北京市积极优化改善金融信贷营商环境

2018年03月18日 来源:北京市发展和改革委员会

  

  为进一步优化本市金融信贷营商环境,提升金融信贷服务水平,加强金融信贷产品创新,发展与首都地位相匹配的现代金融业,北京市金融工作局会同人民银行营业管理部、北京银监局共同起草了《关于进一步优化金融信贷营商环境的意见》(以下简称“《意见》”)。《意见》全文共十四项,从四个方面有效改善本市的金融信贷营商环境。一是提升信贷服务水平。通过推动在京法人银行自主减免1-2项收费项目、鼓励在京融资担保机构减免企业客户保证金、压缩小微企业信贷审批时间、创新绿色金融信贷模式、定制小微企业针对性金融服务、规范行政执法行为等方式多措并举优化信贷服务。二是创新担保抵押机制。推动知识产权、应收账款、排放权等贷款抵(质)押业务发展,进一步完善政策性农业信贷担保体系。三是便捷居民金融服务。在提高公积金信贷审核效率、动产登记信息查询等方面为居民提供便利。四是完善信用信息服务体系。加强在金融信用信息基础数据库、企业信用信息系统网站、面向国际的金融政策发布平台等金融基础设施建设,进一步加大银税互动、银商合作力度。

  Beijing Moving Faster to Improve Its Financial and Credit Business Environment

  To improve Beijing’s financial and credit business environment and the corresponding services, stimulate innovation in financial credit products, and foster a modern financial industry commensurate with Beijing’s standing as the capital of a big country, Beijing Municipal Bureau of Financial Work, the Operations Office of the People’s Bank of China and China Banking Regulatory Commission Beijing Office jointly drafted “The Opinion on Further Improving the Financial and Credit Business Environment” (the “Opinion”). The full text of the Opinion contains 14 provisions, aiming to better Beijing’s financial and credit business environment from four aspects. The First is to improve credit services. Multi-pronged measures will be adopted in this regard, such as urging incorporated banks in Beijing to voluntarily reduce or cancel fees for one or two service items, encouraging local financing guarantee agencies to reduce or remit the security deposit for corporate clients, shortening the approval time for credit application by small and micro enterprises, introducing the innovative green financial credit model, providing customized financial services for small and micro businesses, and standardizing administrative law-enforcement. The Second is to innovate in the mortgage guarantee mechanism, by promoting loan mortgage/pledge with intellectual property rights, receivables, emission permits, etc., and further enhancing the policy-based agricultural credit guarantee system. The Third is to make financial services more accessible. Provident fund credit shall be reviewed with greater efficiency, and information searching on movable property registration shall be made more convenient. The Fourth is to improve the credit information service system. Efforts shall be made to enhance financial infrastructure such as the basic database of financial credit information, the website of enterprise credit information and a platform for disclosing financial policies to other countries. The interaction between banks and tax authorities and the cooperation between banks and businesses shall be strengthened.

  

官方微博 北京发改
政务掌上办
×