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2014年12月,人民银行下发《中国人民银行关于完善信贷政策支持再贷款管理支持扩大“三农”、小微企业信贷投放的通知》(银发〔2014〕396号)文件(以下简称396号),对再贷款的利率、发放条件、监测管理等进行调整和明确。为了解政策调整对地方法人金融机构运营的影响,笔者就文件公布以来,地方法人金融机构在实施过程中存在的问题进行深入调研,结合“三农”和“小微”企业发展对金融的新要求,提出了完善再贷款制度和相关政策的建议。
In December 2014, the PBC issued the “Notice of the People’s Bank of China on Improving Credit Policy Support for Reloan Management, Supporting the Extension of Agriculture, Rural Areas and Farmers, and the Launch of Small and Micro Enterprise Credit (Yin Fa [2014] No. 396) (hereinafter referred to as the” 396), adjust and clarify the interest rate, payment conditions, monitoring and management of reloans. In order to understand the impact of the policy adjustment on the operation of local financial institutions, the author conducted an in-depth investigation of the problems existing in the implementation of the financial institutions of local legal entities since the publication of the document, combining with the development of “three rural” and “small and micro” enterprises The new requirements for finance put forward suggestions for improving the system of refinancing loans and related policies.