Notice of the general office of Guangdong Provincial People's Government on printing and distributing Guangdong financial support Affected by the epidemic, enterprises were rescued and the economy grew steadily Notification of action plan YFB [2022] No. 13 Municipal People's governments at or above the local level, departments and institutions directly under the provincial government, and relevant units directly stationed in Guangdong: The Guangdong action plan for financial support to enterprises affected by the epidemic and stable economic growth has been approved by the provincial people's government and is hereby printed and distributed to you. Please implement it carefully. Please report the problems encountered in the implementation to the provincial local financial supervision bureau. General Office of Guangdong Provincial People's Government April 28, 2022 Guangdong's financial support for the rescue and of enterprises affected by the epidemic Action plan for steady economic growth In order to implement the economic work deployment of the CPC Central Committee and relevant work arrangements of the State Council, refine and implement a series of work requirements of the financial stability and Development Commission of the State Council, focus on the central work of the provincial Party committee and the provincial government, focus on new problems and challenges, coordinate development and security, increase financial support for the real economy, especially industries affected by the epidemic, small, medium-sized and micro enterprises and individual industrial and commercial households, and further strengthen the stable development of foreign trade This action plan is formulated for the healthy operation of real estate, the implementation of independent innovation strategy, high-quality development of manufacturing industry and Rural Revitalization of financial services to ensure the stable operation of economy and society. 1、 Work objectives Effectively enhance the supply of financial services to the real economy, strive to increase the province's new credit amount and social financing scale in 2022 by 2.7 trillion yuan and 3.8 trillion yuan respectively, and the capital market financing amount by more than 1trillion yuan, so as to ensure that the credit growth rate in the second quarter is higher than 12.1% and the deposit growth rate is higher than 9%. Further optimize the investment and financing structure, help enterprises with good credit, good development prospects and affected by the epidemic tide over difficulties, realize that the growth rate of inclusive small and micro loans, medium and long-term loans for manufacturing enterprises and loans in the field of scientific and technological innovation is more than 10 percentage points higher than that of various loans, strive to increase the number of domestic and foreign listed companies to 100 throughout the year, and increase the number of enterprises listed in regional equity trading centers by more than 10 percentage points. Effectively reduce financing costs, achieve a steady decline in the average interest rate of inclusive small and micro loans, and the banking industry in the province has reduced fees and profits for enterprises by more than 100 billion yuan. 2、 Key tasks （1） We will vigorously carry out financial rescue operations for industries, small and micro enterprises and individual industrial and commercial households affected by the epidemic. 1. Increase financial support for industries affected by the epidemic. Guide financial institutions to actively use the funds for reducing the reserve requirement to support industries affected by the epidemic and small, medium and micro enterprises. Local authorities in charge of accommodation and catering, wholesale and retail, cultural tourism, civil aviation, highway, waterway and railway transportation put forward a list of relief enterprises and reported it to local financial management and supervision departments for summary, so as to increase credit support to banks. Financial institutions do not blindly withdraw, cut off and suppress loans, and comprehensively use a variety of measures such as extension, renewal, refinancing and adjustment of repayment plans to help enterprises resolve short-term debt risks. Support key enterprises greatly affected by the epidemic to issue bonds through the "green channel" provided by China Association of interbank market dealers and interbank market clearing house Co., Ltd., as well as to use the capital market for M & A and rescue. 2. Increase financial relief for small and micro enterprises and individual industrial and commercial households. Guide banks to strengthen the implementation of loan renewal policies, actively follow up the financing needs of small and micro enterprises, promote the active credit and loan repayment mode, and launch online and pure credit financial products such as "anti epidemic loan" and "work resumption loan". Relying on the financing platform for small and medium-sized enterprises in Guangdong Province, a discount of no more than 1% will be given to the small and micro enterprises that apply for loans for the first time in local legal person financial institutions from April 1 to June 30, 2022, and the loan balance of a single household does not exceed 10 million yuan. We will increase financial support for enterprises and flexible employment entities such as taxi drivers, online shop owners and truck drivers that attract more new citizens, so as to help stabilize post employment. Insurance institutions are encouraged to extend the duration of the vehicle insurance for operating vehicles in Guangzhou, Shenzhen, Dongguan, Foshan and other areas greatly affected by the epidemic. For enterprises that have taken out work safety liability insurance, they are encouraged to extend their responsibility for the relief and guarantee of the COVID-19. 3. Carry out financing docking of small and micro enterprises online and offline. Accelerate the connection between industrial and commercial, hydropower and tax data and "digital government", comprehensively collect enterprise related credit information, and accelerate the connection between provincial financing credit service platforms at all levels and national SME financing comprehensive credit service platforms. Create a "financing information code" exclusive to small and micro enterprises, publish financing needs, carry out data authorization, track the progress of loan review, and realize one-stop financing services. Encourage qualified prefectures and cities to set up comprehensive financial service centers, gradually improve the financing functions such as "first loan", "renewal loan", "right confirmation financing", "intellectual property pledge financing" and "capital market financing", and encourage financial institutions and local financial organizations to carry out normalized resident services of service centers. Support eligible prefectures and cities to apply for the national inclusive financial development demonstration zone. 4. Ensure that the comprehensive financing cost of small and micro enterprises decreases steadily. We will continue to guide the financial system to reduce fees and transfer profits to the real economy. Guide banks to make full use of various monetary policy tools such as special refinancing, and improve the differentiated pricing ability of loans. For local legal person financial institutions that issue inclusive small and micro loans, the central financial management department shall give incentive funds at 1% of the incremental balance of inclusive small and micro loans. Strictly supervise and urge financial institutions and local financial organizations to make interest rates and fees open and transparent, strengthen law enforcement and inspection, and resolutely investigate and deal with illegal charges by financial institutions and local financial organizations according to law. For the government financing guarantee institutions in Jiangmen, Huizhou, Zhaoqing and Eastern, Western and northern Guangdong, the newly added financing guarantee business of small and micro enterprises with a single guarantee amount of less than 10 million yuan and an average annualized guarantee rate of no more than (including) 1% in 2022 will be subsidized by 1% of the business amount. 5. Give full play to the function of local financial organizations in serving small and micro enterprises. By optimizing and adjusting the regulatory rating system and other measures, we will increase support for the real economy, especially for key groups of Inclusive Finance such as small and micro enterprises and individual industrial and commercial households. Encourage local financial organizations to reduce fees and interest rates or increase the amount of loans, financial leasing and factoring for small and micro enterprises affected by the epidemic, and handle extension and extension for small and micro enterprises greatly affected by the epidemic. For local financial organizations that perform well in serving small and micro enterprises, appropriately relax their financing leverage and sources, and enhance their service supply capacity. Optimize the conditions for the establishment of local financial organizations such as microfinance companies in eastern, Western and northern Guangdong. Explore the establishment of a due diligence and exemption mechanism for government financing guarantee institutions, and increase financing and credit enhancement support for qualified science and innovation, agriculture related, small and micro enterprises and enterprises affected by the epidemic. The provincial finance has established a compensation mechanism for financing re guarantee and a subsidy mechanism for fee reduction. For the financing guarantee business of small and micro enterprises included in the credit scope of the national financing guarantee fund by the provincial financing re guarantee institution in 2022, the actual compensation loss will be fully shared and compensated, and the re guarantee fee will be fully subsidized. (responsible units: Provincial Development and Reform Commission, Department of industry and information technology, Department of finance, Department of transportation, Department of Commerce, Department of culture and tourism, market supervision bureau, local financial supervision bureau, government service data administration bureau, provincial taxation bureau, Guangzhou Branch of the people's Bank of China, Guangdong banking and Insurance Regulatory Bureau, Guangdong securities regulatory bureau, Shenzhen Central Branch of the people's Bank of China, Shenzhen banking and Insurance Regulatory Bureau, Shenzhen Securities Regulatory Bureau, municipal governments at or above the local level and other relevant units according to their duties) Division of responsibilities (Implementation) （2） We will increase financial support for stabilizing foreign trade and foreign investment. 1. Improve the ability of foreign trade and foreign investment in financial services. Comprehensively investigate the financing needs of foreign-funded foreign trade enterprises greatly affected by China US trade friction, Russia Ukraine conflict and the epidemic, strengthen financing docking, and encourage financial institutions to carry out classified filing and credit granting. We will guide financial institutions to set up "green channels" to speed up the construction of foreign-invested projects and the import of bulk commodities such as energy and chemicals, capital transactions, domestic and foreign currency settlement, credit support and other financial services. Banks are encouraged to expand the white list of high-quality enterprises for cross-border RMB settlement and improve the convenience of cross-border trade investment and financing. Guide financial institutions to effectively apply the "Jiayi loan" financing model, continue to increase financing support for processing trade enterprises, improve the number of service subjects in business scenarios such as "export accounts receivable financing", and expand the scale of trade financing. 2. Increase support for export credit insurance. Give full play to the guiding role of financial funds, expand the coverage of export credit insurance, increase support for enterprises affected by the epidemic, support more than 12000 foreign trade enterprises throughout the year, expand industrial chain underwriting, and help deal with the risks of order cancellation, shipment rejection and so on. Deepen the tripartite cooperation between banks and insurance companies, innovate policy financing products, and increase the credit coverage of short-term insurance policy financing by more than 60 billion yuan. 3. Improve the exchange rate hedging ability of foreign trade enterprises. Support financing guarantee companies to provide guarantee for the long-term foreign exchange settlement and sales business of small, medium-sized and micro foreign trade enterprises, increase credit and reduce the hedging cost of enterprises. Banks are encouraged to simplify foreign exchange hedging business procedures, improve handling efficiency, reduce the margin ratio of foreign exchange hedging business of enterprises, and support qualified local legal person financial institutions to apply for financial derivatives business qualification. 4. Increase cross-border e-commerce financing support. Banks are encouraged to carry out cross-border e-commerce supply chain finance, promote pledge financing such as accounts receivable and orders, increase medium and long-term loan support for cross-border e-commerce enterprises with self built overseas warehouses, and support the construction of cross-border e-commerce comprehensive pilot zones in various cities of Guangdong. Support banks to provide cross-border RMB settlement under current account for new trade formats such as cross-border e-commerce and foreign trade comprehensive services with transaction electronic information under the conditions of meeting transaction information collection and authenticity audit. Support qualified high-quality e-commerce platform enterprises to issue corporate credit bonds. Support small, medium-sized and micro enterprises on cross-border e-commerce platforms to finance from the bond market through standardized bills. 5. Promote the development of bulk commodity trade through futures and cash linkage. Support Guangzhou futures exchange to list futures varieties and carry out trading as soon as possible, encourage futures companies to gather and develop, build delivery warehouses and improve the futures industry chain. Accelerate the transformation and upgrading of local commodity trading places, expand the business scale, improve the comprehensive service capacity, promote the cooperation of commodity futures and cash trading places, and give priority to business innovation such as offshore trading and Futures and cash linkage of commodities for national strategic resources, agricultural products and advantageous varieties in Guangdong, Hong Kong and Macao Bay area. Actively build a comprehensive commodity trading platform and improve the pricing power of bulk commodities in Guangdong, Hong Kong and Macao Bay area. (responsible units: Provincial Development and Reform Commission, Department of finance, Department of Commerce, local financial supervision bureau, Guangzhou Branch of the people's Bank of China, Guangdong banking and Insurance Regulatory Bureau, Guangdong securities regulatory bureau, Shenzhen central sub branch of the people's Bank of China, Shenzhen banking and Insurance Regulatory Bureau, Shenzhen Securities Regulatory Bureau, municipal governments at or above the local level, Guangzhou futures exchange and other relevant units shall implement according to the division of responsibilities) （3） Promote the steady and healthy development of the real estate market. 1. Actively support residents' reasonable demand for housing credit. Adhere to the positioning of "houses are for living, not for speculation", implement differentiated housing credit policies due to urban policies, and reasonably determine the minimum down payment ratio and minimum loan interest rate requirements of commercial individual housing loans within the jurisdiction. Banks are encouraged to reasonably determine mortgage standards for new citizens who meet the requirements of house purchase policies, have the ability to buy houses and have relatively stable income, so as to improve the convenience of borrowing and repayment. 2. Do a good job in M & a financial services for risk disposal projects of real estate enterprises. various