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国务院深化改革拓展小微企业融资渠道

????普惠金融政策体系不断完善。国务院总理李克强6月26日主持召开国务院常务会议,确定进一步降低小微企业融资实际利率的措施,决定开展深化民营和小微企业金融服务综合改革试点。  数据显示,截至2019年5月末,全国普惠小微贷款余额已达10.3万亿元。而根据目前透露出的政策信号,相关部门还将继续出台针对性的措施来助推普惠金融发展。一方面,在深化利率市场化、降低小微企业融资成本的同时,定向降准、定向中期借贷便利等结构性货币政策工具将灵活运用,精准支持小微企业融资。另一方面,普惠金融监管工具箱将进一步完善。据悉,监管部门正在研究建立普惠金融服务考核评价体系,也正在加快推动普惠金融相关领域立法以及着手制定推进普惠金融发展规划(2021至2030)。与此同时,为了解决普惠金融领域突出的信息不对称问题,相关信用信息平台的建设也是下一步政策的着力点。  党的十八届三中全会将“发展普惠金融”作为国家战略,随后国务院印发的《推进普惠金融发展规划(2016-2020)》则明确提出了推进普惠金融发展的总体思路、原则要求和实施方案。最近两年间,为了支持普惠金融发展,货币政策、监管政策、财税政策均在不断优化。  以货币政策为例,央行更加注重发挥结构性工具的作用,将普惠金融定向降准的政策考核标准扩大到单户授信1000万元以下的小微企业,2018年以来四次增加支小再贷款额度共计6000亿元,下调支小再贷款利率0.5个百分点。今年,还建立了对中小银行实行较低存款准备金率的政策框架。  而支持普惠金融发展的监管政策也更为突出“差异化”的特点。银保监会普惠金融部巡视员张金萍表示,2018年,银保监会提出了单户授信总额1000万元及以下的“普惠型小微企业贷款”的定义,作为监管重点引导支持的口径,并建立了相应的统计指标体系,对这部分小微企业贷款,在监管考核、资本占用、不良容忍度等方面都有差异化的政策安排。而财税政策方面,财税部门对金融机构符合条件的普惠金融领域贷款利息、保费收入实行增值税、印花税、企业所得税优惠,延续有关准备金税前扣除政策。  在政策红利源源不断地释放之下,无论是银行还是非银机构,均加大了业务创新和投入力度。建行自去年末民营企业座谈会后,连续下发多个文件,在强化信贷政策支持、增加资源配置,优化绩效考核、激发内生动力,创新服务新模式、提升业务处理效率和能力,提升民营企业金融服务可获性等方面,提出26条具体举措和工作要求。平安普惠则逐渐探索出金融科技为基础的开放式聚合借贷服务平台模式,使业务在稳健运营的前提下形成规模效应,并进一步摊薄单位成本,使可持续的普惠金融商业模式成为可能。  监管部门人士多次表态称,普惠金融政策和实践是一个持续推进、层层叠加的过程,而非“运动式”的短期行为。从最近监管部门释放的信号看,未来政策将继续推动普惠金融在增量、扩面、降成本、防范风险等维度间平衡发展。  货币政策方面,26日的国务院常务会提出,深化利率市场化改革,完善商业银行贷款市场报价利率机制,更好发挥贷款市场报价利率在实际利率形成中的引导作用,推动银行降低贷款附加费用,确保小微企业融资成本下降。中国人民大学重阳金融研究院副院长董希淼表示,下一步,应进一步完善LPR(贷款基础利率)形成机制,增强LPR的市场认可度和公信力,逐步让LPR替代贷款基准利率成为贷款利率定价的“锚”。  中国人民银行金融市场司副司长邹澜日前在媒体吹风会上表示,央行将实施好稳健的货币政策。加大逆周期调节,营造有利于小微企业融资的货币金融环境,灵活运用定向降准、定向中期借贷便利、再贷款、再贴现等结构性货币政策工具,建立对中小银行实行较低存款准备金率的政策框架,精准支持小微企业融资。国家金融与发展实验室副主任曾刚表示,通过定向降准、定向再贷款对中小银行提供专项且成本更低的资金来源,能推动降低其资金成本,使其在一定程度与大行进行更为充分的竞争。中小银行下沉程度更高,获得一定政策支持也能为其创新产品创造更好的条件。  差异化的监管政策也将进一步完善。26日的国务院常务会指出,支持中小微企业通过债券、票据等融资。完善商业银行服务小微企业监管考核办法,提高银行对小微企业贷款能力。今年金融机构发行小微企业金融债券规模要大幅超过去年,力争达到1800亿元以上。中国银保监会普惠金融部主任李均锋最近也撰文指出,加快推动普惠金融相关领域立法。推动尽快出台《非存款类放贷组织条例》等涉及新型供给主体、业务模式领域立法。  值得注意的是,监管部门也在着力推进普惠金融基础设施体系建设,为了着力解决信息不对称的问题,扩大金融机构和政府部门信息合作共享范围正在成为最近的重点工作之一。张金萍表示,银保监会正在积极和相关部委沟通合作,如与国家税务总局开展银税互动,与市场监管总局合作将企业工商信息提供给银行。下一步,银保监会也会加强与海关总署等部门的合作。  对于下一步的普惠金融政策,业内人士也提出了一些建议。中国普惠金融研究院研究总监莫秀根表示,当前国家对普惠金融发展高度重视,出台的政策有一定效果,但是,距离达到“在商业可持续的前提下服务小客户”的目的还尚有距离,需进一步努力。疏通资本与小微企业等小客户的普惠金融渠道,是监管部门必须立即开展的重点工作内容,这包括鼓励金融科技的应用、不同金融机构之间的合作、放松非存款金融机构的融资渠道和杠杆等等。

pu hui jin rong zheng ce ti xi bu duan wan shan. guo wu yuan zong li li ke qiang 6 yue 26 ri zhu chi zhao kai guo wu yuan chang wu hui yi, que ding jin yi bu jiang di xiao wei qi ye rong zi shi ji li lv de cuo shi, jue ding kai zhan shen hua min ying he xiao wei qi ye jin rong fu wu zong he gai ge shi dian.   shu ju xian shi, jie zhi 2019 nian 5 yue mo, quan guo pu hui xiao wei dai kuan yu e yi da 10. 3 wan yi yuan. er gen ju mu qian tou lou chu de zheng ce xin hao, xiang guan bu men hai jiang ji xu chu tai zhen dui xing de cuo shi lai zhu tui pu hui jin rong fa zhan. yi fang mian, zai shen hua li lv shi chang hua jiang di xiao wei qi ye rong zi cheng ben de tong shi, ding xiang jiang zhun ding xiang zhong qi jie dai bian li deng jie gou xing huo bi zheng ce gong ju jiang ling huo yun yong, jing zhun zhi chi xiao wei qi ye rong zi. ling yi fang mian, pu hui jin rong jian guan gong ju xiang jiang jin yi bu wan shan. ju xi, jian guan bu men zheng zai yan jiu jian li pu hui jin rong fu wu kao he ping jia ti xi, ye zheng zai jia kuai tui dong pu hui jin rong xiang guan ling yu li fa yi ji zhuo shou zhi ding tui jin pu hui jin rong fa zhan gui hua 2021 zhi 2030. yu ci tong shi, wei liao jie jue pu hui jin rong ling yu tu chu de xin xi bu dui chen wen ti, xiang guan xin yong xin xi ping tai de jian she ye shi xia yi bu zheng ce de zhuo li dian.   dang de shi ba jie san zhong quan hui jiang" fa zhan pu hui jin rong" zuo wei guo jia zhan lue, sui hou guo wu yuan yin fa de tui jin pu hui jin rong fa zhan gui hua 20162020 ze ming que ti chu le tui jin pu hui jin rong fa zhan de zong ti si lu yuan ze yao qiu he shi shi fang an. zui jin liang nian jian, wei le zhi chi pu hui jin rong fa zhan, huo bi zheng ce jian guan zheng ce cai shui zheng ce jun zai bu duan you hua.   yi huo bi zheng ce wei li, yang hang geng jia zhu zhong fa hui jie gou xing gong ju de zuo yong, jiang pu hui jin rong ding xiang jiang zhun di zheng ce kao he biao zhun kuo da dao dan hu shou xin 1000 wan yuan yi xia de xiao wei qi ye, 2018 nian yi lai si ci zeng jia zhi xiao zai dai kuan e du gong ji 6000 yi yuan, xia diao zhi xiao zai dai kuan li lv 0. 5 ge bai fen dian. jin nian, hai jian li le dui zhong xiao yin hang shi xing jiao di cun kuan zhun bei jin lv de zheng ce kuang jia.   er zhi chi pu hui jin rong fa zhan de jian guan zheng ce ye geng wei tu chu" cha yi hua" de te dian. yin bao jian hui pu hui jin rong bu xun shi yuan zhang jin ping biao shi, 2018 nian, yin bao jian hui ti chu le dan hu shou xin zong e 1000 wan yuan ji yi xia de" pu hui xing xiao wei qi ye dai kuan" de ding yi, zuo wei jian guan zhong dian yin dao zhi chi de kou jing, bing jian li le xiang ying de tong ji zhi biao ti xi, dui zhe bu fen xiao wei qi ye dai kuan, zai jian guan kao he zi ben zhan yong bu liang rong ren du deng fang mian dou you cha yi hua de zheng ce an pai. er cai shui zheng ce fang mian, cai shui bu men dui jin rong ji gou fu he tiao jian de pu hui jin rong ling yu dai kuan li xi bao fei shou ru shi xing zeng zhi shui yin hua shui qi ye suo de shui you hui, yan xu you guan zhun bei jin shui qian kou chu zheng ce.   zai zheng ce hong li yuan yuan bu duan di shi fang zhi xia, wu lun shi yin hang hai shi fei yin ji gou, jun jia da le ye wu chuang xin he tou ru li du. jian hang zi qu nian mo min ying qi ye zuo tan hui hou, lian xu xia fa duo ge wen jian, zai qiang hua xin dai zheng ce zhi chi zeng jia zi yuan pei zhi, you hua ji xiao kao he ji fa nei sheng dong li, chuang xin fu wu xin mo shi ti sheng ye wu chu li xiao lv he neng li, ti sheng min ying qi ye jin rong fu wu ke huo xing deng fang mian, ti chu 26 tiao ju ti ju cuo he gong zuo yao qiu. ping an pu hui ze zhu jian tan suo chu jin rong ke ji wei ji chu de kai fang shi ju he jie dai fu wu ping tai mo shi, shi ye wu zai wen jian yun ying de qian ti xia xing cheng gui mo xiao ying, bing jin yi bu tan bo dan wei cheng ben, shi ke chi xu de pu hui jin rong shang ye mo shi cheng wei ke neng.   jian guan bu men ren shi duo ci biao tai cheng, pu hui jin rong zheng ce he shi jian shi yi ge chi xu tui jin ceng ceng die jia de guo cheng, er fei" yun dong shi" de duan qi xing wei. cong zui jin jian guan bu men shi fang de xin hao kan, wei lai zheng ce jiang ji xu tui dong pu hui jin rong zai zeng liang kuo mian jiang cheng ben fang fan feng xian deng wei du jian ping heng fa zhan.   huo bi zheng ce fang mian, 26 ri de guo wu yuan chang wu hui ti chu, shen hua li lv shi chang hua gai ge, wan shan shang ye yin hang dai kuan shi chang bao jia li lv ji zhi, geng hao fa hui dai kuan shi chang bao jia li lv zai shi ji li lv xing cheng zhong de yin dao zuo yong, tui dong yin hang jiang di dai kuan fu jia fei yong, que bao xiao wei qi ye rong zi cheng ben xia jiang. zhong guo ren min da xue chong yang jin rong yan jiu yuan fu yuan chang dong xi miao biao shi, xia yi bu, ying jin yi bu wan shan LPR dai kuan ji chu li lv xing cheng ji zhi, zeng qiang LPR de shi chang ren ke du he gong xin li, zhu bu rang LPR ti dai dai kuan ji zhun li lv cheng wei dai kuan li lv ding jia de" mao".   zhong guo ren min yin hang jin rong shi chang si fu si zhang zou lan ri qian zai mei ti chui feng hui shang biao shi, yang hang jiang shi shi hao wen jian de huo bi zheng ce. jia da ni zhou qi tiao jie, ying zao you li yu xiao wei qi ye rong zi de huo bi jin rong huan jing, ling huo yun yong ding xiang jiang zhun ding xiang zhong qi jie dai bian li zai dai kuan zai tie xian deng jie gou xing huo bi zheng ce gong ju, jian li dui zhong xiao yin hang shi xing jiao di cun kuan zhun bei jin lv de zheng ce kuang jia, jing zhun zhi chi xiao wei qi ye rong zi. guo jia jin rong yu fa zhan shi yan shi fu zhu ren ceng gang biao shi, tong guo ding xiang jiang zhun ding xiang zai dai kuan dui zhong xiao yin hang ti gong zhuan xiang qie cheng ben geng di de zi jin lai yuan, neng tui dong jiang di qi zi jin cheng ben, shi qi zai yi ding cheng du yu da xing jin xing geng wei chong fen de jing zheng. zhong xiao yin hang xia chen cheng du geng gao, huo de yi ding zheng ce zhi chi ye neng wei qi chuang xin chan pin chuang zao geng hao de tiao jian.   cha yi hua de jian guan zheng ce ye jiang jin yi bu wan shan. 26 ri de guo wu yuan chang wu hui zhi chu, zhi chi zhong xiao wei qi ye tong guo zhai quan piao ju deng rong zi. wan shan shang ye yin hang fu wu xiao wei qi ye jian guan kao he ban fa, ti gao yin hang dui xiao wei qi ye dai kuan neng li. jin nian jin rong ji gou fa xing xiao wei qi ye jin rong zhai quan gui mo yao da fu chao guo qu nian, li zheng da dao 1800 yi yuan yi shang. zhong guo yin bao jian hui pu hui jin rong bu zhu ren li jun feng zui jin ye zhuan wen zhi chu, jia kuai tui dong pu hui jin rong xiang guan ling yu li fa. tui dong jin kuai chu tai fei cun kuan lei fang dai zu zhi tiao li deng she ji xin xing gong ji zhu ti ye wu mo shi ling yu li fa.   zhi de zhu yi de shi, jian guan bu men ye zai zhuo li tui jin pu hui jin rong ji chu she shi ti xi jian she, wei le zhuo li jie jue xin xi bu dui chen de wen ti, kuo da jin rong ji gou he zheng fu bu men xin xi he zuo gong xiang fan wei zheng zai cheng wei zui jin de zhong dian gong zuo zhi yi. zhang jin ping biao shi, yin bao jian hui zheng zai ji ji he xiang guan bu wei gou tong he zuo, ru yu guo jia shui wu zong ju kai zhan yin shui hu dong, yu shi chang jian guan zong ju he zuo jiang qi ye gong shang xin xi ti gong ji yin hang. xia yi bu, yin bao jian hui ye hui jia qiang yu hai guan zong shu deng bu men de he zuo.   dui yu xia yi bu de pu hui jin rong zheng ce, ye nei ren shi ye ti chu le yi xie jian yi. zhong guo pu hui jin rong yan jiu yuan yan jiu zong jian mo xiu gen biao shi, dang qian guo jia dui pu hui jin rong fa zhan gao du zhong shi, chu tai de zheng ce you yi ding xiao guo, dan shi, ju li da dao" zai shang ye ke chi xu de qian ti xia fu wu xiao ke hu" de mu di hai shang you ju li, xu jin yi bu nu li. shu tong zi ben yu xiao wei qi ye deng xiao ke hu de pu hui jin rong qu dao, shi jian guan bu men bi xu li ji kai zhan de zhong dian gong zuo nei rong, zhe bao kuo gu li jin rong ke ji de ying yong bu tong jin rong ji gou zhi jian de he zuo fang song fei cun kuan jin rong ji gou de rong zi qu dao he gang gan deng deng.

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