Heilongjiang Province's 59 policy measures have come!

Heilongjiang Financial Management Department

Support small and medium -sized enterprises

59 policy measures

People's Bank of China Harbin Center Sub -branch

1. More use of monetary policy tools to promote reduction in interest rates

Support financial institutions to use more monetary policy tools such as supporting agricultural tribes small refinancing and discounting to ensure that policy dividends are widely benefited from market entities such as small and micro enterprises. To release the amount of funds to release the funds, the local legal person financial institutions that are affected by the epidemic are appropriately improved to the assessment tolerance according to the actual situation. Continue to further promote the reform of the loan market quotation interest rate (LPR), guide financial institutions to accelerate the establishment of internal capital transfer pricing (FTP) mechanism, and further increase reasonable benefits to the real economy. In the first half of the year, the re -loan was realized by 15 billion yuan and re -discounted 12 billion yuan. The interest rate of inclusive micro loans in the province's financial institutions has decreased steadily.

2. Promote the effective development of financing docking

Cooperate with the competent authorities of development and reform, industrial information, technology, business, cultural tourism, transportation, transportation, etc., establish a "white list" and dynamic updates of corporate financing needs. Forms of political and bank -enterprise docking activities. During the year, the total number of various market entities exceeded 3,000, and loans issued more than 30 billion yuan.

3. Further deepen small and micro enterprise financial services

Guide financial institutions to do a good job of internal policy arrangements for small and micro enterprises and individual industrial and commercial households, actively provide support for first loans, renewal, credit loans, and continuously develop and improve loan products such as active credit, no repayment loans, and borrowing. Do not blindly restrict loans, loans, and break loans. The People's Bank of China provides incentive funds at the end of January 1, 2022 to the end of June 2023, the increase of 1%of the increase in the balance increase of local legal person financial institutions. In 2022, the province's financial institutions inclusive small and micro loans increased by more than 15%year -on -year; more than 5,000 newly cultivated inclusive small and micro -loan companies; renewal loans supported more than 3,000 inclusive small and micro enterprises; newly issued inclusive small and WeChat loans The proportion of over 20%.

Fourth, strengthen financial support for the trapped groups and individual industrial and commercial households

For trapped people affected by the epidemic, guide financial institutions to optimize credit policies in a timely manner, distinguish the ability to repay and repay, and distinguish the short -term repayment ability and medium and long -term repayment capabilities affected by the epidemic. Flexible adoption of reasonable delay time, extended loan period, delay repayment, etc. to adjust the repayment plan to support it. For flexible employment entities such as taxi drivers, online shop owners, truck drivers, etc., they will increase support for their operating loans compared to individual industrial and commercial households and small and micro -enterprise owners. In 2022, the province's individual industrial and commercial household loans in the province strived to exceed 18%year -on -year.

Fifth, meet the needs of spring farming production and important agricultural product production funds

Guide financial institutions to earnestly do a good job of spring plowing financial services, develop online loan products and models, and continue to increase agricultural loan -related loans. Give full play to the role of provincial agricultural issuance of grain acquisition funds, and support non -policy bank institutions to actively participate in the acquisition of grain marketization. Develop targeted credit products and support the development of the breeding industry and new agricultural operations. The growth rate of agricultural loans throughout the year strives to be higher than 2 percentage points in the same period last year.

6. Do a good job of credit support for energy companies such as coal

Guide financial institutions without random loan, disconnection or formulation of credit restrictions on traditional energy companies. Actively docking coal safety production construction, coal purchase reserves and other projects, support eligible financial institutions that use carbon emission reduction support tools and coal clean and efficient use of special re -loan.

7. Increase financial support for the transportation and logistics industry

Promote the information sharing of financial institutions with transportation and business departments, establish a list of key guarantees of guarantee enterprises in the transportation and logistics industry, open up "green channels" for transport and logistics companies that undertake epidemic prevention and control and emergency transportation tasks, optimize credit approval processes, improve credit services efficiency.

8. Strengthen the financial support of the core enterprise of the industrial chain supply chain

Support financial institutions to use more scientific and technological innovation and re -loans, and increase support for scientific and technological development and technological transformation. In conjunction with relevant departments, the list of key industries and core enterprises will be established to dynamically push financing needs. Standardize the development of supply chain financial business, give full play to the role of financial instruments such as supply chain bills and accounts receivable financing service platforms, and support the financing of supply chain enterprises.

9. Increase financial support for effective investment and major projects

Guide financial institutions to take the initiative to connect the "100 projects" and "millions of projects" to effectively increase financial support; reasonably purchase local government bonds, support local governments to conduct infrastructure investment moderately in advance; In accordance with the principles of marketization, the rational financing needs of the financing platform company will be guaranteed, and the implementation of projects under construction will be implemented smoothly. In 2022, the growth rate of industrial loans, medium- and long -term loans, manufacturing loans, and manufacturing medium- and long -term loans was higher than the same period last year.

10. Support private enterprise financing and development

Organize service activities such as visiting home visits, one -to -one counseling, centralized training, and consulting consultation. Due to the policies of the enterprise, it will help enterprises to solve financing problems. For enterprises for the "Specialty New" list of the Industrial and Information Technology Department, guide financial institutions "one -to -one" to provide docking financing services. In 2022, the number of financial liaison members in the enterprise exceeded 1,000, and the number of enterprises settled in over 3,000.

Eleven, increase support for green industry finance

Sort out green enterprises and projects, and publicize green financial products, service models, cases, and green enterprises' financing needs through the "People's Bank of China Longjiang Green Jinyun Service Platform" to increase financing support. 12. Effectively do financial services in the housing field

Guide financial institutions around the goal of "stable price, stable house prices, and stable expectations" to support rigid and improving housing needs. Due to urban policies to implement differentiated housing credit policies. The lower limit of the personal housing loan interest rate is adjusted to no less than the corresponding period of loan market quotation interest rates at 20 basis points, and the lower limit of the two sets of housing commercial personal housing loan interest rate policy is implemented in accordance with the current regulations. Increase the support for high -quality projects, do not blindly draw loans, disconnect loans, and press loans, do not engage in "one -size -fits -all", and keep real estate development loans smoothly and orderly.

13. Strengthen financial support for key consumer fields and new citizen group financial support

Guide financial institutions to increase support for medical health, elderly care, cultural tourism, new consumption, green consumption, county rural consumption and other fields to enrich consumer financial products such as cars; actively issue entrepreneurial guarantee loans, enrich new civic credit products Supply and improve the equality and convenience of basic financial services.

14. Reduce small and micro enterprises and individual industrial and commercial household payment fees

Guide banking institutions on the basis of exempting a account management fee (including small account management fees, no household management fees, the same below) and annual fees, exempt all units of the account of all units to settle account management Fees and annual fees. For small and micro enterprises and individual industrial and commercial households, a single transfers of public cross -bank transfer remittances below the counter 100,000 yuan (inclusive), commercial banks implement discounts in accordance with the 10 % discount of 10 % of the current government guidance standards. If the actual charging standard is lower than the above standards, the banking institution is encouraged to continue the actual charging standard. The banking institution is required to cancel the charge of the charge, the loss of the fee, the fee, and the handling fee, the cost of the work, and the loss of the fee for the ticket and the bank's exchange. The bank card acquisition agency is required to implement the reducing receipt service fee simultaneously according to the card service fee and network service fee discount. The billing period of billing business is long -term, and the remaining fee reduction measures are from September 30, 2021 to September 30, 2024; For small and micro enterprises and individual industrial and commercial households.

Fifteen, effectively protect the affected by the affected group of greater group credit,

For individuals and enterprises who have temporarily lost their income sources due to the affected affection, people who are hospitalized or isolated for infection with new crown pneumonia, and participating in the prevention and control staff of the epidemic requires financial institutions to efficiently implement the "affected related overdue loans affected by the epidemic. The relevant regulations submitted "to speed up the adjustment of relevant overdue records and ensure the minimum impact on the above group.

16. Development of account receivable financing service platform online political lending business

Promote the acquisition of account receivable financing service platforms with the provincial government procurement system to achieve docking and data sharing, carry out special training for enterprise, guide financial institutions to actively carry out online political lending business, so that the bidding suppliers will work 1-2 working days. Can get loans and improve financing efficiency.

Seventeen, help the tax funds accurate and efficiently arrive at the corporate account

Optimize the management of the treasury, timely handle the tax refund business of various types of enterprises, and use the "Electronic Returns Automatic Review Procedure" to efficiently check the electronic information and improve the efficiency of electronic tax refund. The value -added tax refund work was completed before the end of June. The other types of tax refund came to do it immediately, and the funds were refunded in place as soon as possible.

18. Support enterprise exchange rate risk management

Comprehensive, multi -high, and multi -media actively carried out corporate exchange rate risk neutrality and education. Organize foreign exchange derivatives business training for small and medium -sized enterprises to help companies understand foreign exchange derivatives business. Effectively promote banks to improve the service capabilities of the grass -roots level, help small and medium -sized enterprise customers to establish and improve the exchange rate risk management system, appropriately reduce the cost of expenses, and reduce the cost of derivatives of enterprises.

19. Steady improvement of trade investment in RMB settlement convenience

The filtering of qualified high -quality enterprises in the province is included in the "List of Cross -border RMB Settlement High -quality Enterprises" to simplify the settlement process and enrich RMB investment and financing products. Do a good job of policy propaganda for key enterprises and key areas, and timely understand and help solve the problems existing in the settlement of corporate cross -border RMB.

20. Efforts to solve the practical problems encountered in the management of the main business of foreign -related markets

Open telephone consultation, online message, online investigation, visits, visits, discussions and communication, and inquiry for the feedback channels for the major foreign -related market entities, take various ways to increase publicity, and expand public awareness. Guide banks to solve the problem quickly, the response rate is 100%, and strive to meet the increasing demand for foreign exchange services for the people.

Twenty -one, increase the crackdown on criminal fake currency crimes

Strengthen the information sharing and judgment with the information of the public security organs, strengthen the cooperation of police banks, and crack down on counterfeit currency crimes, so that the people can avoid economic losses or reduce losses to a minimum.

22. Establish a sound financial dispute mediation system

Promote the establishment of a direct cooperation mechanism with the grassroots courts with the grassroots courts, simplify financial dispute mediation judicial confirmation procedures, strengthen the legal effect of mediation calligraphy, and avoid unspeakable disputes. Pilot the construction of county -level financial dispute mediation organizations in Dongning and other places, and establish a system of mediation organization system of provincial, municipal, and county -level financial disputes. Give full play to the professional advantages of all member units of the Provincial Financial Judicial Cooperation Center, deal with handling, share data, improve the efficiency of financial regulatory departments, and reduce the pressure of repeated disposal of financial institutions. 23. Strengthen policy publicity and promotion

Make full use of the media, WeChat public account and other channels to vigorously publicize financial policies, publish hotline telephones, arrange special personnel who are familiar with business to take over and accept consulting, help the public know the policies, understand policies, and policies, and form support for the prevention and control of the epidemic and prevention and control of the epidemic. A good financial environment for economic and social development.

Heilongjiang Banking Insurance Bureau

1. Implement the rescue policy and protect the development confidence of the market subject

(1) Implement the policy of renewal and delay. Further promote the "with the borrowing" model, increase the implementation of the renewal policy, and take the initiative to follow up with the financing needs of normal small and micro enterprises that meet the conditions of renewal. For enterprises with willingness to repay and absorb employment capabilities, and have temporary business difficulties, we will consider the exhibition period, reorganization and other means, and independently negotiate loans to repay the principle of repayment of the principles in accordance with the principles of marketization. For those who have temporarily lost their income sources due to the affected affected situation, they must increase their tilt and negotiate the expiration of repayment repayment and interest payment arrangements. It is necessary to comprehensively take the renewal loans, circular loans, and annual review loans, and effectively reduce the pressure on the interest of the trapped enterprises. For the affected customers that are eligible, related loans are not submitted as overdue records, and penalties are exempted.

(2) Increase loans. Various loans throughout the year increased by more than 8.5%. Banking institutions should formulate a full -year credit plan and decompose them to local cities and departments, and actively apply for the application quota to ensure that their own loan growth rate is not lower than the average level in the system. All banking financial institutions shall, in accordance with the overall deployment of the province's main guarantee and employment of residents in the province, reserve the credit quota in full, and have a key and category to ensure sufficient credit financing supply. For industries such as tourism, accommodation, catering, wholesale and retail, transportation, logistics and warehousing, as well as companies that are indeed prospective but temporarily trapped, they must not blindly draw loans, disconnection, and loan.

(3) Strengthen insurance protection. Actively and effectively increase the insurance supply, and at the same time open up the green channel of claims as appropriate, and ensure that you should pay everything. Insurance agencies are encouraged to develop responsible insurance, business interruption, and epidemic prevention and control comprehensive insurance on the basis of controlling risks. Encourage the expansion of insurance services, appropriately extend the insurance period of traffic insurance and commercial auto insurance in the closed management area, and appropriately reduce the rate of insurance such as the affected area and the insurance of corporate engineering performance insurance. Encourage insurance institutions to improve the efficiency of insurance compensation based on the actual situation of the epidemic prevention and control.

2. Focus on key groups and continue to promote inclusive financial coverage

(4) Improvement of loans of small and medium -sized enterprises can be obtained. In response to the characteristics of light assets of small and micro enterprises, bank institutions are encouraged to increase credit loans, and actively promote real estate and rights pledge financing business such as inventory, accounts receivable, intellectual property rights, etc., and reduce excessive dependence on traditional mortgage such as real estate. In -depth promotion of Yinfang cooperation and bank insurance cooperation, providing credit support, and rationally sharing loan risks, realizing the "two increases" of the loan of small and micro enterprise loans in 2022, that is, the growth rate of loans is not lower than the growth rate of various loans. The balance of the balance is not lower than the level of the beginning of the year. Make good use of the province's financial service teams, "hundreds of banks into thousands of enterprises" data, and account opening docking to improve the efficiency of bank -enterprise docking. Efforts to tap new loan customers and "first loan households", encourage "loan dreamers", and focus on increasing the proportion of "first loan households". Increase the financial coverage of individual industrial and commercial households, and the individual operators who do not need to apply for business licenses in accordance with the "E -commerce Law", "Investigation and Investigation Measures of the E -commerce", "The Measures for the Investigation and Investigation of the Business" Give financial support to ensure the continuous growth of loans and households of individual industrial and commercial households. Encourage government financing guarantee institutions to provide guarantees for the first loan loan of small and micro enterprises and individual industrial and commercial households under the same conditions.

(5) Ensure the development needs of "agriculture, rural areas, and rural areas." Make every effort to make financial security for food security and important agricultural products, encourage priority to arrange credit funds, increase financial product innovation, rationally improve the level of insurance protection, fully meet the demand , Help the province's comprehensive grain production capacity and farmers' income improvement. Efforts will be made to achieve the continuous growth of the balance of agricultural loans in the province, and the growth rate of inclusive loans in the inclusive agriculture -related loan of legal person banking institutions in the jurisdiction is higher than its various loans.

(6) Promoting the effective connection of the results of the consolidation and expansion of poverty alleviation. Strictly implement the overall requirements of the "four non -picking", maintain the existing assistance policies, the overall stability of support, and strive to meet the financial needs to prevent the development of production and production of dynamic monitoring of poverty. Increase financial resources tilt and product innovation in poverty alleviation areas, and strive to achieve the continuous growth of various loan balances in poverty alleviation and agricultural insurance insurance. The varieties of agricultural insurance in each poverty alleviation county have increased steadily. Actively connect poverty alleviation households that meet the loan conditions and prevent monitoring households from returning to poverty, and ensure that the "loan should be dedicated". Increase policy tilt, compact the responsibility of work step by step, and help support the provincial rural rejuvenation and help counties to accelerate development. (7) Improve the level of financial services of "new citizens". Focusing on employment and so on, transfer to new towns and the local "new citizens" group to strengthen product and service innovation. Encourage bank insurance agencies to conduct in -depth investigations and arrangements in accordance with the actual development of the local area and local governments, to further investigate and understand the distribution of "new citizens" in the provinces, counties, counties and districts, further clarify the scope and objects of services, and accurately provide financial services. Strengthen financial support for more regions and industries to absorb "new citizens", improve financial services, effectively meet financial needs in terms of entrepreneurial employment, house purchase, education and training, medical and pension, etc., and help the province's "new citizens" in the province The town is better to live in business.

3. Strengthen the coordination of the industrial chain and ensure financial needs in key areas

(8) Fully support traffic, logistics and keeping unobstructed. Encourage bank insurance institutions to innovate financial products of direct logistics business entities, support the development of logistics hubs, logistics parks and enterprises, and increase credit support for logistics channels such as highways, freight railways, and navigation airports and major projects. Support and cultivate new model companies such as cold chain logistics, green logistics, network freight, smart logistics, and multi -type transportation. Encourage the use of stocks such as stock products and trucks, cold chain transport vehicles, containers and other assets as loan mortgages. Insurance institutions are encouraged to develop products such as accidental damage insurance such as the characteristics of special positions such as truck drivers and courier personnel. Guide insurance institutions to actively develop property insurance businesses such as cargo transportation insurance and road cargo transportation carrier responsibility insurance to provide risk protection for the logistics industry.

(9) Efforts to ensure the stable supply chain of the industrial chain. Support to accelerate the promotion of innovation -driven intelligent transformation, and promote the industrial high -end jump to the high -end value chain. Encourage the focus on the mid -to -long -term credit offering of advanced manufacturing and strategic emerging industries. Bank insurance institutions should accurately connect the demand, develop exclusive financial products, and better serve the province's key core technology enterprises, innovative SMEs, and "specialized Special "SMEs and" Little Giant "enterprises. Bank insurance institutions should regulate the development of supply chain finance, and on the basis of strengthening risk prevention and control, rely on core enterprises to integrate resources such as financial products, customers, channels, etc., comprehensively use transaction data, funds, and logistics information to provide upstream and downstream enterprises with "a settlement of a subsidiary "Financial services to ensure the normal operation of the supply chain of key industrial chain, anti -epidemic supply enterprises, and key infrastructure.

(10) Multi -dimensional strengthening support for foreign trade enterprises. Banking institutions should optimize foreign exchange and sales services and credit management, and provide appropriate foreign exchange risk aversion products for small and micro foreign trade enterprises. Import and export banks should actively carry out loan business of small and micro foreign trade enterprises to make efforts to enhance financial service capabilities. Consolidating the role of export credit insurance, under the premise of controlling risks, further optimize the export credit insurance underwriting and claims, and expand the coverage and scale of small and medium -sized foreign trade enterprises. Encourage bank insurance cooperation, provide trade financing services under credit insurance items for small and micro enterprises, give full play to the risk -to -release role of insurance risks, and continuously cultivate the insurance policy financing business under the development of short -term export credit insurance items.

Fourth, adhere to classified policies, support effective investment to promote consumption

(11) Support the province to expand effective investment. Maintain the support of the province's "100 major projects", promote the project as soon as possible, and realize the physical workload. Actively provide financial support for high -quality projects with high scientific and technological content, strong driving capacity, and good development prospects in the province. Cooperate with local governments to do a good job of issuance of special debt and project support, support the acceleration of major project projects and urban and rural infrastructure construction, and use investment to drive consumption and release more consumption potential.

(12) Improve financial services in the housing field. Adhering to the positioning of "housing and not frying", focusing on "stable price, stable house price, and stable expectations", the city's policy implementation has implemented differentiated housing credit policies, supports the improvement of rigid housing demand, and promotes the virtuous cycle and healthy development of the real estate industry in the province. We will conscientiously implement the five types of groups that have a good job of doing a good job in the work of mortgage loans to be affected by the epidemic affected by the epidemic, and accurately identify the policy clearly covering the policy.

(13) Optimize financial services in the consumer field. Mobilizing financial institutions to support promoting and expanding consumption, and continuously promoting the provincial bank institutions and consumer finance companies to improve financial services. Enrich rural consumer credit products and services, and increase financial support for rural business circulation and consumption of residents. Encourage financial institutions to enrich large consumer financial products under the premise of controllable risk control and commercial sustainability. Encourage insurance companies to provide insurance services for the consumer field.

5. Continue to consolidate the results and make reasonable benefits from the real economy

(14) Improve the interest rate pricing mechanism. The loan pricing mechanism of small and micro enterprises should dynamically reflect the trend of the loan market quotation interest rate (LPR). Banking institutions that use the development bank's transfer of loans to issue small and micro enterprise loans shall do a good job of interest rate pricing and control, and the terminal interest rate shall not be higher than the average level of similar loans of similar local institutions. For the relatively serious areas of the province, the internal fund transfer pricing of lower local branches can be given to local branches. Efforts to achieve the comprehensive cost of loans of small and micro enterprises in 2022 have declined. (15) Standardize financing fees. Strict implementation of the national price authorities and the CBRC's regulations on regulating the service price management and credit financing charges of commercial banks, and preventing illegal charges or transfers in disguise. Insurance institutions carry out financing and insurance business, carefully evaluate risks and operating costs, combine the actual risk level of the performers and a reasonable determination rate of comprehensive affordability, and establish a scientific and reasonable risk sharing mechanism. Through third -party services, we must avoid the burden on the enterprise from multiple segments.

(16) Promoting the cost reduction. Encourage bank insurance institutions to actively practice social responsibility and actively reduce service fees to market entities that are trapped in the epidemic. Actively strive and fully grasp the benefits of related currencies, tax reduction and exemption, local fiscal risk compensation and incremental rewards of small and micro enterprises, and effectively conduct effectively to the terminal interest rate price.

6. Optimize the product process and comprehensively improve the quality of financial services

(17) Improve and improve the comprehensive financial service capabilities. All bank insurance institutions should improve the emergency response capabilities of public health incidents such as new crown pneumonia and major natural disasters, and support the production of self -rescue and relief development of the production and industry enterprises in the province. It is necessary to establish a fast reaction mechanism for the deployment of financial resources and coordinated services, and open up green channels in credit financing, insurance compensation, online services, and technical guarantees to ensure that the quality and efficiency of financial services are not damaged due to epidemic.

(18) Innovative financing methods and means. Actively strive for credit to the head office, and reserve sufficient credit lines for related companies such as group customers. Innovate the pledge guarantee method, and implement the approval conditions in the methods of interbank linkage and remote underwriting. Encourage banking institutions to actively increase the amount of credit granting for the expansion of the demand for funds, and do not force enterprises to provide additional credit enhancement measures. Further optimize the process of credit approval process, shorten the approval time, and focus on ensuring the loan application of enterprises during the prevention and control of the epidemic. In principle, credit approval and loan issuance must be completed within 24 hours.

(19) Vigorously promote online business. All banking institutions should focus on improving the enterprise credit information evaluation model and system, increase the use of financial technology, and make full use of big data, cloud computing and other means and methods to help credit loans issuance. In -depth promotion of real estate mortgage Internet registration is fully implemented. Increase the development of "Silver Tax Interaction" products and the promotion of the "smart countryside" platform. All banking institutions should vigorously promote online business, promote the full process online processing of loan applications, approval, and issuance, and widely guide enterprises and individual customers to use the Internet, telephone, WeChat and other methods to handle business "".

Seven, strengthen incentives and constraints, release the ability of grassroots institutions to exhibit the initiative

(20) Improve performance assessment. Bank insurance institutions should play the role of financial development in local economic and social development, and to compact credit investment in relatively underdeveloped regions in the province, and give priority to meeting credit demand. In terms of internal fund transfer pricing (FTP), profit loss compensation, comprehensive performance assessment, marketing costs, etc., it can be appropriately tilted to gradually improve the regional balance of financial resources.

(21) Implementation of duties exemption. All bank insurance institutions must supervise the requirements of standards, make a detailed internal mechanism of "dare to loan", further deepen and improve the construction of inclusive financial professional mechanisms, and to implement the requirements of institutions, performance assessment, and dedication to credit. Essence Encourage bank institutions to formulate risk management rules for special periods, and improve the due diligence exemption system and exemption list. All branches should actively strive for support from the head office to protect the work enthusiasm of grass -roots operating units and credit review and approval personnel.

(22) Implement supervision tolerance for special fields. Inside the bank's inclusive small and micro enterprise loan, and the adverse rate of the new agricultural business subject loan is higher than the adverse rate of various loans within 3 percentage points (inclusive), it is not used as a deduction factor for regulatory rating. If the non -performing loan rate of bank institutions in the provincial key county -level help county is less than 3 percentage points (inclusive) targets for its own non -performing loan ratio, it is not used as a regulatory evaluation and internal assessment deduction factors.

Heilongjiang Securities Regulatory Bureau

1. Promote the implementation of the relevant policies of the CSRC and provide support for the prevention and control of the epidemic and corporate relief

(1) Optimize the process of counseling and supervision, and support the influence of the epidemic and the affected areas and enterprises to accelerate the declaration. Carry out online services for corporate counseling supervision and supervision, and realize the full electronic process of the submission of corporate counseling materials and the issuance of tutoring documents. Open online communication consulting, flexibly arrange on -site inspections, overcome the impact of the epidemic, and accelerate the application of the listing of eligible enterprises. Investment and financing projects that have a large area of ​​impact on the epidemic and the leading listed enterprises and listed companies that directly participate in resistance, and support their policies such as accelerated declarations under the premise of fully preparation.

(2) Support enterprises to issue outbreaks to prevent and control corporate debt expansion of financing. For the affected regions and industry companies in the epidemic, bonds raised funds for the areas related to epidemic prevention and control or for corporate bonds due during the prevention and control period of the epidemic, and support their issuance of epidemic prevention and control bonds, and enjoy the green channel policy of issuing services. Strengthen the policy support for the issuance of industrial debt in our province, and coordinate and docking the exchanges' policy consulting services. Support relevant local cities and cities, overall industrial layouts, replace high -quality costs with high -quality industrial enterprises, high -risk debt financing, and actively prevent and control the risk of breach of contract. (3) Support enterprises to make good use of various reducing and reduction policies. With the support of the minimum settlement deposit payment of the stock business, with the support of the policy support, the securities institutions are guided to optimize the management of cash flow and enhance service capabilities. Promote the registration fee for the exemption of the two networks and the shares of the delisting company, the non -trading fee for the securities of the two -network and the exit company for exemption; The overall transfer rate of transaction rate is reduced by 50%of the policy role, which further stimulates the vitality of the market.

(4) Support private equity funds to enjoy the "Green Channel" arrangement. For private equity funds involved in the issue of mergers and acquisitions of listed companies; private equity funds and entrepreneurial investment funds that participate in the pharmaceutical and health of the epidemic, support their filing applications and relevant matters to enjoy the "green channel" policy.

2. Promote the implementation of our province's support for the listing of enterprises and strongly support the listing of enterprises

(5) Increase the listed service work. Focusing on the "Implementation Opinions of the People's Government of Heilongjiang Province on Further improving the quality of listed companies" and "Opinions of the People's Government of Heilongjiang Provincial People's Government on Further Accelerating the Listing of Enterprises", focusing on the province's advantageous industries and high -quality enterprises, we are digging the resources of the reserve enterprise, high -quality high -quality reserve enterprises, high -quality high -quality reserve enterprises, high -quality high -quality Listing reserve enterprises focus on support, give full play to the role of intermediary service agencies, improve the quality of listed companies, and strengthen publicity and training. In conjunction with members of the provincial -listed leadership groups, they will work together to accelerate the listing of enterprises in the province.

(6) Efforts to promote the improvement of listed companies. Encourage listed companies in our province to expand the scale of direct financing by issuing issuance, distribution, convertible bonds, corporate bonds, and asset securitization products. Support listed companies to increase resource integration through acquisitions and reorganizations, realize the integration of advantageous resources in the region and the industry, and promote the optimization and upgrading of industrial structure by carrying out across regions and cross -ownership acquisitions.

3. Guide market entities to increase the efforts to help enterprises and benefit enterprises

(7) Guide local intermediaries to strengthen investment and financing services for SMEs. Guide Jianghai Securities Company to increase the construction of the local investment banking team, lead the establishment of an expert service team, change the concept and sink service, implement a preferential fee policy for financing services in our province, and reduce the financing costs of small and medium -sized enterprises. Supervise the implementation of epidemic prevention, strengthen personnel management and place prevention and control, and ensure smooth online transactions.

(8) Continue to promote and improve the "insurance+futures" business model. Support the futures institutions of our province to actively carry out market propaganda, and provide professional services for physical enterprises to use the futures market to avoid risks. Promote the joint insurance agency joint insurance agency to help conditional, willing farmers and small and medium -sized enterprises to actively apply for the Dalian Commodity Exchange's "Agricultural Insurance Plan" and "Enterprise Style Plan" project to obtain financial support from the Dalian Commodity Exchange. Guide futures institutions to joint insurance agencies to explore and optimize the "insurance+futures" model to better serve the province's agricultural main body and small and medium -sized enterprises.

Provincial Local Financial Supervision Bureau

1. Implementation of the "Double Stability Fund" guarantee loan extension and repayment of this policy

In accordance with the principle of marketization and the rule of law, the eligible "dual -stabilized fund" guarantee loan is re -implemented again.

(1) Scope of application. It is suitable for the "double-stable fund" stock guarantee loan that has been postponed from January 1, 2021 to January 31, 2022.

(2) Loan postponement method. According to the application of corporate loan delay, financial institutions, combined with the affected situation and operating conditions of the enterprise, the loan entities that have difficulty repayment, through renewal loans (including non -repayment loans), exhibition period, etc. This arrangement.

(3) Delay time limit. The application for the extension of the time limit was extended to January 31, 2023, and the loan delivery period stipulated in the "Provincial SME Small and Medium Enterprise Stable Enterprise Stability and Stable Fund Guarantee Loan Risk Compensation Cooperation Agreement" was extended simultaneously.

(4) Renewal and guarantee conditions. The use of renewal funds is still mobile funds. The maximum renewable loan amount does not exceed 2021 delay policy loan quotas, and the period does not exceed 12 months. The loan interest rate does not exceed the recently announced one -year LPR (loan market quotation interest rate) plus 100 base points, and the annualized guarantee rate of government financing guarantee institutions remains unchanged.

2. Strengthen financing guarantee services in key areas

Guide government financing guarantee institutions around key areas and continuously expand the coverage of financing guarantee. The first is to establish a government financing guarantee service system. Guide the provincial Xinzheng, the provincial agricultural burden, and the 17 municipal government financing guarantee agencies (4 Harbin, 2 Daqing, and 1 other municipalities) to reduce the approval time, improve the efficiency of approval, reduce the guarantee premium rate, reduce Anti -guarantee measures, increasing mortgage rates, and innovative product services provide policy support to small and medium -sized enterprises. The second is to improve the "National Financing Guarantee Fund+Provincial Reinstation Guarantee+Municipal Government Financing Guarantee" three -level re -guarantee system. The qualified government financing guarantee companies are included in the re -guarantee system and the support scope of the national financing guarantee fund, and the coverage of small and medium -sized enterprises and individual industrial and commercial households is expanded. The third is to establish a service guarantee system in key areas. Guide government financing guarantee institutions to focus on small and micro enterprises, "agriculture, rural areas, and rural", actively explore and carry out innovative business, improve the "tolerance" acceptance mechanism, and effectively improve the efficiency of financing guarantee services. %, The proportion of single household guarantee amounts of 5 million yuan and below shall not be less than 50%. 3. Reduce financing guarantee rate

Strictly implement the state regulations that "gradually reduce the average guarantee rate of government financing guarantee institutions to less than 1%", guide government financing guarantee agencies to adhere to the positioning of quasi -public services, and reduce the comprehensive rate of financing guarantee for financing guarantee under the premise of sustainable operation.

4. Improve the service quality and efficiency of the financing guarantee industry

Improve the "three mechanisms" and improve service quality. The first is the docking service mechanism. Push the financing information of key enterprises in batches, and government financing guarantee agencies arranged special personnel to be responsible for docking services, in -depth excavation of effective financing needs, and continuously increasing the service efforts to guarantee credit increase services. The second is to cultivate the counseling mechanism. Guide government financing guarantee institutions to strengthen the tracking and counseling of key enterprises, and gradually improve market entities such as small and medium -sized enterprises. The third is the information feedback mechanism. Regularly statistical government financing guarantee institutions service key industries and key enterprises.

5. Deepen the docking of political and bank companies

In conjunction with the Provincial Development and Reform Commission, the Provincial Department of Industry and Information Technology, the Provincial Department of Commerce and other direct provincial departments to sort out and summarize the financing needs information of the province's key industries, enterprises (projects), and push it to relevant financial institutions and financing in the provincial banks, insurance, securities, and other relevant financial institutions and financing Local financial organizations such as guarantee companies have promoted the effective docking of enterprises with financial institutions and local financial organizations.

6. Continue to play the role of financial service teams

Continue to implement the "Establishment of Financial Services to Support Enterprise Reinstaclation and Re -Production Work Plan", and promote 10 provincial banking institutions including the provincial and National Bank of China as the lead bank. The service team strengthened the financial services of the counterpart market (prefecture), deepened the docking of banking enterprises, used enough financial policies, innovated financial products, expanded credit offering, and continued to increase major projects (local) projects, private economy, small and micro enterprises, small and micro enterprises, small and micro enterprises, small and micro enterprises. Financial support in key areas and weak links.

(Provincial Local Financial Supervision Bureau Policy Contact person: Liu Ming 0451-82802053)

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