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银监会等部门联合发文加强扶贫小额信贷管理

2017-08-17 17:29:37   新华网

新华社北京8月17日电(记者李延霞)银监会、财政部、人民银行、保监会、国务院扶贫办17日联合发文加强扶贫小额信贷管理,纠正各地扶贫小额信贷工作中出现的偏差,更好地发挥其在精准扶贫中的作用。

据了解,扶贫小额信贷在帮助贫困户发展生产、增收脱贫等方面取得了明显成效,但也存在资金使用不合理、贷款发放不合规、风险管理不到位等苗头性倾向性问题。

《关于促进扶贫小额信贷健康发展的通知》明确,扶贫小额信贷是为建档立卡贫困户量身定制的金融精准扶贫产品,其政策要点是“5万元以下、3年期以内、免担保免抵押、基准利率放贷、财政贴息、县建风险补偿金”。

通知要求,扶贫小额信贷要精确瞄准建档立卡贫困户,将信用水平和还款能力作为发放扶贫小额信贷的主要参考标准,借款合同要明确贷款资金用途,坚持户借、户还,切实防范冒名借款、违规用款等问题。

通知要求,银行业金融机构要将扶贫小额信贷精准用于贫困户发展生产或能有效带动贫困户致富脱贫的特色优势产业,不能用于建房、理财、购置家庭用品等非生产性支出,更不能将扶贫小额信贷打包用于政府融资平台、房地产开发、基础设施建设等。

通知要求,各地财政和扶贫部门要积极推动建立和完善风险补偿和分担机制。风险补偿金要按规定及时拨付到位,专款专存、专款专用、封闭运行。科学合理确定风险补偿金放大贷款倍数,明确政府与银行业金融机构风险分担比例,不得将风险补偿金混同为担保金使用。

在贷款管理方面,通知提出适当提高不良贷款容忍度,银行业金融机构扶贫小额信贷不良率高出自身各项贷款不良率年度目标2个百分点以内的,可以不作为监管部门监管评价和银行内部考核评价的扣分因素,同时加快完善尽职免责制度。

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