共同推進“銀稅互動”助力小微企業(yè)發(fā)展

共同推進“銀稅互動”助力小微企業(yè)發(fā)展為貫徹落實黨中央國務院關于支持實體經(jīng)濟發(fā)展多措并舉緩解小微企業(yè)融資難的政策精神進一步改進小微企業(yè)金融服務促進大眾創(chuàng)業(yè)萬眾創(chuàng)新，國家稅務總局和中國銀行業(yè)監(jiān)督管理委員會加強頂層設計，于2015年7月日聯(lián)合發(fā)出通知，決定建立銀稅合作機制，在全國范圍內(nèi)開展“銀稅互動”助力小微企業(yè)發(fā)展活動。通知明確，各地稅務機關、銀監(jiān)會派出機構(gòu)和銀行業(yè)金融機構(gòu)要在2015年第3季度內(nèi)建立銀稅合作機制，在依法合規(guī)的基礎上共享區(qū)域內(nèi)小微企業(yè)納稅信用評價結(jié)果充分利用小微企業(yè)的納稅信用評價結(jié)果改進小微企業(yè)金融服務。通知要求，地市級稅務機關要通過銀稅合作機制，定期向銀監(jiān)分局和銀行業(yè)金融機構(gòu)推送轄內(nèi)小微企業(yè)的納稅信用評價結(jié)果行業(yè)金融機構(gòu)也要定期向銀監(jiān)會派出機構(gòu)提供小微企業(yè)的有關融資信息銀行業(yè)金融機構(gòu)對于稅務部門推送的小微企業(yè)要主動開展盡職調(diào)查對于符合貸款條件的守信優(yōu)質(zhì)小微企業(yè)將優(yōu)化貸款審批程序簡化貸款手續(xù)，提高貸款審批效率，加大信貸支持力度。稅務總局納稅服務司有關負責人介紹銀監(jiān)會聯(lián)合開稅互動”助力小微企業(yè)發(fā)展活動是稅務部門和銀監(jiān)部門聯(lián)合推出的一項增信服務措施。這既是稅務部門年“便民辦稅春風行動”的一項重要內(nèi)容，更是稅務部門和銀監(jiān)部門落實中央決策用市場化金融手段緩解小微企業(yè)“融資難”的一項服務創(chuàng)新銀稅互動”項目將納稅信用與企業(yè)融資發(fā)展有機結(jié)合使納稅信用成為小微企業(yè)的信用資產(chǎn)提升了納稅信用的“含金量彰顯了誠信納稅的示范作用和激勵作用下一步稅務部門將盡快研究制定切實可行的工作方案完善納稅信用評價工作“銀稅互動”服務措施落到實處，真正實現(xiàn)小微企業(yè)、金融、稅務三方共贏。

銀監(jiān)會法規(guī)部有關負責人表示銀稅合作機制“銀稅互動活動順利實施的重要制度平臺監(jiān)會派出機構(gòu)作為稅務部門和金融機構(gòu)之間的“傳導中樞”，將發(fā)揮好溝通協(xié)調(diào)、組織指導作用，確保新機制的建立和順利運行。通過銀稅合作機制，增強銀企之間的信息對稱，一方面，針對小微企業(yè)信用信息不全財務信息不規(guī)范等問題為銀行業(yè)金融機構(gòu)授信審批增加了依據(jù)也為貸后管理提供可靠的信息來源另一方面擴大了銀行篩選小微企業(yè)客戶的有效范圍利于擴大銀行業(yè)金融機構(gòu)服務小微企業(yè)的覆蓋面同時銀稅互動活動還有助于提高小微企業(yè)誠信意識，助力小微企業(yè)健康發(fā)展。通知下發(fā)后國家稅務總局將繼續(xù)加強督察指導統(tǒng)計分析積極拓寬服務領域，創(chuàng)新增值服務，發(fā)揮稅收職能，確保工作落到實處；銀監(jiān)會將繼續(xù)督促和引導銀行業(yè)加大對小微企業(yè)的金融支持力度過完善金融服務，優(yōu)化產(chǎn)品設計，改進業(yè)務流程，健全風險管理機制，共同幫助誠信納稅的小微企業(yè)渡過難關持續(xù)推動小微企業(yè)健康發(fā)展促進經(jīng)濟結(jié)構(gòu)調(diào)整和轉(zhuǎn)型升級。

Tojointlypromotethe"SilverTaxinteractive"helpsmallmicro-enterprisedevelopmentToimplementthePartyCentralCommitteeandtheStateCouncilsupporteconomicdevelopmententities,TakeMeasurestoeasepolicysmallmicro-enterprisefinancingdifficultyspirit,tofurtherimprovethesmallandmicrobusinessfinancialservicestopromotepublicentrepreneurship,innovationPeoples,theStateAdministrationTaxationandChinaBankingRegulatoryCommissiontostrengthentop-leveldesign,inJuly30,2015jointlyissuedanotice,decidedtoestablishcooperationmechanismsilvertaxes,carryoutthe"silvertaxinteraction"helpsmallmicroenterpriseactivitiesinthecountry.Thecircularclearly,localtaxauthorities,agenciesoftheCBRCandbankinginstitutionstoestablishacooperativemechanismwithintheBanktaxesin2015thirdquarter,smallandmicroenterprisesintheregionsharetaxcreditevaluationfindingsinaccordancewiththeregulationsonthebasisofcooperation,makefullusesmallEvaluationofresultsofthetaxcreditandmicrobusinesses,smallandmicroenterprisestofinancialservices.Notificationrequirements,municipaltaxauthoritiestaxcooperationmechanismsthroughsilverregularlypushtaxcreditevaluationresultsofthejurisdictionsmallandenterprisestoBranchBankingandbankingfinancialinstitutions,bankinginstitutionsshouldregularlyprovidesmalllocalofficestotheCBRCinformationaboutthefinancingofmicroenterprises.Bankingfinancialinstitutionstopushforthetaxdepartmentofsmallandmicroenterprises,totaketheinitiativetocarryoutduediligence,compliancewithloanconditionsforsmallandmicroenterprisesandtrustworthyquality,willoptimizetheloanapprovalprocess,streamlineloanproceduresandimprovetheefficiencyofloanapproval,increasecreditsupportTaxationTaxServiceDivisionresponsibleperson,andCBRCjointlycarryoutthe"silvertaxinteraction"helpsmallandmicroenterprisedevelopmentactivitiesthetaxdepartmentandtheBankingdepartmentsjointlylaunchedameasuretoincreasetrustservices.Thisisthetaxdepartmentin2015"convenienceTaxspringaction"animportantelement,thetaxdepartmentandtheBankingSectorimplementthecentraldecision-making,theuseofmarket-basedfinancialinstrumentstorelievesmallmicro-enterprise"financingdifficulties"ofaserviceinnovation."Silverinteraction"projectwillfinancedevelopmenttaxcreditandbusinessorganiccombinationofthetaxcreditintosmallmicro-enterprisecreditassetstoenhancethetaxcredit"gold",underlinestheroleintegrityofincentives.Nexttothetaxdepartmentwilldevelopapracticalprogramofresearchassoonaspossible,improvethetaxcreditevaluation,"SilverTaxinteractive"servicemeasuresrealsmallandenterprises,finance,taxationtripartitewin.CBRCregulationsMinistryofficialsaid,thesilvertaxsystemanimportantplatformforcooperationmechanism"silvertaxinteraction"smoothimplementationoftheactivities,CBRCofficesas"conductivehub"betweentaxauthoritiesfinancialinstitutions,willplayagoodcommunicationandcoordination,organizationguidingroleinensuringtheestablishmentofanewmechanismandoperation.silvertaxcooperationmechanismstoenhanceinformationbanksenterprises,ononehand,creditsmallandbusinessesincompleteinformation,financialinformationisnotstandardizedotherissues,creditapprovalincreasesthebasisforbankinginstitutions,butalsoforthepost-loanofferreliablesourceofinformation;theotherhand,expandedthescopethe

bankeffectivescreeningofsmallandmicrobusinesscustomers,andexpandthecoverageofbankinginstitutionsservingsmallmicroenterprises.the"silvertaxinteraction"activitieshelptoimprovethesmallmicroenterprises'integrity,helpthehealthydevelopmentofsmallmicroenterprises.AfternoticeissuedundertheStateAdministrationofTaxationwillcontinuestrengthentheinspectorguidance,statisticalanalysis,activelyexpandserviceareas,innovativevalue-addedservices,playfunctionsensureworkcarriedout;CBRCwillcontinuetosuperviseandguidebankstoincreasesmallandmicroenterprisesThefinancialsupport,throughtheimprovementoffinancialservices,opt