Credit information interconnection, financing convenience for small, medium and micro enterprises (authoritative release)
Small, medium and micro enterprises are the new force of the national economy, but they often face financing difficulties in production and operation.
How to solve the problem of bank-enterprise information asymmetry and use credit, the "cornerstone" of the market economy, to promote better financial services for small, medium and micro enterprises?
A few days ago, the "Implementation Plan for Strengthening the Sharing and Application of Credit Information to Promote the Financing of Small, Medium and Micro Enterprises" (hereinafter referred to as the "Implementation Plan") was issued.
"This is one of a series of policy measures to'protect market players and respond to new downward economic pressures' recently issued by the State Council." At the State Council policy briefing held by the State Council Information Office, Zhao Chenxin, Secretary-General of the National Development and Reform Commission, introduced. The "Implementation Plan" adheres to the starting point of supporting banks and other financial institutions to improve their ability to serve small, medium and micro enterprises, collects various types of corporate credit information in multiple ways, and continuously improves the coverage, availability and convenience of loans for small, medium and micro enterprises to help small, medium and micro enterprises. Relief development of micro-enterprises.
Build a national financing credit service platform
More than 2,000 financial institutions have settled in
Over 13.8 million enterprises
The Party Central Committee and the State Council attach great importance to strengthening the sharing and application of credit information and promoting the financing of small, medium and micro enterprises.
The National Development and Reform Commission, the China Banking and Insurance Regulatory Commission and other departments vigorously promoted the "Xinyi Loan" model, relying on the national credit information sharing platform to build and operate a national SME financing comprehensive credit service platform (hereinafter referred to as the National Financing Credit Service Platform). A "golden bridge of information" is built between enterprises.
Zhao Chenxin introduced that up to now, the national financing credit service platform has achieved interconnection with 103 locations, covering 273 locations, with more than 2,000 financial institutions and more than 13.8 million enterprises.
Establish and improve the credit information system and strengthen the construction of the basic database of financial credit information. At present, it has covered nearly 1.1 billion natural persons and 70 million market entities.
Through financing credit service platforms at all levels, a total of about 1.65 trillion yuan of credit loans have been issued, which has played a very important role in supporting the development of small, medium and micro enterprises in relief.
With the joint efforts of all relevant departments and financial institutions and credit service agencies in all regions, the financing of small, medium and micro enterprises continues to show a trend of "increasing volume, expanding coverage, and falling prices".
As of the end of November, the nationwide banking financial institutions issued approximately 18.73 trillion yuan in inclusive loans to small and micro enterprises, a year-on-year increase of 24.1%.
According to preliminary statistics, a total of more than 7 trillion yuan has been granted through financing credit service platforms at all levels.
With the continuous expansion of the Internet scene and the in-depth application of big data technology, credit information sharing has also achieved major breakthroughs and made considerable progress.
According to Chen Hongwan, Director of the Department of Finance and Credit Construction of the National Development and Reform Commission, my country has established a comprehensive national credit information sharing platform, connecting 46 departments and various provinces, autonomous regions, and municipalities. At the same time, corporate credit information disclosure systems and financial The basic database of credit information and the credit information systems of courts, transportation, taxation, customs, etc., have been or are being interconnected and have played an important role in breaking the "information island".
Promote credit information sharing applications
Helping companies to alleviate difficulties
Reduce the risk of non-performing loans
Although the work has achieved remarkable results, there is still a gap between the current status of credit information sharing applications and the financing needs of small, medium and micro enterprises.
On the one hand, some credit information closely related to the production and operation of enterprises has not been shared.
Some localities and financial institutions report that it is difficult to obtain a lot of important credit-related information, which greatly affects the enthusiasm of banks to lend.
On the other hand, if some banks want to obtain credit information for small, medium and micro enterprises, they need to connect with multiple localities and multiple departments respectively, and there is an urgent need to improve the convenience of obtaining credit information.
Chen Hongwan said that the "Implementation Plan" is aimed at these congestion and pain points, and through credit information sharing applications, promotes alleviating the problems of small, medium and micro enterprises' lack of effective mortgage assets and bank-enterprise information asymmetry, and helps small, medium and micro enterprises to alleviate their difficulties. To increase the availability of loans for small, medium and micro enterprises, it is also necessary to reduce the risk of non-performing loans from financial institutions.
Improve the credit information sharing network.
Relying on the established national financing credit service platform, horizontally connect the national enterprise credit information publicity system and relevant industry sector information systems, and vertically connect with local financing credit service platforms at all levels, build a national integrated financing credit service platform network, and integrate national government affairs Data sharing and exchange channels such as service platforms are well connected.
Expand the scope of credit information sharing.
The "Implementation Plan" incorporates the most urgently needed taxation, social insurance premiums and housing provident fund payment, import and export, water and electricity, real estate, intellectual property, scientific and technological research and development, and other 14 categories and 37 items of information in the scope of sharing, and smooth information Sharing channels.
Improve the quality of credit information sharing.
The "Implementation Plan" clarified the credit information sharing list, and clarified the sharing content, method, responsible unit and completion time for 37 items of information one by one, making it more maneuverable.
Not only pay attention to the scale of shared data, but also pay attention to the quality of shared data, and achieve standardized, standardized, and institutionalized high-level information sharing.
Reduce the cost of obtaining credit information.
The "Implementation Plan" clarifies that financing credit service platforms at all levels should provide basic information services to access institutions in accordance with the principle of public welfare, and encourage qualified platforms to push relevant information in batches according to the needs of access institutions and according to the dimensions of regions and industries. , To promote the safe and intensive and efficient application of credit information.
One point for deployment, nine points for implementation.
The "Implementation Plan" is accompanied by the "Credit Information Sharing List", which clarifies the implementation timetable and roadmap.
Strengthen technical support and institutional norms
Implement classified management
Protect trade secrets and personal privacy
To strengthen the sharing and application of credit information, it is necessary to improve convenience and security, especially to strengthen the protection of business secrets and personal privacy.
According to Chen Hongwan, the "Implementation Plan" emphasizes the "protection of the legitimate rights and interests of information subjects," and puts forward clear requirements for regulating information management and use, strengthening information security guarantees, and making detailed regulations on subject authorization and technical support.
One is to implement source protection.
According to the relevant requirements of the Data Security Law on the security and openness of government data, the "Implementation Plan" clarifies that each data provider shall clarify the attributes and scope of sharing and disclosure of relevant information in accordance with relevant laws and regulations and the requirements of the Party Central Committee and the State Council's policy documents.
The second is to specify data usage.
It is required to conduct information security assessment of access agencies and only open to eligible institutions; the information obtained by access agencies can only be used for financing of small, medium and micro enterprises, and illegal acquisition, dissemination, leakage, and sale of information will be strictly investigated and dealt with. Irregularities.
The third is to implement classified management.
It is necessary to establish a hierarchical and classified management and use system of information.
For information that has been disclosed in accordance with the law, it can be pushed to financial institutions in batches for use; for information that is not suitable for disclosure, it must be inquired or verified after authorization by the information subject; or when conditions are available, through joint modeling and other methods Use after technical processing to realize data "available but not visible".
The fourth is to strengthen technical support and institutional norms.
Financing credit service platforms at all levels shall establish a complete information security management system to strengthen information security technical guarantees.
Relevant operation and construction units and related staff must strictly guard the business secrets and personal privacy that they learn in the process of performing their duties.
Once problems are discovered, they will be investigated and dealt with strictly in accordance with laws and regulations, and relevant units and personnel will be resolutely held accountable.
Our reporter Lu Yanan