China Banking Regulatory Commission guidance on 2015 financial services to small and micro enterprises in the Yin Jian Fa [2015] No.8 March 3rd, 2015 All banking regulatory bureaus, policy banks, state-owned commercial banks, joint-stock commercial banks, networks, postal Savings Bank, China Banking Association, China Association of secured financing, small loan company China Association: to implement the CPC Central Committee and State Council decision to deploy on the financial support of small micro-enterprise development, the continuous improvement of small and micro enterprises in financial services, promote economic upgrading efficiency upgrades, now the following guidance on 2015 financial services to small and micro enterprises: Nine, strengthen supervision incentive to ensure that policies are implemented at all levels of regulatory authorities to adhere to positive incentive regulation-oriented, market access, special financial bonds issue, risk weighted assets, loan-deposit ratio assessment and regulatory and rating implement differentiated policies for small and micro business financial services. From 2015 onwards, the commercial banks apply to small micro-enterprise financial services related to positive incentives, should small and micro enterprises in order to achieve loan growth of not less than the average growth rate of loans, small micro-enterprise loans to households not less than last year over the same period the number of households, small businesses get loan application rate is not lower than a year earlier as a precondition. All the banking regulatory bureau to strengthen the small micro-enterprise financial services line of staffing to ensure gang responsible related work. To strengthen the jurisdiction of small micro-enterprise loans coverage, service coverage and loan application to obtain rates and other indicators of statistical monitoring, prompt notification in the whole jurisdiction. Regulatory authorities at all levels to carry out the situation according to commercial bank small micro-enterprise financial services, account management and timely use of special financial bonds to raise funds, credit asset securitization and credit assets transfer maneuvers funds for small micro-enterprise loans, due Disclaimer development and implementation approach, service charges and other matters intensify supervision and checks to ensure that the regulatory policies to the letter. China Banking Regulatory Commission guidance on 2015 financial services to small and micro enterprises in the Yin Jian Fa [2015] No. 8 all banking regulatory bureaus, policy banks, state-owned commercial banks, joint-stock commercial banks, postal savings banks, China Banking Association, China Financing Guarantee Association, China Association of small loan companies: to implement the CPC Central Committee and State Council decision to deploy on the financial support of small micro-enterprise development, the continuous improvement of small and micro business financial services to promote the quality and efficiency of economic upgrade, now on 2015 small micro-enterprise financial services proposed the following guidance: First, a clear goal, and strive to achieve "no less than three" China's economic development has entered a new normal, hotel networks, commercial banks should earnestly implement the decisions and arrangements of the CPC Central Committee and the State Council, wholesale distribution networks, small and micro enterprises to further improve financial services, wholesale units, and actively promote the public business, Peoples innovation. 2015 should continue to perform well the availability of these small micro-enterprise financial services policy, strengthen the interest rate risk pricing mechanism, independent accounting mechanism, efficient approval mechanism, incentive and restraint mechanisms, professional training mechanisms and default information reporting mechanism and other "six mechanisms "construction, the implementation of small and micro business financial services franchise organizations separate credit schemes, separate allocation of human and financial resources, individual customer identification and credit review, a separate accounting of the" four single principle. 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