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| Guiding Opinions of the China Banking Regulatory Commission on Providing Financial Services for Micro and Small Enterprises in 2015 | | 中国银监会关于2015年小微企业金融服务工作的指导意见 |
| (No. 8 [2015] of the China Banking Regulatory Commission) | | （银监发〔2015〕8号） |
| All local offices of the China Banking Regulatory Commission (“CBRC”); all policy banks, state-owned commercial banks, and joint-stock commercial banks; Postal Savings Bank of China; the China Banking Association; the China Financing Guarantee Association; and the China Small Loan Companies Association: | | 各银监局，各政策性银行、国有商业银行、股份制商业银行，邮政储蓄银行，中国银行业协会、中国融资担保业协会、中国小额贷款公司协会： |
| In order to implement the decisions and deployments of the CPC Central Committee and the State Council on providing financial support for the development of micro and small enterprises, continuously improve the financial services for micro and small enterprises, and promote the quality and efficiency enhancement and upgrading of economy, the guiding opinions on providing financial services for micro and small enterprises in 2015 are hereby offered as follows: | | 为贯彻落实党中央国务院关于金融支持小微企业发展的决策部署，持续改进小微企业金融服务，促进经济提质增效升级，现就2015年小微企业金融服务工作提出以下指导意见： |
| I. Specifying the work objectives and striving to realize “three no-lower-thans.” | | 一、明确工作目标，努力实现“三个不低于” |
| Currently, China has ushered into a new mode of normal economic development rate. Commercial banks shall earnestly implement the decisions and arrangements of the CPC Central Committee and the State Council, further improve the financial services for micro and small enterprises, and actively promote business startups by the public and mass innovation. In 2015, you shall continue to effectively implement the various effective policies on the financial services for micro and small enterprises, strengthen the building of such “six mechanisms” as the interest rate risk pricing mechanism, the independent accounting mechanism, the efficient approval mechanism, the incentive and constraint mechanism, the professionals training mechanism, and the default information reporting mechanism; and implement such “four separate principles” as separate credit plans, separately deployed human resources and financial resources, separate customer identification and credit review system, and separate accounting for the special institutions providing financial services for micro and small enterprises. On the basis of effectively raising the incremental loans, you shall strive to ensure that the growth rate of small and micro business loans be no lower than the average growth rate of other various loans, the number of micro and small enterprises receiving loans be no lower than the figure over the same period of the last year, and the loan approval rate of micro and small enterprises be no lower than the figure over the same period of the last year. | | 当前我国经济发展已进入新常态，商业银行要认真贯彻党中央国务院的决策部署，进一步改进小微企业金融服务，积极推动大众创业、万众创新。2015年要继续执行好现有的各项小微企业金融服务政策，强化利率风险定价机制、独立核算机制、高效审批机制、激励约束机制、专业人员培训机制和违约信息通报机制等“六项机制”建设，落实小微企业金融服务专营机构单列信贷计划、单独配置人力资源和财务资源、单独客户认定与信贷评审、单独会计核算的“四单原则”。在有效提高贷款增量的基础上，努力实现小微企业贷款增速不低于各项贷款平均增速，小微企业贷款户数不低于上年同期户数，小微企业申贷获得率不低于上年同期水平。 |
| II. Separately listing credit plans and optimizing the credit structure | | 二、单列信贷计划，优化信贷结构 |
| Commercial banks shall, based on the target of ensuring that the growth rate of small and micro business loans be no lower than the average growth rate of various types of loans, separately list your annual credit plans for micro and small enterprises at the beginning of a year, and submit the credit plans for micro and small enterprises approved by the main principal of the bank to the regulatory departments before the end of the first quarter, but shall not misappropriate or embezzle such funds during the enforcement process. A commercial bank adjusting credit plans in the middle of a year shall report to the regulatory department and explain the reasons for adjustment in a timely manner. | | 商业银行要围绕小微企业贷款增速不低于各项贷款平均增速的目标，年初单列全年小微企业信贷计划，并于一季度末前将经本行主要负责人审批的小微企业信贷计划报送监管部门，执行过程中不得挤占、挪用。年中调整信贷计划的商业银行，需及时向监管部门报告并说明调整原因。 |
| Commercial banks shall optimize their credit structure, make good use of their new assets, and revitalize their stock assets. Credit resources shall be transferred through securitization of credit assets, transfer of credit assets, and other means for loans to micro and small enterprises. Credit supply to micro and small enterprises shall be further increased. A special account shall be created for the special management of the funds raised from bonds so as to ensure that all funds are granted as loans to micro and small enterprises. | | 商业银行要优化信贷结构，用好增量，盘活存量。通过信贷资产证券化、信贷资产转让等方式腾挪信贷资源用于小微企业贷款。要进一步扩大小微企业专项金融债发行工作，对发债募集资金实施专户管理，确保全部用于发放小微企业贷款。 |
| III. Enhancing institutional building and enlarging network coverage | | 三、加强机构建设，扩大网点覆盖面 |
| Commercial banks shall continue to promote the system construction of financial services for micro and small enterprises, increase effective supply, and improve their professional level. They shall also give more efforts to the building of specialized institutions for micro and small enterprises; establish more community sub-branches and micro and small sub-branches which take root at the basic level and provide services to micro and small enterprises; and raise the degree of provision in batch, the scale, and the level of standardization of financial services for micro and small enterprises. Local corporate banking financial institutions shall adhere to the market positioning of “basing services on local conditions and serving micro and small enterprises,” and extend their outlets and business to counties and townships where micro and small enterprises congregate. The institutions providing financial services to micro and small enterprises shall be further diversified. Support shall be given to the establishment of village banks, loan companies and other small financial institutions in the regions where micro and small enterprises concentrate. | | 商业银行要继续深化小微企业金融服务机构体系建设，增加有效供给，提升专业化水平。要加大小微企业专营机构建设力度，增设扎根基层、服务小微的社区支行、小微支行，提高小微企业金融服务的批量化、规模化、标准化水平。地方法人银行要坚持立足当地、服务小微的市场定位，向县域和乡镇等小微企业集中的地区延伸网点和业务。进一步丰富小微企业金融服务机构种类，支持在小微企业集中的地区设立村镇银行、贷款公司等小型金融机构。 |
| ．．．．．． | | ．．．．．． |
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