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Notice of China Banking Regulatory Commission on Supporting Commercial Banks in Further Improving Financial Services for Small-sized Enterprises
[Effective]
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中國銀監會關于支持商業銀行進一步改進小企業金融服務的通知
[現行有效]
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【法寶引證碼】
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Notice of China Banking Regulatory Commission on Supporting Commercial Banks in Further Improving Financial Services for Small-sized Enterprises
(No. 59 [2011] of China Banking Regulatory Commission)
All local offices of the CBRC; all state-owned commercial banks and joint-stock commercial banks; Postal Savings Bank of China; and all provincial rural credit cooperative unions:
In recent years, to deeply carry out the strategic deployments of the CPC Central Committee and the State Council and address the prominent issues concerning the financing of small-sized enterprises, the regulatory departments have actively guided commercial banks in providing financial services for small-sized enterprises, have continuously optimized the financing environment for small-sized enterprises, and have seen obvious results. To solidify the work progress in the financing of small-sized enterprises, promote the sustainable development of the financial services for small-sized enterprises and encourage commercial banks to further improve their financial services for small-sized enterprises, we hereby notify you of the relevant requirements as follows:
| | 中國銀監會關于支持商業銀行進一步改進小企業金融服務的通知
（銀監發〔2011〕59號）
各銀監局，各國有商業銀行、股份制商業銀行，郵政儲蓄銀行，各省級農村信用聯社：
近年來，為深入貫徹落實黨中央、國務院的戰略部署，著力解決小企業融資方面的突出問題，監管部門積極引導商業銀行開展小企業金融業務，不斷優化小企業融資環境，取得了明顯成效。為鞏固小企業金融工作成果，促進小企業金融業務可持續發展，支持商業銀行進一步改進小企業金融服務，現將有關要求通知如下：
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I. Guiding commercial banks in giving particular support to the financing needs of small-sized enterprises which conform to the state industrial and environmental protection policies, are able to create more jobs, have the willingness and ability to repay debts and are commercially sustainable.
| | 一、指導商業銀行重點支持符合國家產業和環保政策、有利于擴大就業、有償還意願和償還能力、具有商業可持續性的小企業的融資需求。
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II. Directing commercial banks to continue deepening the “six mechanisms” (risk pricing mechanism for interest rate, independent accounting mechanism, efficient loan examination and approval mechanism, incentive and restraint mechanism, specialized personnel training mechanism and default information notification mechanism), stick to the “four separates” principle (separate credit programs, separate allocation of human and financial resources, separate client identification and credit review and separate accounting for a special business office for small-sized enterprises), further strengthen the management of and allocation of resources for small-sized enterprise business lines, satisfy the loan needs of eligible small-sized enterprises, and try to reach the goal that the growth rate of loans to small-sized enterprises is not lower than the average growth rate of all loans.
| | 二、引導商業銀行繼續深化六項機制（利率的風險定價機制、獨立核算機制、高效的貸款審批機制、激勵約束機制、專業化的人員培訓機制、違約信息通報機制），按照四單原則（小企業專營機構單列信貸計劃、單獨配置人力和財務資源、單獨客戶認定與信貸評審、單獨會計核算），進一步加大對小企業業務條線的管理建設及資源配置力度，滿足符合條件的小企業的貸款需求，努力實現小企業信貸投放增速不低于全部貸款平均增速。
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III. Encouraging commercial banks to implement pilot programs, make active explorations, innovate in the loan modes, products and services for small-sized enterprises and strengthen the research, development and promotion of new financing modes, service means, credit products and mortgage (pledge) methods based on the characteristics of the financing needs of small-sized enterprises.
| | 三、鼓勵商業銀行先行先試，積極探索，進行小企業貸款模式、產品和服務創新，根據小企業融資需求特點，加強對新型融資模式、服務手段、信貸產品及抵（質）押方式的研發和推廣。
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IV. Giving priority to relevant applications about access to the financial service markets for small-sized enterprises when accepting and examining applications, and improving the efficiency of administrative examination and approval. The establishment of branch offices of commercial banks which have realized the goal that the growth rate of loans to small-sized enterprises is not lower than the average growth rate of all loans and had good risk management and control for two consecutive years shall be actively supported, provided that the prudential regulation requirements are met.
．．．．．． | | 四、優先受理和審核小企業金融服務市場准入事項的有關申請，提高行政審批效率。對連續兩年實現小企業貸款投放增速不低于全部貸款平均增速且風險管控良好的商業銀行，在滿足審慎監管要求的條件下，積極支持其增設分支機構。
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