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北京金融工作局等出台意见 优化金融信贷营商环境

时间:2018-03-19        来源:hexun.com        

  北京市金融工作局

  中国人民银行营业管理部

  中国银行业监督管理委员会北京监管局

  关于进一步优化金融信贷营商环境的意见

  京金融〔2018〕52号

  为进一步优化本市金融信贷营商环境,提升金融信贷服务水平,加强金融信贷产品创新,发展与大国首都地位相匹配的现代金融业,现提出以下意见:

  一、降低金融信贷成本

  规范金融机构收费和信贷行为,推动在京法人银行自主减免1—2项收费项目,保证总体收费水平逐年降低。降低企业融资担保成本,鼓励在京融资担保机构不收取企业客户保证金,确需收取的,确保还贷解保时及时退还。大力发展融资租赁和商业保理业务,引入海外低成本资金。

  二、压缩金融信贷审批时间

  鼓励银行业金融机构建立针对同一类型小微企业客户的金融信贷专业化分类、批量化营销、标准化审贷、差异化授权机制。行业自律组织不定期邀请行业专家、金融律师组成信贷咨询小组,为金融机构信贷审批人员提供行业分析、授信方案、客户营销难点等问题咨询辅导,每季度至少开展一次,提高信贷审批效率。

  三、创新绿色金融信贷模式

  银行业监管部门在其网站定期披露辖区内银行绿色信贷情况。鼓励银行业金融机构针对绿色、低碳、循环经济等项目信贷业务开辟授信审批的快速通道。引导辖区内金融机构发行绿色金融债券和绿色信贷资产支持证券。推动将辖区内企业环境信息纳入金融信用信息基础数据库。

  四、拓展贷款抵(质)押物范围

  支持银行业金融机构大力开展与环境相关的收益权、排放权、排污权抵押贷款等业务。推动银行业金融机构知识产权、应收账款等质押融资业务发展。

  五、定制小微企业针对性金融服务

  推动在京银行机构对于小微企业信贷审批实行单独管理和业绩专项考评,根据监管部门考核要求设定小微企业贷款增速、贷款户数等考核指标。针对小微企业信贷业务制定奖励政策,尤其是对500万元以下的小微企业贷款重点给予奖励倾斜。

  六、完善政策性农业信贷担保体系

  创新财政和金融协同支农机制,支持北京市农业融资担保有限公司发展,逐步扩大区级农业信贷担保分支机构设立,完成涉农区“全覆盖”。引导辖区内银行业金融机构在大兴区、平谷区开展农村承包土地的经营权抵押贷款试点,开展农业生产设施抵押等业务。

  七、提高公积金信贷审核效率

  通过系统对接,推动北京住房公积金管理中心实现与市规划国土委共享不动产权属信息、抵押登记信息,以提高贷款审核效率。

  八、实现公积金贷款登记变更“不跑路”

  北京住房公积金管理中心将办理住房公积金贷款的住房等相关信息发送给不动产登记部门,由不动产登记部门根据北京市公积金管理中心发送的相关信息添加贷款所购房屋抵押登记标识或解除抵押登记标识,通过信息共享,借款人贷款结清后借款人无需前往市住房贷款担保中心或受托银行、不动产登记中心办理解除抵押的相关手续,真正做到信息多跑路,群众少跑路。

  九、实现动产抵押登记“一次办结”服务

  逐步实现动产抵押登记全程电子化,通过“外网申报、内网审核、现场提交、一次办结”的方式,为银行业金融机构办理抵押融资业务提供便利。及时将动产抵押登记信息通过国家企业信用信息公示平台向社会公示,方便社会公众查询。积极配合全国统一的“动产抵押网上登记系统”在京试点工作。

  十、加强信用信息归集共享

  推进北京市公积金信贷信息、各类信贷机构信用信息以及公用事业缴费等非银行信息向金融信用信息基础数据库报送工作,提高金融信用信息基础数据库的完整性。推动本市小额贷款公司和融资担保公司与央行征信系统对接。

  十一、实现社会信用信息“一站式”查询

  完善和丰富“信用北京”及北京市企业信用信息系统网站服务功能。加大银税互动,银商合作力度。

  十二、鼓励信用服务新业态发展

  推动全国领先、科技创新应用能力强、具有较强社会公信力的品牌信用服务机构在京发展。

  十三、建立面向国际的金融政策发布平台

  统筹各部门、各区金融产业发展和扶持政策,在“首都金融”网站以双语方式为境内外投资者提供包括本地区经济、金融发展规划、政策法规、投资项目、风险提示等专业服务,为企业更好的“走出去”“引进来”提供支持,促进金融市场交流合作、互联互通,开展双向投资提供更多途径和便利。

  十四、规范金融执法行为

  有关金融监管部门应规范对金融机构的行政执法行为,在依法行政、依法监督的同时,鼓励采取联合执法检查等方式,提升监督效能,降低对其经营活动的影响。全面落实行政执法责任制,严格执行执法责任追究机制,维护公平竞争的金融信贷营商环境。

  本意见自2018年3月15日起施行。

  北京市金融工作局

  中国人民银行营业管理部

  中国银行业监督管理委员会北京监管局

  2018年3月14日

  Beijing Municipal Bureau of Financial Work

  Business Administration Department of the people‘s Bank of China

  CHINA BANKING REGulATORY COMMISSION Beijing Office

  Opinions on Further Optimizing the Financial Credit Business Environment

  In order to further optimize the financial and credit business environment in Beijing, enhance financial and credit services, strengthen innovation in financial and credit products, and develop a modern financial sector that matches Beijing’s status as the capital of such a major country as China, the following opinions are proposed:

  First, reduce financial credit costs

  We shall standardize the fees and credit behaviors of financial institutions, promote the independent deduction and exemption of one or two items of fees and charges in banks registered and based in Beijing, and ensure that the overall level of fees and charges is reduced year by year. We shall reduce the guarantee cost of corporate financing, encourage financing guarantee institutions based in Beijing not to collect corporate customer deposits, when corporate customer deposits do need to be collected, financing guarantee institutions should ensure that they will be returned in a timely fashion once the loan is repaid. We shall vigorously develop financial leasing and commercial factoring and introduce low-cost international funds.

  Second, reduce the review and approval time for financial credit

  Banking financial institutions are encouraged to establish specialized financial credit classification, mass marketing, standardized loan review, and differentiated authorization mechanisms for small and micro enterprises of the same type. Industry self-regulatory organizations should invite industry experts and financial lawyers to form a credit advisory group so as to provide counseling on such issues as industry analysis, credit programs, and customer marketing difficulties for personnel in financial institutions responsible for review and approval, which should be conducted at least once a quarter so as to improve the efficiency of credit review and approval.

  Third, create innovative green financial credit models

  Banking regulators should regularly disclose green credit developments in the area on their website. Banking financial institutions are encouraged to develop fast-track credit review and approval for such projects as green, low-carbon, and circular economy. We shall guide financial institutions under the authority of Beijing Municipality in issuing green financial bonds and green credit asset-backed security (ABS). We shall promote the integration of corporate environmental information of the area into the basic database of financial credit information.

  Fourth, extend collateral eligibility

  We shall support banking financial institutions to vigorously develop environment-related services, including income rights, emission rights, and emission rights mortgage loans. We shall also promote the development of such pledge financing services as intellectual property rights and accounts receivable of banking financial institutions.

  Fifth, offer customized financial services for small and micro enterprises

  We shall promote banking institutions based in Beijing to conduct separate management and special performance appraisal of credit review and approval for small and micro enterprises, and setting such assessment indicators as the growth rate of loans for small and micro enterprises and the number of loan households according to the assessment requirements of regulatory authorities. Incentive policies shall also be developed for the credit business of small and micro enterprise, for small and micro enterprises under 5 million yuan in particular.

  Sixth, improve the policy-based agricultural credit guarantee system

  We shall establish an innovative mechanism featuring coordinated fiscal and financial support for agriculture, support the development of Beijing Agriculture Guarantee Co., Ltd, gradually expand the establishment of district-level agricultural credit guarantee affiliates, and complete the “full coverage” of all agriculture-related areas. We shall guide banking financial institutions in the area to pilot mortgage loans for operating rights of rural contracted land in Daxing District and Pinggu District, and carry out such operations as mortgage of agricultural production facilities.

  Seventh, improve the efficiency of the provident fund credit audit

  Through coordination, we shall promote the sharing of information on real estate ownership and mortgage registration between Beijing Housing Provident Fund Management Center and Beijing Municipal Commission of Urban Planning and Land and Resources Management so as to improve the efficiency of loan approval.

  Eighth, provide efficient service for the change of the provident fund loan registration

  Beijing Housing Provident Fund Management Center shall send such information as the housing in question of housing provident fund loans to real estate registration departments. The real estate registration department will add the house mortgage registration mark or mortgage registration mark purchased by the loan based on relevant information sent by the Beijing Provident Fund Management Center.

  Information sharing: After the loan from the borrower is settled, the borrower does not need to go to the Municipal Housing Loan Guarantee Center or the trustee bank or real estate registration center to handle the relevant formalities for canceling the mortgage, so that the information is more likely to run and the people will run less.

  Ninth, realize the one-stop service for chattel mortgage registration

  Electronic services covering every step of the chattel mortgage registration process shall be gradually realized, through “filing in information via internet, reviewing via intranet, on-site submission, and one-stop service”, facilitating banking financial institutions’ mortgage financing service. Information on chattel mortgage registration shall be released to the public in a timely fashion through the national enterprise credit information disclosure platform so as to facilitate inquiries by the public. We shall actively cooperate with the piloting of the national unified “online chattel mortgage registration system” in Beijing.

  Tenth, strengthen the collection and sharing of credit information

  We shall promote the inclusion of such non-bank information as Beijing Provident Fund credit information, credit information of various credit institutions, and utility bills to the financial credit information basic database, and improve its integrity. We shall promote the linking of micro-credit company and financing guarantee companies in Beijing with the credit information system of the People‘s Bank of China.

  Eleventh, realize the “one-stop” inquiry of social credit information

  We shall improve and enrich the website services of “Credit Beijing” and Beijing Urban Enterprise Credit Information Publicity System. We shall also strengthen the interaction between banks and tax authorities and the cooperation between banks and enterprises.

  Twelfth, encourage new developments in credit services

  We shall promote the development of brand credit service agencies in Beijing that is leading in China, capable of applying technological innovation and has a strong credibility among the public.

  Thirteenth, establish an internationally-oriented financial policy publicity platform

  We shall coordinate policies on the development of and support for the financial sector between departments and in districts. We shall provide domestic and foreign investors with bilingual services in the website of “Capital Finance”, including regional economic and financial development plans, policies and regulations, investment projects, and risk warnings so as to support the better implementation of such strategies as “going global” and “bringing in” by enterprises, and promote connectivity as well as exchanges and cooperation in the financial market and create more pathways and facilities for two-way investment.

  Fourteenth, regulate financial enforcement

  Relevant financial regulatory authorities should standardize the administrative law-enforcement on financial institutions. While practicing law-based administration and supervision, they are encouraged to conduct joint law-enforcement inspections so as to improve the effectiveness of supervision and reduce the impact on their business activities. We will fully carry out the administrative law-enforcement responsibility system, strictly implement the law-enforcement accountability mechanism, so as to maintain a fair and competitive financial credit business environment.

  The Opinions shall come into effect from March 15, 2018.

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