The General Office of the State Council issued the "Overall Financing Credit Service Platform Construction

Notice on the Implementation Plan for Improving the Financing Convenience of Small, Medium and Micro Enterprises

GBF [2024] No. 15

People's governments of provinces, autonomous regions and municipalities directly under the Central Government, ministries and commissions of the State Council, and institutions directly under the State Council:

The Implementation Plan for Overall Financing Credit Service Platform Construction to Improve the Financing Convenience Level of Small and Medium sized Micro Enterprises has been approved by the State Council and is now printed and distributed to you. Please implement it carefully.

General Office of the State Council

March 28, 2024

(This article is deleted)

Overall financing credit service platform construction

Implementation plan for improving the financing convenience of small and medium-sized micro enterprises

The financing credit service platform is a comprehensive platform established under the guidance of government departments to collect credit information across departments and fields and provide credit information services for financial institutions to carry out enterprise financing activities. It plays an important role in solving the problem of asymmetric information between banks and enterprises and reducing enterprise financing costs. This implementation plan is formulated to implement the decisions and arrangements of the Party Central Committee and the State Council, better coordinate the construction of financing credit service platform, improve the inclusive financing service system based on credit information, and effectively improve the financing convenience level of small, medium-sized and micro enterprises.

1、 General requirements

Guided by Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, fully implement the spirit of the Twentieth National Congress of the Communist Party of China, fully, accurately and comprehensively implement the new development concept, accelerate the construction of a new development pattern, focus on promoting high-quality development, improve the basic data system, increase the overall planning for the construction of financing and credit service platforms, and improve the collection and sharing mechanism of credit information, Deeply promote the work of "Xinyi Loan", deepen the application of credit big data, safeguard information security and the legitimate rights and interests of business entities, promote financial institutions to change their business philosophy, optimize financial services, prevent and control financial risks, and provide high-quality financial services for enterprises, especially small and medium-sized enterprises.

2、 Strengthen the overall planning of platform construction

（1） Clarify the collection and sharing channels of credit information. Strengthen the "general hub" function of credit information collection and sharing of the national credit information sharing platform (hereinafter referred to as the credit information platform), and strengthen the data sharing of the national financial credit information basic database. The credit information platform collects all kinds of credit information and shares them with departments and places as needed. Rely on the credit information platform to build a national financing credit service platform, and connect with the local financing credit service platform to form a national integrated platform network. As the "only export" to provide public credit information services to financial institutions in a centralized manner, the credit information services provided by departments to financial institutions in their own fields are not subject to this restriction. Adhere to the financial infrastructure orientation of the national financial credit information basic database, and provide high-quality professional credit reporting services for financial institutions.

（2） Strengthen the integration and unified management of local platforms. Integrate local financing credit service platforms that have duplicate functions or operate inefficiently. In principle, only one provincial platform should be reserved in a province, and no more than one platform should be set up in cities and counties. All local platforms should be integrated into the national integrated platform network, and list management should be implemented to reduce redundant construction and waste of resources. The National Development and Reform Commission is responsible for coordinating the construction of financing credit service platforms and promoting the integration and unified management of local platforms. All regions should complete the platform integration before the end of December 2024, orderly complete the asset transfer, data transfer, personnel placement and other work, and ensure that the platform service functions will not be affected during the integration.

（3） Strengthen guidance on local platform construction. Unify the standards for local financing credit service platforms to access the national integrated platform network, optimize credit information services, and promote the standardized and healthy development of local platforms. Relying on the establishment of demonstration areas for urban credit monitoring and social credit system construction, strengthen the guidance for improving the data quality of the platform. We will make full use of the existing counterpart assistance mechanism to further deepen the cooperation in the construction of financing credit service platforms in the eastern region and the central and western regions, and promote the central and western regions to speed up the promotion of "e-lending".

3、 Optimize information collection and sharing mechanism

（4） Specify the scope of credit information collection and sharing. According to the actual demand of financial institutions for credit information, further expand the scope of credit information collection and sharing, include the information of key personnel, various qualification information, import and export information, etc. into the list of credit information collection and sharing (see annex), and the National Development and Reform Commission will take the lead in updating the list in due course. All regions should give full play to the role of local financing credit service platforms, further break down data barriers, increase the collection and sharing of credit information outside the list in accordance with laws and regulations, prepare a list of provincial credit information collection and sharing in combination with the actual situation of the region, and effectively expand the breadth and depth of data collection and sharing.

（5） Improve the quality and efficiency of credit information sharing. For credit information that has been centrally managed in relevant departments of the country, efforts should be made to strengthen the "total to total" sharing. Strengthen the collaborative governance of data quality, unify data collection standards, timely repair credit information, improve the information update and maintenance mechanism, and ensure the authenticity, accuracy and integrity of data. Focus on solving the problems of insufficient data sharing frequency, insufficient interface call capacity, and insufficient information sharing of some public utilities, and further improve the efficiency of credit information sharing. According to the needs of the data provider, feedback the data use and effect regularly. The National Development and Reform Commission should take the lead in evaluating the quality and efficiency of credit information sharing among regions and relevant departments.

4、 Deepen the development and utilization of credit data

（6） Improve information inquiry service. Financing credit service platforms at all levels should provide financial institutions with information push, information inquiry, credit report inquiry and other services according to the principle of public welfare, expand the scope of credit information inquiry, improve the credit report inquiry system and improve the quality of credit reports. Support banking institutions to improve the credit management system, increase the application of credit reports in customer screening, pre loan investigation, in loan approval, post loan management, etc., and provide high-quality financial services for small, medium-sized and micro enterprises.

（7） Carry out joint modeling applications. Support the financing credit service platform and financial institutions to establish a joint laboratory for credit information collection and processing, strengthen the development and application of sensitive data by means of "data does not go out of the domain", and improve the level of financial credit joint modeling. Encourage financial institutions to actively connect with financing credit service platforms, and make full use of credit information to optimize credit product research and development, credit evaluation and risk management.

（8） Develop credit financing products. Give full play to the credit information gathering advantages of chain main enterprises, centralized trading places and characteristic industrial clusters, and carry out the pilot project of "Xinyi Loan" special product according to local conditions. Strengthen the application of comprehensive evaluation results of public credit, encourage local financing credit service platforms to develop strategic emerging industries, future industries, green low-carbon development, key industrial chain supply chain, "agriculture, rural areas and farmers" and other characteristic functional modules, support financial institutions to make good use of characteristic credit information, and launch financial products and services in specific fields to meet market needs. Accelerate the construction of rural credit system, support financial institutions to develop financial products and services exclusive to farmers and new agricultural operators, and appropriately increase the proportion of credit loans.

（9） Expand and improve the service functions of the platform. Encourage local governments to establish and improve the mechanism of "policy seeking people", give full play to the advantages of local financing and credit service platforms to connect enterprises and financial institutions, and promote various financial policies for facilitating people and benefiting enterprises to reach small, medium-sized and micro enterprises and other business entities through the platform. We will promote financing guarantee institutions to settle in the financing credit service platform, establish a multi-party cooperation mechanism among banking institutions, governments, financing guarantee institutions and other institutions based on the platform, and reasonably simplify the procedures related to financing guarantee. Encourage qualified places to establish "online notarization", "online arbitration" mechanisms and financial Internet courts by relying on financing credit service platforms to effectively handle financial disputes.

（10） Develop the credit service market. Formulate the authorized operating conditions and standards of the credit information platform. On the premise of ensuring information security, we will steadily open data to various credit service institutions including credit bureaus in accordance with laws and regulations, actively cultivate the credit service market, and improve the efficiency of matching supply and demand of credit financing.

5、 Safeguard measures

（11） We will strengthen information security and protect the rights and interests of information subjects. Strengthen the information security management of the financing credit service platform, improve the management norms and standard systems of platform docking, institution settlement, information collection, information sharing, and data security, and effectively ensure the security of physical collection information. The financing credit service platforms at all levels should strengthen the standardized management of information authorization, strengthen the security guarantee of data sharing, use, transmission and storage, improve the ability of security risk monitoring and early warning disposal, and effectively guarantee data security. Without desensitization treatment or explicit authorization of the information subject, the financing credit service platforms at all levels shall not provide information involving trade secrets or personal privacy, and shall not illegally disseminate, disclose or sell relevant credit information.

（12） Strengthen policy support and guarantee. Local people's governments should give appropriate support to the construction of their own financing credit service platforms, guide local platforms and financing guarantee institutions to strengthen cooperation, and improve the financing convenience level of small, medium-sized and micro enterprises. Encourage local governments to formulate incentive policies to support credit financing, and give appropriate incentives to financial institutions that help SMEs achieve financing through financing credit service platforms.

Annex: Credit Information Collection and Sharing List

enclosure

Credit Information Collection and Sharing List