On January 6, the general office of the State Council issued the overall pilot plan for the comprehensive reform of market-oriented allocation of factors (hereinafter referred to as the plan), promoting the in-depth development of the reform of market-oriented allocation of factors.
Among them, the plan clearly proposes to encourage financial institutions to develop credit products that match the needs of small, medium-sized and micro enterprises; Support the pilot use of digital RMB in retail transactions, living payment, government services and other scenarios; Support qualified pilot areas to innovate financial supervision methods and tools.
increase the supply of effective financial services
Traditional credit investigation services mostly rely on user information and transaction data. There are some problems, such as limited data dimensions, insufficient value mining, few innovative products, and gradually become the restrictive factor for the high-quality development of the credit investigation industry.
In terms of increasing the supply of effective financial services, the plan points out that relying on the national credit information sharing platform, we will strengthen the sharing and integration of public credit information. Give full play to the role of credit investigation platforms and credit investigation institutions, and establish a sharing and integration mechanism between public credit information and financial information. Promote the "Xinyi loan" model, make good use of the supply chain bill platform, the unified registration and publicity system of movable property financing and the accounts receivable financing service platform, and encourage financial institutions to develop credit products that match the needs of small, medium-sized and micro enterprises.
In fact, in terms of increasing the sharing of public credit information, relevant cases have been implemented first. For example, Beijing financial big data company innovatively launched the Jingyun enterprise credit investigation platform, broke through the digital source limitations of traditional credit investigation services, and introduced public data such as tax, social security and provident fund, which greatly improved the richness and comprehensiveness of enterprise credit data.
The first financial reporter learned that up to now, the Jingyun enterprise credit investigation platform has used the opened 118 data interfaces to provide services for 44 financial institutions such as banks, insurance and guarantees and more than 20000 platform users for more than 8 million times.
It is worth noting that the scheme proposes to establish and improve data circulation and transaction rules. Explore the transaction paradigm of "the original data is not out of the domain and the data is available and invisible", and promote the data circulation and application in some fields step by step and orderly on the premise of protecting personal privacy and ensuring data security.
The relevant person in charge of Beijing Financial Holding Group mentioned that "we have always put data security in a prominent position, established a perfect data security management system, continuously improved the ability of data security governance, and built a solid guarantee for promoting the healthy development of the digital industry".
The central economic work conference stressed that we should promote the financing increment, expansion and price reduction of small, medium-sized and micro enterprises, and help small, medium-sized and micro enterprises and individual industrial and commercial households reduce their burdens, relieve difficulties and resume development.
Dong ximiao, chief researcher of Zhaolian finance and part-time researcher of the Institute of finance of Fudan University, believes that increasing financial support for small, medium-sized and micro enterprises and individual industrial and commercial households is an important measure to achieve "six stabilities", "six guarantees" and stabilize economic recovery, which will lay a foundation for a steady start of economic work in 2022. Financial institutions should develop customized products and services according to the characteristics of individual industrial and commercial households. First, efforts should be made to increase the proportion of "first loan" of individual industrial and commercial households and get through the "first kilometer" of financial services by setting up special quotas and increasing internal incentives; Second, we should improve institutional arrangements, simplify business links, innovate more convenient loan renewal, loan repayment and other products, continue to do a good job in loan renewal for individual industrial and commercial households, and reduce the cost of loan renewal; Third, comprehensive use of financial technology, offline investigation and other means to reduce the dependence on mortgage and pledge and other guarantee methods, and launch more convenient and flexible credit loans.
In addition, the plan also points out that it is necessary to explore the establishment of a rapid write off system for bad debts of small and medium-sized enterprises. Explore the deepening cooperation between banking institutions and external equity investment institutions to develop diversified scientific and technological financial products. Support the pilot use of digital RMB in retail transactions, living payment, government services and other scenarios. We will support the improvement of the governance structure of small and medium-sized banks and rural credit cooperatives, and enhance financial inclusiveness.
the principle of territoriality compacts the supervision responsibilities of various local financial organizations
In recent years, local financial organizations represented by small loan companies, financial leasing companies and factoring companies have developed rapidly, playing a positive role in serving the local economy and alleviating the financing difficulties of small, medium and micro enterprises, but also accumulating some risks. Some local governments have strengthened the supervision of local financial organizations and also assumed the responsibility of territorial financial risk disposal.
In terms of improving the local financial supervision and risk management system, the plan is clear, supports qualified pilot areas to innovate financial supervision methods and tools, and implements standardized access, establishment approval, in-process and post supervision for all kinds of local financial organizations. In accordance with the principle of territoriality, the provincial people's Government shall be responsible for supervision and risk disposal.
Local financial organizations, as the name suggests, are institutions approved and supervised by local governments to serve local economic development and small, medium and micro enterprises. Recently, the people's Bank of China issued the regulations on local financial supervision and Administration (Draft for comments). In accordance with the principle of "central unified rules, local supervision, who approves, who supervises and who takes responsibility", the people's Bank of China incorporated various local financial formats into the unified regulatory framework, and strengthened the prevention, resolution and disposal of local financial risks.
Dong ximiao believes that the introduction of local financial supervision and administration regulations to endow local governments with the responsibility for the supervision of local financial organizations and the responsibility for local financial risk disposal in the form of administrative regulations will help to clarify the rights and responsibilities of local governments in financial supervision and risk disposal, better promote the healthy development of local finance and better prevent regional financial risks. At present, the office of the financial commission of the State Council has established a local coordination mechanism, and the provincial people's governments have established a discussion and coordination mechanism for local government financial work. Giving better play to the role of the two mechanisms is an important content and work to strengthen local financial supervision and risk prevention.
(First Finance)
