All provinces, autonomous regions, municipalities directly under the Central Government and cities with separate plans, Xinjiang Production and Construction Corps Development and Reform Commission (Planning Committee), Economic and Trade Commission (Ministry of Economic Commission), branches of the People's Bank of China (Business Management Department), provincial capitals (capital) urban center sub-branch, and supervision of the CBRC Bureau, national policy bank, state-owned commercial bank, joint-stock commercial bank:
In order to thoroughly implement the spirit of the Third Plenary Session of the 16th CPC Central Committee and the Central Economic Work Conference, establish and implement a scientific development concept, promote the transformation of economic growth mode, promote the optimization and upgrading of industrial structure, improve the quality of economic growth, and effectively solve the current low level of some industries. Blind expansion and credit growth are too fast, and the industrial structure is unbalanced. Now we will further strengthen the coordination of national industrial policies and credit policies, and the issues related to controlling credit risks are as follows:
First, unify thinking and raise awareness. Industrial policies and credit policies are important means for the state to implement macroeconomic regulation and control. At present, we will further strengthen the coordination and cooperation between industrial policies and credit policies, adopt effective measures, stop credit support for clear elimination of industrial policies, and control the use of backward technology and technical equipment. Project loans, especially the low-level blind expansion of credit funds, are not only the need to strengthen macroeconomic regulation and control and prevent financial risks, but also the need to establish and implement a scientific development concept and achieve comprehensive and coordinated economic and social development. In this regard, all aspects must attach great importance to the unification of ideas and actions to the central decision-making and deployment. Industrial policies and credit policies should be adjusted in a timely and appropriate manner according to the development of the industry and the requirements of macroeconomic regulation and control, and gradually improve the coordination and coordination mechanism between industrial policies and credit policies. In the future, the National Development and Reform Commission will regularly release and timely adjust relevant industrial policies to guide the direction of social investment; the People's Bank of China and the banking regulatory authorities will propose policies and measures to strengthen and improve bank credit management and optimize credit structure, and adjust credit for commercial banks in a timely manner. Investing in providing effective support and services; commercial banks must also improve their risk management capabilities and improve their credit management techniques and tools.
Second, survey classification, differential treatment. According to the current economic operation and the actual situation of industrial development, the National Development and Reform Commission and relevant departments have formulated the "current part of the industry to stop the low-level redundant construction directory." The principles listed in the prohibited catalogue are: serious damage to production safety; serious environmental pollution; quality does not meet national standards; high consumption of raw materials and energy and prohibited investment projects under national laws and regulations. The principle of inclusion in the restricted catalogue is: the production capacity is seriously overcapacity, the new project has no improvement on the industrial structure; the technological technology is backward, and advanced and mature technology has been replaced; it is not conducive to saving resources and protecting the ecological environment and laws and regulations. Projects that limit investment.
All levels of the Development and Reform Commission (Planning Committee), the Economic and Trade Commission (ECA) and relevant financial institutions shall immediately organize investigations, classify queuing, and distinguish between different situations for the enterprises involved in the “Currently Some Low-level Duplicate Construction Cataloguesâ€. Yes:
(1) For the production capacity, process and product construction projects that are explicitly eliminated by the countries that are prohibited from the catalogue, construction shall be stopped, and the completed projects shall be resolutely phased out and closed according to law; all financial institutions shall immediately stop all forms of new construction. Increase the credit support, and take appropriate measures to recover the credits of the implemented projects.
(2) For the construction projects involved in the restricted catalogue, the competent investment departments at all levels shall immediately stop the examination and approval, and the proposed projects shall be suspended; the construction in progress shall be suspended, and the competent investment departments at all levels shall take the lead in clearing up and rectifying and treating them differently. Classification processing; during the clean-up and rectification period, financial institutions should stop giving new forms of credit support.
Third, each has its own role and coordination. All relevant departments should work in accordance with the division of responsibilities, strengthen communication and coordination, and all departments should work together to form a joint force.
(1) The Development and Reform Commission (Planning Committee) and the Economic and Trade Commission (ECA) at all levels must conscientiously implement the national industrial policy, strictly implement the regulations for the examination and approval of investment projects, and promptly notify relevant commercial banks of the current low-level redundant construction catalogue for some industries. 》Involved in the clean-up of the project, assisting the relevant financial institutions to do a good job in adjusting credit investment, resolving credit risks, and preserving credit assets.
(2) The branches of the People's Bank of China (Business Management Department) and the provincial capitals (capital) city center sub-branches must conscientiously implement the credit policy formulated by the head office, timely issue credit policy guidelines, coordinate, supervise and guide commercial banks to establish and improve credit risk early warning control. The system continues to optimize credit investment.
(3) The supervisory bureaus of the China Banking Regulatory Commission shall forward this notice to relevant financial institutions such as commercial banks in various cities within the jurisdiction, and take measures to strengthen the supervision and inspection of the credit investment of local commercial banks, prompting commercial banks to implement industrial policies and credit policies, and make efforts to adjust Credit structure to prevent credit risk.
(4) All commercial banks shall pay attention to the development of the industry and implement the national industrial policy in accordance with the requirements of the state's macro-control. In accordance with their respective business conditions, in accordance with the "current part of the industry to stop low-level redundant construction catalogue" as soon as possible to adjust credit investment, carefully organize the clean-up of project loans related to the catalogue, take effective measures to preserve credit assets. It is necessary to establish a market information forecasting system, accurately grasp the market supply and demand relationship and industrial change trends, realize the scientific decision on loans, rationally allocate credit funds, and avoid credit risks. For industries with high risks, different types of enterprises and projects can be distinguished according to the size of the risks, and the risk control should be strengthened by adopting the floating loan interest rate and the approval authority for the loans received within the prescribed scope.
(5) Establish a system of regular coordination and information notification. Each bank shall submit the structure and quality of the loan industry to the People's Bank in a timely manner (see Appendix 2 for the format of the report). The National Development and Reform Commission, the People's Bank of China and the China Banking Regulatory Commission should hold regular meetings to study and analyze the coordination and cooperation between industrial policies and credit policies, identify problems in a timely manner, and propose solutions.
4. In case of violation of the requirements of this notice or the implementation of the policy, violation of the approval project and the provision of credit support, resulting in serious losses, the relevant parties and responsible persons shall be investigated for their responsibilities in accordance with relevant laws and regulations.
5. Before the end of June 2004, the provincial, district and municipal development and reform commissions (the Planning Commission), the branches of the People's Bank of China, and the supervisory bureaus of the CBRC shall submit the implementation of this notice to the National Development and Reform Commission and the People's Bank of China. China Banking Regulatory Commission. The National Development and Reform Commission, the People's Bank of China, and the China Banking Regulatory Commission will form a joint inspection team to conduct spot checks on local implementation in the second half of the year.
6. The principles of this notice apply to rural commercial banks, rural cooperative banks, urban credit cooperatives and rural credit cooperatives.
In order to thoroughly implement the spirit of the Third Plenary Session of the 16th CPC Central Committee and the Central Economic Work Conference, establish and implement a scientific development concept, promote the transformation of economic growth mode, promote the optimization and upgrading of industrial structure, improve the quality of economic growth, and effectively solve the current low level of some industries. Blind expansion and credit growth are too fast, and the industrial structure is unbalanced. Now we will further strengthen the coordination of national industrial policies and credit policies, and the issues related to controlling credit risks are as follows:
First, unify thinking and raise awareness. Industrial policies and credit policies are important means for the state to implement macroeconomic regulation and control. At present, we will further strengthen the coordination and cooperation between industrial policies and credit policies, adopt effective measures, stop credit support for clear elimination of industrial policies, and control the use of backward technology and technical equipment. Project loans, especially the low-level blind expansion of credit funds, are not only the need to strengthen macroeconomic regulation and control and prevent financial risks, but also the need to establish and implement a scientific development concept and achieve comprehensive and coordinated economic and social development. In this regard, all aspects must attach great importance to the unification of ideas and actions to the central decision-making and deployment. Industrial policies and credit policies should be adjusted in a timely and appropriate manner according to the development of the industry and the requirements of macroeconomic regulation and control, and gradually improve the coordination and coordination mechanism between industrial policies and credit policies. In the future, the National Development and Reform Commission will regularly release and timely adjust relevant industrial policies to guide the direction of social investment; the People's Bank of China and the banking regulatory authorities will propose policies and measures to strengthen and improve bank credit management and optimize credit structure, and adjust credit for commercial banks in a timely manner. Investing in providing effective support and services; commercial banks must also improve their risk management capabilities and improve their credit management techniques and tools.
Second, survey classification, differential treatment. According to the current economic operation and the actual situation of industrial development, the National Development and Reform Commission and relevant departments have formulated the "current part of the industry to stop the low-level redundant construction directory." The principles listed in the prohibited catalogue are: serious damage to production safety; serious environmental pollution; quality does not meet national standards; high consumption of raw materials and energy and prohibited investment projects under national laws and regulations. The principle of inclusion in the restricted catalogue is: the production capacity is seriously overcapacity, the new project has no improvement on the industrial structure; the technological technology is backward, and advanced and mature technology has been replaced; it is not conducive to saving resources and protecting the ecological environment and laws and regulations. Projects that limit investment.
All levels of the Development and Reform Commission (Planning Committee), the Economic and Trade Commission (ECA) and relevant financial institutions shall immediately organize investigations, classify queuing, and distinguish between different situations for the enterprises involved in the “Currently Some Low-level Duplicate Construction Cataloguesâ€. Yes:
(1) For the production capacity, process and product construction projects that are explicitly eliminated by the countries that are prohibited from the catalogue, construction shall be stopped, and the completed projects shall be resolutely phased out and closed according to law; all financial institutions shall immediately stop all forms of new construction. Increase the credit support, and take appropriate measures to recover the credits of the implemented projects.
(2) For the construction projects involved in the restricted catalogue, the competent investment departments at all levels shall immediately stop the examination and approval, and the proposed projects shall be suspended; the construction in progress shall be suspended, and the competent investment departments at all levels shall take the lead in clearing up and rectifying and treating them differently. Classification processing; during the clean-up and rectification period, financial institutions should stop giving new forms of credit support.
Third, each has its own role and coordination. All relevant departments should work in accordance with the division of responsibilities, strengthen communication and coordination, and all departments should work together to form a joint force.
(1) The Development and Reform Commission (Planning Committee) and the Economic and Trade Commission (ECA) at all levels must conscientiously implement the national industrial policy, strictly implement the regulations for the examination and approval of investment projects, and promptly notify relevant commercial banks of the current low-level redundant construction catalogue for some industries. 》Involved in the clean-up of the project, assisting the relevant financial institutions to do a good job in adjusting credit investment, resolving credit risks, and preserving credit assets.
(2) The branches of the People's Bank of China (Business Management Department) and the provincial capitals (capital) city center sub-branches must conscientiously implement the credit policy formulated by the head office, timely issue credit policy guidelines, coordinate, supervise and guide commercial banks to establish and improve credit risk early warning control. The system continues to optimize credit investment.
(3) The supervisory bureaus of the China Banking Regulatory Commission shall forward this notice to relevant financial institutions such as commercial banks in various cities within the jurisdiction, and take measures to strengthen the supervision and inspection of the credit investment of local commercial banks, prompting commercial banks to implement industrial policies and credit policies, and make efforts to adjust Credit structure to prevent credit risk.
(4) All commercial banks shall pay attention to the development of the industry and implement the national industrial policy in accordance with the requirements of the state's macro-control. In accordance with their respective business conditions, in accordance with the "current part of the industry to stop low-level redundant construction catalogue" as soon as possible to adjust credit investment, carefully organize the clean-up of project loans related to the catalogue, take effective measures to preserve credit assets. It is necessary to establish a market information forecasting system, accurately grasp the market supply and demand relationship and industrial change trends, realize the scientific decision on loans, rationally allocate credit funds, and avoid credit risks. For industries with high risks, different types of enterprises and projects can be distinguished according to the size of the risks, and the risk control should be strengthened by adopting the floating loan interest rate and the approval authority for the loans received within the prescribed scope.
(5) Establish a system of regular coordination and information notification. Each bank shall submit the structure and quality of the loan industry to the People's Bank in a timely manner (see Appendix 2 for the format of the report). The National Development and Reform Commission, the People's Bank of China and the China Banking Regulatory Commission should hold regular meetings to study and analyze the coordination and cooperation between industrial policies and credit policies, identify problems in a timely manner, and propose solutions.
4. In case of violation of the requirements of this notice or the implementation of the policy, violation of the approval project and the provision of credit support, resulting in serious losses, the relevant parties and responsible persons shall be investigated for their responsibilities in accordance with relevant laws and regulations.
5. Before the end of June 2004, the provincial, district and municipal development and reform commissions (the Planning Commission), the branches of the People's Bank of China, and the supervisory bureaus of the CBRC shall submit the implementation of this notice to the National Development and Reform Commission and the People's Bank of China. China Banking Regulatory Commission. The National Development and Reform Commission, the People's Bank of China, and the China Banking Regulatory Commission will form a joint inspection team to conduct spot checks on local implementation in the second half of the year.
6. The principles of this notice apply to rural commercial banks, rural cooperative banks, urban credit cooperatives and rural credit cooperatives.
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