为进一步推进金融服务创新，提升金融信贷服务可获得性和便捷性，助推本市形成充满活力、富有效率、更加开放的法治化、国际化、便利化营商环境，促进上海国际金融中心建设与上海国际经济、贸易、航运、科创中心建设的联动，现提出以下意见：

一、深化金融开放创新，扩大信贷资金来源和供给主体

1.深化上海自贸试验区金融开放创新。稳步推进投融资便利化改革，推进落实本外币跨境融资宏观审慎管理制度。不断扩大人民币跨境使用，进一步拓展自由贸易账户适用主体和本外币融资功能，进一步深化跨境资金池等业务功能,率先开展人民币贴息境外贷款。研究探索金融支持自由贸易港建设的政策措施，便利本外币一体化的跨境金融服务。  

2.扩大金融业对内对外开放。支持符合条件的民营资本依法设立民营银行、金融租赁公司、财务公司、汽车金融公司和消费金融公司等金融机构。放宽银行业对境外金融机构准入限制，提升外资金融机构的信贷服务能力。支持“一带一路”沿线国家（地区）在沪设立金融机构，完善面向“一带一路”的信贷服务体系，为“一带一路”走出去企业提供优质高效金融服务。

二、完善金融信贷政策，提升信贷可获得性

3.完善差异化货币信贷政策和监管政策。对单户授信500万元及以下的小微企业贷款、个体工商户经营性贷款、小微企业主经营性贷款、农户生产经营贷款、创业担保贷款等普惠金融领域贷款达到一定标准的金融机构实施定向降准政策。鼓励大型银行在沪分支机构按照总行的规划设立普惠金融事业部。推进落实有关提升小微企业、科创企业和“三农”不良贷款容忍度的监管要求，完善尽职免责相关制度，加大续贷支持力度。设计形成包括普惠金融可得情况、使用情况、服务质量的上海普惠金融统计指标体系和评估考核体系，统计、分析和反映本市普惠金融发展状况。

4.深入推进科技金融模式创新。深化投贷联动试点，支持商业银行与股权投资机构开展合作，推动试点银行设立投资功能子公司。引导银行业金融机构面向科创企业建立专营的组织架构、专业的经营管理团队、专用的风险管理制度和技术手段、专门的管理信息系统、专项的激励考核机制和专属的客户信贷审查标准。鼓励金融机构创新发展知识产权金融服务，优化知识产权质押融资流程，开展履约保证保险贷款等金融产品创新。

5.加强“三农”金融服务。完善本市农业信贷担保体系，扩大担保资金扶持对象和业务范围。稳妥有序推进农村土地经营权抵押贷款试点，探索农村住房财产权抵押贷款。支持村镇银行发展壮大，完善“三农”金融服务的管理体制和运行机制。加大农村地区自助机具布放，便利信贷资金支取、归还及信息查询。

6.降低企业信贷成本费用。督促金融机构依法合规收费，清理规范企业融资中间环节费用。鼓励开发性、政策性银行以批发资金转贷形式与其他银行业机构合作，降低小微企业贷款成本。发挥再贷款作用，放大定向引导扶持效果，合理降低扩大就业重点项目、劳动密集型小微企业融资成本。完善自由贸易账户体系，鼓励金融机构和企业引入海外低成本资金。

7.发挥上海中小微企业政策性融资担保基金作用。进一步完善本市政策性融资担保基金管理制度，通过适当放宽部分担保业务限制、调整优化担保基金运作规则，加强与融资担保公司的合作，增强担保业务灵活性，激发合作银行及融资担保公司的积极性。鼓励积极开展担保业务创新，制订完善再担保合作方案，进一步拓宽政策性担保范围，扩大融资担保规模。

8.用好本市小微企业信贷风险补偿和信贷奖励政策。着力发挥财政资金的引导激励作用，实施科技型中小企业、小微企业信贷风险补偿和信贷奖励政策，引导商业银行不断创新金融产品和服务，提高科技型中小企业和小微企业的不良贷款容忍度，进一步加大信贷投放力度。

9.搭建多样化信贷服务平台。推动科技园区、众创空间等搭建各类科技融资服务平台，开展融资辅导与受理、政策宣传、协同推动金融创新等工作，促进产融有效对接。支持张江高新区管委会搭建张江示范区企业信用公共服务总平台，建立企业信用评价的“张江模型”，促进金融机构与企业间信息交流。

三、健全金融信用体系，加强信贷信用信息应用

10.完善信用基础设施。加快推动人民银行金融信用信息基础数据库升级优化，拓展信息采集覆盖面和信用报告覆盖范围。利用国家和本市现代服务业发展专项资金，支持人民银行征信中心二代征信系统项目建设。推动动产融资统一登记系统、应收账款融资服务平台建设，出台融资租赁业务登记查询办法。建设本市新型金融业态监测分析平台，对新型金融机构进行动态监测分析。支持上海市公共信用信息服务平台不断完善功能，全面提升公共信息归集使用和服务功能，健全“1+16+N”信用平台框架体系。

11.推动信贷信息共享。推动各类信用信息平台和信用主体加强信息互动共享，便利金融机构创新信贷产品和服务。通过系统直接对接等方式，推动上海企业电力欠费、公积金缴存等非银行信息纳入金融信用信息基础数据库。继续推动小额贷款公司和融资担保公司与金融信用信息基础数据库对接。

12.加强信贷信息应用。引导金融机构推出与客户信用状况和评级相结合的融资授信服务，对诚信守信的企业和个人在授信额度、授信成本、还款方式等方面给予优惠和便利。推动借贷、交易、投资等金融领域产生的信用信息在行政管理、生产经营、交易谈判等社会经济活动中的开发和使用。

13.支持信用服务机构发展。引进和培育一批具有较强市场公信力和国际影响力的资信评级、商业征信等信用服务机构。市区相关部门依法依规在行政管理和公共服务中引入信用服务机构提供专业化服务，支持在人民银行上海分行开展企业征信备案的信用服务机构申报“上海金融创新奖”。

14.持续推进银税互动合作。推动本市税务部门与金融监管部门、银行业金融机构深入开展“银税互动”，为企业提供覆盖信贷业务全流程，贯穿贷前、贷中、贷后全环节的银税互动产品，实现纳税信用评价结果的增值运用，鼓励金融机构发放信用贷款，提高小微企业融资的可获得性。

四、建立工作推进机制，促进金融信贷服务健康发展

15.建立日常工作沟通机制。市金融办、人民银行上海分行、上海银监局建立三方联动工作机制，加强信息沟通，联合开展企业信贷需求调研，不定期召开专题会议，分析本市金融信贷服务现状和问题，研究和制定相关政策措施。

16.加强信贷知识宣传教育。发挥金融行业协会、金融机构等多元主体积极作用，加大对信贷产品、典型服务案例、政府信贷支持政策等方面的宣传力度，增进企业对信贷服务的了解和认知。开展形式多样的金融知识普及，创新“咨询+社会+服务”的社会全媒体宣传教育模式。

17.加强金融监管协调和执法行为规范。充分发挥上海金融综合监管联席会议机制作用，完善金融综合管理试点，探索功能监管。不断规范金融监管行为，在依法行政、依法监督的同时，探索建立联合检查和综合执法机制，降低对金融机构经营活动的影响。全面落实金融监管责任制，严格执行执法责任追究机制，维护公平竞争的金融信贷营商环境。

本意见自印发之日起施行。

上海市金融服务办公室

中国人民银行上海分行

中国银行业监督管理委员会上海监管局

2018年3月27日

Shanghai Municipal Financial Services Office

Shanghai Branch, People’s Bank of China

Shanghai Office, China Banking Regulatory Commission

Opinions on Improving Financial Credit Service and Optimizing Business

Environment

The following opinions are proposed to promote financial service innovation, improve the availability of financial credit service and streamline procedures, thus shaping Shanghai into a more dynamic, efficient and open international market with effective regulation and favorable business environment and helping cementing Shanghai’s role as an international hub for finance, economy, trade, shipping and scientific innovation:

I. Build a more open and innovative financial market, extend credit funding sources and supplier base

1. Promote financial market accessibility and innovation in the Shanghai Pilot Free Trade Zone. More efforts should be put into streamlining procedures for investment and financing activities, promoting macro-prudential administration of cross-border financing in both local and foreign currencies, extending the cross-border use of Renminbi to expand the base of FTZ account holders and the financing function of local and foreign currencies, and exploring cross-border cash pooling and pioneering discount overseas loans in Renminbi. Policy measures in favor of building a free trade port via financial activities should be adopted to provide more efficient cross-border financial services featuring the integration of local and foreign currencies.

2. Build more accessible financial market. We encourage qualified private capital to, in accordance with laws and regulations, set up private banks, financial leasing companies, finance companies, auto finance companies, consumer finance companies, and other financial institutions. Restraints should be relaxed to allow more qualified foreign financial institutions to access the banking market. At the same time, more efforts need to be put in to improve credit services of foreign financial institutions. We encourage countries and regions along the Belt and Road to set up financial institutions in Shanghai and develop a credit service system catered to the Initiative, thus providing quality and efficient financial services to companies trying to go global under the Initiative.

II. Improve financial credit policy to ensure higher availability

3. Enhance differentiated currency credit policy and regulatory policies. We should cut the targeted reserve requirement ratio for financial institutions that offer a certain amount of inclusive finance loans, including small and micro enterprise loan, private business operating loan, small and micro business owner operating loan, farm operating loan and entrepreneurship secured loan in an amount of RMB 5 million or less per account. In doing so, we aim to encourage the Shanghai branches of major banks to set up inclusive finance division under the guidance of their headquarters. Regulatory measures should be implemented to ensure more tolerance for non-performing loans with regard to small and micro enterprises, tech startups and agriculture, farmers, and rural areas (“three rural issues”). Meanwhile, the due diligence arrangement should be implemented with more support for the renewal of such loans. A statistical indicator and evaluation system covering the availability, usage and service of inclusive finance should be set up to measure, analyze and give an insight into the general development of inclusive finance in Shanghai.

4. Promote financial services to aid science and technological innovation. The investment-loan linkage pilot will be further explored and commercial banks are encouraged to cooperate with equity investment institutions and set up investment subsidiaries. To cater to tech startups, banking institutions should develop specialized organizational structure, professional operation and management team, dedicated risk management system and technical know-how, independent administrative information system, targeted incentive and appraisal mechanism and specialized client credit review criteria. Meanwhile, financial institutions are encouraged to develop innovative intellectual property financial services, optimize intellectual property pledge financing procedures and launch innovative products including performance guarantee insurance loan.

5. Strengthen financial services related to the three rural issues. A comprehensive municipal agricultural credit guarantee system should be established to expand the coverage and the service scope of guarantee funds. Rural land management right mortgage loan should be piloted and rural property right mortgage loan should be explored. We need to step up efforts in facilitating rural banks in their development and enhancing the administration and operation mechanism for financial services related to the three rural issues. Furthermore, more self-service terminals should be installed in rural areas to allow rural clients more convenience in credit fund withdrawal, repayment and inquiry.

6. Reduce the cost of enterprises in credit services. We need to urge financial institutions to abide by relevant regulations on handling charges so as to eliminate and regulate the incidental charges incurred during the financing procedures. Development and policy banks are encouraged to cooperate with other banking institutions via providing loans from wholesale funding sources, thus reducing the loan cost for small and micro enterprises. Via refinancing activities, we should reduce, to a reasonable extent, the financing cost for key projects (projects that reduce unemployment) and labor-intensive small and micro enterprises. Furthermore, the FTZ account system will be improved to encourage financial institutions and enterprises to attract low cost overseas capital.

7. Strengthen the role of policy financing guarantee funds for Shanghai-based SMMEs. Better administrative system of the municipal policy financing guarantee funds will be adopted, lifting certain restrictions on guarantees, thus optimizing operation rules, reinforcing cooperation with financing guarantee companies, boosting flexibility and motivating cooperating banks and financing guarantee companies. We also encourage innovation in guarantee business. With improved re-guarantee cooperation plan, we will expand the scope of policy guarantee as well as the scale of financing guarantee.

8. Make full use of the credit risk compensation and reward policies for Shanghai-based small and micro enterprises. The government funds will provide incentives for the implementation of credit risk compensation and reward policies for small and medium tech enterprises, and small and micro enterprises, and guide commercial banks in financial product and service innovation. We should issue more loans for small and medium tech enterprises, and small and micro enterprises and exercise more tolerance with regard to non-performing loans of these entities.

9. Set up a diverse credit service platform. We encourage science parks and makerspaces to set up a variety of tech financing service platform, to offer financing counseling and processing, to promote relevant policies and to coordinate financial innovation, all to enable effective integration of production and financing. We support the Administrative Committee of the Zhangjiang High-Tech Park in setting up a general public service platform for enterprise credit record in the Zhangjiang Pilot Zone, developing the “Zhangjiang Model” for assessing enterprise credit, and enhancing communication between financial institutions and enterprises.

III. Develop a sound financial credit system and strengthen credit information application

10. Reinforce credit infrastructure. We will upgrade and optimize the Basic Database of Financial Credit Information of the People’s Bank of China (the “PBC”), expanding the coverage of information collection and credit report. The special fund for the development of national and municipal service industry should be appropriated to help build the second-generation credit reference system at the PBC Credit Reference Center. A unified registration system for movables financing and a financing service platform for account receivables should be established and the measures for financial leasing registration and inquiry should be adopted. Monitoring and analysis platform for new financial services should be built to carry out real-time monitoring and analysis of new types of financial institutions. We will continue to improve the Shanghai municipal public credit information service platform, with a focus on public information collection and use as well as service functions, in order to establish “1+16+N” credit platform framework.

11. Enable credit information sharing. Credit information platforms and entities should strengthen information exchange and sharing to facilitate financial institutions in credit product and service innovation. Via direct system link, a range of non-banking information of Shanghai-based enterprises including electricity bill arrears and housing fund contribution should be included in the Basic Database of Financial Credit Information. Meanwhile, we will continue to incorporate small loan companies and financing guarantee companies into the Basic Database of Financial Credit Information.

12. Strengthen credit information application. Financial institutions are encouraged to launch financing credit granting services based on client credit profile and rating, providing companies and individuals with good credit history with more incentives and favorable conditions regarding credit line, credit cost and repayment methods. Credit information generated in lending, trading, investment and other financial activities should be developed and used more extensively in administration, production and operation, trade and negotiation and other socioeconomic activities at large.

13. Aid the development of credit service institutions. We should introduce to the market and encourage the development of a number of credit service institutions, such as credit rating agencies and commercial credit reference institutions, with excellent credibility and international influence. Competent authorities at the municipality and district level should, in accordance with laws and regulations, incorporate these credit service institutions in administration and public services to ensure that professional services are provided. Credit service institutions that carried out enterprise credit reference filing at the Shanghai Head Office of PBC can apply for the Shanghai Financial Innovation Award.

14. Further bank-tax integration and synergy. The Shanghai municipal authorities for taxation should develop bank-tax integration and synergy with financial regulators and banking institutions, providing enterprises with one-stop bank-tax solution that covers the entire process of credit issuance. This will highlight the added value of the tax credit evaluation result, encourage financial institutions to issue credit loans, and boost financing availability for small and micro enterprises.

IV. Facilitate the sound development of financial credit services via a work promotion mechanism

15. Establish a daily communication mechanism. Shanghai Municipal Financial Services Office, Shanghai Branch of PBC, and Shanghai Office of China Banking Regulatory Commission will initiate a joint working mechanism to enhance communication, carry out joint survey on enterprise credit demand, hold ad hoc meetings to analyze issues in financial credit services in Shanghai and formulate counter-policy measures.

16. Raise the public awareness of credit and loans. We encourage industry associations, financial institutions, and other entities to promote credit products, exemplary cases and relevant government policies, so as to ensure that enterprises are better informed of credit services. An innovative all-media campaign featuring a combination of counseling and public services will be carried out to raise the public awareness of financial services and activities.

17. Strengthen financial regulatory coordination and regulate enforcement activities. Shanghai Joint Conference of General Financial Regulation should serve to improve integrated financial administration pilot and explore functional regulation. We will continue to regulate financial regulatory efforts, adopt joint inspection and general enforcement mechanism in addition to the existing administrative and monitoring measures, in order to minimize the impact on the operation of financial institutions. A strict enforcement accountability mechanism will be adopted to ensure fair competition in the financial credit industry.

These Opinions will come into effect as of the date of release.

Shanghai Municipal Financial Services Office

Shanghai Branch, People’s Bank of China

Shanghai Office, China Banking Regulatory Commission

March 27, 2018