300 billion financial instruments, 800 billion credit quotas ... These financial measures help the real economy to develop a arm!

The State Council executive meeting decided that the scale of 800 billion yuan in credit was newly increased, and 300 billion yuan of financial instruments were established to support infrastructure construction. In order to support the development of the real economy, the financial policy has been introduced one after another, and the Chinese government network (ID: zhengfu) and the State Council client will take you to see--

Financial help major project construction

——In newly increased 800 billion yuan credit quota

The executive meeting of the State Council deployed the policy and measures to accelerate the stability of the economy.

——Set 300 billion yuan in financial tools

Using policy and development financial instruments, 300 billion yuan is raised by issuing financial bonds.

Specific use of financial instruments: First, supplement the capital of major investment in projects, not more than 50%of all capital; second, for the short -term special bonds that cannot be in place as capital, they can bridge special bonds. As for the projects that will be done sooner or later, through the support of financial instruments, it can quickly and accurately open the blocks caused by capital and cannot be in place, promote the project as soon as possible, form a physical workload as soon as possible, and help stabilize the macroeconomic market.

Focus on the three types of projects: first, the five major infrastructure key areas of the 11th meeting of the Central Finance and Economics Committee, the second is the areas of major scientific and technological innovation, and the third is other projects that can be invested by local government bonds.

——Chopen support for key investment projects

Development and policy banks should combine their own business scope to increase funding support for key investment projects. Financial institutions should take the initiative to connect major projects, and increase benefits, transportation, pipeline networks, municipal infrastructure and other fields to benefit people's livelihood, supplementary shortcomings, and fifth -generation mobile communication (5G), industrial Internet, data centers and other new infrastructure The support of construction promotes the construction of new construction projects as soon as possible to achieve the physical workload.

Finance is the main body of the market

——Recent the deposit reserve ratio of financial institutions

In order to support the development of the real economy and promote the steady and declined cost of comprehensive financing, the People's Bank of China decided to reduce the deposit reserve ratio of the financial institution at 0.25 percentage points on April 25, 2022 (excluding financial institutions that have executed a 5%deposit reserve ratio, To. In order to increase the support for small and micro enterprises and "agriculture, rural areas, and rural areas", it is based on the Rural Commercial Bank that does not operate across provinces and the deposit reserve ratio higher than 5%, and the deposit reserve ratio is 0.25 percentage points. Another additional 0.25 percentage points. After this reduction, the weighted average deposit reserve rate of financial institutions was 8.1%. The reduction of financial institutions' capital costs is about 6.5 billion yuan per year. Through financial institutions, it can promote the reduction of comprehensive social financing costs. The decline in this period released a total of about 530 billion yuan in long -term funds.

——Accosted financial support for small and medium -sized enterprises

In 2022, a large -scale state -owned bank added 1.6 trillion yuan of inclusive small and micro loans. The reasonable renewal, exhibition, and adjustment of repayment arrangements for small and medium -sized enterprises and individual industrial and commercial households will not affect credit records and avoid penalties.

Expand the business coverage of the national financing guarantee funds and government financing guarantee agencies to small and medium -sized enterprises and individual industrial and commercial households.

Increase the funding support ratio of inclusive micro -loan support tools from 1%to 2%, that is, the increase in the balance of inclusive micro loan by the People's Bank of China in accordance with the relevant local legal person banks 2%of micro -loan) provide funding support to better guide and support local legal person banks to issue inclusive small and micro loans.

Guide financial institutions and large -scale enterprises to support financing and other financing of small and medium -sized enterprises, and in quickly the amendment system shorten the acceptance period of the commercial bill from 1 year to 6 months, and increase the re -discounting support, to supply chain financing and bank -enterprise enterprises. Cooperation supports the development of large and medium -sized enterprises.

Increase the amount of small re -loan loans of supporting agricultural branches in a timely manner, and guide local legal person financial institutions to increase contact service industries such as accommodation, wholesale and retail, cultural tourism, etc., which have a greater impact on the epidemic, and other prospects but other prospective but affected by the epidemic. Support.

Banking institutions must implement small and micro enterprises and agricultural credit programs at all levels, and further tilted credit resources to areas affected by the affected area, and provide for small and micro enterprises, individual industrial and commercial households, and farmers' suspension during the suspension of production and suspension. Credit support.

Increase credit investment in small and medium -sized foreign trade enterprises, support banks to cure the temporary trapped loan, disconnection, and loan, and sort out a group of key support for funds.

——The financial services for the outbreak of the trapped enterprises

By providing medium- and long -term loans, reducing interest rates, exhibition or renewal support, actively support the affected by the trapped enterprises to resist the impact of the epidemic, and shall not blindly restrict loans, loans, and disconnection.

For difficulties such as catering, retail, cultural, tourism, transportation, etc., which are seriously affected by the epidemic, the inclusive small and micro enterprise loans expired by the end of 2022 will be tilted according to the actual situation, and the delay period is appropriately relaxed.

Encourage the implementation of the principal and interest on the implementation of small and medium -sized enterprises, individual industrial and commercial households, truck drivers loans and personal housing and consumer loans affected by the epidemic.

The 90 billion yuan commercial truck loan issued by the auto central enterprise requires the extension of the banking enterprise for half a year to repay the principal and interest.

For the state -owned house rented by small and micro enterprises and individual industrial and commercial households for 3-6 months in 2022, the state -owned house renters who are rented by individual industrial and commercial households are encouraged to provide support for preferential interest rate pledge loans in accordance with their qualifications and risk levels.

The development of financial support in key areas -newly increased 200 billion yuan scientific and technological innovation and re -loan quota

The scope of support includes scientific and technological companies such as "High -tech Enterprises", "Specialized Special New" SMEs, national technology innovation demonstration enterprises, manufacturing single champion companies, etc., and prioritize participating in participating in national science and technology plan project enterprises, national manufacturing innovation centers, national -level national level Specialized new "little giant" enterprises, national key industry chain leaders and key supporting enterprises, upstream and downstream key supporting enterprises, participating in the establishment of an innovation base platform enterprise, and enterprises in the national science and technology park.

——In new increase of 40 billion yuan of inclusive pension special re -loan pilot quota

Support fields are qualified inclusive pension institutions. Adopt the direct mechanism of "lending first and then borrowing" to issue quarterly. Initially, 5 provinces such as Zhejiang, Jiangsu, Henan, Hebei, and Jiangxi were selected.

——An new increase of 100 billion yuan to support coal clean and efficient use of special re -loan quotas

It is specially used in areas related to coal development and enhancement of coal reserve capabilities, and will be distributed monthly. Specific support areas include: first, the field of coal safety production and reserve. Including projects such as modern coal mines, green and efficient technology applications, intelligent mine construction, coal mine safety transformation, coal washing, coal reserve capacity building and other projects. The second is the field of electricity and coal insurance for coal power enterprises.

——In the increase of 100 billion yuan in traffic and logistics, re -loan quota

Focus on supporting the "two enterprises and two" groups of the road freight logistics industry that affected the difficulties of the epidemic. "Two enterprises": road cargo transportation enterprises, small and medium -sized logistics distribution and express delivery enterprises. "Two": Road owners of individual industrial and commercial households, individual cargo vehicle owners (referred to as individual truck drivers).

Priority supports the application of loan applications for transportation and logistics enterprises with heavier transportation and emergency transportation missions, as well as road freight operators and individual truck drivers financing needs.

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