来源: 新华网 | 2020-05-26 17:35:11 |
记者从中国银保监会获悉,银保监会近日联合工业和信息化部、国家发展改革委、财政部、人民银行和国家市场监管总局发布通知,规范信贷融资各环节收费与管理,降低企业融资综合成本。
《关于进一步规范信贷融资收费 降低企业融资综合成本的通知》细化了严禁贷存挂钩和严禁强制捆绑销售等现有规定,包括不得要求企业将一定数额或比例的信贷资金转为存款,不得忽视企业实际需求将部分授信额度划为银行承兑汇票,不得在信贷审批时强制企业购买保险、理财、基金或其他资产管理产品等。
通知要求银行合理引入增信安排,从银行独立承担、企业与银行共同承担、企业独立承担三个角度,对信贷融资相关费用承担主体和方式等提出要求,并提出在现有措施可有效覆盖风险的情况下,银行不得要求企业追加增信手段,推高融资综合成本。
考核环节,通知对银行资金定价管理、信用评级和拨备计提等影响融资成本因素提出要求,并要求绩效考核取消不当激励。
通知提出发挥跨部门监督合力,并建立正向激励,包括加强企业和项目白名单管理,完善违规收费举报查处机制,对国有控股机构经营绩效考核给予合理评价,并对融入低成本资金而套利的企业严格加以约束等。(作者:李延霞)
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