Notice on further promoting the high -quality development of financial services manufacturing industry

The Banking Regulatory Supervision Bureau, various policy banks, large banks, joint -stock banks, insurance groups (holding) companies, insurance companies, insurance asset management companies:

In order to thoroughly implement the decision -making and deployment of the Party Central Committee and the State Council on the financial service manufacturing industry, further promote the improvement of the banking insurance industry to improve the manufacturing financial services, and better support the high -quality development of the manufacturing industry. With the consent of the Banking Regulatory Commission, the relevant matters are notified as follows:

1. Effectively improve ideological understanding

The high -quality development of manufacturing is the top priority of my country's high -quality development. Bank insurance institutions must deeply understand the significance of supporting the development of the manufacturing industry, further improve their political standing, strengthen responsibility, and resolutely unify their ideas and actions into various decisions and deployments of the Party Central Committee, optimize resource allocation, increase support, improve services Quality and efficiency provide strong financial support for the high -quality development and manufacturing power of manufacturing.

2. Further increase financial support

All Banking Insurance Regulatory Bureau and bank insurance institutions should thoroughly implement the decision -making and deployment of the Central Economic Work Conference, accurately grasp the overall planning and policy orientation of the national manufacturing development industry, and ensure that the "Government Work Report" "Increases the medium- and long -term loans of manufacturing" goals Task. Implementation of documents such as promoting the steady growth of the industrial economy, solidly stabilizing the economy's policies and measures, etc., and implementing various policies for financial support for the development of the manufacturing industry. Large state -owned banks should optimize the distribution of economic capital, tilt towards manufacturing enterprises, and promote the continued growth of medium- and long -term loans in the manufacturing industry. Policy banks should combine functional positioning to better play the role of policy finance on manufacturing.

3. Optimize financial services in key areas

Banking institutions should expand the scale of medium- and long -term loans and credit loans of manufacturing, focus on supporting high -tech manufacturing and strategic emerging industries, promote the development of advanced manufacturing clusters, and improve their independent innovation capabilities of manufacturing enterprises. Increase medium- and long -term funding support for traditional industries in terms of equipment renewal, technological transformation, and green transformation and development. Focusing on market entities such as high -tech enterprises, "specialized new" SMEs, and technology -based small and medium -sized enterprises, credit loans and first loans are increased. Improve the financial services of anti -epidemic relief, strengthen the financial guarantee of the production and supply of key medical supplies, and support the core technology of the high -end medical device industry's core technology research and innovative development. Optimize manufacturing foreign trade financial services and support manufacturing companies such as automobiles and home appliances to "go global". Do a good job of financial services for new citizens, and increase financial support for manufacturing enterprises with more employment of new citizens. Actively and steadily develop supply chain financial services, rely on the core enterprises of the manufacturing industry chain, strengthen data and information sharing on the basis of effectively controlling risks, and use accounts receivable, inventory and warehouse receipt pledge financing, etc. Enterprises provide convenient and fast financial services.

Fourth, innovative financial products and services

Under the premise of compliance and controlling risks in accordance with laws, banking institutions should develop financial products that meet the characteristics and needs of the development stage of manufacturing enterprises, reasonably determine the financing period and loan interest rate, and provide differentiated and comprehensive financial services for manufacturing enterprises. In -depth implementation of the national innovation -driven development strategy, promoting financing models such as pledge of intellectual property, pledge of real estate, pledge receivables, and equity pledge, and promoting manufacturing to high -end, digital, and intelligent transformation. Precise and effectively carry out financial services for private enterprises, and be treated equally for state -owned enterprises and private enterprises. Strengthen the scientific and technological support of financial innovation, deepen the research in key industries and cutting -edge fields, promote the deep integration of scientific and technological methods such as the Internet, big data, and artificial intelligence with financial services, reduce service costs, improve service efficiency, and strengthen business management.

5. Continue to support the recovery financial policy

Banking institutions should focus on the weak links of the development of the manufacturing industry, make good use of the existing financial support policies, and actively help companies with good credit in the early stage and temporarily suffer due to the epidemic, avoid blind loan, break, and loan. Continue to implement extended principal and interest on the implementation of small and medium -sized enterprises in the manufacturing industry in accordance with the principles of marketization. In principle, the extension of the repayment of the interest payment date does not exceed the end of 2022. The loan of inclusive small and micro enterprises that have been severely affected by the epidemic in 2022 will be tilted according to the actual situation to appropriately relax the delay period. Monetal policy tools such as incremental rewards for inclusive small and micro loans, support for small and retro loans can alleviate the difficulty of liquidity funds for small and micro enterprises in manufacturing. In accordance with the principles of commercial sustainable business, measures such as internal capital transfer prices and formulation of differentiated interest rate pricing permissions are actively rationalized to manufacturing enterprises.

6. Strengthen insurance risk protection and capital use

Insurance institutions should improve the level of risk protection of manufacturing enterprises, improve scientific and technological insurance services, increase the guarantee of the quality of intellectual property, scientific research materials and equipment and scientific research results, and promote the first batch of application insurance for major technical equipment insurance and new materials for the first (set) of the first (set) The compensation mechanism pilot. Provide comprehensive insurance solutions for technology enterprises in accordance with laws and regulations, and use large commercial insurance and subscribing policies to better serve enterprises cross -regional insurance needs. Insurance funds shall provide long -term stable financial support for advanced manufacturing and strategic emerging industries under the premise of controlling risks and voluntary business voluntary and business voluntary business.

7. Improve the level of specialization of financial services

Bank insurance institutions should combine their own market positioning and development plan to incorporate the development of service manufacturing into the company's strategy. Banking institutions should establish a sound incentive and restraint mechanism, clarify the division of responsibilities and tasks, optimize the setting of the economic capital distribution and assessment weight of the manufacturing industry, reasonably define their dedication and exemption, and guide financial resources to the manufacturing industry. Standardize the charges and management of all aspects of financing, and it is strictly forbidden to issue unreasonable conditions when issuing loans. Under the premise of controlling risks, appropriate loan approval and product innovation permissions, optimize the evaluation and evaluation process, and improve the enthusiasm of the branch "dare to loan". Insurance institutions should improve the rate adjustment mechanism, reduce the insurance rate of high -quality manufacturing enterprises, simplify the underwriting procedures, and improve the efficiency of insurance claims. 8. Enhance financial risk prevention and resolution ability

Bank insurance institutions should further strengthen the construction of internal control compliance and comprehensive risk management, and enhance institutional constraints and execution. Banking institutions should do "three investigations" in real loans, strictly classify manufacturing loans, and truly reflect the risk. Do a good job of management and authenticity inspection of credit funds, and effectively prevent risk of incidents and misappropriation. Resolutely prevent the scale of loans and funds from virtual loans and funds through bills. Encourage compliance with laws and compliance, through nuclear sales and transfer, increase the handling of non -performing loans in manufacturing enterprises, and orderly withdraw from the "zombie enterprise" in an orderly manner. Insurance institutions should strengthen capital management and capital constraints, improve the level of competency risk management, effectively identify and manage various risks, improve the operating mechanism of prudent and stable funds, and prevent risks cross -industry transmission. Resolutely crack down on various types of illegal financial activities, make every effort to maintain the order of the financial market, and focus on improving the ability of risk management and control.

Nine, strengthen financial supervision and policy coordination

All Banking and Insurance Regulatory Bureau shall incorporate the development of the financial service manufacturing industry into daily supervision, clarify the supervision focus and responsibility departments, and do a good job of supervision and guidance and daily monitoring. Strengthen work with local development, industry and information, financial, taxation and other departments, and actively cooperate with local governments to improve the policy environment to promote the development of the manufacturing industry. Evaluate the effectiveness of various policies in a timely manner, guide bank insurance institutions to strengthen research and analysis, summarize the work measures and results of the development of financial services manufacturing, and actively submit the implementation of the work.

General Office of the China Banking and Insurance Regulatory Commission

July 4, 2022

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