cities and districts) should strengthen the leadership of the financial work, combined with the actual work of the local community, to establish and improve the local financial work institutions, with full allocation of sufficient strength, and effectively take up the task of organizing and coordinating the local financial supervision, risk management, and other tasks, in order to serve the high-quality development of the economy and to create a good environment. . Departments at all levels should fully understand the importance of creating a better financial environment to promote high-quality economic development, unify thinking, improve the political stance, refine the work measures, pay close attention to the implementation of the work to ensure that the policies and measures are effective.
