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人行等六部門:強化結構性貨幣政策工具激勵 積極發展股權融資
中國人民銀行等6部門發布《關於金融支持提振和擴大消費的指導意見》,推出19條舉措,聚焦消費重點領域和環節,當中提到要著力提升金融機構專業化服務能力,擴大消費領域金融供給。 《意見》指出,要發揮信貸支持主渠道作用。鼓勵金融機構建立健全內部組織架構和專業團隊,提供精準、高效、便捷的消費領域金融服務。在風險可控的前提下,創新優化信貸產品,加大對符合條件的消費行業經營主體首貸、續貸、信用貸、中長期貸款支持力度,滿足消費領域多樣化金融需求。鼓勵利用政府性融資擔保增信措施,支持更多消費領域貸款投放。推廣互聯網、大數據等技術與消費金融的融合應用,優化線上消費信貸產品申請、審批和放款流程,提高消費融資便利度。支持金融機構提升風險管理能力,在確保覆蓋經營成本和商業可持續前提下自主理性定價,合理適度擴大客戶支持範圍,促進消費貸款提質增量,增強金融服務可持續性。 強化結構性貨幣政策工具激勵。鼓勵引導金融機構針對批發零售、住宿餐飲、文體娛樂、旅遊、教育、居民服務等服務消費重點領域的各類經營主體發放貸款,支持其提升服務消費供給質效。設立服務消費與養老再貸款,額度5,000億元人民幣,對21家全國性金融機構以及5家屬於系統重要性金融機構的城市商業銀行發放的服務消費重點領域貸款,可按照貸款本金的100%申請再貸款。用好用足支農支小再貸款額度,對其餘地方法人銀行機構發放的服務消費重點領域涉農、小微企業貸款,給予相應支持。 加大債券市場融資支持力度。支持符合條件的文化、旅遊、教育等服務消費領域企業發行債券。鼓勵符合條件的科創企業通過債券市場募集資金,推動智慧養老、智能醫療等消費產品提質升級。支持符合條件的消費金融公司、汽車金融公司、金融租賃公司發行金融債券,拓寬資金來源,擴大消費信貸規模。推動個人汽車、消費、信用卡等零售類貸款資產證券化增量擴面,促進盤活信貸存量,提升消費信貸供給能力。 積極發展股權融資。支持生產、渠道、終端等消費產業鏈上符合條件的優質企業通過發行上市、“新三板”掛牌等方式融資。引導社會資本加大對服務消費重點領域投資,通過「長期資本」「耐心資本」滿足長周期消費產業融資需求。積極發揮私募股權投資基金和創業投資基金作用,加大對處於種子期、初創期企業的股權投資。鼓勵有條件的地方利用政府投資基金,以市場化方式參與康養、文旅等消費重點項目和數字、綠色等新型消費領域。鼓勵發行消費ETF等特色投資產品。 拓展多元化消費融資渠道。引導消費金融公司提升自主獲客和自主風控能力,合理確定貸款綜合利率水平。發揮汽車金融公司專營特色功能,豐富居民購車消費信貸產品供給,做好對汽車經銷商的信貸支持。規範小額貸款公司業務發展,聚焦服務小微企業、個體工商戶和農戶等群體促進擴大商品服務生產和消費。鼓勵商業銀行、消費金融公司、汽車消費公司和小額貸款公司在符合監管要求前提下,相互合作、優勢互補,開發符合各類消費場景需求的金融產品。
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