The executive meeting of the State Council proposed that in order to further help enterprises to bail out and stabilize employment, small, medium and micro enterprises in eligible areas will be allowed to defer the payment of employee medical insurance unit contributions for thre

Inclusive Finance Weekly (6.13-6.17) Produced by 21st Century Financial Research Institute

[Policy and Supervision]

State Council Standing Meeting: Allow small, medium and micro enterprises to defer employee medical insurance unit payments

The State Council Executive Meeting proposed to further help enterprises to bail out and stabilize For qualified areas, small, medium and micro enterprises are allowed to defer the payment of employee medical insurance unit contributions for three months, with a scale of approximately 150 billion yuan. Policy implementation must directly reach market entities and enjoy it immediately without applying. The postponement of payment will not affect medical insurance benefits, keep the reimbursement ratio and drug varieties stable, and ensure that all reimbursements are made. (Chinese Government Website)

Six departments announced 5 cases of fraudulent use of excess tax refunds and others

Since the People's Bank of China and others held a joint promotion meeting to crack down on fraudulent use of value-added tax refunds, relevant departments in various places have made cracking down on fraudulent use of leftover tax refunds a top priority. The top priority of the regular crackdown on illegal and criminal activities of false tax fraud is to focus on illegal and criminal activities such as gang-style, cross-regional, false invoices and false invoices to defraud retained tax refunds, and give full play to the advantages of collaboration and rely on big data sharing applications. We worked closely together, continued our efforts, and carried out joint crackdowns with a "zero tolerance" attitude. We successfully uncovered a number of cases of false tax refunds and severely punished a number of criminals. (Central Bank)

China Banking and Insurance Regulatory Commission : Be wary of frauds such as "official refunds" and "clearance refunds"

The China Banking and Insurance Regulatory Commission has detected illegal websites impersonating the China Banking and Insurance Regulatory Commission and other financial regulatory authorities, and issued "China Banking and Insurance Regulatory Commission certification" " China Banking and Insurance Regulatory Commission " and other false information, and committed fraud in the names of "official refund" and "clearance refund". The above-mentioned fraudulent behavior infringes on the rights and interests of financial consumers, damages the reputation of regulatory agencies, and has a negative impact. To this end, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission issued the 4th Risk Warning for 2022, reminding financial consumers to be more vigilant and enhance risk prevention awareness and identification capabilities. If any clues about such suspected fraud crimes are found, they should immediately report to the public security organs Wait for reports or reports to relevant departments. (China Banking and Insurance Regulatory Commission)

[Local News]

Shanghai: Meet citizens’ needs for centralized business processing

Shanghai Banking and Insurance Regulatory Commission issued a notice on further improving financial services at bank outlets to meet citizens’ needs for centralized business processing. It is proposed that all banks must make every effort to On the basis of paying close attention to epidemic prevention and control work, we will make every effort to ensure that business outlets should be open as much as possible. Carry out data analysis and response plans, and conduct hierarchical management based on the business needs of the outlets. Strengthen real-time management of outlets, dynamically grasp passenger flow conditions, and promptly initiate response plans for outlets where passenger flow gathers. (Shanghai Banking and Insurance Regulatory Bureau)

Tianjin: Interview with institutions that have not completed the "two increases" of inclusive small and micro loans

Tianjin Banking and Insurance Regulatory Bureau has strengthened its responsibility, proactively implemented the political and people-oriented nature of financial supervision, and coordinated Relevant municipal departments have made every effort to promote the implementation of a package of financial support policies and measures by the State Council and the China Banking and Insurance Regulatory Commission to solidly stabilize the economy in Tianjin. We will issue a special issue to summarize policies on inclusive finance work to banking and insurance institutions within our jurisdiction, give full play to the leading role of supervision, sort out and issue the key points of various financial relief policies, and urge and guide all institutions to increase financial support. Conduct supervisory interviews with institutions that have not completed the "two increases" of inclusive small and micro enterprise loans, supervise banking and insurance institutions to implement detailed policies, promote the incremental expansion of financial services, and further increase financial benefits to the real economy. . (Tianjin Banking and Insurance Regulatory Bureau)

Hebei: Provide support for emergency funding needs of small and micro enterprises during shutdowns

Hebei Banking and Insurance Regulatory Bureau issued the "Notice on Further Strengthening Financial Support for Stable Economic Operation" to increase efforts to support the whole country The provincial economy has grown steadily. Specific measures are proposed from five aspects: First, maintain steady growth in credit scale. All banking financial institutions are required to promptly meet the reasonable and effective credit needs of enterprises in industries temporarily troubled by the epidemic, and strive to achieve sustained and steady growth in credit balances in industries seriously affected by the epidemic, such as accommodation, catering, retail, culture, tourism, and transportation. Fully assess the impact of the epidemic, increase the tilt and guarantee of credit resources, and provide credit support for small and micro enterprises, individual industrial and commercial households, and farmers for their emergency funding needs during shutdowns and resumption of work and production.(Hebei Banking and Insurance Regulatory Bureau)

Jiangsu: Support the consolidation and expansion of poverty alleviation achievements and comprehensively promote rural revitalization

The Jiangsu Bureau of the China Banking and Insurance Regulatory Commission issued a notice on the issuance of the "Jiangsu Banking and Insurance Industry Supports the Work Plan for Enriching People and Strengthening Rural Areas" We will deepen the relevant requirements of the "Four Guarantees and Six Improvements" action opinions, actively play the role of finance, support the consolidation and expansion of poverty alleviation achievements, and comprehensively promote rural revitalization. During the transition period, banking institutions should further increase credit support, and branches in key counties and districts should mainly use newly added loanable funds for local use, effectively improve the level of deposits and loans, and strive to achieve a comparison of deposits and loans in key counties and districts at the end of 2025 at the end of 2020 Significant improvement. (Jiangsu Banking and Insurance Regulatory Bureau)

Jiangsu: Launch a special action to expand first-time loans for new agricultural business entities

Jiangsu Banking and Insurance Regulatory Bureau, in conjunction with the provincial Department of Agriculture and Rural Affairs, deployed a special action to expand first-time loans for new agricultural business entities. The docking scope is: New agricultural business entities such as family farms (large planting and breeding households), farmer cooperatives, agricultural enterprises and social service organizations that are operating normally in Jiangsu and have never received financing services. Based on comprehensive consideration of factors such as the ownership of settlement accounts, regional distribution, bank-enterprise cooperation intentions, bank operating characteristics, etc., each branch of the China Banking and Insurance Regulatory Commission determines the docking banks and docking personnel on a household-by-bank basis to promote financial institutions to have financing needs and meet the credit requirements. Targeted financing solutions should be provided in a timely manner to households without loans under the policy, and the reasons for entities that do not meet the credit conditions should be deeply analyzed and the appeals should be actively responded to. (Jiangsu Banking and Insurance Regulatory Bureau)

Xiamen : Strengthening inclusive support for small and micro enterprises

Recently, the Xiamen Banking and Insurance Regulatory Bureau and others jointly issued the "Several Measures to Support Financial Support to Stabilize the Economy, Maintain Growth and Promote Development", proposing to increase credit and special funds. 12 measures including guidance. Strengthen inclusive support for small and micro businesses. Institutions are required to implement deferred principal and interest payments for loans to small, medium and micro enterprises, individual industrial and commercial households, and other groups, and flexibly adjust personal housing and consumer loan repayment plans for people affected by the epidemic. Guidance agencies will establish a list of policies to serve small and micro enterprises, promote the sharing and application of enterprise-related credit information, and increase the proportion of first-time borrowers. (Xiamen Banking and Insurance Regulatory Bureau)

Shenzhen: Launched the "Financial Station" project

The Shenzhen Banking and Insurance Regulatory Bureau and others jointly launched the "Financial Station" project. By relying on the financial services platform to set up special lines online, and setting up financial stations offline in the street party and mass service centers, administrative service halls of various districts, etc., we organize financial institutions such as banks, insurance, financing guarantees, and venture capital, etc. Provide regular financing docking and comprehensive financial services for small, medium and micro enterprises. We will provide timely assistance to enterprises in a way that is close to communities and enterprises, open up the "last mile" of financing services, and promote accelerated economic recovery and development. (Shenzhen Banking and Insurance Regulatory Bureau)

Shaanxi: Increase monitoring and analysis of the progress of loans in key inclusive areas

The Shaanxi Banking and Insurance Regulatory Bureau issued a notice on further improving inclusive financial services in key areas in 2022. It is proposed that all banks within the jurisdiction Institutions should increase monitoring and analysis of the progress of loans and changes in balances in key inclusive areas. Inventory will be carried out every week in June 2022, and every half month in the second half of the year, the loan expiration situation, the number of customers under review, the number of approved customers waiting for investment, the number of customers with intention to cooperate, etc. will be taken to reasonably predict the effective amount of investment. Ensure that the "two growth" goals of inclusive small and micro enterprises are continuously achieved in 2022, and the annual credit plan sequential progress is reasonably ahead of time. (Shaanxi Banking and Insurance Regulatory Bureau)

Gansu: Prompt institutions lagging behind in promoting the "two increases" of loans to inclusive small and micro enterprises

Recently, the Gansu Banking and Insurance Regulatory Bureau held a symposium on the supervision of financial support for manufacturing and technological development. Supervision and discussion will be conducted around the policy requirements, implementation status, experience results, existing problems and other aspects of financial services manufacturing and technology enterprises, further emphasizing the key tasks and key regulatory indicators of financial services for small and micro enterprises in 2022, and providing inclusive small and micro enterprise loans. Banking institutions that are lagging behind in the “two increases” and credit plans are reminded to urge them to take practical measures to increase credit to small and micro enterprises.(Gansu Banking and Insurance Regulatory Bureau)

Guangxi: Make every effort to ensure the smooth flow of financial services for disaster-stricken small and micro enterprises

The Guangxi Banking and Insurance Regulatory Bureau issued the "Notice on Emergency Response to Flood Season Disasters and Financial Support for Post-Disaster Reconstruction", requiring all institutions to attach great importance to it. In particular, we must make every effort to ensure smooth financial services for disaster-stricken small and micro enterprises, individual industrial and commercial households, farmers and other groups. Strengthen contact with local meteorological, land, water conservancy, emergency and other departments, promptly and accurately grasp weather forecasts and disaster loss conditions, proactively fulfill disaster reduction, prevention and relief responsibilities, activate major disaster emergency plans, and establish 24-hour 24-hour operations in key areas, key departments, and key positions Duty system. (Guangxi Banking and Insurance Regulatory Bureau)

[Institutional Information]

National Development Bank : Supporting urbanization construction with county towns as an important carrier

The National Development Bank has formulated and issued the "Work Plan for Supporting Urbanization Construction with County Towns as an Important Carrier" (hereinafter referred to as "Work Plan"), it is proposed that during the "14th Five-Year Plan" period, the Development Bank should combine the functional positioning of various counties and cities, increase medium and long-term investment and financing support, promote the improvement of the quality and efficiency of industrial supporting facilities, the upgrading of municipal public facilities, and the improvement of public services. The upgrading and expansion of facilities and the upgrading and expansion of environmental infrastructure will promote the basic matching of county public resource allocation and permanent population size, and provide strong support for the implementation of the strategy of expanding domestic demand and the coordinated promotion of new urbanization and rural revitalization. (National Development Bank)

Export-Import Bank: Exploring a distinctive rural revitalization assistance path

The Export-Import Bank held the first meeting of the rural revitalization leading group in 2022 to convey the spirit of the central government’s decision-making, summarize work experience, and arrange and deploy the next key points work, proposed that we should attach great importance to assistance work, especially since this year, further improve the organizational structure, straighten out work responsibilities, explore innovative work methods, and continue to increase investment on the basis of helping the two counties to firmly prevent large-scale return to poverty. Strengthen investment support, innovate work models, and explore assistance paths with the Export-Import Bank’s characteristics through on-site inspections, training, going out, and inviting in. (Export-Import Bank)

Agricultural Development Bank : Credit extension in June will achieve significant results

Relevant departments of the Agricultural Development Bank held a video conference to accelerate the advancement of credit extension and policy interpretation, informing the implementation of the current credit plan, and stabilizing the recently introduced The 730 policies and measures of the economic market html will be interpreted to promote the bank's full use of differentiated credit policies, speed up credit disbursement, and put forward requirements for the next step of serving the work of stabilizing the economic market. It is necessary to make full use of differentiated policies, work hard on "early", make a fuss about "good", speed up loan processing, and achieve obvious results in credit extension in June to ensure the completion of the full-year goals and tasks. (Agricultural Development Bank)

Industrial and Commercial Bank of China : Issuing the first domestic carbon-neutral green financial bond

Industrial and Commercial Bank of my country successfully issued a 10 billion yuan carbon-neutral green financial bond in the national inter-bank market. This is the first time for a Chinese commercial bank to issue a carbon-neutral green financial bond in the country. Issue carbon-neutral green financial bonds in the domestic market. This bond issuance is another innovative move by ICBC to implement the concept of green and sustainable development and help achieve the "double carbon" strategic goal. The bond period is 3 years, and the funds raised are mainly invested in green industrial projects with significant carbon emission reduction effects. The reserve projects include clean energy projects such as wind power . (Industrial and Commercial Bank of China)

Agricultural Bank of China: Launching the “521” Comprehensive Financial Service Plan for New Citizens

Focusing on the needs of new citizens in the financial field, Agricultural Bank of China joined forces to launch the “521” Comprehensive Financial Service Plan for New Citizens, with “five major guarantees, "Dual-drive assistance, integrated high-quality basic financial services" meet the financial service needs of new citizens in various aspects such as living and working, convenient consumption, medical care and elderly care, and children's education, and effectively improve the level of financial services for new citizens. (Agricultural Bank of China)

Bank of China : Released ten measures for inclusive finance to support new citizens

Bank of China released ten measures for inclusive finance to support new citizens.The "Ten Measures" adhere to the orientation of benefiting the people, focus on helping new citizens find employment and stabilize their jobs, corporate customers, and new citizens engaged in entrepreneurship and business, and integrate Bank of China Group personal financial products, credit services, financial services, and insurance services and other resources to comprehensively support the diversified financial needs of new citizen groups in entrepreneurship, employment, housing, consumption, education, pension, insurance and other fields. (Bank of China)

Bank of China: Issued 40 billion yuan of small and micro bonds to support the development of small and micro enterprises such as " Specialized Special New "

html On June 17, Bank of China successfully completed 40 billion yuan of special financial bonds for small and micro enterprise loans in the country Issuance pricing, term 3 years, interest rate 2.75%. This is the largest scale of small and micro debt issued since the issuance of the People's Bank of China's "Notice on Promoting the Establishment of a Long-term Mechanism for Financial Services for Small and Micro Enterprises Who Are Dare to Loan, Are Willing to Loan, Can Loan and Will Loan". This issue of bonds is divided into two varieties: Type One is issued with a scale of 35 billion yuan, and the raised funds are exclusively used for loans to small and micro enterprises; Type Two is issued with a scale of 5 billion yuan, and the raised funds are earmarked for small and micro enterprises among "specialized, specialized and innovative" enterprises. Micro enterprise loan, this is also the first "specialized, special and new" small and micro financial debt in the country. (Bank of China)

Bank of Communications: Issued 30 billion yuan in small and micro financial bonds to support small and micro enterprises

html On June 15, Bank of Communications successfully issued the first tranche of 2022 small and micro financial bonds in the inter-bank market, with a scale of 30 billion yuan. This bond is a 3-year bond with a coupon rate of 2.75%, and the spread between the 3-year CDB bond yield on the day of issuance is 15bp. The total order volume is 67.8 billion yuan, with a subscription ratio of 2.26 times. The investor structure is diversified, covering banks, funds, securities, insurance and financial management. This issuance is an important measure taken by the Bank of Communications to implement the recent central government's decision and deployment to stabilize growth and market entities. It will help the Bank further increase credit to small and micro enterprises, support small and micro enterprises in overcoming the impact of the epidemic, and contribute to the resumption of work and production and the stabilization of the macroeconomic market. Contribute to Bank of Communications. (Bank of Communications)

Bank of Communications: 14 measures to help small and micro enterprises dare to lend, be willing to lend, be able to lend, and will lend

Bank of Communications has studied and formulated the "On Promoting the Establishment of Financial Service Small Businesses" in accordance with the spirit of the relevant notices of the People's Bank of China and the China Banking and Insurance Regulatory Commission and relevant regulatory requirements. "Opinions on the Long-term Mechanism for Micro-Enterprises Dare to Loan, Willing to Loan, Can Loan and Will Loan", and launched 14 measures to continuously improve the willingness, ability and sustainability to serve small and micro enterprises, and ensure inclusive loans for small and micro enterprises and individual industrial and commercial households. The incremental expansion of will help stabilize market entities, stabilize employment and entrepreneurship, and stabilize economic growth. The "Opinions" start from firmly establishing the business philosophy of serving small and micro businesses, improving due diligence and exemption and risk mitigation, enhancing confidence in lending, assessing and encouraging guidance to stimulate motivation for lending, ensuring credit supply, laying a solid foundation for lending, and strengthening digital capacity building to improve the level of corporate loans. , and proposed 14 specific measures in six aspects to strengthen organization and implementation to ensure effectiveness. (Bank of Communications)

Shunde Rural Commercial Bank : Small and micro enterprise loan balance is 100.697 billion yuan

Shunde Rural Commercial Bank insists on deepening inclusive finance, combines its own advantages, and continues to strengthen financial support for small and micro enterprises. Through agile attack and technological empowerment It can, strengthen inclusive risk management and control, and deepen personnel quality improvement and other measures, insist on deepening the operation of small and micro customers, further meet the diversified financing service needs of small and micro enterprises, and help the transformation of the large retail asset business in a steady and steady manner. As of the end of April this year, the bank's small and micro enterprise loan balance was 100.697 billion yuan, an increase of 3.824 billion yuan from the beginning of the year. Support for inclusive small and micro enterprises and individual operating loans of less than 10 million yuan totaled 740.80 billion yuan, an increase of 1.668 billion yuan from the beginning of the year, with a growth rate of 4.26%, and the number of supported households exceeded 43,000. (China Banking Association)

[Pension]

Ministry of Human Resources and Social Security: The periodic postponement of social security payments will not affect the payment of pensions in full and on time

Li Zhong, Vice Minister of the Ministry of Human Resources and Social Security, responded to the periodic postponement of social security payments at a regular policy briefing of the State Council ( Pensions, unemployment, work-related injury insurance), he said that the policy of delaying the payment of social insurance premiums has been carefully and carefully calculated, and the fund can bear it. In particular, the implementation of national co-ordination of basic pension insurance for enterprise employees, the adjustment of surplus and shortage nationwide, and increased support for funds Financial support for provinces in difficulty.For example, in the first half of this year, 120 billion yuan in fund allocations have been completed, effectively balancing the inter-provincial fund burden. "Please rest assured that we can ensure that pensions are paid out in full and on time." (21 Century Economic Report )

Qingdao : Actively participate in the construction of the third pillar of pension insurance

Qingdao Banking and Insurance Regulatory Bureau and others jointly issued "On Further Strengthening New Citizens "Guiding Opinions on Financial Services" proposes to actively participate in the construction of the third pillar of pension insurance. Each exclusive commercial pension insurance pilot company should target new citizen groups such as construction workers, express delivery riders, and online ride-hailing drivers to promote exclusive commercial pension insurance products in a targeted manner to better meet the diversified and differentiated pension insurance needs of new citizen groups. All insurance institutions must strengthen work docking with the head office, and explore and develop commercial pension insurance products with high safety, strong security, easy insurance, flexible payment, and stable income based on the actual conditions of Qingdao. (Qingdao Banking and Insurance Regulatory Bureau)

Jiangsu: Banks must voluntarily open personal pension accounts for new citizens

The Notice of the Jiangsu Bureau of the China Banking and Insurance Regulatory Commission on the issuance of the "Implementation Plan for Jiangsu Banking and Insurance Industry Serving New Citizens" proposed that banking institutions must take the initiative Cooperate with relevant departments to provide high-quality services for new citizens to voluntarily open their own personal pension accounts. Support and encourage banking and insurance institutions to develop commercial pension savings, commercial pension financial management, commercial pension insurance , commercial pension and other pension financial services in accordance with laws and regulations, and explore exclusive pension financial management and pension services that are suitable for the long-term pension needs and life cycle characteristics of new citizens. Savings business. (Jiangsu Banking and Insurance Regulatory Bureau)

[Extra Number]

The application channel for the "China Inclusive Finance Typical Cases (2022)" collection is still 2 days away from closing! If you haven’t submitted yet, speed up! This event is jointly sponsored by China Banking Association , China Financing Guarantee Industry Association , China Small Loan Company Association, China Finance Company Association , and the 21st Century Financial Research Institute of Southern Finance Omni Media Group. Shanghai Finance and The Development Lab provides academic support. The deadline for case collection is June 20.

For more content, please download 21 Finance APP