Recently, the central bank and the safe launched 23 financial rescue policies for epidemic prevention and control and economic and social development. In order to cooperate with the precise implementation of this policy in Beijing, the business management department of the people’s Bank of China and the Beijing foreign exchange management department jointly launched relevant action plans with financial institutions under their jurisdiction, and put forward 14 detailed implementation measures.
This “special action plan on financial support for epidemic relief and economic and social development” (hereinafter referred to as “action plan”) clearly states that in 2022, Beijing will strive to release no less than 150 billion yuan of central bank policy funds to guide and leverage greater credit supply; Establish a list of financing needs of small and micro enterprises and individual industrial and commercial households in catering, retail, tourism, transportation and other industries in conjunction with industry competent departments, and guide financial institutions to actively connect services; Give full play to the joint efforts of monetary policy tools, financing guarantee, fiscal interest discount, risk compensation and other policies, and support banks within their jurisdiction, especially local corporate banks, to provide differentiated financial services.
In addition, the “action plan” proposes to continue to promote fee reduction measures in four aspects: reducing bank account service charges for small and micro enterprises and individual industrial and commercial households, RMB transfer and remittance handling charges, bank card swiping handling charges, and canceling some bill business charges; Commercial banks in this Municipality are encouraged to exempt the management fee and annual fee of unit bank settlement accounts, and it is suggested to reduce the handling fee of enterprise bank account opening and online banking cost.
In terms of giving full play to the role of Finance in unblocking the circulation of the national economy and paying close attention to the implementation of financial policies to support the real economy, the “action plan” proposes to further give play to the function of Beijing’s Bank enterprise docking system, continue to promote the “zero credit bank enterprise docking activity”, “special action for first loan expansion” and “special action for creating loan expansion”, and strive to make the growth rate of inclusive small and micro loans in Beijing more than 10 percentage points higher than that of various loans in 2022; Take multiple measures to support private enterprises in issuing bonds and financing. At the same time, based on the positioning of Beijing Science and technology innovation center and Beijing Centergate Technologies (Holding) Co.Ltd(000931) a new round of pilot reform, the “action plan” proposes to make good use of and make full use of the new scientific and technological innovation refinancing policy of 200 billion yuan, and strive to make the landing amount of scientific and technological innovation refinancing in the city and the number of enterprises benefiting take the lead in the country; Based on the existing “jingchuangtong” and “jingchuangrong”, research and create innovative small and micro enterprise loan support tools in Beijing.
The “action plan” emphasizes that we should make every effort to ensure energy, people’s livelihood materials and supply chain financial services. Set up a special rediscount for energy supply and guarantee, and provide a special quota of 5 billion yuan for energy enterprises; Increase the amount of special rediscount products of “jinglvtong” from 2 billion yuan to 5 billion yuan, and increase financial support for green development; We will increase the amount of special re loan products of “Beijing Agricultural Finance” from 5 billion yuan to 10 billion yuan, and focus on strengthening credit support for important Shenzhen Agricultural Products Group Co.Ltd(000061) whole industry chains such as grain.
In promoting the steady and healthy development of the real estate market, the “action plan” also pointed out that financial institutions should implement differentiated housing credit policies, optimize credit business processes, better meet the reasonable housing needs of people who just need to buy houses, and flexibly adjust the housing repayment arrangements of people affected by the epidemic; Expand the supply of real estate development loans, do not blindly withdraw, cut off and suppress loans for high-quality real estate projects, and do a good job in M & a financial services for key real estate enterprise risk disposal projects.
In terms of optimizing the handling of foreign exchange and cross-border RMB business and promoting the steady development of foreign trade exports, the “action plan” proposes to expand the pilot of foreign debt facilitation quota in Beijing Centergate Technologies (Holding) Co.Ltd(000931) demonstration zone, and support scientific and technological innovation and cross-border financing of specialized and new enterprises; Simplify the management of foreign debt accounts, expand the pilot scope of one-time foreign debt registration, support enterprises to apply for foreign debt registration online, and continuously improve the convenience of cross-border financing of enterprises; Expand the pilot business scope of trade and foreign exchange revenue and expenditure facilitation in Beijing, and support high-quality small and medium-sized enterprises to apply facilitation policies; Upgrade the facilitation policy of cross-border RMB high-quality and honest enterprises; Actively strive for the application scenario of cross-border financial service platform “export credit insurance policy financing” to be implemented in Beijing; Further facilitate the settlement of foreign exchange loans and the repayment of foreign exchange purchases of China with export background; Timely respond to the exchange rate hedging needs of market players, especially small, medium-sized and micro foreign trade enterprises.
