Add weights! Shandong also issued a policy to promote the innovation and development of supply chain finance

Qianhai Guoxin-Editor

A few days ago, a reporter from Macrounion Network learned that the Jinan Branch of the People's Bank of China, the Shandong Provincial Department of Industry and Information Technology, the Provincial Department of Justice, the Provincial Department of Finance, the Provincial Department of Commerce, the Provincial SASAC, the Provincial Market Supervision Administration, and the Shandong Supervision Bureau of the China Banking and Insurance Regulatory Commission jointly issued the " "Implementation Opinions on Promoting the Development of Supply Chain Finance Innovation and Standards" (hereinafter referred to as "Opinions").

In February of this year, Shandong took the lead in issuing the "Notice on Strengthening the Integration of Fiscal and Financial Policies to Promote the Development of Supply Chain Finance" (Related reading: A number of huge rewards! Shandong introduced the country's first systemic fiscal policy to promote the development of supply chain finance), The "Opinions" is undoubtedly another important measure to promote the deepening development of supply chain finance on this basis.

How to promote the development of the supply chain finance industry? The "Opinions" put forward that it is necessary to clarify the key points of support and strengthen multi-level and differentiated financial supply. Grasp the focus of support for supply chain finance, focus on supporting industrial chain enterprises that conform to the direction of national industrial policies, whose main businesses are concentrated in the real economy, advanced technology, and have market competitiveness, and give priority to meeting the financing needs of small and micro enterprises upstream and downstream of the industrial chain. Strengthen the financing supply of banking institutions, support banking institutions to adjust and optimize the credit policy of supply chain financial services, and appropriately increase the financing ratio of accounts receivable, notes receivable, order financing, inventory and warehouse receipt pledge. Encourage insurance institutions to embed in the supply chain, actively carry out business interruption insurance, mortgage pledge, pure credit and other forms of guarantee insurance business, and encourage insurance institutions to actively develop warehouse receipt property insurance products. Strengthen the role of financial companies, and support qualified financial companies to steadily carry out the pilot business of extending the industry chain financial services.

01

There are many highlights in this "Opinion"

The reporter learned that the highlights of the "Opinions" issued this time on the supply chain finance industry are mainly reflected in the following aspects:

Strengthen innovation and improve the quality and efficiency of supply chain financial services

Actively promote the docking of financial institutions with core enterprises in the supply chain. Innovate supply chain financial products and service methods, strengthen the personalized and characteristic design of supply chain financial products, encourage financial institutions to carry out inventory and warehouse receipt financing, and support financial institutions to "one chain, one policy" for the industrial chain supply chain. Vigorously develop accounts receivable financing. Vigorously promote the development of supply chain bills, and support core enterprises to establish information platforms to access the supply chain bills platform of the Shanghai Stock Exchange. Improve the convenience of financial services, further reduce and streamline the time and links of supply chain financial business processing, and continue to optimize business processing procedures. Strengthen the application of financial technology. Support opening up and repairing transnational industrial chains.

Improve the financial infrastructure of the supply chain

Promote the disclosure of commercial bills, promptly, accurately and completely disclose bill acceptance information and acceptance credit information to the public, and optimize the credit environment of the bill market. Improve the transparency of information on movable property rights, encourage market entities to make full use of the unified movable property and rights guarantee registration and publicity system to inquire and register movable property rights such as accounts receivable, inventory receipts, and lease objects, and support local legal person financial institutions through interfaces Ways to handle inquiries and registrations in batches. Strengthen the integration of financing service system and resource sharing, strengthen the role of the "provincial financial guidance system", and promote the core enterprises of the industrial chain to strengthen the linkage with the "provincial financial guidance system".

Strengthen supply chain financial policy guarantee

Make good use of the re-lending and rediscount monetary policy tools and fiscal and financial policy integration to promote the fiscal reward and subsidy policy for the development of supply chain finance. Among them, the Jinan Branch of the People's Bank of China sets up a special rediscount quota of no less than 5 billion yuan each year to guide financial institutions to actively provide discount and pledge financing services for supply chain bills; for corporate financial institutions with outstanding achievements in the development of supply chain finance, priority is given to refinancing , Rediscount and standing lending facilities and other central bank financial support.

Do a good job in the supervision and control of supply chain finance and risk prevention and control

Pay attention to the risk control of the whole chain, promote the establishment of a sound risk control system for the industry chain by banking financial institutions, reasonably determine the overall cooperative limit of financing for core enterprises and upstream and downstream enterprises, and actively explore the use of joint credit mechanisms to strengthen the credit management of core enterprises. Strengthen core corporate responsibility obligations, guide banking financial institutions to actively promote core companies to actively provide lists of upstream and downstream companies and real trade information, and promote core companies to implement credit responsibilities and credit enhancement measures. Strengthen the review of the authenticity of transactions, earnestly review the financing needs of core enterprises and loan uses, strictly review the authenticity of the trade background, and strengthen the effective monitoring of the flow of credit funds. Strictly implement key risk control measures. Banking financial institutions have strengthened the supervision of special factoring accounts and the collection of accounts receivable, strengthened collateral management, and improved the level of intelligent risk control.

02

The development characteristics of supply chain finance in Shandong Province are "big, many, fast and excellent"

Liu Xuqiang, deputy director of the Monetary and Credit Management Division of the People's Bank of China Jinan Branch, said that in February this year, the People's Bank of China Jinan Branch, together with the Shandong Provincial Department of Finance and the Shandong Provincial Department of Industry and Information Technology, took the lead in introducing fiscal and financial integration policies to support the development of supply chain finance. The province's supply chain finance was quickly implemented and effective. The outstanding performance is the four characteristics of'big, many, fast, and excellent'.

One is "large scale"

In the first five months of this year, the province handled 75.6 billion yuan in accounts receivable financing, a year-on-year increase of 80%; in the first half of the year, the province's cumulative commercial draft acceptances amounted to 112.875 billion yuan, accounting for 9.2% of the country's total, an increase of 0.25 compared to last year. Percentage points; the province's commercial bill discounts amounted to 614.98 billion yuan, accounting for 8.1% of the national total, 0.85 percentage points higher than last year.

The second is "many products"

In response to the characteristics of the financing needs of core enterprises and upstream and downstream enterprises, Shandong financial institutions launched electronic warehouse receipt pledge, order financing, "political loan", rapid bill discounting and other financial products with low threshold, high efficiency and strong applicability, and innovative "1+" The N" financial service model uses factoring, bill guarantees and other methods to revitalize the credit of core enterprises and assist upstream and downstream SMEs in financing.

The third is "Fast Landing"

Actively promote the development of bills, especially supply chain bills, to make new breakthroughs, guide supply chain “whitelist” companies to issue supply chain bills, and guide financial institutions to provide discount financing services for them to reduce financing costs throughout the supply chain. Promote the supply chain information platform of qualified core enterprises in the province to apply for access to the supply chain bill platform of the Shanghai Stock Exchange. Up to now, the province has implemented a supply chain bill business of 1.05 billion yuan, of which discounted financing is 700 million yuan, ranking first in the country.

The fourth is "good environment"

Since the beginning of this year, the Jinan Branch of the People's Bank of China has guided enterprises in the province to participate in the disclosure of bill information through on-site lectures by experts, comprehensive visits and docking, “one-on-one” counseling, and regular notifications to continuously increase coverage. As of July 11, 2032 companies in Shandong have completed the registration of the bill information disclosure platform, and the progress is at the forefront of the country.

Steady and long-term development, and then promising, from taking the lead in introducing fiscal and financial integration policies to support the development of supply chain finance in the country, Shandong Province has once again added weight to promote the development of supply chain finance. From the central government to local governments, supply chain finance-related policies have been promulgated one after another. With the support of multiple policies, the future development of supply chain finance will inevitably go further and better.

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