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On April 10th, the State Council Press Office held a routine briefing on the State Council policy. Relevant persons in charge of the National Development and Reform Commission, the People’s Bank of China and the General Administration of Financial Supervision introduced the implementation plan of coordinating the construction of financing credit service platform to improve the financing convenience level of small and medium-sized enterprises, and answered questions from reporters. Let’s look at it together-

A quick look at the conference:

Up to now, the national financing credit service platform has provided more than 276 million inquiry services to relevant financial institutions, with an average weekly visit of over one million.

Strengthen the "master hub" function of credit information collection and sharing of the national credit information sharing platform, collect all kinds of credit information in a unified way, and serve as the "only outlet" for providing public credit information services to financial institutions.

According to local conditions, we will carry out pilot projects of special products of "Credit Easy Loan" and support financial institutions to launch financial products and services in sub-sectors.

Strive to achieve the growth rate of inclusive small and micro enterprise loans not less than the growth rate of various loans.

Increase the first loan and renewal loan, and increase corporate loans for small and micro enterprises.

Further improve the financing convenience of small and medium-sized enterprises without credit records.

The basic idea of "implementation plan"

The "Implementation Plan" insists on building a inclusive finance service system based on credit information, and promotes the provision of high-quality financial services for small and medium-sized enterprises in accordance with the basic idea of "four enhancements".

National Development and Reform Commission:

The first is to strengthen platform optimization and integration. Strengthen the "master hub" function of the national credit information sharing platform, and regard the national integrated financing credit service platform network as the "only export" to provide public credit information services to financial institutions. Integrate local financing credit service platforms with repetitive functions or inefficient operation. In principle, only one provincial platform is reserved in a province, and no more than one platform is set up at the municipal and county levels. All local platforms are integrated into the national integrated platform network, and inventory management is implemented to reduce redundant construction and idle waste of resources.

The second is to strengthen information collection and sharing. Further expand the scope of credit information collection and sharing, and include 17 categories and 37 items of credit information such as key personnel information, various qualification information and import and export information. Efforts will be made to increase the sharing of "total to total" at the national level and strengthen the collaborative governance of data quality.

The third is to strengthen data development and utilization. Financing credit service platforms at all levels provide basic information services to financial institutions in accordance with the principle of public welfare. Establish a joint laboratory for credit information collection and processing, strengthen the development and application of sensitive data by means of "data does not leave the domain", and combine the characteristics of local industries to launch characteristic financial products and services. Promote the policy of financial convenience and benefiting enterprises to reach the business entities directly through the financing credit service platform.

The fourth is to strengthen network security. Improve the management norms and standard system of financing credit service platform, improve the ability of security risk monitoring and early warning, and effectively guarantee data security.

National financing credit service platform

The national financing credit service platform mainly has four functions.

National Development and Reform Commission:

This platform has four major functions:

The first is credit information inquiry. At present, this platform has collected more than 78 billion pieces of credit information, providing information inquiry services to financial institutions in accordance with the principle of public welfare, and alleviating the problem of information asymmetry between banks and enterprises. Up to now, the national platform has provided inquiry services to relevant financial institutions for more than 276 million times, with an average weekly visit of over one million. Now this platform has collected 37 items of credit information in 17 categories of business entities.

The second is the docking of financing needs. Intelligently match the financing needs of business entities and financial products provided by banking institutions, and realize the full coverage of national financing supply and demand docking services. There are 22 financing service products on the "Financial Supermarket" column, which can be selected by business entities independently.

Third, the policy of benefiting enterprises is direct. Centralized display of various financial support policies for enterprises, and online application for the first batch of 35 local policies for enterprises was realized. The financial policies of Hui enterprises scattered in various government departments can be inquired on this platform, and business entities can find suitable or qualified applications.

The fourth is financing credit enhancement service. Introduce financing guarantee institutions and risk sharing fund pools, and the first batch of 20 local credit enhancement and risk mitigation services will be handled in a "one-stop" manner.

At present, relying on the national integrated financing credit service platform network, we have cultivated and formed a new model of inclusive financing based on credit information, created a comprehensive service system for whole-process financing, and provided convenient financing channels for small and medium-sized enterprises, especially private enterprises.

Strengthen the "master hub" function of credit information collection and sharing of the national credit information sharing platform.

National Development and Reform Commission:

The National Development and Reform Commission will focus on implementing relevant requirements from three aspects.

First, clear channels. Strengthen the "master hub" function of credit information collection and sharing of the national credit information sharing platform, collect all kinds of credit information in a unified way, and use it as the "only export" to provide public credit information services to financial institutions in a centralized way, with the aim of realizing centralized and efficient utilization of government data resources and making it easier and faster for business entities and financial institutions to obtain data.

Second, integration is in place. Merge and integrate local financing credit service platforms with repetitive functions or inefficient operation in various places, implement list management, effectively reduce the burden on business entities and banking institutions, and improve the quality and efficiency of financial services. This platform optimization and integration is not a conceptual and logical integration, but a substantive integration. First, the subject is unique, and the symbol of the completion of integration is the unique name and the only operating subject, and the so-called "interconnection", "unified export" and "unified standard" should not be used instead of integration; The second is the transfer of assets, and all kinds of assets of the integrated platform should be classified as reserved platforms; The third is data transfer, in which the information and financing effectiveness data collected by the integration platform should be transferred to the retention platform as a whole; The fourth is to clarify the responsibility. The leading departments of social credit system construction at all levels should be responsible for coordinating the integration of platforms in the region under the unified leadership of local party committees and governments.

Third, strengthen supervision. The "Implementation Plan" clearly requires all localities to complete the platform integration work before the end of December this year. It can be said that time is tight and tasks are heavy. All localities should work hard to formulate work plans and speed up implementation.

How can the financing credit service platform use advanced technology to deepen the development and utilization of credit data and improve the intelligent level of financing services for small and medium-sized enterprises?

National Development and Reform Commission:

The relevant work will be actively promoted from three aspects.

One is joint processing. The "Implementation Plan" proposes to support the financing credit service platform and financial institutions to establish a joint laboratory for credit information collection and processing. The purpose of the laboratory is to create a relatively independent and secure data environment, and to strengthen the development and application of sensitive data under the premise of ensuring data security by means of privacy computing, so as to realize "the original data does not leave the domain" and "the data is available and invisible", which provides a basis for model training and product innovation of financial institutions.

The second is the characteristic pilot. The "Implementation Plan" proposes to carry out a special pilot project of "Credit Easy Loan" according to local conditions and support financial institutions to launch financial products and services in sub-sectors. The purpose of the pilot is to fully integrate the characteristic information held by the main enterprises in the industrial chain, centralized trading places and industrial clusters with public credit information, and support financial institutions to provide more accurate financing services to characteristic industries. In the next step, we will select qualified and willing local and financial institutions to continue to expand the scope of the pilot, and develop exclusive financial products and services for market demand in combination with local characteristic industries and advantageous projects.

The third is accurate push. At present, the state and local governments have introduced many policies to benefit the people and enterprises, but the publicity and application of the policies are scattered in different departments, and the business entities sometimes don’t know whether they have the conditions to apply, who to find and how to apply. In the next step, we will guide local governments to use the platform to summarize various policies that benefit the convenience of enterprises within their jurisdiction, and accurately push relevant policies to qualified business entities through the processing and analysis of enterprise-related information, so as to promote online application and direct enjoyment of policies.

The fourth is steady opening up. Credit service institutions are an important force to participate in the construction of social credit system and to develop and utilize credit information in a market-oriented way. On the premise of ensuring information security, we will study and formulate the conditions and standards for the authorized operation of the credit information platform, steadily open data to various credit service institutions including credit reporting institutions according to laws and regulations, give full play to the professional advantages of credit service institutions, and promote the in-depth development and utilization of credit information in accordance with the principles of marketization and rule of law to better meet diversified financing needs.

Financing of small and medium-sized enterprises

Three aspects to promote the financing of small and micro enterprises

General Administration of Financial Supervision:

The General Administration of Financial Supervision will focus on the following aspects to better promote the financing of small and micro enterprises:

First, banks are required to ensure quantity, price stability and excellent structure. The guarantee is to maintain the support of inclusive credit, and strive to achieve the growth rate of inclusive small and micro enterprise loans not less than the growth rate of various loans. Stabilizing prices means stabilizing credit prices and guiding banks to reasonably determine the loan interest rate of inclusive small and micro enterprises. Banks are required to strictly regulate cooperation with third-party institutions to promote the steady decline of comprehensive social financing costs. The optimal structure is to optimize the credit structure, increase the first loan and renewal loan, and increase the corporate loans of small and micro enterprises. At the same time, we will implement the requirements of the CPC Central Committee on developing new quality productive forces, give prominence to supporting scientific and technological innovation, specialization, innovation and green and low-carbon development, and increase medium-and long-term loan support for small and micro enterprises in equipment renewal, technological transformation and project research and development. In addition to credit support, we also encourage banks to build a "credit+"service model to provide comprehensive financial services such as settlement, financial consultation and exchange rate hedging for small and micro enterprises to better meet the diversified financial needs of small and micro enterprises.

The second is to optimize the three regulatory systems. We will revise the supervision and evaluation system of financial services for small and micro enterprises in commercial banks, further improve the evaluation index system, enrich the evaluation dimensions, highlight the evaluation of service effects, and improve the supervision and coordination mechanism. Revise the loan risk classification method for small and micro enterprises, and improve the differentiated classification standards according to the loan characteristics of small and micro enterprises. Optimize the due diligence exemption system for credit granting to small and micro enterprises, further refine the identification standard of due diligence exemption, further improve the combination of due diligence exemption and bad tolerance system, and better protect the enthusiasm of due diligence credit personnel.

The third is to improve the good environment for banks to serve small and micro enterprises. We will continue to cooperate with the National Development and Reform Commission, the People’s Bank of China, the State Administration of Taxation and other departments to deepen the sharing of credit information related to enterprises, continue to expand the scope and depth of information sharing, optimize information sharing methods, and better solve the problem of information asymmetry between banks and enterprises. We will also cooperate with the Ministry of Finance and the State Administration of Taxation to implement policies such as exempting interest income from value-added tax for loans of small and micro enterprises and individual industrial and commercial households. Build a good service environment and effectively transform the financial resources instigated by policy dividends into the development momentum of small and micro enterprises.

Further expand the registration scope of the unified registration and publicity system for movable property financing

People’s Bank of China:

By the end of March 2024, the unified registration and publicity system for movable property financing had handled a total of 34.455 million registrations of movable property and rights guarantee, providing 210 million inquiries; The accounts receivable financing service platform has contributed to a total of 512,000 financings. It should be said that it has achieved remarkable results in supporting movable property financing and supply chain finance.

In the next step, the People’s Bank of China will thoroughly implement the spirit of the Central Economic Work Conference and the Central Financial Work Conference, practice the concept of "credit for the people" and continuously improve the functions and services of the database. First, comprehensively collect financial credit information in accordance with the law, deepen the development and application of credit information, further improve the quality and efficiency of services, and support financial institutions to establish and improve long-term mechanisms that dare to lend, are willing to lend, can lend and will lend. The second is to study and promote the sharing and application of payment capital flow information of small and medium-sized enterprises, form a service pattern complementary to credit information, and further enhance the financing convenience of small and medium-sized enterprises without credit records. The third is to further expand the registration scope of the unified registration and publicity system for movable property financing, increase the popularization and application of the accounts receivable financing service platform, and help small and medium-sized enterprises to obtain financing by using movable property.

Encourage banks to optimize credit evaluation models and increase credit loans in small and micro enterprise loans.

General Administration of Financial Supervision:

The General Administration of Financial Supervision will actively cooperate with the National Development and Reform Commission and other departments to deepen the sharing of credit information, guide banking institutions to make good use of credit information in accordance with laws and regulations, and improve the efficiency of sharing applications.

One is to participate in the construction. We will actively cooperate with the integration of financing credit service platforms and guide financial institutions to maintain service stability during the platform integration.

The second is to deepen the application. We encourage banks to actively connect with financing credit service platforms at all levels, inquire about enterprise credit information and credit reports, and effectively apply them in credit processes such as customer screening, pre-loan investigation, loan approval and post-loan management. Encourage banks to organically combine accumulated internal financial data with external credit information, actively use big data, artificial intelligence and other technical means, fully tap the value of data elements, accurately "portrait" enterprises, optimize credit evaluation models, improve risk management level, develop online loan products, improve the service efficiency of small and micro enterprises, actively innovate credit loan products, and increase the amount of credit loans in small and micro enterprise loans.

The third is risk prevention and control. We require banks to attach great importance to data security, inquire, obtain and keep customers’ credit information in compliance with laws and regulations, and achieve safe closed-loop management of the whole life cycle of information.

How to ensure that the collected information is of sufficient quality to support bank lending?

National Development and Reform Commission:

Credit information is the basis of credit financing. In order to further improve the quality of credit information collection and sharing, we will focus on the following four aspects:

The first is to expand the scope. In 2021, the General Office of the State Council issued the Implementation Plan of Strengthening the Application of Credit Information Sharing to Promote the Financing of Small and Medium-sized Enterprises, which proposed to focus on collecting 14 categories and 37 items of credit information urgently needed by financial institutions. On the basis of fully completing the previous collection tasks, and according to the credit information demand of financial institutions for "accurate portrait" of enterprise credit status, this Implementation Plan puts forward 17 new categories and 37 new credit information, and clarifies the specific contents and methods of collection and sharing. This is a long-term work. We will update the credit information collection and sharing list in a timely manner according to the needs, and constantly enrich and improve this list to facilitate financial institutions to provide credit financing services to business entities.

The second is the best way. For the credit information data that have been centralized managed by the relevant state departments, it is necessary to increase the "total-to-total" sharing, reduce the workload of repeated collection in local areas, and improve the efficiency of information sharing. At present, at the national level, the People’s Bank of China has a credit information system and the National Development and Reform Commission has a credit information sharing platform. These two platforms are the top-level credit information collection platforms in our country, and these two platforms will also be connected in two directions in the future. Now the credit platform has been opened to banks.

The third is strong governance. Strengthen collaborative governance of data quality, unify data collection standards, improve information update and maintenance mechanism, focus on solving problems such as insufficient data sharing frequency, insufficient interface call capacity, and insufficient information sharing of some public utilities, and ensure that data is true, accurate and complete.

The fourth is re-evaluation. The National Development and Reform Commission will take the lead in timely evaluating the quality and efficiency of credit information sharing in various localities and relevant departments, continuously improve data quality, and activate the potential of small and medium-sized enterprises in financial services with high-quality credit data governance.

　　Reading tips

　　In recent years, with the continuous expansion of domestic planting scale, domestic fruits have been upgraded and their quality is getting better and better. With the upgrading of consumption, the pattern of production and sales is also quietly changing. Consumers bought domestic imported fruits with good quality and low price, and also intuitively experienced the improvement of the quality of domestic fruits.

　　In supermarkets and farmers’ markets in major cities in China, products originally belonging to imported fruit areas, such as Sunshine Rose Green Extract, Soft Seed Pomegranate, Autumn Pear and Wild Persimmon, have now appeared in domestic fruit areas.

　　"It used to cost more than 100 yuan to buy a string of sunshine roses. Now, in the chain fruit shop at my door, the B-grade sunshine roses are only 29.9 yuan per kilogram." Ma Chunying, a resident of Ganhe Home in Urumqi, Xinjiang, said.

　　In recent years, with the continuous expansion of domestic planting scale, more and more imported fruits have been "localized". According to the data of Tianyancha, there are currently over 6 million fruit-related enterprises in China. With the consumption upgrading, the production and sales pattern of domestic fruits is also quietly changing.

　　The source of fruit tends to be domestic.

　　In the modern agricultural science and technology industrial park in Shaya County, Xinjiang, the huge cherries ushered in the first batch of ripe fruits this year in May. With a bite, the flesh was full, the stone was small, and the juice was moderately sweet and sour, which was booked by many tourists. Looking at the clusters of red and full fruits hanging on the trees, some tourists can’t help feeling: "We have also realized the freedom of fresh cherries."

　　Looking back on the fruit market in the past 10 years, at the beginning, people’s demand for high-quality fruits such as cherries was mainly met by imports. "Chilean cherries, Japanese sunshine roses, Thai golden pillow durian, etc., in the early days when imported fruits entered the market, we rarely purchased them, fearing that they could not be sold." Looking at the dazzling array of fruits in front of me, Xu Weiwei, the wholesale market owner of the New Beiyuan Spring Agricultural Products Center in Urumqi, said. In 2019, following his father’s footsteps, he placed his No.2 fruit shop in the "New North Garden Spring" market, and the Xu family witnessed the changes in fruit consumption for two generations.

　　From high-quality fruits in season to out-of-season fruits, more and more imported fruits have flooded into China market, filling the gap of high-end products in China fruit market. While imported fruits occupy the market in China, they also quietly affect the fruit industry in China.

　　In order to ensure the freshness of fruits, imported fruits are often picked under immature conditions. After a long transportation, the taste and quality are greatly reduced. How to overcome this shortcoming? China counterparts turned the origin of fruit to China.

　　"In the past, citrus in Australia occupied the market. After 2010, the market purchased more citrus from Sichuan, Yunnan, Guangxi and other places in China, which was delicious and cheap." Xu Weiwei said.

　　Not only citrus, but more than 80% of pitaya came from Vietnam when it first entered the China market. After the successful cultivation and promotion of pitaya in China, it replaced 60% of Vietnam’s imports.

　　Nowadays, pitaya has not only taken root in the south of China, but also been introduced to the western part of the motherland. "Most of the pitaya on the market are shipped from the south, and now we can also eat the local red pitaya." Jin Hongjun, a dragon fruit grower in the 11th regiment of the 1st Division of Xinjiang Production and Construction Corps, said.

　　Grow high-quality fruits

　　Imported fruits take root in China and bring economic benefits to local growers. However, the good times did not last long, and the traditional concept of "selling by heaps" made farmers only pay attention to output, but ignored quality. Therefore, when it comes to high-quality fruits, consumers still prefer "import".

　　"There are more than ten yuan of cherries and imported cherries (that is, cherries) from outside vendors. No matter the size or color, you can see the difference at a glance, let alone the taste." Xu Weiwei said.

　　Consumers’ demand for quality makes farmers pay more attention to the grading pricing of fruits. However, the transformation of planting concept, input cost and technology can not be separated from the support of science and technology.

　　The first time I tasted the "dinosaur egg" was in Cao Xiaofei’s forest fruit nursery. At that time, he was conducting investigation and research with the forest fruit seedling experts hired. Cao Xiaofei is the head of Xinjiang Aksu Desert True Fruit Industry Co., Ltd., which is mainly engaged in the seedling cultivation of Xinjiang characteristic forest fruit seedlings.

　　According to him, "dinosaur egg" is an imported American fruit plum, which is very crisp in taste and can be stored for a long time. "In recent years, ‘ Dinosaur egg ’ Our seedlings sell well. "

　　In 2010, Xinjiang Academy of Forestry introduced a number of apricot and plum varieties for trial planting in Aksu, among which the successfully planted varieties were "dinosaur egg", thick flavor, delicious emperor and delicious queen.

　　In 2018, in Suzhong Farm, Qiemo County, Xinjiang, Liu Huashan, the person in charge, moved the experimental field to the field. In his view, the southern part of Xinjiang has a large temperature difference, long sunshine time and little rain, and planting American apricot and plum trees has unique advantages. In order to grow high-quality apricots and plums, he started with agricultural materials and seedlings according to the market acquisition standards, realized unified standard procurement, improved the local saline-alkali soil and tested it regularly, and formulated a set of standardized operation procedures.

　　"Our positioning is high-end fruit. The initial investment in standardized orchards is relatively high. If the fruits planted do not meet the market standards, there will be little benefit in bearing more fruits." Liu Huashan said.

　　In Shaanxi, Fujian, Shandong, Yunnan and other places where "imported fruits" were planted earlier than Xinjiang, the efforts of new farmers are not only manifested in planting techniques and refined orchard management, but also like product managers to inspect the market, analyze advantages and disadvantages, and analyze competitors, so as to adjust planting varieties. Yan Hu, president of Yunnan Binchuan Farmers’ Pomegranate Research Association, expects that the new pomegranate varieties "Angel Red" and "Huaguang" with China’s own intellectual property rights will replace the soft-seeded pomegranate market in Tunisia in the future.

　　Cold chain technology allows fruits to shuttle north and south.

　　In August this year, a train loaded with 32 cold chain containers and 640 tons of Xinjiang Jiashi Ximei departed from Kashgar Station, arrived at Shaanxi Weicheng Station in three days, and was sold all over the country after transit.

　　The person in charge of China Railway Urumqi Bureau Group Co., Ltd. told the Workers Daily that the transportation of Ximei is a technologically advanced railway cold chain logistics vehicle. The box is powered on 24 hours a day, and the whole operation process is monitored remotely. The data indicators in the box are updated every 5 minutes. The mobile intelligent cold storage can guarantee the freshness of Ximei to the maximum extent.

　　As a typical "imported fruit", prunes introduced from France have taken root in the northwest of China. Jiashi County, Xinjiang, occupies 40% of the country’s prune planting area and 60% of the country’s output, and has become the largest production, processing and export base of high-quality prunes in China.

　　As early as 2020, China’s Ministry of Agriculture and Rural Affairs launched the construction project of cold storage and preservation facilities for agricultural products producing areas, speeding up the completion of the shortcomings of the "last mile" cold chain logistics facilities in producing areas, and minimizing the post-harvest losses of fruits.

　　Nowadays, domestic "imported fruit" has formed a new circulation path while moving towards people’s dining tables, subverting the traditional fruit industry.

　　From the source, quality control to cold chain transportation, qualified fruits enter the retail channel according to different grades. For consumers, they can not only buy domestic imported fruits with good quality and low price, but also greatly reduce the probability of buying "rotten fruits" and "inferior products", and intuitively experience the improvement of domestic fruit quality.