北京市金融工作局

　　中國人民銀行營業管理部

　　中國銀行業監督管理委員會北京監管局

　　關于進一步優化金融信貸營商環境的意見

　　京金融〔2018〕52號

　　為進一步優化本市金融信貸營商環境，提升金融信貸服務水平，加強金融信貸產品創新，發展與大國首都地位相匹配的現代金融業，現提出以下意見：

　　一、降低金融信貸成本

　　規范金融機構收費和信貸行為，推動在京法人銀行自主減免1—2項收費項目，保證總體收費水平逐年降低。降低企業融資擔保成本，鼓勵在京融資擔保機構不收取企業客戶保證金，確需收取的，確保還貸解保時及時退還。大力發展融資租賃和商業保理業務，引入海外低成本資金。

　　二、壓縮金融信貸審批時間

　　鼓勵銀行業金融機構建立針對同一類型小微企業客戶的金融信貸專業化分類、批量化營銷、標準化審貸、差異化授權機制。行業自律組織不定期邀請行業專家、金融律師組成信貸咨詢小組，為金融機構信貸審批人員提供行業分析、授信方案、客戶營銷難點等問題咨詢輔導，每季度至少開展一次，提高信貸審批效率。

　　三、創新綠色金融信貸模式

　　銀行業監管部門在其網站定期披露轄區內銀行綠色信貸情況。鼓勵銀行業金融機構針對綠色、低碳、循環經濟等項目信貸業務開辟授信審批的快速通道。引導轄區內金融機構發行綠色金融債券和綠色信貸資產支持證券。推動將轄區內企業環境信息納入金融信用信息基礎數據庫。

　　四、拓展貸款抵（質）押物范圍

　　支持銀行業金融機構大力開展與環境相關的收益權、排放權、排污權抵押貸款等業務。推動銀行業金融機構知識產權、應收賬款等質押融資業務發展。

　　五、定制小微企業針對性金融服務

　　推動在京銀行機構對于小微企業信貸審批實行單獨管理和業績專項考評，根據監管部門考核要求設定小微企業貸款增速、貸款戶數等考核指標。針對小微企業信貸業務制定獎勵政策，尤其是對500萬元以下的小微企業貸款重點給予獎勵傾斜。

　　六、完善政策性農業信貸擔保體系

　　創新財政和金融協同支農機制，支持北京市農業融資擔保有限公司發展，逐步擴大區級農業信貸擔保分支機構設立，完成涉農區“全覆蓋”。引導轄區內銀行業金融機構在大興區、平谷區開展農村承包土地的經營權抵押貸款試點，開展農業生產設施抵押等業務。

　　七、提高公積金信貸審核效率

　　通過系統對接，推動北京住房公積金管理中心實現與市規劃國土委共享不動產權屬信息、抵押登記信息，以提高貸款審核效率。

　　八、實現公積金貸款登記變更“不跑路”

　　北京住房公積金管理中心將辦理住房公積金貸款的住房等相關信息發送給不動產登記部門，由不動產登記部門根據北京市公積金管理中心發送的相關信息添加貸款所購房屋抵押登記標識或解除抵押登記標識，通過信息共享，借款人貸款結清后借款人無需前往市住房貸款擔保中心或受托銀行、不動產登記中心辦理解除抵押的相關手續，真正做到信息多跑路，群眾少跑路。

　　九、實現動產抵押登記“一次辦結”服務

　　逐步實現動產抵押登記全程電子化，通過“外網申報、內網審核、現場提交、一次辦結”的方式，為銀行業金融機構辦理抵押融資業務提供便利。及時將動產抵押登記信息通過國家企業信用信息公示平臺向社會公示，方便社會公眾查詢。積極配合全國統一的“動產抵押網上登記系統”在京試點工作。

　　十、加強信用信息歸集共享

　　推進北京市公積金信貸信息、各類信貸機構信用信息以及公用事業繳費等非銀行信息向金融信用信息基礎數據庫報送工作，提高金融信用信息基礎數據庫的完整性。推動本市小額貸款公司和融資擔保公司與央行征信系統對接。

　　十一、實現社會信用信息“一站式”查詢

　　完善和豐富“信用北京”及北京市企業信用信息系統網站服務功能。加大銀稅互動，銀商合作力度。

　　十二、鼓勵信用服務新業態發展

　　推動全國領先、科技創新應用能力強、具有較強社會公信力的品牌信用服務機構在京發展。

　　十三、建立面向國際的金融政策發布平臺

　　統籌各部門、各區金融產業發展和扶持政策，在“首都金融”網站以雙語方式為境內外投資者提供包括本地區經濟、金融發展規劃、政策法規、投資項目、風險提示等專業服務，為企業更好的“走出去”“引進來”提供支持，促進金融市場交流合作、互聯互通，開展雙向投資提供更多途徑和便利。

　　十四、規范金融執法行為

　　有關金融監管部門應規范對金融機構的行政執法行為，在依法行政、依法監督的同時，鼓勵采取聯合執法檢查等方式，提升監督效能，降低對其經營活動的影響。全面落實行政執法責任制，嚴格執行執法責任追究機制，維護公平競爭的金融信貸營商環境。

　　本意見自2018年3月15日起施行。

　　北京市金融工作局

　　中國人民銀行營業管理部

　　中國銀行業監督管理委員會北京監管局

　　2018年3月14日

　　Beijing  Municipal  Bureau of Financial  Work 

　　Business Administration Department of the people‘s Bank of China

　　CHINA BANKING REGULATORY COMMISSION Beijing Office 

　　Opinions on Further Optimizing the Financial Credit Business Environment

　　In order to further optimize the financial and credit business environment in Beijing， enhance financial and credit services， strengthen innovation in financial and credit products， and develop a modern financial sector that matches Beijing’s status as the capital of such a major country as China， the following opinions are proposed：

　　First， reduce financial credit costs

　　We shall standardize the fees and credit behaviors of financial institutions， promote the independent deduction and exemption of one or two items of fees and charges in banks registered and based in Beijing， and ensure that the overall level of fees and charges is reduced year by year． We shall reduce the guarantee cost of corporate financing， encourage financing guarantee institutions based in Beijing not to collect corporate customer deposits， when corporate customer deposits do need to be collected， financing guarantee institutions should ensure that they will be returned in a timely fashion once the loan is repaid． We shall vigorously develop financial leasing and commercial factoring and introduce low-cost international funds．

　　Second， reduce the review and approval time for financial credit

　　Banking financial institutions are encouraged to establish specialized financial credit classification， mass marketing， standardized loan review， and differentiated authorization mechanisms for small and micro enterprises of the same type． Industry self-regulatory organizations should invite industry experts and financial lawyers to form a credit advisory group so as to provide counseling on such issues as industry analysis， credit programs， and customer marketing difficulties for personnel in financial institutions responsible for review and approval， which should be conducted at least once a quarter so as to improve the efficiency of credit review and approval．

　　Third， create innovative green financial credit models

　　Banking regulators should regularly disclose green credit developments in the area on their website． Banking financial institutions are encouraged to develop fast-track credit review and approval for such projects as green， low-carbon， and circular economy． We shall guide financial institutions under the authority of Beijing Municipality in issuing green financial bonds and green credit asset-backed security （ABS）． We shall promote the integration of corporate environmental information of the area into the basic database of financial credit information．

　　Fourth， extend collateral eligibility

　　We shall support banking financial institutions to vigorously develop environment-related services， including income rights， emission rights， and emission rights mortgage loans． We shall also promote the development of such pledge financing services as intellectual property rights and accounts receivable of banking financial institutions．

　　Fifth， offer customized financial services for small and micro enterprises

　　We shall promote banking institutions based in Beijing to conduct separate management and special performance appraisal of credit review and approval for small and micro enterprises， and setting such assessment indicators as the growth rate of loans for small and micro enterprises and the number of loan households according to the assessment requirements of regulatory authorities． Incentive policies shall also be developed for the credit business of small and micro enterprise， for small and micro enterprises under 5 million yuan in particular．

　　Sixth， improve the policy-based agricultural credit guarantee system

　　We shall establish an innovative mechanism featuring coordinated fiscal and financial support for agriculture， support the development of Beijing Agriculture Guarantee Co．， Ltd， gradually expand the establishment of district-level agricultural credit guarantee affiliates， and complete the “full coverage” of all agriculture-related areas． We shall guide banking financial institutions in the area to pilot mortgage loans for operating rights of rural contracted land in Daxing District and Pinggu District， and carry out such operations as mortgage of agricultural production facilities．

　　Seventh， improve the efficiency of the provident fund credit audit

　　Through coordination， we shall promote the sharing of information on real estate ownership and mortgage registration between Beijing Housing Provident Fund Management Center and Beijing Municipal Commission of Urban Planning and Land and Resources Management so as to improve the efficiency of loan approval．

　　Eighth， provide efficient service for the change of the provident fund loan registration

　　Beijing Housing Provident Fund Management Center shall send such information as the housing in question of housing provident fund loans to real estate registration departments． The real estate registration department will add the house mortgage registration mark or mortgage registration mark purchased by the loan based on relevant information sent by the Beijing Provident Fund Management Center．

　　Information sharing： After the loan from the borrower is settled， the borrower does not need to go to the Municipal Housing Loan Guarantee Center or the trustee bank or real estate registration center to handle the relevant formalities for canceling the mortgage， so that the information is more likely to run and the people will run less．

　　Ninth， realize the one-stop service for chattel mortgage registration

　　Electronic services covering every step of the chattel mortgage registration process shall be gradually realized， through “filing in information via internet， reviewing via intranet， on-site submission， and one-stop service”， facilitating banking financial institutions’ mortgage financing service． Information on chattel mortgage registration shall be released to the public in a timely fashion through the national enterprise credit information disclosure platform so as to facilitate inquiries by the public． We shall actively cooperate with the piloting of the national unified “online chattel mortgage registration system” in Beijing．

　　Tenth， strengthen the collection and sharing of credit information

　　We shall promote the inclusion of such non-bank information as Beijing Provident Fund credit information， credit information of various credit institutions， and utility bills to the financial credit information basic database， and improve its integrity． We shall promote the linking of micro-credit company and financing guarantee companies in Beijing with the credit information system of the People‘s Bank of China．

　　Eleventh， realize the “one-stop” inquiry of social credit information

　　We shall improve and enrich the website services of “Credit Beijing” and Beijing Urban Enterprise Credit Information Publicity System． We shall also strengthen the interaction between banks and tax authorities and the cooperation between banks and enterprises．

　　Twelfth， encourage new developments in credit services

　　We shall promote the development of brand credit service agencies in Beijing that is leading in China， capable of applying technological innovation and has a strong credibility among the public．

　　Thirteenth， establish an internationally-oriented financial policy publicity platform

　　We shall coordinate policies on the development of and support for the financial sector between departments and in districts． We shall provide domestic and foreign investors with bilingual services in the website of “Capital Finance”， including regional economic and financial development plans， policies and regulations， investment projects， and risk warnings so as to support the better implementation of such strategies as “going global” and “bringing in” by enterprises， and promote connectivity as well as exchanges and cooperation in the financial market and create more pathways and facilities for two-way investment．

　　Fourteenth， regulate financial enforcement

　　Relevant financial regulatory authorities should standardize the administrative law-enforcement on financial institutions． While practicing law-based administration and supervision， they are encouraged to conduct joint law-enforcement inspections so as to improve the effectiveness of supervision and reduce the impact on their business activities． We will fully carry out the administrative law-enforcement responsibility system， strictly implement the law-enforcement accountability mechanism， so as to maintain a fair and competitive financial credit business environment．

　　The Opinions shall come into effect from March 15， 2018．

責任編輯：杜琰 SF007