Heavy!Henan Financial's Package policy came, and 35 measures in 7 major aspects include these p

[Dahe Daily · Dahecai Cube] (Reporter Pei Rongguan) Henan's financial package policy came!

In order to fully implement the Party Central Committee, the State Council, the Provincial Party Committee, and the Provincial Government on the decision -making and deployment of the economic decision -making, efficiently coordinate the prevention and control of the epidemic and the development of economic and social development, ensure the implementation of various financial policies, and provide solid financial support for the stabilization of the economic market. On June 13, the local financial supervision bureaus of Henan Province, the Zhengzhou Central Sub -branch of the People's Bank of China, the Henan Banking Insurance Regulatory Bureau, and the Henan Securities Regulatory Bureau jointly issued the "Henan Financial Supporting Economic and Social Steady and Healthy Development Work Plan" (hereinafter referred to as the "Plan") Essence

The "Plan" has clearly clarified 35 The gold content of the item contains full support to support the steady and healthy development of the economy and society.

What specific content does this "plan" contain a nearly 10,000 -character "Plan"? What are the major actions in the financial sector? What kind of discounts can various types of enterprises get from it? The reporter of the Dahe News Dahecai Cube sorted out for the first time to explore these unsatisfactory points for you.

Point 1: Implement the extension of the principal and interest policy, and normalize the promotion

In order to work together to cross the epidemic difficulties, the "Plan" mentioned that the banking financial institutions encouraged the extension of the principal and interest of the bank's financial institutions to the small and medium -sized enterprises and individual industrial and commercial households, truck driver loans and personal housing and consumer loans. The company continuously expands the supply of insurance products and services, actively explores the methods of paying for profit -making, extension of premiums, extended insurance policies, and gift policies to support the overwhelming enterprises and crowds that have severely affected the affected by the epidemic or economic downturn.

For example, accommodation, catering, retail, cultural, tourism, transportation and other difficult industries such as accommodation, catering, retail, cultural, tourism, transportation, etc., encourage financial institutions to appropriately relax the delay period according to the actual situation, and adopt the lowered interest rate, deduct service charging, adjustment, adjustment Reflected financing costs such as interest payment arrangements, expanding medium- and long -term loans and credit loans. Guide financial institutions to actively explore the issues of scenic spots, sports facilities, ticket income pledge, and cultural tourism enterprises' construction land mortgage, and real estate mortgage loans for the management rights of scenic spots, sports facilities, and ticket income, and to help enterprises solve the tension of mobile funds.

The "Plan" also mentioned that the "president entered the thousand enterprises" activities, the focus of sinking activities, in -depth key business districts, wholesale markets, logistics parks, etc., accurately carried out "two questions and four delivery", expanded financial benefits from enterprises to relieve enterprises and relieved the rescue of enterprises. Policy coverage.

Key points 2: Strive for 2022 to issue all kinds of re -loans and re -discount 100 billion yuan

In order to fully support the development of small and micro enterprises, the "Plan" mentioned that the amount of small and re -loan loans in the agricultural branch is used to increase the credit support for agriculture, small and micro, and private areas. The loan is discounted by 100 billion yuan. Promote the accelerated implementation of the inclusive small and micro loan support tools, and provide financial support at the inclusive small micro loan issued by qualified legal person financial institutions at an increase of 2%of the loan balance.

Innovate the financial financing model of supply chain, actively play the role of China -China account receivable financing service platform and real estate financing unified registration and publicity system, promote financial institutions to broaden the scope of pledged goods, and actively carry out accounts receivable, prepayment, inventory, warehouse bills Elimination of rights and real estate offsets the pledge business to solve the financing problems of small and medium -sized enterprises with insufficient light assets and lack of mortgage guarantees.

Carry out special actions for interest in the real economy, improve the interest rate pricing mechanism, and strive to decline in the newly issued inclusive small and micro enterprise loan interest rates issued in 2022 compared with 2021. It is strictly forbidden to collect service fees to small and micro enterprises in any form, or transit the borrowing, transfer costs, deposit and loan hooks, and increase the financing costs of small and micro enterprises in disguise, and increase the business burden of enterprises.

The "Plan" also mentioned that financial institutions are encouraged to broaden the boundaries of individual industrial and commercial households and small and micro enterprises, and for flexible employment subjects such as taxi drivers, online shop owners, and truck drivers who do not need to apply for business licenses in accordance with relevant laws and regulations. Industry and commercial households and small and micro -enterprise owners give financial support under the same conditions.

Key points 3: Continue to promote the actual loan interest rate and decrease steadily.

In order to fully reduce the cost of corporate financing, the "Plan" mentioned that guiding financial institutions to optimize and improve the fine pricing level of loans, appropriately put loan pricing permissions, and promote the steady reduction of actual loan interest rates.

Strengthen the guidance of the window, guide local legal person financial institutions to give internal funds transfer pricing interest rates to key areas such as strategic emerging industries, scientific and technological innovation, and green low -carbon in key areas, and include the implementation of the implementation of the existence of the same industry and the issuance of large -scale deposit orders to guide the city Commercial banks and other legal person financial institutions give more than 10 BPs for internal fund transfer pricing interest rates to the above -mentioned loans.

Focusing on credit, loan assistance, assessment, credit increase, etc., urge banking financial institutions to strictly implement the "seven inaccurate", "four opens", "two forbidden and two limits" and other cost reduction policies, cancel credit fund management fees, small and micro Enterprises repay the liquidated damages in advance, and take the initiative to bear the fees such as pledge evaluation and mortgage registration fees. Strive for the total amount of credit -related expenses of the provincial banks in 2022 to take the initiative to undertake or reduce credit -free credit.

Key points 4: Implementing the five -year increase in the company's listing, and the establishment of the REITS project

In order to promote the development of the capital market and improve the financing efficiency of the capital market, the "Plan" mentioned that the implementation of the five -year increase in the implementation of enterprises, formulated and introduced special policies, and accelerated the promotion of high -quality enterprises such as platform enterprises, digital companies, biological enterprises, in domestic and overseas capital markets Listing financing. Adhere to the cultivation and introduction, to accelerate the introduction of the introduction of the introduction, and to support the listing with local foreign enterprises with high correlation with local characteristic industries, superior industries, and traditional industries. Strive for five years from 2022, 20 new domestic and overseas listed companies have been added each year, and the total number of listed companies in Henan Province exceeds 200. Implement the three -year action plan for the quality of listed companies. Establish an anomalous business early warning mechanism to improve risk discovery and prevention capabilities. Continue to carry out special actions of listed companies to govern, and effectively improve the level of governance of listed companies.

Carry out the special activities of "Yu See Bei Stock Exchange to strengthen capital pole", invite the Beijing Stock Exchange and well -known investment and financing institutions in the country to interpret policies, and organize the "Start of the Bei Stock Exchange" specialized new enterprise roadshow and the listing of the Bei Stock Exchange to close the door. The exchange meeting promoted more "specialized new" SMEs to go public in the Beijing Stock Exchange.

The "Plan" also mentioned that the Henan Securities Regulatory Bureau and the Provincial Local Financial Supervision Bureau will cooperate with the Provincial Development and Reform Commission to carry out REITS promotion and special training, and conduct the rehearsal and screening of enterprises that meet the requirements of REITs, establish a reserve library after establishing the REITS project, promote the promotion Eligible new infrastructure, affordable rental housing, and new energy projects "enter the pool". Strive to land on the ground by the end of 2022.

Key points 5: Implement the special action of "insurance capital into Yu" to accelerate the pace of listing of "specialized new" enterprises

In order to increase the financial support of infrastructure construction, major projects, scientific and technological innovation, and green and low -carbon, the "Plan" mentioned that it has promoted the signing of strategic cooperation agreements from the National Circuit, Agricultural Distribution and Henan Province, and surrounded by scientific and technological innovation, new urbanization, and post -disaster after the disaster. Rebuilding, water conservancy and water transportation, highway logistics, rural revitalization, green low -carbon, grain safety, rural human settlement environment and other key areas to conduct in -depth cooperation, and give full play to the important role of policy, development finance in key areas, weak links, and key periods.

Guide the banking financial institutions in Henan to actively strive for credit scale from the head office, extend the loan period, and increase support for infrastructure construction and major projects. Promote banking financial institutions to strengthen financial products and service innovation, and increase the manufacturing industry medium- and long -term loans and credit loans.

Establish a special class of "dangerous capital into Yu" to implement special operations of "insurance capital entry". In accordance with the characteristics of insurance funds, investment preferences, and policy requirements, establish a "insurance capital entry" project library, strengthen the dynamic management of the warehouse project, enhance the attractiveness of financing projects, and improve the efficiency of "insurance capital entry". Regularly organize the project and the headquarters of the insurance institution to carry out project roadshow and normal investment financing docking, guide the insurance institutions in Henan to play a bridge, and actively promote the high -quality projects and policies of Henan Province to the headquarters and insurance asset management institutions.

Support Zhengzhou Bank to accelerate the development of policy science and technology and financial business, and high -tech enterprises, science and technology small and medium -sized enterprises, and "specialized new", "unicorn", "gazelle", "unicorn", "unicorn", "unicorn", "unicorn", "unicorn" " "Innovative enterprises provide low interest rates, weak guarantees, long cycles, and credit -based credit products. Promote provincial government guarantee agencies with Bank of Zhengzhou to strengthen policy cooperation in policy -oriented and financial business, and establish a risk sharing mechanism of "seeing loans, insurance, and loan".

The "Plan" also mentioned that to accelerate the pace of listing of "specialized specialty" enterprises, to include eligible "specialized new" enterprises into the cultivation of the provincial key listing reserve enterprise library, implement the "green" channel of the enterprise listing, strengthen the help Support guidance to promote the listing of "specialized specialty" reserve companies on science and technology boards, GEM, and Bei Stock Exchange.

Point 6: Due to the implementation of differentiated housing credit policies, support the healthy development of the real estate market

In order to help the healthy development of the real estate market, the "Plan" mentioned that due to the implementation of differentiated housing credit policies to better meet the reasonable credit needs of individual housing consumption, in cities that do not implement purchase restriction measures, residents and families buy commercial individuals for the first time to purchase ordinary housing In principle, the minimum down payment ratio of housing loans is 25%, and 5 percentage points can be floated downward.

Use the full use of mergers and acquisitions loan policies, support banking financial institutions in accordance with the principles of compliance, controlled risks, and commercial sustainability in accordance with laws, and to carry out the mergers and acquisitions of real estate projects in an orderly manner in accordance with the principles of compliance, controlled risks, and commercial sustainable business. Its high -quality projects, reasonably determine the financing period, optimize internal management mechanisms, accelerate the acquisition of loan approval processes, and improve the efficiency of full -process service. This type of merger and acquisition loans will not be included in the concentration management of real estate loans for the time being.

The "Plan" also encourages financial institutions to rationally increase its support for stable and risky real estate enterprises and projects, and do not blindly "one -size -fits -all" loans, loan breaks, and loans, and maintain the smooth and orderly distribution of real estate development loans. On the basis of controlling risks, support for construction enterprises to appropriately increase support for liquidity loans. The key supervision funds in the pre -sale fund supervision account of commercial housing. Before the first registration of the ownership of the house by the commercial housing project, commercial banks shall not deduct the real estate development loans without authorization.

Point 7: Actively prevent and resolve financial risks, and require financial institutions

In order to prevent resolving financial risks and promote the healthy growth of the enterprise, the "Plan" mentioned that enterprises should strictly implement the main responsibility, actively formulate a practical risk resolution solution, realize industrial upgrading, production capacity improvement as soon as possible, and enhance their own blood -making ability and profitability.Financial institutions should establish the concept of the community of fate of banking and enterprises, coordinate and promote various assistance measures, and help enterprises get rid of difficulties and resolve risks.The local government must earnestly perform their duties, give full play to the role of risks to resolve special classes, one enterprise and one strategy, and classify policies.The financial department and industry management departments should strengthen supervision responsibilities, continuously improve the level of scientific supervision, strengthen coordination and linkage with relevant departments and local governments, and jointly promote corporate risks to resolve compliance according to law.All "Plan"

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