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双语对照:支持疫情防控相关财税政策、缓解小微企业融资发布会


来源:国新办    作者:天之聪教育   时间:2020-02-09 11:52   点击: 次  

胡凯红:

Hu Kaihong:

女士们、先生们,上午好!欢迎大家出席国务院应对新型冠状病毒感染的肺炎疫情联防联控机制举行的新闻发布会。今天,我们请财政部副部长余蔚平先生,人民银行副行长、外汇局局长潘功胜先生,税务总局总审计师兼货物和劳务税司司长王道树先生,银保监会副主席周亮先生,请他们向大家介绍支持疫情防控相关财税政策,缓解小微企业融资难融资贵的有关情况,并回答大家的提问。 

Ladies and gentlemen, friends from the media, good morning. Welcome to the press conference of the State Council's inter-agency mechanism to tackle the novel coronavirus-related pneumonia outbreak. We have invited Mr. Yu Weiping, vice minister of finance; Mr. Pan Gongsheng, deputy governor of the People's Bank of China and director of the State Administration of Foreign Exchange; Mr. Wang Daoshu, chief auditor of the State Taxation Administration; and Mr. Zhou Liang, vice chairman of the China Banking and Insurance Regulatory Commission. They will speak on the fiscal policies China has to support the prevention and control of the epidemic and alleviate the difficulties of small and micro enterprises in accessing affordable financing as well as answer your questions.

首先,有请余部长作介绍。

First, I'll give the floor to Mr. Yu.

余蔚平:

Yu Weiping:

女士们、先生们、媒体的朋友们,大家上午好!党中央、国务院高度重视新型冠状病毒感染肺炎疫情防治工作。习近平总书记主持召开中央政治局常委会会议研究疫情防控工作,并多次作出重要指示批示,强调各项工作都要为打赢疫情防控阻击战提供支持。李克强总理主持召开中央应对疫情工作领导小组会议研究部署,明确要求把疫情防控工作作为当前最重要的工作来抓。

Ladies and gentlemen, friends from the media, good morning. The Communist Party of China (CPC) Central Committee and the State Council are paying great attention to the prevention and treatment of the novel coronavirus-related pneumonia. General Secretary Xi Jinping chaired a meeting of the Standing Committee of the Political Bureau of the CPC Central Committee on the prevention and control of the epidemic, and gave important instructions, stressing that all our work should support the fight against the epidemic. Premier Li Keqiang chaired the meetings of the central leading group on tackling the epidemic outbreak and made clear that epidemic prevention and control is the most important priority at present.

疫情发生以来,在党中央、国务院坚强领导下,财政部在资金保障和政策保障方面推出了一系列政策举措。主要包括:

Under the strong leadership of the CPC Central Committee and the State Council, the Ministry of Finance has launched a series of measures including funding and policy support since the outbreak, which are mainly as follows.

在资金保障方面,截至2月6日下午5点,各级财政共安排疫情防控资金667.4亿元,实际支出284.8亿元。其中,中央财政共安排170.9亿元,主要包括:疫情防控专项补助57亿元,含对重点疫区湖北省补助的18亿元;基本公共卫生服务和基层疫情防控资金99.5亿元;对科研、物资储备等经费也足额作了安排。目前看,各地疫情防控经费是有保障的,中央财政正在根据疫情发展态势和防控需要,继续做好经费的保障工作,并管好用好资金。

In terms of funding support, as of 5 p.m. on Feb. 6, governments at all levels allocated a total of 66.74 billion yuan to epidemic prevention and control, with an actual expenditure of 28.48 billion yuan. Of this amount, 17.09 billion yuan came from the central government, among which, 5.7 billion yuan were used as subsidies for epidemic prevention and control, including 1.8 billion yuan for subsidies for the priority province of Hubei, and 9.95 billion yuan was for basic public health services and epidemic prevention and control at the grassroots level. A sufficient amount of funds was also allocated for scientific research and supply reserves. At present, funds for epidemic prevention and control work in various localities have been guaranteed. The central government is also continuing its efforts to ensure that there are sufficient funds and that they are well managed and used in the fight to prevent and control the outbreak.

在政策保障方面,截至2月6日,财政部会同有关部门已经出台十余条财税支持措施。主要有:

In terms of policy support, as of Feb. 6, the Ministry of Finance, in cooperation with other government departments, has rolled out over 10 fiscal and tax policies, which mainly include the following.

一是明确患者治疗费用。对确诊患者个人负担费用实行财政兜底,中央财政补助60%;对疑似患者,由就医地制定财政补助政策,中央财政视情给予适当补助。

First, governments will identify the treatment costs. For the patients infected with the virus, 60% of their personal treatment costs will be subsidized by the central government. Localities where suspected cases seek medical treatment will formulate their own subsidy policies, and the central government will provide a proper amount of subsidies depending on the circumstances.

二是明确对参加疫情防控的工作人员,可享受工伤待遇保障政策。

Second, compensation policies for work-related injuries will be extended to staff working in fields related to epidemic prevention and control.

三是明确对参加疫情防控工作的一线医疗卫生人员,中央财政给予定额临时性工作补助。

Third, the central government will provide a fixed amount of temporary work subsidies to medical and health personnel doing epidemic prevention and control work on the frontlines.

四是针对疫情防控物资的政府采购,简化审批程序,打通物资供应的“绿色通道”。

Fourth, we simplified the approval procedures for governments' procurement of epidemic prevention and control supplies and opened up "green channels" for the transportation of supplies.

五是明确对代储企业紧缺医疗物资周转储备资金的银行贷款贴息方案。

Fifth, we worked out a plan to give out bank loans with discount interest rates for storage companies of medical supplies with a shortage of funds. 

六是明确对捐赠用于疫情防控的进口物资免征进口关税和进口环节增值税、消费税。

Sixth, supplies donated for epidemic prevention and control-related work will be exempt from import duties, consumption tax and value-added tax if they are imported goods.

七是明确对卫生健康部门组织进口的防控物资免征进口关税。

Seventh, prevention and control supplies imported by health departments will be exempt from import duties.

八是各级政府性融资担保、再担保机构对受疫情影响较大的企业,取消反担保要求,降低融资担保和再担保费;对受疫情影响严重地区的融资担保、再担保机构,国家融资担保基金减半收取再担保费。

Eighth, government financing guarantee and re-guarantee institutions at all levels will remove counter-guarantee requirements for companies greatly affected by the epidemic. They will also reduce their financing guarantee and re-guarantee premiums. For the financing guarantee and re-guarantee institutions in the areas seriously affected by the epidemic, the state financing guarantee fund will help to halve the re-guarantee premiums. 

九是明确对感染新冠肺炎的个人创业担保贷款,可展期一年,继续享受财政贴息政策。

Ninth, individual entrepreneurs who are infected with the novel coronavirus can enjoy a one-year extension for guaranteed loans as well as discounted interest rates during the extension period. 

十是明确中央财政对疫情防控重点保障企业给予贴息支持。

Tenth, the central government will provide discounted interest rates to key companies involved in epidemic prevention and control work.

同时,我们还加强了国库库款调度,保障基层防控以及保工资、保运转、保基本民生“三保”支出需要。我们专门下发通知,要求各级财政部门统一思想认识,提高政治站位,把人民群众生命安全和身体健康放在第一位,认真落实各项保障政策,切实加大经费保障力度,确保人民群众不因担心费用问题而不敢就诊,确保各地不因资金问题而影响医疗救治和疫情防控,真正做到政策落实到位、工作部署到位、预算安排到位、资金拨付到位、监督管理到位。

At the same time, we have allocated more treasury funds to guarantee grassroots-level epidemic prevention and control, salaries, operations and basic living standards of working staff and the general public. We have issued notices asking financial departments at all levels to put the safety and health of the people first, implement various policies and increase funding support. This is to dispel people's worries about the cost of seeing a doctor and to ensure that medical treatment and epidemic prevention and control in various localities are not affected by a shortage in funding. In addition, through this, we want to make sure that policies are implemented, work is deployed, budgets are in place, funds are allocated and the necessary supervisory measures and management systems are all in place.

前天国务院常务会议决定,在前期针对疫情防控已出台各方面措施的基础上,再推出一批支持保供的财税金融政策。包括以下几个方面:

The State Council executive meeting on Feb. 5 decided to roll out a slew of new fiscal, taxation and financial policies to ensure supplies for the epidemic prevention and control work on top of the previously introduced measures. The major policies are as follows:

一是对疫情防控重点物资生产企业为扩大产能新购置的相关设备,允许一次性计入当期成本费用在企业所得税税前扣除。

First, enterprises producing key anti-epidemic supplies will enjoy a one-time pre-tax deduction for new equipment purchased to expand their production capacity.  

二是对纳税人运输疫情防控重点物资取得的收入,免征增值税。

Second, taxpayers will enjoy value-added tax (VAT) exemption for their income earned from transporting key anti-epidemic supplies. 

三是对疫情防控重点物资生产企业,全额退还2020年1月1日后增值税增量留抵税额。

Third, enterprises producing key anti-epidemic supplies will have all of their incremental VAT credits refunded starting from Jan. 1, 2020. 

四是对与新型冠状病毒相关的防控产品,免收医疗器械产品注册费;对治疗和预防新型冠状病毒感染的肺炎药品,免收药品注册费。

Fourth, registration fees for drugs and medical devices related to the prevention and control of the novel coronavirus will be waived. 

五是对受疫情影响较大的交通运输、餐饮、住宿、旅游等行业企业,亏损结转年限在现行结转5年的基础上,再延长3年。

Fifth, for companies involved in transportation, catering, accommodation, tourism and other sectors which are greatly affected by the epidemic, their losses logged in 2020 can be carried over for an additional three years on top of the current carry-forward timeframe of five years.

六是对纳税人提供公共交通运输服务、生活服务,以及快递收派居民必需生活物资取得的收入,免征增值税。

Sixth, taxpayers can enjoy VAT exemption on income from shipping key anti-epidemic supplies and providing public transportation services, living services, and delivery services for daily necessities. 

七是免征民航企业缴纳的民航发展基金。

Seventh, the civil aviation development fund will be waived for all civil aviation enterprises.

八是企业和个人通过公益性社会组织等或直接向医院捐赠用于疫情防治的医用物资等物品,允许在缴纳所得税前全额扣除。对单位和个体工商户无偿捐赠用于疫情防治的货物,免征增值税、消费税、城市维护建设税、教育费附加和地方教育附加。

Eighth, enterprises and individuals that donate anti-epidemic medical supplies to hospitals via non-profit social organizations or through direct means, can fully deduct the value of their donations from their tax returns. Goods donated by various units and self-employed people for the prevention and control of the pneumonia outbreak will be exempt from VAT, consumption tax, urban maintenance and construction tax, and education and local education surcharges.

九是对参加疫情防治工作的医务人员和防疫工作者,按照政府规定标准取得的临时性工作补助和奖金,以及单位发给个人用于预防的药品、医疗用品和防护用品等实物,不计入工资、薪金收入,免征个人所得税。

Ninth, for medical staff and other personnel participating in the prevention and control of the epidemic, temporary work subsidies and bonuses they receive in accordance with the standards prescribed by the government, as well as medicines, medical supplies and protective supplies offered to them by their organizations, will not be included in their wages and salaries, and are exempt from individual income tax. 

十是加大金融贷款贴息支持力度。增加贴息资金规模,改按疫情防控重点保障企业实际获得贷款利率的50%给予贴息,确保企业实际融资成本低于1.6%。

Tenth, we will increase subsidies to lower the interest rates of loans. We will give a 50% discount to ensure that the interest rate stays below 1.6% for key enterprises in the production, shipment and sales of medical supplies and daily necessities for the prevention and control of the epidemic. 

十一是鼓励企业保质保量增加紧缺的重点医疗防控物资生产,对企业多生产的重点医疗防控物资,全部由政府兜底采购收储。

Eleventh, enterprises have been encouraged to step up the manufacturing of urgently needed key medical supplies, guaranteeing both their quality and quantity. The excess medical supplies they produce will be procured by the government as reserves.

当前,疫情防控正处于攻坚克难的关键阶段。上述一揽子政策,有助于进一步降低相关企业生产运营和融资成本,加大防疫物资和医药产品供给保障力度,帮扶相关企业渡过困难期,有效调动社会各方资源,为坚决打赢疫情防控阻击战提供更好支撑。

At present, we are still at a crucial stage in preventing and controlling the epidemic. The above policies will play an important role in lowering production, operation and financing costs of relevant enterprises and increasing supplies of anti-epidemic materials and medical products. The policies will also help our enterprises overcome difficulties and mobilize various social resources to offer stronger support in our battle against the novel coronavirus. 

目前,财政部会同有关部门正在陆续制发操作文件。同时,我们将做好组织实施工作,确保各项政策措施落实到位,发挥好政策效能。

Currently, we are working with different departments to prepare and issue operational documents, and we will work hard to ensure that our policies can be fully implemented and their effectiveness brought into play.

谢谢大家!

Thank you!

胡凯红:

Hu Kaihong:

谢谢余蔚平副部长。下面,请潘功胜行长作介绍。

Thank you, Mr. Yu. Next, let's give the floor to Mr. Pan Gongsheng, deputy governor of the People's Bank of China (PBOC) and administrator of the State Administration of Foreign Exchange.

潘功胜:

Pan Gongsheng:

各位媒体界的朋友,大家新年好。首先,我代表人民银行国家外汇管理局向新闻媒体界的朋友长期以来对金融工作的支持表示衷心的感谢。

Friends from the media, good morning. First of all, on behalf of the State Administration of Foreign Exchange of the PBOC, I would like to extend my sincere thanks to your support for our work in the financial sector.

自疫情发生以来,金融系统坚决贯彻习近平总书记的重要指示和批示精神,认真落实中央国务院的各项决策部署,按照中央应对疫情工作领导小组的工作安排,在国务院金融委的指导下,把支持疫情防控作为当前的头等大事,全力以赴做好金融的支持工作。

Since the outbreak of the novel coronavirus (2019-nCov), all institutions in China's financial sector have resolutely implemented the important instructions of General Secretary Xi Jinping, as well as every decision made by the CPC Central Committee and the State Council. In accordance with the deployment of the leading group of the CPC Central Committee on the prevention and control of the novel coronavirus outbreak and the guidance of the State Council's Financial Stability and Development Committee, we have prioritized the prevention and containment of this epidemic, sparing no effort to provide financial support to fight this outbreak.

一是保持金融体系充足的流动性。按照国务院金融委会议要求,2月3日和4日,人民银行超预期开展公开市场操作,两天累计投放流动性1.7万亿元,保持疫情防控特殊时期银行体系流动性的合理充裕,发出加大逆周期调节力度的信号,稳定市场预期。

First, we have been working to maintain sufficient liquidity in the financial system. As required during a meeting of the State Council's Financial Stability and Development Committee, the People's Bank of China launched open market operations on Feb. 3 and 4 that exceeded expectations, and injected a total of 1.7 trillion yuan of liquidity in these two days. This aims to maintain liquidity in the banking system at a reasonably sufficient level during this critical period of epidemic prevention and control, intensifying counter-cyclical adjustment and further stabilizing market expectations.

二是货币市场、债券市场、股票市场、外汇市场等金融市场如期开市,并平稳运行。加强金融市场基础设施的服务保障,确保国内金融市场的发行、交易、清算、结算等业务正常运转,维护金融市场平稳有效运行。特别是股票市场和外汇市场,在开市首日出现大幅调整之后,在过去的几个交易日,股票市场企稳回弹,人民币汇率仍然呈现有升有贬、双向小幅波动的特征。这些表明了中国金融市场韧性增强,中国金融市场逐步走向成熟。

Second, the currency, stock, bond and foreign exchange markets have re-opened on schedule and have remained stable. We will step up and further strengthen our service in the financial market infrastructure, ensuring the daily business operations of the domestic financial market, such as issuance, trading, clearing and account settlement, to name a few. Thus, the financial market will continue to run in a stable and effective manner. In terms of the stock and foreign exchange market, after the major adjustment on the first day it re-opened, the stock market has rebounded and stabilized over the course of the past few trading days. The RMB exchange rate has also maintained two-way fluctuations that are within a reasonable and balanced range. All of these developments demonstrate the improved resilience of China's financial market which is becoming more mature.

三是强化对疫情防控的金融支持,保障民生和支持实体经济的稳定发展。2月1日,人民银行会同财政部、银保监会、证监会、外汇局联合出台了30条政策措施,要求银行、证券、保险等各类金融机构积极改进金融服务,开设支付、国库、外汇、现金、信贷、金融基础设施的服务通道,简化业务流程,减免相关费用,保持金融服务的连续性和便利性。人民银行设立3000亿元专项再贷款,实施优惠贷款利率,加强对重要医用、生活物资重点企业的金融支持。继续加大对小微、民营企业和制造业等重点领域的金融支持,增加信用贷款和中长期贷款,降低综合融资成本。对受疫情影响暂时遇到困难的企业,不盲目抽贷、断贷、压贷。

Third, we have strengthened our efforts to provide financial support to the prevention and control of the epidemic, to ensure people's livelihood and support the stable development of the real economy. On Feb. 1, 30 policies and measures were introduced jointly by the PBOC, the Ministry of Finance, the China Banking and Insurance Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange. These policies require that financial institutions, namely banks, bond and insurance institutions, improve their financial services. They are required to offer services in financial market infrastructure, including those related with treasuries, foreign exchange, cash, credit and payments. Their business processes also need to be simplified and certain costs reduced, so as to maintain the continuity of financial services and make it more convenient. The PBOC set up a special loan has provided relending funds of 300 billion yuan (about US$ 42.98 billion), implemented preferential interest rates, and strengthened financial support to key medical suppliers as well as suppliers of daily necessities. We will also continue giving financial support to key sectors including small and micro-businesses, private enterprises, and the manufacturing industry. In addition, we will increase credit loans, medium- and long-term loans and reduce overall financing costs. We will still guarantee loan services to those businesses facing financing difficulties amid the epidemic.

金融系统为应对疫情而采取的政策措施得到了金融市场和社会各个方面的充分肯定,也得到了国际货币基金组织、世界银行及国际金融界的高度评价,普遍认为疫情的影响是暂时的、有限的,中国经济将继续展现极强的韧性,中国政府拥有充足的政策空间稳定经济增长。

The policies and measures taken by China's financial authorities in response to the 2019-nCoV have been fully recognized by the financial market and all sectors of our society. They are also highly regarded by the International Monetary Fund, the World Bank, as well as the global financial industry. It is generally believed that the impact of the 2019-nCoV is temporary and limited. China's economy will continue to demonstrate its great resilience, and the Chinese government has sufficient room to adjust its policies to bolster the stable growth of its economy.

下一步,金融系统将在党中央的坚强领导下,认真贯彻中央应对疫情工作领导小组的工作部署,在国务院金融委的指导下,落实好金融支持疫情防控的30条政策措施,加强货币政策的逆周期调节,维护金融市场的基本稳定,进一步加大对疫情影响较大地区的融资支持,更好地满足社会主体的基本金融服务需求,促进国民经济持续健康发展。谢谢大家。

Next, under the strong leadership of the CPC Central Committee, all institutions in the financial sector will thoroughly implement the work deployment of the leading group of the CPC Central Committee on the prevention and control of the novel coronavirus outbreak. Under the guidance of the State Council's Financial Stability and Development Committee, we will work to implement the 30 policies and measures to provide financial support to the prevention and control of the epidemic, intensify counter-cyclical adjustments to maintain the stability of the financial market, and further increase financing support to the areas severely affected by the epidemic. Thus, we will be able to better satisfy the people's basic need for financial services, and promote the continuous and positive development of the national economy. Thank you.

胡凯红:

Hu Kaihong:

谢谢。下面,请银保监会副主席周亮先生作介绍。

Thank you, Mr. Pan. Next, let's invite Mr. Zhou Liang, vice chairman of the China Banking and Insurance Regulatory Commission, to give us a briefing.

周亮:

Zhou Liang:

各位记者朋友大家好,此次疫情突发性强,涉及面广,特别是关乎人民群众的生命安全和身体健康。当前,最重要的任务就是打赢疫情防控的阻击战。在这场战役中,金融系统责无旁贷,疫情越是吃紧,金融就越要发挥积极作用,这也是我们金融系统以实际行动践行“两个维护”的具体体现。

Friends from the media, good morning. The novel coronavirus pneumonia, featuring an abrupt outbreak and extensive spread, has been affecting people's health and threatening their lives. At present, winning the battle of epidemic prevention and control is our top priority. Facing the increasingly critical epidemic situation, it is incumbent upon our financial system to play a more active role in the fight against the epidemic. We will implement the "two upholds" through practical actions, resolutely upholding General Secretary Xi Jinping's core position on the Party Central Committee and in the Party as a whole, and resolutely upholding the Party Central Committee's authority and its centralized and unified leadership.

银保监会坚决贯彻落实习近平总书记重要指示精神,坚决服从党中央统一领导,在中央应对疫情工作领导小组和国务院联防联控机制的领导下,切实提高政治站位,把防控疫情作为当前的头等大事。党委书记、主席郭树清同志高度重视,1月21日对武汉市农业银行某网点员工疑似感染有关情况立即作出批示,明确要求员工居家隔离观察,做好防控工作。1月23日,银保监会党委作出了部署,要求各有关部门、各协会密切关注疫情,及时做好金融服务。1月26日,银保监会向系统的各单位下发了通知,要求全力配合做好疫情防控工作,随后会同人民银行等有关部委联合出台了一系列政策措施。在做好金融系统自身疫情防控工作的同时,推动银行业、保险业为疫情的防控提供强有力的金融支持。

The China Banking and Insurance Regulatory Commission (CBIRC) has firmly implemented the important instructions by General Secretary Xi Jinping and subjected itself to the Party Central Committee's unified leadership. Working under the CPC Central Committee leading group on the prevention and control of the novel coronavirus outbreak and the State Council joint prevention and control mechanism, we have enhanced our political stance and put the prevention and control of the disease as our first priority. Guo Shuqing, chairman of the CBIRC and secretary of the CPC CBIRC Committee, has placed great importance on this. On Jan. 21, he gave immediate instructions regarding the suspected cases of the novel coronavirus infection at an outlet of the Agricultural Bank of China in Wuhan city, requiring staff to isolate and observe themselves for symptoms in the confines of their homes to curb the spread of the virus. On Jan. 23, the CPC CBIRC Committee made arrangements for all relevant departments and associations to keep a close eye on the epidemic situation and ensure the timely delivery of financial services. On Jan. 26, the CBIRC issued a notice to all the institutions within the system, requiring them to fully cooperate with the epidemic prevention and control work. Later, the CBIRC jointly worked with the People's Bank of China and other relevant departments and ministries to adopt a series of policies and measures to curb the spread of the virus in the financial system, as well as to encourage the banking and insurance industries to provide strong financial support toward the prevention and control of the epidemic.

银行保险机构主动担当、积极作为,坚持以人民为中心,采取有力有效的举措,在全力保障疫情防控资金需求、优化金融服务、主动减费让利、加快保险理赔、积极捐款捐物等方面作出了巨大努力,取得了明显成效。同时,我们坚定不移地防范化解金融风险,银行业、保险业保持了稳健的经营,其活力与竞争力、韧性和抗风险能力明显增强,有力维护了金融安全和市场稳定。

The banking and insurance institutions have borne the weight of responsibility and taken an active and people-centered approach in fighting the epidemic. We have adopted strong and effective measures and made all-out efforts to meet the funding needs of the prevention and control work. We have also improved financial services, proactively cut fees and made interest rate concessions, accelerated insurance claim settlements and donated money and goods. As a result, notable progress has been made. Also, we have taken firm action to forestall and defuse financial risks and sustained the steady and healthy operation of the banking and insurance industries to improve their vitality, competitiveness, resilience and ability to fend off risks, and vigorously safeguarded financial safety and market stability.

抗击疫情的战斗正在进行,曙光就在前头,我们坚信在以习近平同志为核心的党中央坚强领导下,我们万众一心、众志成城,一定能够夺取疫情防控阻击战的最后胜利。谢谢大家。

The fight against the epidemic is now ongoing, and we will soon see the light at the end of the tunnel. Under the strong leadership of the CPC Central Committee with Comrade Xi Jinping at its core, we have every confidence that we will win the battle against the epidemic by working as one and fighting in unison. Thank you. 

胡凯红:

Hu Kaihong:

谢谢周亮副主席。下面开始提问,提问前大家先通报一下所代表的新闻机构。

Thank you, Mr. Zhou. Now, let's move on to questions. Please identify which media outlet you work for before asking your questions.

人民日报记者:

People's Daily:

现在疫情防控进入了关键时期,湖北武汉一些疫情严重地区的防控物资供给还是非常紧张的,刚才余部长介绍中央财政出台了一系列贴息和税收优惠政策来支持防疫物资生产企业,我想问一下,这些政策是否已经管用和见效?相关的税务部门会采取什么措施能够保障这些政策落地?谢谢。

Now we are facing a crucial time in the prevention and control of the novel coronavirus-caused pneumonia outbreak. The supply of goods and materials needed for the emergency response is still facing a shortage in Wuhan, Hubei and other areas seriously stricken by the epidemic. Just now Mr. Yu introduced to us the series of policies including interest subsidies and preferential tax rates enacted by the financial departments of the Central Government to support enterprises manufacturing goods and materials needed for the epidemic prevention and control. My questions are, have the effects of those policies been already seen? And what measures will the relevant tax authorities take to ensure the implementation of these policies? Thank you.

余蔚平:

Yu Weiping:

谢谢你的提问。“保供”问题2月5日国务院常务会议进行了专门研究和部署,根据国务院常务会议的部署,一是贴息,贴息政策主要是为了对防控物资保障的重点企业加大资金支持,支持恢复产能、扩大产能,全力保障物资的供给。财政部联合人民银行等有关部门首次实施了专项再贷款与财政贴息,进行捆绑发力的政策,这个政策有四个特点:一是企业的融资成本显著降低。因为前面我讲了,企业的实际融资成本会降至1.6%以下,所以这是一个重大的利好。二是对支持的企业的范围有所扩大。三是办理程序简化,急事急办、特事特办。四是部门协调,形成合力。发展改革委、工信部负责重点企业名单管理,央行提供专项再贷款,中央财政贴息,金融机构严格审批,从快放贷,审计署强化监管,各个部门形成工作合力。

Thanks for your question. To ensure the supply of goods and materials for the epidemic prevention and control work, the State Council executive meeting carried out special research and deployment on Feb. 5. The meeting concluded with the introduction of policies mainly in the following three aspects. The first aspect concerns interest subsidies, aimed at strengthening financial support to key manufacturers of epidemic prevention and control goods and materials, as well as backing them in their recovery and expansion of production capacity to ensure the steady supply of such goods and materials. The Ministry of Finance and the People's Bank of China for the first time jointly adopted the policy of special refinancing and government-funded interest subsidies. This policy presents four features. The first feature lies in the significant reduction of the financing cost of enterprises. As I have mentioned just now, the actual financing cost of enterprises will be reduced to less than 1.6%. This is a major advantage for them. The second feature is the expanded scope of enterprises under such support. The third feature is the simplified procedure in which to implement this policy. Priority is given to urgent cases and special methods are adopted for special cases. The fourth feature is the concerted efforts based on inter-departmental coordination. The National Development and Reform Commission and the Ministry of Industry and Information Technology are responsible for the management of the list of key enterprises while the People's Bank of China will provide the special refinancing. The interest subsidy is funded by the central finance authority, financial institutions will strictly make examination for approval of the release of loans, and the National Audit Office will strengthen supervision. Thus, all the relevant departments form strong synergy in the overall effort.

第二个方面,关于收储的政策,为了鼓励企业保质保量增加紧缺的重点医疗防护物资的生产,比如N95口罩,比如防护服等等,对企业多生产的重点医疗防控物资,全部由政府兜底采购收储,给重点生产产品的这些企业一个定心丸。

The second aspect concerns the purchase of reserves. There is a policy which encourages enterprises to manufacture urgently needed key medical goods and materials of good quality and sufficient quantity such as N95 masks and protection suits. These enterprises need not worry about surplus key medical goods and materials for the prevention and control of the epidemic because the government will purchase them all. This policy is in fact a stabilizer for these manufacturers.

第三个方面,有关税费方面的政策,比如物资保障供应方面,一方面是对支持重点企业扩大产能,对疫情防控重点物资生产企业给予税费的优惠,全额退还增值税增量留底税额,这是增加企业的现金流。取消单位价值500万元的限制,对扩产能购置的生产设备,都允许一次性在企业所得税税前扣除,这是鼓励企业购置设备扩大产能。对相关的防疫药品、医疗器械免收注册费,加大对药品和疫苗研发的支持。另外,为加快防控物资及时运送到位,对运输疫情防控重点物资的企业给予免征增值税的政策。税费方面还有一个政策是帮扶相关的行业,为了控制疫情的蔓延,多地采取了一些管控措施,对交通运输、生活服务等事关百姓生活的民生行业影响比较大。此次,对受疫情影响较大的比如交通运输、餐饮、住宿、旅游、快递、民航等行业给予增值税、企业所得税等税费的优惠,这是帮助企业渡过难关。税费方面的政策,还鼓励社会各界捐赠,为鼓励社会各界踊跃捐款捐物,缓解医疗救助物资资金的压力,一方面加大现有政策的力度,扩大接收捐赠的单位范围,允许直接向医院捐赠享受优惠。同时取消税前扣除比例的限制,对企业和个人捐赠给予全额的税前扣除。另一方面,免征货物捐赠的增值税、消费税等有关税费的政策。此外,对参加疫情防治工作的医务人员和防疫工作者临时性的工作补助、奖金给予免征个人所得税的政策。

The third aspect concerns taxes and fees. Take the supply of goods and materials for example. First, the policy supports key manufacturing enterprises in their expansion of their production capacity by giving them preferential tax rates and fully refunding them excess input VAT credits. This is in fact a measure to increase the cash flow of enterprises. Second, the policy which cancels the five million yuan limit on enterprises and permits the one-off pre-tax deduction of corporate income tax on production equipment purchased for the expansion of capacity is to encourage enterprises to expand their capacity. Third, the policy which exempts relevant drugs and medical equipment from registration fees is to strengthen support for the research and development of drugs and vaccines. Fourth, there is a policy that exempts enterprises that convey key goods and materials for the prevention and control of the epidemic from value-added tax so as to ensure the timely transportation of such goods and materials. Fifth, another policy in this aspect is to help relevant industries. In order to curb the spread of the epidemic, many areas have taken controlling measures, which have affected industries related to people's livelihood such as transportation and service industries. Therefore, the policy which grants preferential rates for value-added tax and corporate income tax to industries including transportation, catering, accommodation, tourism, logistics and civil aviation is a measure to help enterprises pull through the crisis. Sixth, there is another tax policy that aims to encourage the active donation of funds or materials from all sectors of society to relieve the pressure for medical aid funds or materials. On the one hand, by strengthening the existing policies and expanding the scope of organizations accepting donations, the policy permits direct donations to hospitals and enterprises which do so can enjoy preferential tax rates while lifting the limits on the pre-tax deduction ratio. On the other hand, this policy exempts donated goods from value-added tax and consumption tax. In addition, this policy also exempts the temporary allowance and bonuses received by medical staff and epidemic prevention workers from personal income tax.

下一步,我们还将跟踪政策实施情况,对各方面反映的一些突出问题及时研究政策预案,确保政策聚焦疫情防控,助力企业复工复产。

As for our next step, we will trace the policy implementation and conduct timely research concerning some of the various outstanding problems. This is to ensure that our policies always focus on the prevention and control of the epidemic and will provide help to enterprises trying to resume work and production.

王道树:

Wang Daoshu:

刚才人民日报记者提到有关税收优惠政策如何落地落实的问题,我做一个补充介绍。

In terms of the implementation of relevant preferential tax policies as mentioned by the People's Daily just now, I want to make some supplementary points.

余部长刚才已经介绍了,按照国务院常务会议的决定,财政部、税务总局发布了若干个公告,推出了一系列针对性很强、力度比较大的支持疫情防控的税收优惠政策。习近平总书记最近就疫情防控工作特别强调一点,最关键的问题就是要把落实工作抓实抓细。税务总局党委以及王军局长和我们各级税务机关按照习近平总书记的要求,按照党中央、国务院部署,我们坚决扛起落实税收政策的政治责任,以更高的要求、更硬的标准、更实的举措,确保各项支持疫情防控工作的税收政策落到实处。具体来说,有以下几个方面:

As has been introduced by Mr. Yu, according to the decision made at the State Council executive meeting, the Ministry of Finance and the State Taxation Administration have issued several notices and put forth some targeted and forceful preferential tax policies to support the prevention and control of the epidemic. Concerned with the novel coronavirus pneumonia outbreak, General Secretary Xi Jinping placed special emphasis on the detailed implementation of the policies. In accordance with General Secretary Xi Jinping's instructions and the work deployments of the CPC Central Committee and the State Council, the Party committee of the State Taxation Administration, Commissioner Wang Jun and our tax authorities at all levels have resolutely taken the responsibility to implement tax policies to help in the prevention and control of the pneumonia outbreak. We have done this while focusing on higher standards and deploying more concrete measures. The specific measures of the implementation work cover the following aspects:

第一是强内功,狠抓税务干部自身培训。这个政策今天早上刚刚发布,我们已经做好预案安排,确保各级税务机关的干部职工在这个特殊的背景之下,我们采用适当的方式加强干部的相关政策学习掌握,特别是对两个方面的人员,一个是一线税务干部职工,再一个是12366税务服务热线坐席人员,确保这些干部职工政策学得懂、答得准,都能够懂操作,会办理。

First, we have paid close attention to the training of officials in the tax administration system. Once the policy was announced this morning, pre-planning arrangements were made to ensure that given the special situation, officials and employees of tax authorities at all levels strengthen their learning and understanding of policies in a proper way. In particular, front-line staff members of the tax administration system as well as personnel of the 12366 tax service hotline must understand the policies well, answer the public's questions accurately, and effectively implement the relevant tax policies. 

第二是正在做的工作是精细化规范操作。我们即将发布支持疫情防控税收优惠政策指引。同时,为了保证落实到位,对此前已经有的全国税务机关纳税服务规范和税收征管操作规范相应地进行调整和优化,对税收征管信息系统进行相应调整,确保一线税务机关干部,也确保纳税人在办理相关涉税事项过程中易操作、好操作。

Second, we are now standardizing the specifications of our operations. We will soon publish guidelines to preferential tax policies to support the epidemic prevention and control work. To ensure the accurate implementation of tax policies, the existing national tax authority's tax service specifications and tax collection and management specifications have been adjusted and optimized accordingly. Tax collection and management information systems have also been adjusted accordingly. All these measures aim to ensure the effective execution of duties by the staff in the front line as well as taxpayers. 

第三是面向相关的纳税人,我们采用滴灌式的深入宣传,在这个特殊的背景下,我们采用非接触的方式。相关部门确定了相应的纳税人,比如对于疫情防控物资重点生产企业,发改委、工信部确定了企业名单之后,税务部门点对点地进行政策的宣传和辅导,把政策送上门,帮助相关的纳税人及时地了解税收优惠政策,尽快地享受。

Third, given the special circumstances we are facing, we have adopted a strategy of pushing out targeted and in-depth publicity to the relevant taxpayers while avoiding actual physical contact. After the National Development and Reform Commission and the Ministry of Industry and Information Technology determine the target enterprises such as key manufacturers of goods and materials needed for the prevention and control of the coronavirus-caused pneumonia, tax authorities will conduct targeted publicity by sending out information of the policies to these enterprises to help them understand them in a timely way and enjoy preferential tax policies as soon as possible.

第四是在特殊的背景下,我们采用非接触的方式来创新纳税服务。采用一系列的举措,优化电子税务局的功能,开展网上办税缴费。如果纳税人有一些事项需要到办税服务厅,我们优化分批错峰办理,确保纳税人能够放心安全地办理缴税缴费事项。

Fourth, given this special context, we have innovated and adopted "contactless" methods to allow the public to use our tax services. We have taken a series of measures to optimize the functions of the e-taxation platform and allow the public to pay their taxes online. Should a taxpayer have to go to a physical tax service hall to handle certain tax-related matters, we will stagger their appointments so as to ensure the safety of taxpayers.  

最后是对于税务系统内部,我们强化责任制,实行严格的绩效考核和监督问责,严明铁的纪律,从而确保政策执行当中一点不打折扣,把党中央、国务院对相关纳税人的政策红利和关怀温暖送到位。

Last but not the least, within the taxation system, we have strengthened the accountability system. We have also implemented strict performance appraisals, supervision and accountability, and tightened discipline to ensure that policies are implemented to the letter and that the policy incentives and concerns from the CPC Central Committee and the State Council benefit relevant taxpayers.

当前,疫情防控正处在关键时期,全国税务部门将进一步增强“四个意识”,坚定“四个自信”,做到“两个维护”,增强使命担当。我们有信心,也有能力把相关的税收优惠政策落实到位,让党中央放心,让人民群众满意。谢谢。

At present, we are at a crucial stage in our battle against the novel coronavirus pneumonia outbreak. Tax authorities throughout the country should strengthen their consciousness of the need to maintain political integrity, think in big-picture terms, follow the leadership core, keep in alignment; have confidence in the path, theory, system, and culture of socialism with Chinese characteristics; and resolutely uphold General Secretary Xi Jinping's core position on the Party Central Committee and in the Party as a whole, and resolutely uphold the Party Central Committee's authority and its centralized, unified leadership. We are confident and capable of fully implementing the new preferential tax policies. We are also confident that the CPC Central Committee will be reassured by our work and the people will be satisfied with our efforts. Thanks.

彭博新闻社记者:

Bloomberg:

我们想了解一下疫情对国家去杠杆的政策有什么影响?另外会不会引起更多的不良贷款?对财政赤字有什么影响?谢谢。

We wonder how the epidemic is affecting China's deleveraging policy? Will it cause more non-performing loans? How will it affect the fiscal deficit? Thank you.

潘功胜:

Pan Gongsheng:

谢谢你的问题。第一,近年来,在多种政策措施的共同作用下,我国的宏观杠杆率保持基本稳定,宏观的总体杠杆率水平已经近十个季度维持在250%左右。第二,结构性的去杠杆取得明显的效果,企业杠杆率的水平一直在趋于下降状态,较2017年高点,这两年下降了5-6个点,家庭部门和政府部门的杠杆率水平的增速也是趋于下降状态。第三,我国有充足的政策工具来应对经济下行的压力,在国际上主要的经济体中,中国的货币政策仍然是少数的处于常态化货币政策的国家。第四,我们在实施货币政策时,要综合考虑经济增长、杠杆率、通胀预期、汇率等内外部平衡多重因素。在疫情的背景下,在经济面临下行压力的背景下,保持经济增长更具有重要性。人民银行在货币政策方面将认真研判,把握好度,平衡好货币政策支持经济增长和稳杠杆的关系。谢谢。

Thank you for your questions. First, due to the combined action of various policies and measures in recent years, China's macro leverage ratio remains basically stable, and the overall macro leverage ratio has been maintained at about 250% for almost ten quarters. Second, the move of structural deleveraging has achieved obvious effects. The level of corporate leverage ratio has been declining. Compared with the high points in 2017, it has decreased by 5 to 6 percentage points in the past two years. The growth of the levels of leverage ratios of the household sector and the government sector is also exhibiting a declining trend. Third, China has enough policy tools to cope with the downward pressure on its economy. Among the major economies in the world, China is one of the few countries that still adopts a normalized monetary policy. Fourth, when we implement monetary policie, we need to comprehensively consider multiple factors of internal and external balances such as economic growth, leverage ratios, inflation expectations, and exchange rates. And in the context of the epidemic and the downward pressure on the economy, maintaining economic growth has now become even more important. The People's Bank of China will carefully study and evaluate the monetary policy, ensure that it stays at an optimal level, and balance the relationship between our monetary policy's ability to support economic growth and to stabilize leverage. Thank you.

余蔚平:

Yu Weiping:

我补充一下,今年的赤字安排已经考虑了一些不确定的因素,从目前的情况来判断,疫情防控的支出是有保障的,对财政预算的影响也较为有限,我们有信心完成今年的各项财政指标。谢谢。

I want to add to this. This year's fiscal deficit arrangements have taken into account some uncertain factors. Judging from the current situation, we believe the expenditure for epidemic prevention and control is guaranteed, and we are confident that we will accomplish this year's fiscal targets. Thank you.

周亮:

Zhou Liang:

刚才记者朋友问到会不会对小微企业的不良贷款造成一定影响,2019年普惠性小微企业的贷款不良率是3.22%,比2018年下降了近1个百分点。客观来讲,这次的疫情对小微企业,特别是住宿、旅游、餐饮等这类小微企业造成了一定的影响,但是总的来看,第一,总量不会太大,严重的疫区,如湖北武汉可能受的影响更严重一点,其他地区受春节因素的影响和防控措施的影响,我们预判不良率会有所上升,但是从整个金融体系运行情况来看,去年我们化解了2.3万亿不良资产,小微企业的不良占比是比较小的。另外,银行的拨备覆盖率达到了180%以上,有充足的资源来应对不良的上升。经济和金融实体经济的关系,大家还是要从长远来看,应该说疫情是暂时的,从中国经济的韧性和回旋余地来看,影响很快就会过去,不会对整个金融造成大的影响。谢谢。

The reporter also asked if the epidemic would have any impact on the non-performing loan (NPL) ratio of small and micro enterprises. In 2019, the NPL ratio of inclusive loans to small and micro enterprises was 3.22%, a decrease of nearly 1 percentage point from 2018. Objectively speaking, the epidemic outbreak has some impact on small and micro enterprises, especially those in sectors such as accommodation, tourism, and catering. But in general, first, the total affected amount will not be too large. The hard-hit regions like Wuhan in Hubei province may be affected a little more. Other areas are affected by factors related to the Spring Festival holiday and epidemic prevention and control measures. We project that the NPL ratio will rise. But from the perspective of the operation of the entire financial system, we can say things will be fine given that last year we resolved non-performing assets worth 2.3 trillion yuan, and the proportion of small and micro enterprises' non-performing assets was relatively small. In addition, the provision coverage ratio in China's banking system has reached over 180%, so there are sufficient resources to cope with possible increase in the NPL ratio. Everyone should look at the relationship between the economy and the financial real economy in the long run. You should see that this epidemic will only be a temporary event. From the perspective of China's economic resilience and ability to absorb short-term impacts, its influence will soon pass and is unlikely to heavily impact China's financial system. Thank you.

中央广播电视总台央视记者:

CCTV:

我们知道中国政府一直在试图降低小型民营企业的融资成本,这次疫情对我们中小企业长期以来的融资难和融资贵问题有什么影响?有哪些措施能够有效缓解中小企业和民营企业的融资难融资贵?谢谢。

We know the Chinese government is trying to lower the financing costs for small and medium-sized companies. How will this outbreak affect them? Are there any measures to ease their difficulties in accessing affordable financing? Thanks.

周亮:

Zhou Liang:

首先,银保监会一直高度重视小微企业的融资难融资贵问题,2019年我们在这项工作上付出了极大的努力,普惠型的小微企业贷款余额2019年增长了2万多亿元,增速达到了24.6%,这个增速是远远高于各项贷款增速的;贷款企业的户数增加了389万户,新发放贷款平均利率比2018年下降了0.69个百分点,再加上其他融资成本的降低,合计整个小微企业的综合融资成本下降已经超过1个百分点。

The CBIRC has taken this issue very seriously. In 2019, we made a lot of efforts to address this problem. Bank loans to small and micro companies had a combined value of over 2 trillion yuan, up 24.6%, at a far higher growth rate than any other bank loans. The number of these companies taking out bank loans rose by 3.89 million. The average interest rate on new loans in 2019 was lowered by 0.69 percentage point from a year ago. If we look at all the factors combined, their overall financing costs have been lowered by more than 1 percentage point.

受到这次疫情的影响,不少小微企业出现了一些暂时性的困难,银保监会指导银行、保险机构采取了多种帮扶措施,比如很多大行和股份制银行对湖北省内的小微企业贷款利率在去年的基础上再次下调0.5个百分点。而且不少银行还为受疫情影响的小微企业增加了专项的信贷额度,对逾期的利息给予了减免,为小微企业提供了有力的融资支持,这是从当前应急的情况来看。

Due to the outbreak, a lot of small and micro companies are facing temporary difficulties. The CBIRC has asked banks and insurance companies to aid small firms hit by the coronavirus epidemic. For example, many banks have lowered their lending rates by 0.5 percentage point to small and micro companies in Hubei province, and other banks have offered them special loans or an exemption of overdue interest, so as to provide effective financing support for these companies.

我们还要从治本上下功夫,今年我们将重点从增量、降价、提质和扩面四个方面来着手来做好小微企业的金融服务。增量是单户授信1千万元及以下的普惠型小微企业贷款要实现“两增”,贷款的增速不低于各项贷款的增速,有贷款余额的户数不低于上年水平。降价,就是要努力实现普惠型小微企业的贷款综合成本进一步降低。提质,就是要努力提高小微企业贷款中的信用贷款、续贷和中长期贷款的比例。这也是困扰企业的一个难点。另外是扩面,指的是新增贷款要更多投向首次从银行机构获得贷款的小微企业,就是首贷率要提高。具体措施有以下几方面:

But to tackle the root problems, we need to do more to offer financial support for small and micro companies. First, this year we will try to increase the growth rate of bank loans to small and micro companies, and the growth rate should not be lower than that for any other bank loans. The number of recipients should also see an increase. Second, we need to lower the financing costs for small and micro companies. Third, we will enhance the quality of such financing services, including the share of credit loans as well as the medium- and long-term lending for small and micro companies. Fourth, we will ensure that more new loans will be provided to companies that are first-time borrowers.

We will take measures in the following aspects:

一是增加有效供给,商业银行要单列小微企业的信贷计划,对分支机构要层层分解,压实责任。同时,发挥好政策性银行的逆周期调节作用,支持其运用资金优势,与中小银行规范开展面向小微企业的转贷款业务。重点支持加大对制造业小微企业的投放。引导银行细分小微企业的客户群体,形成小微金融市场既相互竞争又各有侧重的格局,促进金融服务的下沉。

First, to increase the supply. Commercial banks should work out a credit scheme for small and micro companies. And as for the different branches, we need to ensure that they take up their responsibilities. Policy banks should play an effective role in making countercyclical adjustments, and work with small- and medium-sized banks to provide refinancing services for small and micro companies. In addition, we should step up support for companies in the manufacturing sector. By doing so, healthy competition will be fostered in the financing markets and financial services will be delivered to the community level.

二是优化信贷结构。在监管的评价体系中,设置专项的指标,强化政策导向,引导银行加大对小微企业首贷和续贷的力度,丰富信用贷款、中长期贷款的产品,更好的匹配和满足小微企业的融资需求。

Second, to improve the credit structure. We should help banks step up their efforts in providing bank loans to small and micro companies that are first-time borrowers, or those who plan to continue their bank loans. A variety of financing products with regard to medium- and long-term lending should be developed in order to match companies' different financing needs.

三是进一步推动降低小微企业融资成本。指导银行机构根据LPR的形成机制合理确定小微企业的贷款利率,督促大型银行和股份制银行发挥低利率融资的头雁作用,重点指导使用了支小再贷款和政策性银行转贷款低成本资金的中小银行也要降低他们的贷款利率。同时,严格查处小微企业融资中的不合理收费问题,例如以存定贷等,我们今年还是要加大查处力度。虽然这个问题在反复强调,但是总是有一些敢于去触碰底线的机构和个人,所以今年这方面的查处力度绝不手软。

Third, to further lower financing costs. According to the LPR mechanism, banks will set a reasonable pricing of interest rates to small and micro companies. The major banks need to take the lead in lowering costs, and small and medium-sized banks are encouraged to lower lending rates as well. At the same time, we will take serious measures to crack down on unreasonable fees. There still are some people and institutions that try to break the boundaries set by our regulations, and we will be tough on them this year.

四是进一步落实差异化监管政策,优化小微企业贷款的风险分类制度,全面落实授信尽职免责的政策,适当提高小微企业的不良贷款容忍度,就是说我们对小微企业的贷款不良率的容忍度要比正常企业再高一点。建立健全敢贷、能贷和愿贷的长效机制。

Fourth, to further improve and implement differentiated supervision policies. We will try to raise the tolerance for non-performing loans to small and micro companies. We will also set up a long-term sound mechanism to encourage more lending to small and micro companies.

五是利用大数据、云计算、人工智能等新技术提升小微企业的金融服务质效,进一步丰富我们的信息数据,改进小微企业授信的审批和风控模式,提高信贷的响应、审批、发放效率,降低小微企业的申贷成本。

Fifth, to use advanced technologies, including big data, cloud computing and AI to improve the quality of financing services and to collect data. We will improve risk management controls for lending money to these companies and lower the costs for companies accessing different financing options.

六是加强信用信息的整合与共享,因为小微企业很多财务报表,包括一些资金流,帐目不是很完整。下一步我们在信用信息上要整合,也就是要深化与发改委、财政、税务、海关、市场监管等部门的合作,推动地方政府完善信用信息的平台建设,为小微企业融资提供良好的信用信息的支撑。

Sixth, to improve credit information integration and sharing. Some small and micro companies do not have complete financial statements when they apply for loans. As such, we will work with the NDRC, finance, taxation, customs and market regulation authorities, and encourage local governments to set up a platform for sharing credit information about these companies.

我们相信,通过上述措施,解决小微企业融资难融资贵应该会在今年取得比较明显的成效。谢谢。

We believe that with all these measures, we will be able to make tangible improvements in providing financial support for these small and micro companies this year.

潘功胜:

Pan Gongsheng:

刚才周主席做了很好的回答,我补充几句。在本次的疫情中,小微企业、民营企业由于自身的抗风险能力比较弱,更容易受到疫情的冲击,特殊时期需要采取一些特殊政策。前几天五部委联合发了一份文件,这份文件包括30条政策措施,有很多政策措施的政策安排,是针对疫情特殊时期金融如何支持和帮助小微企业和民营企业的。我们广大的金融机构,包括银行、保险、证券公司等,讲政治、讲大局,积极行动,主动作为,多家金融机构已经出台了很多项的内部政策措施,来帮助缓解小微企业的融资问题。

Mr. Zhou has already given the best answers to your question, but I still would like to share a few more points. Small- and micro-sized businesses and private businesses are less resilient to the epidemic and are easily impacted by the coronavirus outbreak. As such, specific policies need to be carried out during this special period. A few days ago, five ministries jointly issued a document containing 30 policies and measures. Many of them focus on providing financial solutions to support and help small- and micro-sized businesses and private businesses during this special time. Our banks, insurance companies, securities firms and other financial institutions have initiated several specific measures to help small- and micro-sized businesses overcome their financing difficulties.

从一般的正常时期来说,缓解小微企业的融资问题是一项服务实体经济、推动金融供给侧改革的一项复杂的系统性工程。这项工作需要坚持不懈、久久为功。党中央、国务院高度重视小微企业、民营企业的融资问题,采取了多项措施来缓解这个问题,已经取得了一定的成效。刚才周主席在他的讲话中讲得非常清楚。今年以至今后,毫无疑问,小微企业的融资问题仍然是我们金融系统最重要的一项工作,我们需要改革完善货币政策、财政政策、监管政策和税收政策,完善针对商业银行服务小微企业的政策环境和激励约束机制。从大的层面来说,需要引导和鼓励商业银行开展小微企业金融服务能力的提升工程,完善内部的资源配置、绩效考评、风险评估、尽职免责、金融科技等政策支持。要会同地方政府完善信用信息、风险分担等机制建设。

Normally, easing small- and micro-sized businesses' financial difficulties is a complicated and systematic project which serves the real economy and promotes financial supply-side reform. This project requires perseverance and sustained efforts. Both the CPC Central Committee and the State Council place great importance to the financial difficulties of small- and micro-sized businesses and private businesses. We have taken many actions to help them overcome their difficulties and we have seen the effects of some of our work. Mr. Zhou addressed this very clearly in his explanation. We have no doubt that helping small- and micro-sized businesses solve their financial problems is still the most important task in our financial system this year and in the future. In this regard, we need to reform and improve our monetary policies, fiscal policies, regulatory policies and taxation policies. We also need to improve the policies as well as the incentive and restraint mechanisms inherent in commercial banks' services to small- and micro-sized businesses. We should encourage commercial banks to enhance their services to small- and micro-sized businesses as well as improve their internal resource allocation, work performance reviews, risk assessment, financial technology and so on. We should also work with local governments to improve credit information and risk allocation mechanisms.

正如刚才周主席所讲,在我们金融管理部门的努力下,在金融系统共同的努力下,我们坚持不懈,久久为功,我想这个问题一定会得到一定程度的解决。谢谢大家。

As Mr. Zhou just said, with the joint efforts of our financial management department and financial institutions, and with our perseverance and sustained efforts, I think that these problems should definitely be solved to some degree. Thank you!

美国国际市场新闻社记者:

Market News International:

我有一个问题想问潘行长,本周早期的时候央行流动性投放和利率调整,我们看到银行间市场利率有明显下行。请问,实际的贷款利率下行情况是怎么样的?近期,央行是否会继续考虑下调中期借贷便利MLF利率,进一步引导贷款利率下行?后期银行会以什么样的力度和节奏,继续加大融资投放来稳定市场和预期?

I have a question for Mr. Pan. Earlier this week, China's central bank injected liquidity into the market and adjusted the interest rate, and we saw a marked decline in inter-bank interest rates. Can you please explain to us the actual situation behind the decline in the interest rates of loans? In the near future, will the central bank continue lowering the medium-term lending facility (MLF) interest rate and accelerate the declining trend in lending rates? With what intensity and pace will banks continue to increase financing to stabilize the market and expectations in the later period?

潘功胜:

Pan Gongsheng:

首先,大家看到在今年1月1日,我们就宣布了下调存款准备金率0.5个百分点,当时是释放了8000亿的长期资金。在春节开市之后,2月3号和4日,人民银行已累计开展了1.7万亿的公开市场回购操作,向市场投放资金。应该说,这些举措充分显示了央行稳定市场预期、提振市场信心的决心。从现在市场运行来看,公开市场7天和14天的中标利率较前期下降10个基点,分别是2.4和2.55。在量增价降的背景下,整个金融市场利率也在下行。2月6日,银行间市场的隔业回购利率和7天回购利率分别是1.8和2.3左右,应该说走势是非常平稳的。

First, on Jan. 1, we announced to cut the reserve requirement ratio (RRR) by 50 basis points , releasing around 800 billion yuan ($114.6 billion) of long-term funds. The financial markets re-opened after the Spring Festival holiday, and on Feb. 3 and 4 the People's Bank of China pumped a total of 1.7 trillion yuan via reverse repos to inject funds into the market. These measures show the central bank's strong determination in stabilizing market expectations and boosting market confidence. In terms of the current market operations, the bid-winning rates of seven-day and 14-day reverse repos were 2.4 percent and 2.55 percent respectively, both down by 10 basis points. In the context of the increasing volume of funds and declining price, the interest rate of the entire financial market is also falling. On Feb. 6, the overnight repo rate and seven-day repo rate were around 1.8 percent and 2.3 percent respectively, fairly stable.

大家知道,LPR,就是贷款市场报价利率,这是贷款的最优报价利率,是由18家报价行报价形成。市场整体利率变化,会在贷款利率方面得到反映。金融市场、货币市场利率变化会影响LPR预期,现在市场预期下次中期借贷便利操作的中标利率和2月20日公布的LPR,也会有较大概率下行。LPR调整对商业银行贷款定价具有比较强的影响,有比较强的指导性和方向性,因为银行贷款利率是在LPR的基础上加点形成的,银行在发放贷款时根据市场整体利率的变化来调整加减点幅度。

We all know that the loan prime rate (LPR) is the optimal quoted interest rate for loans, which is formed on the basis of the quote prices by 18 banks. Changes in the interest rates across the whole market will be reflected in the loan rate. Interest rate changes in the financial and money markets will also affect LPR expectations. The expected MLF interest rate next time and the LPR to be released on Feb. 20 will quite probably show a downward trend. The LPR adjustment will have strong influence and guidance on the pricing of commercial bank loans, because the banks' lending rates are formed by adding or subtracting basis points based on it., and when banks lend money, they adjust the range of points according to the interest rate changes in the market.

至于你问到下一步,人民银行按照国务院的要求,也正在认真分析和评估疫情对我国经济的影响,我国的宏观调控政策空间仍然是充足的,在世界主要经济体中,中国的货币政策仍然是少数实施常态化货币政策的国家,所以,我们的工具箱是非常充足的。

As to the next steps, the People's Bank of China is analyzing and assessing the epidemic's impact on the economy in accordance with the requirements of the State Council. China still has enough room to adjust its macroeconomic policies, and it is also one of the few major economies maintaining normal monetary policies. Therefore, what we have in our toolkit is sufficient.

在货币政策方面,下一步,一是要加大逆周期调节的强度,保持流动性合理充裕,为实体经济提供良好的货币金融环境。二是要进一步深化利率市场化改革,完善市场报价利率传导机制,就是我刚才讲的LPR传导机制,提高货币政策的传导效率,降低社会融资成本。三是继续发挥结构性货币政策工具的作用,像定向降准、再贷款、再贴现这样一些结构性货币政策工具的引导作用,加大对国民经济重点领域和薄弱环节的支持力度。谢谢。

In terms of monetary policy, the next step is to increase the intensity of counter-cyclical adjustments, maintain reasonable and sufficient liquidity, and create a much better financial environment for the real economy. The second is to further market-oriented interest rate reform and improve the market quotation interest rate mechanism, which is the LPR transmission mechanism I mentioned just now. This will then improve the transmission efficiency of monetary policy and lower the social financing costs. Thirdly, we will keep using structural monetary policy tools such as targeted reductions in reserve requirement ratio of banks, relending, and re-discounts, and give more support to the key areas and weak links in our national economy. Thank you.

凤凰卫视记者:

Phoenix TV:

之前报道称受到疫情影响,监管部门可能会推迟资管新规的执行,这个消息是否属实?如果决定推迟,会推迟多久?谢谢。

It was reported that regulators may delay the implementation of the new asset management regulation due to the impact of the epidemic. Is that true? If so, how long will the delay be? Thank you.

潘功胜:

Pan Gongsheng:

我们现在正在评估,你所讲的是可能的,人民银行和银保监会正在做技术上的评估。

We are making the assessment, and what you have mentioned is a possibility. The People's Bank of China (PBOC) and the China Banking and Insurance Regulatory Commission (CBIRC) are still making their technical assessments.

中国日报记者:

China Daily:

我们看到近期央行宣布将提供3000亿元的专项再贷款资金,请问这部分资金是如何运用的,以及如何保障能够精准的支持防控疫情的工作?请问央行现在如何看待当前的金融市场,特别是股市和汇市的波动情况,以及未来的走势。谢谢。

The central bank announced recently that it will allocate 300 billion yuan ($42.9 billion) in special refinancing loans. How will this be utilized and how can we ensure that the money will be used to support the prevention and control of the epidemic? Also, what is your take on the current financial market, especially the fluctuation and future trajectory of the stock and foreign exchange markets? Thank you.

潘功胜:

Pan Gongsheng:

你的第一个问题余部长已经从财政角度回答了一部分,为了支持打赢疫情防控阻击战,人民银行勇于担当,经国务院批准,作出了一项特别的政策安排,就是由人民银行提供3000亿元专项再贷款,主要是通过主要全国性银行以及部分疫情比较严重的省市的地方商业银行,向重要医用物品和生活物资的生产、运输和销售的重点企业提供优惠利率的信贷支持。这种操作的方法刚才余部长也讲了,我们采取的是实施名单制管理,因为这是一个特别的专项政策安排,由国家发改委、工业和信息化部确定重点企业名单,列入名单的企业主要是生产疫情防控的重点医用物资、重点生活物资的重点企业,比如口罩、护目镜、消毒剂、消毒液等这些产品的生产。金融机构在名单内运用人民银行的专项再贷款资金对企业进行放贷,我们要求金融机构快速授信、快速放贷。

Mr. Yu has responded to your question from the perspective of finance. In order to win the battle against the epidemic, the PBOC has showed its responsibility in tackling this crisis. With the approval of the State Council, the PBOC decided to provide 300 billion yuan in special refinancing loans, which aims to offer preferential interest rates to major companies involved in the production, transportation and sale of medical supplies and daily necessities. These loans will be provided by state-owned commercial banks and local commercial banks in regions that are seriously affected by the outbreak. We will use a list-based management system, and the National Development and Reform Commission as well as the Ministry of Industry and Information Technology will identify the companies which will be put on this list. On the list currently are manufacturers involved in the production of key medical supplies and daily necessities, such as face masks, goggles, sanitizers and disinfectants. Based on this list, financial institutions will grant these special loans offered by the PBOC to the companies. We will ensure all the processes will be handled as fast as possible.

关于专项再贷款的成本,人民银行给到银行的专项再贷款成本是比较低的,我们要求银行给名单内的企业发放优惠利率贷款,利率不能高于3.15%,较上个月LPR4.15%的水平下降1个百分点。从发放的情况看,银行贷款利率基本在2.4%-3.15%中间。在此基础上,由财政部对企业按照贷款利率的50%进行贴息。也就是说,如果一个重点企业拿到这笔贷款,实际所负担的融资成本不高于1.6%。因为这是一项专项的政策安排,所以必须保证这些贷款资金支持的精准性,我们建立了名单制,和财政部、发改委、工信部之间建立了名单制管理,要严格保证这些企业是救灾、救急用的,必须用到最精准的地方。同时,我们建立电子台账,对资金使用情况进行跟踪检查,国家也安排审计署对这些资金的使用加强后续监督。

The cost of the special loans that the PBOC has provided to the commercial banks is pretty low. We required that the interest rate that commercial banks have offered to the companies on the list not be higher than 3.15%, which is one percentage point lower than the Loan Prime Rate (LPR) of last month. Looking at the current lending situation, the lending rates of the commercial banks are between 2.4% and 3.15%. Based on this, the Ministry of Finance will grant companies discounted interest subsidies at a rate of 50%. That is to say, a company's actual loan financing costs will not be higher than 1.6%. As this is a special policy, we need to ensure that the utilization of the loans is highly focused. The PBOC will work together with the Ministry of Finance, the National Development and Reform Commission and the Ministry of Industry and Information Technology to ensure that we put in place this list-based management system to ensure that the loans will be used for the prevention and control of the epidemic. At the same time, we have created electronic accounts to check on how the loans are being utilized. Also, we have ordered audit authorities to step up their follow-up monitoring efforts.

2月3日,中国的金融市场,特别是股票市场和外汇市场,如期正常开市,这个行为表明了中国政府坚决维护市场规则的决心,也展现了中国政府决策层的自信,也说明中国的金融市场正在走向成熟。2月3日开市当日,A股和在岸的人民币汇率出现了较大幅度的调整,我想这种调整也是大家预料之中的。在此之后,股票市场企稳回弹,人民币汇率有升有贬,双向小幅波动,跨境资本流动和外汇供求保持基本稳定。今天晚上外汇局要发布国家1月份的外汇储备数据,1月份的外汇储备也是稳中有升的。金融市场的敏感性很强,可以对风险进行快速的定价,股市、汇市经过开市初期的短期波动之后已经基本恢复正常运行。大家看到,金融市场以它特有的方式展现了对中国政府控制疫情、对中国经济未来增长的信心。正如我刚才所说,疫情对中国经济的影响只是暂时的、阶段性的,不会改变中国经济长期向好、高质量增长的基本面,中国经济也展现了极强的韧性。中国政府有充足的政策空间来稳定中国的经济增长,所以未来对中国股市和中国汇市的平稳运行是充满信心的。谢谢大家。

On Feb. 3, China's financial markets, especially the stock and foreign exchange markets re-opened as scheduled, which shows the Chinese government's commitment to upholding market rules and reflects the confidence of the decision-makers. It also reflects that China's financial markets are becoming increasingly mature. On Feb. 3, China's A-shares and the exchange rate of the onshore Chinese yuan saw major adjustments, which was expected. After that, the Chinese stock market stabilized and rebounded; the exchange rate of the Chinese currency experienced a two-way small-scale fluctuation, and cross-border capital flows as well as the supply and demand of foreign exchange remained stable. Later this evening, the State Administration of Foreign Exchange will release the data on China's foreign exchange reserves in January, which also showed a steady rise. The financial markets are highly sensitive to risks, and such reactions will be reflected through rapid pricing. After experiencing a short-term fluctuation, the stock and exchange rate markets have returned to normal. We can see that the financial market, in its own special way, has expressed its confidence in the Chinese government's ability to control the epidemic and China's future economic growth. Just as I said earlier, the impact of the epidemic on the Chinese economy is just temporary and limited, and it will not change the fundamentals of China's positive long-term economic and high-quality growth prospects. Also, the Chinese economy has shown strong resilience. The Chinese government has ample policy tools to promote steady economic growth, so we have confidence in the continued steady operation of the Chinese stock and foreign exchange markets. Thank you.

经济日报记者:

Economic Daily:

疫情发生以来,纳税人、缴费人对现场的办税缴费心存顾虑,请问税务部门如何确保他们安全便捷地缴费?谢谢。

How will taxation authorities ensure the safety of visitors who are concerned about being infected while paying taxes or fees in service halls since the outbreak of the epidemic? Thank you.

王道树:

Wang Daoshu:

按照党中央、国务院决策部署,为确保疫情防控期间纳税人、缴费人安全、顺畅地正常办理办税缴费事项,税务总局党委在春节期间召开会议进行谋划、提前部署。现在作出的安排主要是集中全力开展非接触式的办税缴费服务,主要是多方采取措施,引导纳税人和缴费人通过电子税务局、手机APP、自助办税终端这些非接触的通道来办理税费有关事项。

In line with the decisions and work deployments made by the CPC Central Committee and the State Council, the Party committee of the State Taxation Administration convened during the Spring Festival holidays. During the meeting, we made plans and deployed special advance measures to ensure that safe and smooth procedures are in place for those who need to pay taxes or other fees while the work to prevent and control the epidemic is still ongoing. The arrangements we have made now mainly focus on the development of contactless tax payment services. We have measures to guide taxpayers to make payments through contactless channels such as the official websites of taxation bodies, apps or self-service tax payment terminals.

给大家报告一下,目前在所有涉税事项中,已经有80%都是可以通过电子税务局来进行办理的,比如纳税人要申领发票,可以在网上申领,然后以邮寄配送的方式把发票送到纳税人手中。当然纳税人也可以在网上办理相关手续以后,到自助办税终端自行领取发票,避免到办税服务厅柜台面对面的接触。对于纳税人在办税过程中遇到的一些问题,或者有一些个性化的需求,我们也强化了12366热线和微信渠道个性化的答询功能。

I would like to tell you that currently 80 percent of tax-related matters can be handled through the websites and web portals of the various taxation offices. For instance, taxpayers can either receive their receipts by courier or delivery services after applying online to receive them. Alternatively, they can also retrieve them from self-service terminals as long as they have completed all the necessary online procedures. These measures can reduce the chances of face-to-face contact with counter clerks. For those who face difficulties or have personalized needs, they can call our 12366 hotline or get in touch with us through our WeChat accounts. Through our continuous efforts, we have improved our services in both these channels.

当然,还是会有少量的办税缴费事项、少量的纳税人需要到办税服务厅办理业务,对于这种情况我们也做了安排,主动引导纳税人事先进行预约,我们对纳税人进行错峰安排。在办税服务厅,隔一个窗口设置一个工作席位,从而降低人员在办税服务厅聚集可能带来的疫情传播风险。当然各地的办税服务场所,包括办税的自助设备,都按照防疫工作的要求进行了严格的消毒和杀菌,所有进入办税服务场所的人员也都需要戴好防护口罩。从税务部门来说,一定全面优化纳税服务,加强对办税服务场所导税的力量,实行首问负责制,确保广大纳税人、缴费人的健康和安全。

Certainly, we have also taken into account several instances where tax-related matters cannot be completed without physical visits to taxation counters. In these cases, clients are advised to book beforehand so that we can stagger their arrivals and ensure that they won't come in large groups. In our service halls, we have spaced out our staff to man every other window to prevent crowding and the epidemic from spreading further. We guarantee that all taxation offices as well as automated equipment are sterilized in line with the prevention and control requirements and all our staff there are also asked to wear face masks. The taxation bodies will continue to improve the comprehensive taxation services and facilitate procedures with more accurate guidance. The receptionist who first receives a certain inquiry will also be held accountable. That is how we ensure the health and safety of our customers.

总之,我们通过以上这些措施,将全力实现纳税人、缴费人办税缴费是网上办、自助办,到了服务厅以后便捷办、放心办。

In short, with all the measures mentioned above, we will ensure that our online and terminal services run well, and also increase the efficiency and reliability of our teller services at our physical locations.

路透社记者:

Reuters:

现在的分析和市场预期一季度经济可能下滑比较快,会不会到4以下?我们需不需要大力度的经济方面的政策出台?包括降息、降准,赤字率有所提高等等?谢谢。

Based on the recent analysis and market forecast, China's economic growth in the first quarter of this year will fall substantially. Will the growth rate fall below 4 percent? Do you need to carry out stimulus measures, such as, to cut interest rates, to reduce the required reserve ratio or increase the deficit-to-GDP ratio? Thank you.

潘功胜:

Pan Gongsheng:

最近经济学界、市场机构,还有政府部门对中国经济下一步的运行有很多讨论和研判,人民银行也在密切的关注经济运行的状况,我们也在做一些研判。我们认为,疫情对我国经济的影响是阶段性的,是暂时的,本次疫情与春节重合,对旅游、餐饮、娱乐等服务业造成了影响,延长假期和推迟开工,对工业生产和建筑业也会产生一些冲击。所以我们判断,疫情可能会对我国一季度的经济活动造成扰动,但是在疫情得到控制之后,经济会较快地回到潜在产出的附近。我们看看历史上的2003年非典,非典时期扰动的是当年二季度的经济增长,三季度经济迅速出现了反弹。所以,我们认为,疫情缓解以后,中国经济将会迅速企稳,并且前期推迟的消费和投资会有释放,中国的经济会出现补偿性的恢复。

Recently, there have been a slew of research studies, analyses and debates among economists, market institutions and government departments in regard to the future of China's economy. The People's Bank of China is also paying close attention to the operation of China's economy. We are also in the midst of our own research and forecasts. In our opinion, the epidemic's impact on our economy is temporary. Coinciding with the Chinese Lunar New Year holiday, the outbreak has had repercussions on the tertiary industry, including tourism, catering and entertainment, and due to the extended holiday, manufacturing and construction sites which delayed production had also been affected as well. We think the epidemic will impact the economy in the first quarter of this year, but our output can rebound once our economy's production potential is released after the 2019-nCov outbreak is controlled. In retrospect, the economic growth in the second quarter of 2003 was affected by SARS, but it rebounded in the third quarter as soon as the pandemic disappeared. Therefore, in our opinion, after the epidemic eases, China's economy will again return to stable growth. Consumption and investment which had been constrained or delayed will be restored and the economy will recover.

我刚才讲到,中国经济有较强的韧性和强大的潜力,长期向好、高质量增长的基本面不会因为这次短暂的疫情而发生改变,我国宏观调控政策的空间仍然是十分充足的。在货币政策方面,我国的货币政策在国际主要经济体中仍然是少数实施常态化货币政策的国家,所以我们的工具箱是充足的,可以有效地对冲疫情的影响。至于具体的政策,你刚才在问题末尾问到了,人民银行也在认真分析、评估疫情对我国经济的影响,做好有关的政策储备。谢谢。

As I said, the Chinese economy has strong resilience and great potential. We have laid the foundation for its long-term and high-quality growth which can't be weakened by the outbreak of this epidemic, and there is still ample room for China's macro-control policy. In terms of monetary policy, China is one of the few economies among the world's major economies that still carry out normalized monetary policy, which offers the Chinese government sufficient tools to effectively deal with the impact of the epidemic. As for the specific policies you just asked about, the People's Bank of China is carefully analyzing and evaluating the impact of the outbreak to the Chinese economy and will make pragmatic policy responses. Thank you.

余蔚平:

Yu Weiping:

我补充一点,我赞成刚才潘行长对形势的判断,新型冠状病毒疫情会对我国的经济带来一定的冲击,但是不会改变我国经济稳中向好、长期向好的基本趋势。针对这次疫情的影响,按照党中央、国务院的决策部署,财政部会同有关部门陆续出台了相关的减税降费政策。

I agree with Mr. Pan that the outbreak of the novel coronavirus will bring some impact to the Chinese economy, but it won't change the basic trend of its long-term steady and sound growth. Under the guidance of the CPC Central Committee and the State Council, the Ministry of Finance and relevant departments have already introduced a series of tax and fee reduction policies. 

下一步,我们将继续落实落细各项减税降费政策,进一步巩固和拓展减税降费成效,按照“三个确保”要求密切关注各行业税负变化,特别是针对新型冠状病毒感染肺炎疫情的影响,及时研究解决企业反映的突出问题,坚决把该减的税减到位,把降的费降到位,持续发挥减税降费的政策效应。我们相信,在党中央、国务院坚强领导下,全国人民汇聚起抗击疫情的强大合力,一定能够尽早恢复正常的生产生活,将疫情的不利影响控制在最小的程度。谢谢。

Next, we will continue to implement and refine the relevant policies, and further consolidate and expand on our current results. According to the requirements of the "three guarantees," we will pay close attention to the tax changes of all industries, and resolve significant problems faced by enterprises that are affected by the epidemic in a timely manner. In so doing, we will be able to allow the tax and fee reductions to fully take effect. We believe that under the strong leadership of the CPC Central Committee and the State Council, together with the great efforts of all Chinese people, we will definitely resume normal production and life as soon as possible, as well as minimize the adverse impact of the epidemic. Thank you.

胡凯红:

Hu Kaihong:

最后一个提问。

One last question, please.

中国新闻社记者:

China News Service:

金融业在疫情防控当中起到了很重要的作用。请问,在银保监会的指导下,银行保险业在这方面做了哪些工作?谢谢。

The financial industry has played an important role in the prevention and control of the outbreak of the epidemic. I was wondering, under the guidance of the China Banking and Insurance Regulatory Commission (CBIRC), what did the banking insurance industry do? Thanks.

周亮:

Zhou Liang:

大家知道,金融是经济的血脉,与社会生产生活、人民的生活需要都是紧密相连的。疫情发生以来,银保监会立即行动,下发了文件和通知,按照“跨前两步”的要求部署了一系列措施,在当前的形势下,我们觉得更需要金融发挥积极作用。我们做了几方面工作:

Finance is the economy's lifeblood, which is closely linked to social production and everyday life. Since the outbreak of the epidemic, the CBIRC responded immediately, issuing documents and notices and deploying a series of measures in accordance with the requirements of "keeping two steps ahead." Under the current circumstances, we will make finance play a more positive role. What we have done is as follows:

一是银行保险业系统做好自身的疫情防控工作,做到“三个到位”:人员到位、责任到位、工作到位。这时候最重要的是要抓好工作的落实。

The first is to pay great attention to the prevention and control of the epidemic in our own system. We have guaranteed and put in place three key components - personnel, responsibilities and work. Doing so allows us to implement all the different types of work needed to control the outbreak.

二是保障金融服务的安全和顺畅。我们要求银行保险机构对所有的银行网点进行消毒清洁,确保安全。因为这个地方人员比较多,办事群众容易发生聚集的现象。要求合理安排营业时间,保障基本的金融需求服务和关键基础设施的稳定运行。特别是鼓励发挥线上的作用,减少人员到实体网点去办事,便捷方便群众。

The second is to ensure the provision of secure and smooth financial services. Insurance institutions and bank outlets are asked to clean and disinfect their premises and equipment every day to provide a safer environment for their customers. At the same time, business hours can be adjusted to ensure that the public can have access to a stable supply of basic financial services. In particular, we encourage more online instead of offline services, so that fewer people will make physical trips to public places and also make it more convenient for the general public.

三是强化对受疫情影响群众的金融服务。要求银行在信贷政策上对受疫情影响的群众给予倾斜,比如灵活调整住房按揭、信用卡个人还款安排。保险机构要优先处理新型冠状病毒患者客户出险的赔付。

The third is to provide preferential services for customers who are affected by the epidemic. Banks will introduce preferential credit policies to customers affected by the novel coronavirus, such as flexible mortgage and delayed payment deadlines for credit card bills. Insurance agencies should also give priority to compensate customers infected with the novel coronavirus.

四是加大对疫情防控一线企事业单位的金融支持。因为现在口罩、防护服、医药消毒水等生产企业在加班加点工作,金融一定要给他们提供有力的支撑。我们还对接了医院、医疗科研和企业,通过减免手续费、简化业务流程、开辟快速的通道、发挥银行信贷、保险保障和融资担保等各方合力,向疫情防控一线的单位提供更加优惠的金融服务。

Fourth, we will increase financial support for enterprises and institutions in the front lines of the epidemic prevention and control work. Enterprises and their staff are working extra hours now to produce masks, protective suits and medical disinfectant, so we must provide strong financial support for them. We have also collaborated with hospitals, medical scientific research institutions and enterprises to adopt a series of measures, such as reducing and cutting service charges, simplifying business procedures and opening up express channels. In addition, we are giving full play to the joint efforts of bank credit as well as insurance and financing guarantees to provide preferential financial services for enterprises in the front line of the epidemic prevention and control work.

五是做好对受困企业的金融服务。因为受到疫情影响较大的有批发零售、住宿餐饮、物流运输、文化旅游等行业,这些企业遇到了一定的困难,所以我们要求银行不得盲目抽贷、断贷和压贷,特别是对于重点疫情的区域,要有区域性的融资政策,更加优惠,加大内部的资金转移定价的措施,提升受疫情影响比较严重的地区的金融供给能力。

Fifth, we will make efforts to provide financial services to enterprises deeply affected by the epidemic. Sectors such as wholesale and retail, accommodation and catering, logistics and transport, culture and tourism and others have been affected more by the epidemic, and enterprises in these sectors are facing difficulties. Therefore, we are requiring that banks refrain from blindly withdrawing, cutting off or suppressing loans. As for the regions greatly affected by the epidemic in particular, we must provide them with more preferential regional financing policies and improve measures for internal fund transfer pricing, so as to enhance the financial supply capacity of areas seriously affected by the epidemic.

六是维护金融市场的稳定,鼓励银行保险机构采取市场化、法治化的手段,帮助部分上市公司度过难关。积极参与货币市场的融资,适度增加债券的投资,进一步增加理财公司的数量。刚才有记者朋友专门关心合理延长存量资管业务的整改过渡期问题,潘行长也做了回答,我们现在正在从实际出发,做内部评估,会尽快公布。适当提高保险公司权益投资的比例上限,防范化解股票质押流动性风险,维护整个金融市场稳定。

Sixth, we will maintain a stable financial market by encouraging banking and insurance institutions to implement market-oriented and law-based measures to help some listed companies overcome difficulties. They are encouraged to actively participate in currency market financing, moderately increase bond investments, and further increase the number of wealth management companies. Just now, a friend from the media asked a question about a reasonable extension of the rectification and transition period of the stock asset management business, and Mr. Pan gave his answer. We are now conducting an internal evaluation based on the actual situation and will announce our findings as soon as possible. We will properly increase the upper limit of the equity investment of insurance companies, guard against and ward off liquidity risks of stock pledges so that we can maintain the stability of the entire financial market.

除此之外,银行保险业积极主动作为,切实履行社会责任。在加强融资对接的同时,对于生产医疗器械、药品、防护服、口罩、消毒用品的企业,重点是疫苗的研发企业,对他们的融资需求我们都主动上门去服务,提供优惠的利率和专项贷款额度,全力保障抗击疫情的资金需求。初步统计,我们对这方面的重点信贷投放累计已达到了2100多亿元。同时,我们还按照特事特办的原则开辟了绿色通道,建立紧急的支付应急保障机制,保障应急资金的划转通畅。安排了专属的网点提供特殊服务,有一些人在家隔离了,我们也可以提供上门服务。受疫情影响比较严重的困难企业和个人,我们作出了灵活的还款安排。保险公司也是特事特办,快速理赔、特案预赔、扩大责任范围、简化理赔要求、放宽理赔条件、提高理赔效率,有的保险公司对治疗中的重症患者提供了预付赔款或者是垫付医疗费,解除患者的后顾之忧。

In addition, the banking and insurance industries are playing an active role to fulfil their social responsibilities proactively and effectively. Besides strengthening our ability to provide capital to areas where it is needed, we are giving priority to the financial needs of companies that produce medical equipment, drugs, protective suits, surgical masks, and disinfection supplies, especially those that conduct vaccine research, and offering preferential interest rates and special loan limits to them. According to preliminary statistics, our cumulative credit investment in this area has reached more than 210 billion yuan. Acting on the principle of handling special cases with special methods, we established a payment protection mechanism to ensure the smooth transfer of emergency funds. We also set up special working branches and provide door-to-door services for people quarantined at home. For enterprises and individuals who have been seriously affected by the outbreak, we offer them flexible repayment arrangements. Insurance companies also offer special services: quick claims, pre-claims for special cases, expansion of the scope of liability, simplified claim requirements, relaxed restrictions of claims, and improved efficiency of claims. To reduce patients' worries, some insurance companies have given advance compensation or medical expenses to severe cases undergoing medical treatment.

银行保险机构还在大力履行社会责任,积极向疫情地区捐款捐物,据不完全统计,截至昨天,银行保险机构和和行会协会累计捐款超过18亿元。有些保险公司向当前最可爱的人,也就是疫情防控一线的医护人员、白衣天使们,无偿赠送保险保障,如果出现了问题,可以提供人均20-100万元的赔付,体现了人文关怀。金融系统的广大青年也是踊跃捐助,团委系统统计了一下,大概捐款达到了8千万元。各方还捐助了大量的医用防护物资。我们还通过银行保险机构在海外的分支机构,利用他们的各个渠道去统一努力帮助采购防护用品,支援抗疫。

Banks and insurance institutions also actively donated to the virus-hit areas. According to incomplete statistics, as of yesterday, banks and insurance institutions and associations have donated more than 1.8 billion yuan to affected areas. Some insurance companies are offering free insurance to the medical staff working in the front line. Should something untoward happen to them, they are guaranteed compensation ranging from 200,000 yuan to 1 million yuan per person on average. This shows the insurance companies' concern for human welfare. The youth in the financial system actively contributed as well. According to the statistics, their donation now stands at 80 million yuan. A large amount of medical supplies were also donated for the protection of staff and people. To fight against the outbreak, we also turned to the overseas branches of banking insurance institutions to purchase protective medical supplies.

胡凯红:

Hu Kaihong:

今天的发布会到此结束。谢谢四位发布人,谢谢各位。

Today's press conference is hereby concluded. Thanks to our four speakers. Thank you all.


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