Private enterprises, especially small and medium-sized enterprises, small and micro enterprises are the main body of the private economy, is an important part of the national economy and social development. Promote the accelerated development of the private economy is the overall situation, strategic and important issues, is the new period of scientific development in Yunnan, harmonious development, leapfrog development of the objective requirements, but also an important task of the province to turn the way, adjust the structure. Since the reform and opening up, the province's private economy continues to develop and grow, has become an important force to promote the province's economic growth, industrial development, urban and rural prosperity, employment and social harmony, in the province's economy, the status and role of the increasingly prominent. However, compared with the developed regions of the country, the private economy in our province has a late start, industrial development at a low level, the level of management is not high, especially small and medium-sized enterprises, small and micro-enterprises of the financial supply and demand for a greater contradiction, restricting the accelerated development of the private economy. All levels, departments and financial institutions should fully understand the significance of financial support for the accelerated development of the private economy, in accordance with the provincial party committee, the provincial government on the promotion of the development of the private economy of the important deployment and work requirements, make good use of the national support policies, improve the small and medium-sized enterprise service system, improve the small and micro-enterprises financial service mechanism, accelerate the promotion of financial products and services to innovate, and increase the financial support, and efforts to crack the Private enterprises are difficult to finance, loans, guarantees, financing costs and other issues, to create a favorable environment for private investment, and guide private capital to actively participate in the economic and social development of Yunnan, and promote the healthy and rapid development of the province's private economy.
Two, the overall requirements
(a) the basic idea. In-depth implementation of the scientific concept of development, seize the country's implementation of a new round of western development, development and opening-up strategy along the border, the bridgehead construction and the implementation of the "Twelfth Five-Year Plan" and other major opportunities, and adhere to the principle of "non-prohibition is to enter" and the promotion of the development of private enterprises in order to Expanding the scale of the private economy, promote the province's industrial transformation and upgrading as the goal, to increase investment in industry, vigorously develop the real economy as the focus, encourage and guide private capital into the field of financial services, increase financial support for small and micro-enterprise entrepreneurship and growth, and continue to expand the financing channels and scale of private enterprises, innovative financial products and services, optimize the financial environment, and to achieve the development of the private economy and the financial industry to promote each other.
(II) Targets and Tasks. "Twelfth Five-Year" period, to ensure that the province's small and medium-sized enterprises, especially small and microenterprises, the annual growth rate of loans is higher than the average growth rate of loans in the province, the incremental increase is higher than the previous year's level, 3,000 high-quality small enterprises to carry out credit loan pilot, of which, the provincial industry and information technology commission, in conjunction with the provincial Department of Science and Technology, the Department of Commerce, and other departments preferred about 2,000 specialized and refined Special new small and micro-enterprises, the provincial Department of Agriculture and the provincial Department of Forestry, respectively, to organize preferential selection of 600 and 400 or so of the characteristics of agriculture, forestry industrialization of small and micro-enterprises; support for private enterprises to continue to expand the scale of direct financing, and strive to achieve 10 private enterprises listed on the stock market, and actively promote the issuance of bonds by eligible private enterprises; actively guide private capital to participate in equity investment, and strive for the " Twelfth Five-Year Plan" end of the province's equity investment fund development to 200, the scale of funds raised reached 100 billion yuan; actively promote the insurance industry to better serve the accelerated development of the private economy, and strive for new breakthroughs in the investment of insurance funds in private enterprises; encourage private capital into the field of financial services, and strive for small loan companies to reach 500, and to promote the healthy and rapid development of local financial institutions for the province's non-public-owned enterprises. The province's non-public economic value-added to reach 700 billion yuan to provide strong financial protection.
Three, to encourage and guide private capital into the field of financial services
(a) to broaden the field of private capital investment in the real economy. According to the relevant policies of the state on the promotion of private investment, actively support private capital to enter the laws and regulations do not prohibit the entry of industries and fields, to create fair competition, equal access conditions and environment. It focuses on supporting the entry of private capital into basic industries and infrastructure fields such as transportation, water conservancy, electric power, oil and gas, telecommunications, environmental protection, land remediation and mineral resources exploration and development, and investing in municipal public utilities, guaranteed housing, cultural industries, social undertakings, trade and circulation, as well as participating in the reform of state-owned enterprises. Improve the effective mechanism to promote the development of private enterprises, efforts to create a good atmosphere to attract, pro-business, business retention, live business, rich business, and vigorously encourage and guide private capital into the field of financial services, and promote the development and growth of the financial industry.
(ii) guide private capital into the banking sector. Support for private capital investment in local banking financial institutions and participation in rural cooperative banks, rural credit unions, capital increase. Encourage private capital in accordance with the principle of intensive development, geographically appropriate concentration, scale, bulk participation in the establishment of village banks and other new rural financial institutions.
(3) encourage private capital to set up small loan companies. The implementation of the national appropriate relaxation of microfinance companies single investor shareholding restrictions and other policies, in accordance with the "Yunnan Provincial Microfinance Company Management Measures", to encourage private capital investment in the formation of microfinance companies, focusing on the promotion of the lagging economic development, financial services in imperfect counties (municipalities, districts) to set up microfinance companies, and as soon as possible to realize the full coverage of microfinance institutions and services in the county. It will actively develop specialized microfinance companies, and support the accelerated development of private enterprises in the fields of advantaged specialty industries. Further improve the market access assessment system for microfinance institutions, strengthen daily supervision and on-site inspection, give full play to the industry self-regulatory role of microcredit associations, foster excellence and punish inferiority, standardize development, effectively curb the tendency of high interest rates, and guide microcredit companies to increase financial support for small and micro-enterprises, the "three rural areas" and the development of the county economy in our province. Encourage policy banks and commercial banks to provide financing support to microfinance companies and enhance their lending capacity under the premise of risk control. Encourage eligible microfinance companies to actively transform into village banks.
(d) support private capital to initiate the establishment of equity investment funds. Follow the principle of "government guidance, market operation, industry self-regulation, policy support, standardized development", give full play to the guiding role of the policy, the guiding role of the government's equity investment guide fund, the role of state-owned capital demonstration and drive the role of the main body of the private capital investment, the Yunnan Equity Investment Development Center and the Equity Investment Funds Association of the industry management services. The role of management services, support eligible private capital in accordance with the law to set up corporate, partnership private equity funds, venture capital funds, venture capital funds and other equity investment enterprises, to carry out specialized equity investment, fund management, investment consulting and other businesses, to promote the healthy and standardized development of the province's equity investment business.
(E) to promote the participation of private capital in other financial activities. Encourage and guide private capital in compliance with relevant laws and regulations, based on the establishment of financial guarantee companies, industrial investment companies, venture capital companies, leasing companies, finance companies, credit investigation and assessment companies, pawn auction and accounting firms and other financial intermediary services, and orderly participation in the restructuring and reorganization of financial institutions, such as securities, insurance, trust.
Four, increase financial support for small and micro-enterprises
(a) Improve the development of small and micro-enterprises to support the financial and financial linkage mechanism. Conscientiously implement the national preferential policies to support the development of small and micro-enterprises, improve and perfect the financial and financial linkage mechanism to support the development of small and micro-enterprises. Banking financial institutions should increase credit support for private enterprises in line with industrial policies and with good development prospects, and for private enterprises in transition, they should do a good job of financing assistance, guidance and support for the transformation and development of enterprises. The finance and taxation departments should fully implement various tax incentives and financial subsidy policies for small and micro enterprises and financial institutions serving small and micro enterprises, and guide credit funds to increase their investment in private enterprises and small and micro enterprises that have received financial support. For small and micro enterprises that meet the requirements for transformation and upgrading but are experiencing operational difficulties, tax and fee reduction and exemption preferential policies should be implemented in a timely manner in accordance with the regulations. Gradually expand the scale of special funds for small and medium-sized enterprises, and reasonably coordinate the use of various industrialization development funds to support the development of small and micro enterprises. Study the establishment of new loan risk compensation mechanism for small and micro-enterprises, to help small and micro-enterprises to solve the capital turnover difficulties.
(2) to establish a long-term mechanism to encourage entrepreneurship to enrich the people. Actively learn from the advanced experience and practices of other provinces (autonomous regions and municipalities), increase financial and tax support, establish a long-term working mechanism to encourage entrepreneurship to enrich the people, and guide private capital to accelerate entrepreneurship. Encourage banking financial institutions to expand the scale of small guaranteed loans to support entrepreneurship, take good entrepreneurial projects with development potential, honesty and trustworthiness, and strong profitability as a business growth point, improve the credit and financial service system for entrepreneurship-driven employment, and support college graduates, returning rural migrant workers, affluent laborers in rural areas, laid-off and unemployed people, retired military personnel, and people studying abroad. It supports college graduates, returning rural migrant workers, affluent rural laborers, laid-off unemployed people, military personnel who have been retired, people who have returned to China after studying abroad, and registered unemployed people in cities and towns to seek self-employment and start their own businesses. Strengthening the construction of entrepreneurial bases, technology incubators and other entrepreneurial clusters, effectively pooling various types of social capital, forming a favorable environment to support entrepreneurship, and giving full play to the effect of entrepreneurial clusters to promote the development of the regional economy.
(3) Innovative credit services. All banking financial institutions should accelerate the formation of small and micro-enterprise credit franchise, build a specialized operation and assessment system, improve the due diligence and exemption mechanism and assessment mechanism for small and micro-enterprise credit personnel, improve the business processes of loan rating, credit granting, loan review and approval, strengthen the credit support for small and micro-enterprises with a total amount of single-family credit less than 5 million yuan, and effectively meet the needs of small and micro-enterprises in the " short, frequent and fast" capital needs. According to the needs of MSMEs, it innovates credit business and pledge methods, vigorously develops a series of credit business such as joint guarantee and joint loan, network revolving loan, intellectual property pledge loan, merger and acquisition financing, and credit guarantee-type loan, steadily increases the scale of credit granted to MSMEs, and provides MSMEs with comprehensive financial services such as settlement, remittance, and agency.
(4) Improvement of guarantee service capacity. The relevant departments shall strengthen the supervision and management of guarantee institutions, accelerate the improvement of the industry access, risk control, loss compensation, re-guarantee and exit mechanism of credit guarantee, promote the standardization of operation of various types of guarantee institutions, strengthen the self-regulation of the credit guarantee industry, and comprehensively utilize a variety of ways, such as capital injection, risk compensation and incentives and subsidies, to improve the guarantee institutions' ability to guarantee the financing of small and micro enterprises. Encourage various types of guarantee companies to strengthen cooperation with banking and financial institutions, raise capital through multiple channels, enhance capital strength and grow the scale of business, change the single fixed assets, securities pledge-based guarantee approach, in accordance with the operating characteristics of private enterprises and financing needs, intangible assets and other financing into the scope of the pledge to expand the guarantee business, and gradually improve the coverage of the province, a reasonable layout, capital diversification, The credit guarantee system for small and medium-sized enterprises, which covers the whole province, has a reasonable layout, diversified capital, marketized operation and standardized management. Encourage small and medium-sized enterprises to strengthen cooperation among themselves, and provide member enterprises with emergency protection funds to ensure normal operation through the construction of mutual insurance alliance, mutual insurance fund and "Enterprise Development Mutual Funds Association".
(V) Innovative supervision and service mechanism. Financial regulators should, in accordance with national policy requirements, implement preferential policies such as deductions for deposit and loan ratios, preferential risk weights and increased tolerance for non-performance rates of small and microenterprise loans, support local financial institutions in issuing special financial bonds for small and microenterprise loans, formulate scientific and prudent market access rules for small financial institutions according to local conditions, implement categorized and differentiated supervision, enhance regulatory tolerance, and continuously improve regulatory technology and regulatory Effectiveness. Supervise banking financial institutions to exercise strict self-discipline, effectively assume social responsibility, strictly implement the new lending regulations in accordance with the regulatory requirements of the "Three Strict Rules and Five Prohibitions" for small and micro-enterprises, prevent the diversion or outflow of loan funds, and ensure that the loan funds really enter the real economy; strictly implement the pricing of interest rate risks, and reasonably determine the interest rate; strictly implement the pilot task of credit loans for small and micro-enterprises in the province; and strictly implement the pilot task of credit loans for small and micro-enterprises. The pilot task of credit loans for small and micro-enterprises in the province, effectively transforming the credit method that relies too much on collateral; strengthening on-site supervision, prohibiting the linkage of deposits and loans, prohibiting all unreasonable charges, prohibiting the sale of financial products, prohibiting the financing of private lending intermediary institutions, and prohibiting the pressure of the bank's own assessment indexes to the enterprise, effectively reducing the financing costs of small and micro-enterprises, and effectively helping small and micro-enterprises to break the capital predicament.
(F) Encourage support for small and medium-sized enterprises to "go out". Encourage banking financial institutions for private small and medium-sized enterprises "go out" to provide flexible and efficient financing, settlement, exchange, information and consulting financial services. Giving full play to the unique advantages of RMB cross-border financial services in our province, encouraging and supporting private SMEs to use RMB for trade settlement in pilot RMB cross-border trade areas, and providing facilitation services for SMEs to settle and sell foreign exchange. Give full play to the policy role of export credit insurance, and actively provide policy insurance services and financing support for private SMEs in foreign trade and investment, and build a platform for risk avoidance, financing promotion and information consultation for private SMEs in our province to actively develop the Southeast Asian and South Asian markets.
Fifth, to further broaden the financing channels of private enterprises
(a) increase credit support. Banking financial institutions should optimize the credit management system, establish a unified credit rating system suitable for the characteristics of private enterprises, simplify the loan procedures, improve the efficiency of credit approval, increase the scale of credit, accelerate the innovation of credit products and financial services, and reasonably determine the level of interest rates for loans, in an effort to meet the credit needs of private enterprises. Policy banks should combine their own characteristics and actively provide financial services for private enterprises. State-owned commercial banks and joint-stock banks should actively strive for policies from the head office, increase credit support for private enterprises, continuously enrich and improve financial services for private enterprises, and play the role of the main force in serving private enterprises. Postal Reserve Bank should accelerate the transformation of institutional outlets, improve the function of microfinance, and enhance the financial service capacity for private enterprises, especially small and micro enterprises. City commercial banks should accurately grasp the market positioning, screen and cultivate excellent customers, provide efficient credit services for private economic entities, and win their own development space in serving the development of small and medium-sized enterprises. Rural credit unions to serve the "three rural" development at the same time, appropriate concentration of funds, and actively support the development of the county's private economy, and increase the "loans, subsidies" to support the promotion of urban and rural entrepreneurship to promote employment.
(ii) vigorously promote the listing of private enterprises. Give full play to the role of the provincial direct financing sectoral joint meeting, further clarify the responsibilities of the relevant provincial departments to promote the listing of enterprises, build the overall coordination mechanism and green channel for the restructuring and listing of enterprises, simplify the approval procedures, clarify the approval time, improve the efficiency of the restructuring and issuance of enterprises listed on the market, and accelerate the pace of listing of private enterprises in our province. Implement supportive policies to promote the listing of enterprises and reduce the cost of financing for listing. For private enterprises with high technological content, good market prospects and strong profitability, especially science and technology-based small and medium-sized enterprises, we should make efforts in counseling, training and recommendation, and guide them to realize listing and financing through small and medium-sized boards and venture capital boards. The securities supervision department should strengthen the cultivation of private enterprises to be listed, supervise the private enterprises in the counseling period in accordance with the standard operation of listed companies; guide the listed private enterprises to use directional issuance, share allocation and other ways to actively expand the scale of refinancing.
(3) Encourage and guide private enterprises to raise funds through multiple channels. Support qualified private enterprises to expand financing through the issuance of corporate bonds, corporate bonds, short-term financing bonds, medium-term notes, small and medium-sized pooled notes, trust financing and other means. Encourage and support large and medium-sized private enterprises to expand direct financing channels through bond financing, equity financing and introduction of insurance funds.
(4) Further improve the ability of insurance to serve the development of the private economy. The insurance supervision department should take into account the characteristics of the development of private enterprises in our province, and encourage insurance organizations to develop various types of insurance products with simplified procedures, adequate protection, clear liability, and fast claims settlement, focusing on providing private enterprises with insurance products such as property insurance, liability insurance, accidental injury insurance, and small loan guarantee insurance. It will actively do a good job in the pilot work of credit loan guarantee insurance for private enterprises, steadily carry out the investment of insurance funds in the equity and debt of high-quality private leading enterprises, and promote the investment of insurance funds in private medical and health care and health care and pension industries. Reasonable determination of insurance premium rates for private enterprises and small and medium-sized enterprises, encouraging qualified private enterprises to take out commercial medical and pension insurance for their employees, and supporting private enterprises to actively use insurance products to protect the legitimate rights and interests of their employees.
(5) Actively expanding new financing methods. Encourage qualified private enterprises to adopt directional fund-raising and other ways to increase capital and expand shares, equity financing, project financing, lease financing, trust financing, fund financing and other ways to carry out financing. Standardize and develop the property rights trading market, effectively absorb and gather private financial elements, and promote the flow and reorganization of private capital. Explore the pilot project of securitization of credit assets of private enterprises, and effectively improve the financing capacity of private enterprises.
Sixth, optimize the environment of financial support for the development of private economy
(1) Define departmental responsibilities. The provincial level to establish a joint meeting system for financing of small and medium-sized enterprises, led by the Provincial Industry and Information Technology Commission, the Finance Office and the Kunming Central Sub-branch of the People's Bank of China, with the participation of the Provincial Department of Science and Technology, the Department of Finance, the Department of Human Resources and Social Security, the Department of Agriculture, the Department of Forestry, the Department of Commerce, the Industrial and Commercial Administration, the Federation of Industry and Commerce, and the Yunnan Banking Regulatory Commission, the Yunnan Bureau of Securities Supervision and Yunnan Insurance Regulatory Commission, as well as the financial institutions concerned, to effectively exert the function of coordinating the work of the finance and to establish improve the four-way linkage mechanism among the government, banks, enterprises and insurance, and organize actions to facilitate financing for small, medium and micro-enterprises; formulate a pilot program for credit loans for high-quality small and micro-enterprises, carefully select high-quality small and micro-enterprises, and solidly push forward the pilot program for credit loans for high-quality small and micro-enterprises; strengthen the policy research on financial services for the private economy, and accelerate the construction of the project database for the private enterprises; and improve the policies and measures to promote entrepreneurship to enrich the people, and to provide private enterprises; improve policies and measures to promote entrepreneurship and enrich the people, and provide facilitation services for private enterprises. The Provincial Department of Finance, Local Taxation Bureau and National Taxation Bureau shall implement the preferential fiscal and taxation policies of the state to support the development of private enterprises, especially small and micro-enterprises, and increase the support for small and micro-enterprises by using indirect methods such as subsidized interest rate and risk compensation. The Provincial Department of Land and Resources, Department of Housing and Urban-Rural Development, Department of Environmental Protection, Intellectual Property Bureau, Bureau of Industry and Commerce and other departments should constantly improve and standardize the intermediary services of real estate and movable property pledge for small and medium-sized micro-enterprises, and reduce or exempt small and medium-sized micro-enterprises from the fees for registration, right confirmation, authentication, appraisal, guarantee, transfer, auditing, capital verification and other services. The Kunming Central Sub-branch of the People's Bank of China, Yunnan Banking Regulatory Bureau, Yunnan Securities Regulatory Bureau, Yunnan Insurance Regulatory Bureau shall closely cooperate and strengthen collaboration, supervise and guide financial institutions to implement the financial policies of the State in support of the development of small and micro-enterprises, set up a platform for the connection and collaboration of banks, securities and insurance institutions with small and micro-enterprises and guarantee institutions, and innovate the credit products and services such as small and micro-enterprises' credit loans to expand the financing channels of private enterprises, and improve the financing capacity of private enterprises. To improve the financing capacity and level of private enterprises. The Kunming Central Sub-branch of the People's Bank of China shall take the lead in carrying out special statistics, do a good job in monitoring and analyzing the development of financial services for the private economy, promote the construction of the credit system for small and medium-sized enterprises, establish and improve the mechanism for punishing enterprises for breach of trust, and enhance the credit consciousness of private enterprises; strengthen the monitoring of private lending and borrowing, and cooperate with public security organs to intensify the crackdown on illegal fund-raising and other illegal and criminal activities in the finance industry, so as to build a good financial environment in support of the development of the private economy. The financial environment is favorable to support the development of the private economy.
(2) Strengthen the assessment and reward. The provincial financial office should work with the provincial industry and information technology commission, science and technology department, department of finance, department of agriculture, department of forestry, federation of industry and commerce and provincial financial regulators to improve the financial support for the development of the private economy of the assessment and rewards, the financial institutions to support the development of the private economy into the province's financial work annual assessment and reward content. Governments at all levels should combine their own financial resources, co-ordinate the arrangement of special matching funds for risk compensation of small and micro-enterprise loans, and support local banking and financial institutions to resolve the risk of small and micro-enterprise loans in a timely manner. Industry informatization and science and technology departments at all levels should arrange necessary special funds to give appropriate subsidies to private enterprises for listing and bond issuance. Financial and audit departments at all levels should strengthen supervision and management to ensure that all kinds of incentives, subsidies and special funds are earmarked for specific purposes and play an effective role.
(C) the formation of joint mechanisms. All localities and relevant departments should *** with the construction of efficient and pragmatic information platforms, project platforms, park platforms, market platforms and financing docking platforms, and actively recommend high-quality private enterprises to financial institutions, close contact between private enterprises and financial institutions docking, and provide convenient conditions for the financing of private enterprises. Financial institutions should strengthen the publicity of financial products and services, take the initiative to recommend to private enterprises, especially small and micro-enterprises, financial products in line with the characteristics of the enterprise, to provide efficient and convenient financial services, and support private enterprises to grow bigger and stronger. The Federation of Industry and Commerce and various industry associations and chambers of commerce should strengthen the help and guidance to private enterprises, focus on cultivating a group of private enterprise leaders, support private enterprises to improve the modern enterprise system, strengthen internal management, improve the transparency of production, financial and business information, and enhance the ability to raise funds. Private enterprises to standardize the operation, and constantly improve the ability of independent innovation, strengthen the main business, bigger enterprises, and strive for the support of various types of financial institutions, corporate credit, and effectively safeguard the claims of financial institutions, the formation of private enterprises and financial institutions to promote each other **** into a mutually beneficial **** win-win pattern of good development.