File specification, high level. 20 15 10 Hangzhou central sub-branch of the people's bank of China and the office of the joint conference on planning and construction of characteristic towns in Zhejiang province (referred to as Zhejiang special office) jointly issued the Guiding Opinions on Financial Support for the Construction of Characteristic Towns in Zhejiang Province. Promulgated by the People's Bank of China, which is well-founded and has good professional guidance and binding force on financial institutions; The release of the special office for the joint management of characteristic towns in Zhejiang Province reflects the hierarchy of policies and also forms a strong constraint on relevant government departments.
16 measures are remarkable. The Guiding Opinions mainly include six financial support measures to promote the construction of characteristic towns:
First, broaden financing channels and support the construction of characteristic town projects. The key words are loans, bond issuance, collaborative introduction of bank financing, funds, trusts, financial leasing, etc. Entering the PPP project in the characteristic town provides a "mouth" and basis for all kinds of funds to enter the relevant projects in the characteristic town, which is very clear and powerful, with high gold content;
The second is to innovate financial products and boost the industrial development of characteristic towns. The key words are industrial chain financing, entrepreneurial innovation, combination of culture and finance, and internet financial innovation. Some specific financial products are defined here, which are very operable.
The third is to improve the payment system and enhance the convenience of financial services in characteristic towns. The key words are payment infrastructure, application of non-cash payment business and convenient measures for payment and settlement. These are all areas that PBOC has the right to decide, and the key lies in implementation. The fourth is to optimize the layout of outlets and improve the financial service system of characteristic towns. The key words are the construction of bank outlets and the establishment of franchise institutions, and there may be characteristic small-town banks similar to technology banks. Fifth, strengthen multi-party cooperation and support small towns with financial characteristics to become better and stronger. Keywords banking service, investment and loan linkage, this has little to do with policy requirements, mainly market behavior. Sixth, increase policy support and optimize the financial ecological environment of characteristic towns. The key words are the guidance and support of monetary policy tools and the construction of credit system, which are also the areas that PBOC has the right to decide, mainly depending on implementation.
Dry goods carding, different opinions.
About project loans: For projects listed in the government procurement catalogue, project loans can be obtained through government procurement financing; Extending the loan term and repaying in installments are obviously beneficial to projects with stable cash flow; As for the "green channel" for loan approval, it can also improve the speed of obtaining loans.
On guiding social capital: encouraging the cooperation of funds in the banking system such as bank financing, funds, trusts and financial leasing to support the fitness of characteristic towns has opened another door for the above funds. You know, there are many areas where the above funds are not allowed to enter.
About financial products: industrial chain financing mainly includes accounts receivable pledge, core enterprise guarantee, bill financing, factoring and so on. Innovation and entrepreneurship financing mainly includes technology and finance such as patent pledge and entrepreneurship guarantee loan; Cultural finance mainly includes trademark pledge, cultural product pledge, art financing, ticket charging right pledge, scenic spot management right pledge, forest right mortgage and so on. The highlight of internet financial innovation is that it can provide unsecured and unsecured micro-credit loans. Although these measures have begun to be routine, they are all very specific financial products, which provide a variety of clear possibilities and choices for corporate financing in characteristic towns.
Investment-loan linkage: banks are mainly encouraged to share the equity or options of small and micro enterprises in the initial stage of invested projects such as venture capital, venture capital and angel investment by means of loans, which is conducive to forming a virtuous circle of financing for venture enterprises by investment institutions and banking financial institutions.
Financial support policies at the national level may be introduced soon.
The policy system of supporting characteristic towns at the national level needs to be formed urgently. Since the Ministry of Housing and Urban-Rural Development has made a statement on the financial policy, the formal introduction of the financial support policy may be soon, needless to say, the scope and height of the policy, I believe the strength will be significantly greater than that of Zhejiang. However, what the development center of characteristic towns expects most is that the financial support policies of characteristic towns at the national level can have as many quantitative indicators as possible, which is also the expectation that the financial support policies of characteristic towns in Zhejiang Province are rarely reflected but the market lacks the most.
Source: Prospective Industry Research Institute.