【企业帮扶】 1.八部委联合印发指导意见——缓解服务业小微企业和工商户房租压力1.Guiding Opinions Released to Relieve Rent Pressure on Micro and Small-sized Enterprises and Individual Businesses 【疫情防控】 2.《关于做好新冠肺炎疫情常态化防控工作的指导意见》发布2.Guiding Opinions Issued on Effectively Conducting the Work Concerning Regular COVID-19 Prevention and Control 【金融信贷】 3.银保监会拟规范信托公司资金信托业务3.CBIRC Drafts Measures to Regulate the Fund Trusts of Trust Companies 4.银保监会拟出台商业银行互联网贷款管理办法4.CBIRC Proposes Draft Measures for Administration of Internet Loans of Commercial Banks
一企业帮扶
1.八部委联合印发指导意见——缓解服务业小微企业和工商户房租压力
1.Guiding Opinions Released to Relieve Rent Pressure on Micro and Small-sized Enterprises and Individual Businesses
On May 9, 2020, the State Development and Reform Commission, the Ministry of Housing and Urban-Rural Development, the Ministry of Finance, the Ministry of Commerce, the People’s Bank of China, the State-owned Assets Supervision and Administration Commission of the State Council, the State Taxation Administration, and the State Administration for Market Regulation jointly released the Guiding Opinions on Further Relieving Rent Pressure on Micro and Small-sized Enterprises and Individual Businesses in Response to the Novel Coronavirus Pneumonia (COVID-19).
First, the policies of rent relief and deferred payment mainly aim to support micro and small-sized enterprises as well as individual businesses with operating difficulties in the service sector, and priority assistance will be given to those engaging in catering, accommodation, tourism, education and training, housekeeping, cinemas, theatres, and hairdressing, as well as other sectors which are in trouble and have been hit hard by the pandemic. Second, local governments should pool financial funds to appropriately aid micro and small-sized enterprises, as well as individual businesses that have rented non-state-owned houses. Third, for lessors with a commitment to rent reliefs, state-owned banking financial institutions should, in view of their needs, grant them a preferential mortgage loan interest based on rent income within the year. Fourth, state-owned housing lessors should take the lead in fulfilling their social responsibilities to actively aid micro and small-sized enterprises and individual businesses, and to maintain the stability of the housing lease market.
二疫情防控
2.《关于做好新冠肺炎疫情常态化防控工作的指导意见》发布
2.Guiding Opinions Issued on Effectively Conducting the Work Concerning Regular COVID-19 Prevention and Control
2020年5月8日，国务院联防联控机制发布《关于做好新冠肺炎疫情常态化防控工作的指导意见》。
On May 8, 2020, the Joint Prevention and Control Mechanism of the State Council issued the Guiding Opinions on Effectively Conducting the Work Concerning Regular COVID-19 Prevention and Control.
The Opinions highlight prevention as the primary task and stress the importance of wearing masks, reducing unnecessary gatherings, and maintaining good ventilation, disinfection and personal hygiene. Cases and carriers of COVID-19 should be detected and reported as soon as possible. Epidemiological investigations should be carried out quickly so as to implement early isolation and early treatment measures. Shopping malls, supermarkets, hotels, restaurants and other public places will be fully reopened on the premise of implementing epidemic prevention measures. Meanwhile, outdoor places including parks, scenic spots and sports venues and indoor sites such as libraries, museums and art galleries will be opened through appointments and with restrictions on visitor numbers. The Opinions also note that entertainment venues like movie theaters and arcades, may host meetings and exhibitions where necessary. The Opinions also call for more scientific research and international cooperation. Studies on vaccines, medicine, virus mutation, and immunity strategy should be promoted. 三金融信贷
3.银保监会拟规范信托公司资金信托业务
3.CBIRC Drafts Measures to Regulate the Fund Trusts of Trust Companies
On May 8, 2020, the China Banking and Insurance Regulatory Commission (CBIRC) released the Interim Measures for Administration of the Fund Trusts of Trust Companies (Exposure Draft), and public comments may be submitted until June 8, 2020.
The Measures regulate that, the fund trust is the private equity management business borne by buyers. Any institution or individual participating in any fund trust shall identify, manage and take investment risks according to laws. In addition, trust companies should ensure that the risk level of the fund trust matches the risk tolerance level of investors, and shall break the rigid payment.
The Measures require trust companies to strengthen risk management of fund trusts, by limiting leverage ratios and nesting levels, achieving risk matching and maturity matching, and preventing risks from improperly transferring to trust companies or spilling over into financial markets.
4.银保监会拟出台商业银行互联网贷款管理办法
4.CBIRC Proposes Draft Measures for Administration of Internet Loans of Commercial Banks
On May 9, 2020, the China Banking and Insurance Regulatory Commission (CBIRC) released the Measures for the Administration of Internet Loans of Commercial Banks (Exposure Draft), and public comments may be submitted until June 9, 2020.
First, in regulating the scope of Internet loans, the Draft makes it clear that commercial banks should grant loans on the principles of small amount, short term, efficiency, and controllable risks. Second, risk management requirements are specified. Commercial banks should develop a comprehensive risk management system for their loan services in order to control risks in every aspect of services, and to strengthen the management of risk data and models while preventing and controlling IT risks. Third, the management of cooperative institutions should be regulated. Commercial banks should establish and improve the access and exit mechanism of cooperative institutions so as to strengthen management and accountability in terms of internal control system, pre-access evaluation, agreement execution, information disclosure, and on-going management, among others. Fourth, consumer protection should be strengthened. Commercial banks should develop a protection mechanism for the rights and interests of borrowers, and the Draft puts forward requirements for the sourcing, use and retention of borrower data. Fifth, commercial banks should strengthen efforts in concurrent and post-lending supervision. Regulatory authorities should conduct regulatory inspection and investigate legal liabilities of offenders for their violations of laws and regulations. 更多详情请关注我们的海外社交平台，有更多的双语资讯内容等着您哦！（PS：Facebook和Twitter需要连vpn）