On December 29, the general office of the State Council issued the notice on printing and distributing the implementation plan for strengthening the sharing and application of credit information and promoting the financing of small, medium and micro enterprises (hereinafter referred to as the notice), proposing to accelerate the pace of credit information sharing, deepen the development and utilization of data, innovate and optimize the financing mode, and strengthen information security and the protection of the rights and interests of market subjects, Help banks and other financial institutions to improve their ability to serve small, medium-sized and micro enterprises and continuously improve the availability of loans for small, medium-sized and micro enterprises.
Just half a month ago, the first executive meeting of the State Council after the central economic work conference focused on the topic of "strengthening financial support for small, medium-sized and micro enterprises". The meeting proposed to build a national integrated financing credit service platform network, take serving the financing of small, medium-sized and micro enterprises as the guidance, and accelerate the registration of market subjects on the premise of law and regulation and ensuring information security Information sharing such as administrative punishment, judicial judgment and enforcement, tax payment and social security payment has helped banks improve their ability to serve small, medium-sized and micro enterprises.
The issuance of the notice is to implement this year's government work report and the requirements of the above-mentioned executive meeting of the State Council. The notice also proposes to establish relevant working mechanisms to support banks, insurance, guarantee, credit service and other institutions in need to access the financing credit service platform.
"In recent years, the national development and Reform Commission, the China Banking and Insurance Regulatory Commission and other departments have vigorously promoted the" easy credit "model. Relying on the national credit information sharing platform, they have built and operated the national comprehensive credit service platform for financing of small and medium-sized enterprises. Based on credit information sharing and big data development and application, they have fully tapped the value of credit information, alleviated the problem of information asymmetry between banks and enterprises, and played an important role in financial institutions and enterprises Build an "information Golden Bridge" between small and micro enterprises. " On December 29, Zhao Chenxin, Secretary General of the national development and Reform Commission, said at the regular policy briefing of the State Council.
Zhao Chenxin also introduced that according to preliminary statistics, by the end of November, the national banking financial institutions had issued more than 7 trillion yuan of loans through financing and credit service platforms at all levels, of which about 1.65 trillion yuan of credit loans were issued. It should be said that the "Xinyi loan" model has played an important role in supporting the financing of small, medium-sized and micro enterprises.
Under the triple pressure, we need to increase the support of small, medium-sized and micro enterprises
Small, medium-sized and micro enterprises are an important force in stabilizing growth, promoting employment and ensuring people's livelihood. In recent years, the financial supply side structural reform has been further promoted, and the social credit system has been continuously improved, which has effectively promoted the financing of small, medium-sized and micro enterprises.
On December 29, the Information Office of the State Council held a regular policy briefing of the State Council to introduce the implementation plan for strengthening the sharing and application of credit information and promoting the financing of small, medium and micro enterprises. According to Mao Hongjun, head of the Inclusive Finance Department of the China Banking and Insurance Regulatory Commission, at the press conference, as of the end of November, the loan balance of small and micro enterprises across the country was 49.45 trillion yuan, of which the loan balance of inclusive small and micro enterprises with a single credit of 10 million yuan or less was 18.73 trillion yuan, with a year-on-year growth rate of 24.13%, 12.79 percentage points higher than the growth rate of various loans. "There is a good trend of increasing the amount, expanding the area and reducing the price of loans for small and micro enterprises."
However, restricted by factors such as bank enterprise information asymmetry, the availability of loans for small, medium-sized and micro enterprises is not high, and the proportion of credit loans is low. Zhao Chenxin said that the current application of credit information sharing still has a certain gap compared with the financing business needs of small, medium-sized and micro enterprises, it is difficult to obtain data from some departments and industries, and the cost of information acquisition is high.
"Especially at present, China's economic development is facing the triple pressure of shrinking demand, supply shock and weakening expectation. Further strengthening financial support for small, medium-sized and micro enterprises and individual industrial and commercial households is of great significance to deal with the new economic downward pressure and the uncertainty caused by the impact of the epidemic, and maintain a stable and healthy economic environment." Zhao Chenxin said.
The central economic work conference held in early December further proposed to increase financing support for the real economy and promote the financing increment, expansion and price reduction of small, medium-sized and micro enterprises. The executive meeting of the State Council held on December 15 pointed out that at present, small, medium-sized and micro enterprises and individual industrial and commercial households are facing great difficulties. We should focus on protecting market players and coping with the new downward pressure of the economy, and use market-oriented methods to increase financial support for small, medium-sized and micro enterprises and individual industrial and commercial households.
The notice aims to support banks and other financial institutions to improve their ability to serve small, medium-sized and micro enterprises, give full play to the role of various credit information platforms, collect and share all kinds of enterprise related credit information in various ways, and solve the problem of bank enterprise information asymmetry. At the same time, it is required to make full use of big data and other technologies, improve the credit evaluation system, innovate financial products and services, and increase the tilt of credit resources to small, medium-sized and micro enterprises; Establish and improve mechanisms for risk identification, monitoring, sharing and disposal to improve risk prevention capacity.
Two major problems promote the strengthening of credit information sharing
"Strengthening the sharing and application of credit information" is the core content of the notice, which specifically requires the provincial people's governments to establish or improve the local financing credit service platform on the basis of making full use of the existing local credit information sharing platform, credit investigation platform, comprehensive financial service platform and other information systems, Cities and counties with conditions are encouraged to establish relevant financing credit service platforms in combination with actual conditions.
Taking the credit investigation platform as an example, the central bank disclosed that by the end of the third quarter, the central bank had promoted the construction of 10 provincial-level local credit investigation platforms and more than 40 prefecture level local credit investigation platforms. The platform collected 11.8 billion pieces of information from 63.61 million enterprises and helped 653800 small and micro enterprises obtain credit of 2.34 trillion yuan.
At the same time, the circular further requires that relying on the established national comprehensive credit service platform for financing of small and medium-sized enterprises, horizontally connect the national enterprise credit information publicity system and information systems in relevant industries, vertically connect with local financing credit service platforms at all levels, and build a national integrated financing credit service platform network, Connect with data sharing and exchange channels such as the national integrated government service platform.
So far, the national financing and credit service platform has been interconnected with 103 places, covering 273 local sites, more than 2000 financial institutions and more than 13.8 million enterprises.
"From the previous research, the credit information sharing level is still difficult to meet the financing needs of the market players, mainly reflected in two aspects: on the one hand, some local and financial institutions reflect that many important credit information is difficult to obtain, but these information is very necessary for the accurate and objective description of the credit situation of the enterprise, and the lack of relevant information will greatly affect the bank. Lending enthusiasm; On the other hand, in order to obtain this information, some banks need to connect with multiple places and departments and access multiple platforms. Therefore, there is an urgent need for a platform to provide information in a package after appropriate integration. " Chen Hongwan, director of the Department of finance, finance and credit construction of the national development and Reform Commission, explained.
Zhou Min, director of the national public credit information center, also said at the above press conference that at present, banking financial institutions generally face the problem of difficult access to credit information or high access cost when issuing inclusive small and micro enterprise loans, which is the problem that the "Xinyi loan" model focuses on solving. It is believed that with the continuous improvement of the quantity and quality of credit information, the development of "Xinyi loan" model will be further promoted, and the ability of banking financial institutions to develop inclusive small and micro enterprise loans will also be significantly improved.
Zhou Min also explained that at present, many places have established information sharing platforms for service financing, and the competent departments are also different. The construction of a national integrated financing credit service platform network is not to start over and engage in repeated construction, but to make full use of existing resources and improve operation efficiency.
14 categories of information are included to guide banks to actively connect
What is the specific information to strengthen credit information sharing? The circular specifies that, guided by the financing business needs of small, medium-sized and micro enterprises and individual industrial and commercial households, and on the premise of ensuring information security in accordance with laws and regulations, gradually include tax payment, social insurance premium and housing provident fund payment, import and export, water and electricity, real estate, intellectual property rights, scientific and technological R & D and other information into the sharing scope, so as to break the "data barrier" and "information island", At the same time, enterprises are encouraged to supplement and improve their own information by means of "voluntary filling + credit commitment" and unblock information sharing channels.
Chen Hongwan concluded that the payment of taxes, social insurance premiums and housing provident fund, import and export, water and electricity fees, real estate, intellectual property rights and scientific and technological research and development, which are most urgently needed for the financing business of small, medium-sized and micro enterprises, are included in the sharing scope, and the communication information sharing channels are smooth.
Taking water and electricity as an example, it mainly includes the payment details, the average consumption in recent 3 months and recent 6 months, and whether the current fee is in arrears. After being authorized by the enterprise, it will be called by the local interface and completed before June 2022.
It is understood that the National SME financing comprehensive credit service platform links the provincial and municipal SME financing comprehensive credit service platform sites. Enterprises can click the local site link to enter the local platform to apply for financing. Enterprises can also choose characteristic Xinyi loan products to directly apply for financing according to their own industry field. After receiving the enterprise's online application, the financial institutions settled on various platforms will comprehensively evaluate the enterprise's credit status and independently decide whether to provide financing and credit services.
How to promote the use of "Xinyi loan" by banks? Mao Hongjun introduced that the CBRC incorporated the participation of banks in credit information sharing into the financial service supervision and evaluation system of small and micro enterprises. There is a special index to determine whether banks have carried out "Xinyi loan", and those with "Xinyi loan" have extra points, guide banks to actively connect with "Xinyi loan" and other platforms, actively release financial products and make good use of credit information resources, Improve the level of loan risk management.
At the same time, the CBRC encourages banks to organically combine enterprise credit information with internal financial data, improve business approval technology and risk management model, actively innovate credit loan products, and increase the proportion of credit loans for small and micro enterprises.
In addition, for the factors worried by the outside world, Chen Hongwan said that a hierarchical and classified management and use system of information will be established, and the information that should not be disclosed must be queried or verified after being authorized by the information subject; Or if conditions permit, it can be used after technical processing through joint modeling, etc., so as to realize the "availability and invisibility" of data and strictly protect trade secrets and personal privacy.
Note: credit information sharing list
(21st Century Business Herald)
