共同推進(jìn)“銀稅互動(dòng)”助力小微企業(yè)發(fā)展為貫徹落實(shí)黨中央國(guó)務(wù)院關(guān)于支持實(shí)體經(jīng)濟(jì)發(fā)展多措并舉緩解小微企業(yè)融資難的政策精神進(jìn)一步改進(jìn)小微企業(yè)金融服務(wù)促進(jìn)大眾創(chuàng)業(yè)萬(wàn)眾創(chuàng)新，國(guó)家稅務(wù)總局和中國(guó)銀行業(yè)監(jiān)督管理委員會(huì)加強(qiáng)頂層設(shè)計(jì)，于2015年7月日聯(lián)合發(fā)出通知，決定建立銀稅合作機(jī)制，在全國(guó)范圍內(nèi)開(kāi)展“銀稅互動(dòng)”助力小微企業(yè)發(fā)展活動(dòng)。通知明確，各地稅務(wù)機(jī)關(guān)、銀監(jiān)會(huì)派出機(jī)構(gòu)和銀行業(yè)金融機(jī)構(gòu)要在2015年第3季度內(nèi)建立銀稅合作機(jī)制，在依法合規(guī)的基礎(chǔ)上共享區(qū)域內(nèi)小微企業(yè)納稅信用評(píng)價(jià)結(jié)果充分利用小微企業(yè)的納稅信用評(píng)價(jià)結(jié)果改進(jìn)小微企業(yè)金融服務(wù)。通知要求，地市級(jí)稅務(wù)機(jī)關(guān)要通過(guò)銀稅合作機(jī)制，定期向銀監(jiān)分局和銀行業(yè)金融機(jī)構(gòu)推送轄內(nèi)小微企業(yè)的納稅信用評(píng)價(jià)結(jié)果行業(yè)金融機(jī)構(gòu)也要定期向銀監(jiān)會(huì)派出機(jī)構(gòu)提供小微企業(yè)的有關(guān)融資信息銀行業(yè)金融機(jī)構(gòu)對(duì)于稅務(wù)部門推送的小微企業(yè)要主動(dòng)開(kāi)展盡職調(diào)查對(duì)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(jiǎn)化貸款手續(xù)，提高貸款審批效率，加大信貸支持力度。稅務(wù)總局納稅服務(wù)司有關(guān)負(fù)責(zé)人介紹銀監(jiān)會(huì)聯(lián)合開(kāi)稅互動(dòng)”助力小微企業(yè)發(fā)展活動(dòng)是稅務(wù)部門和銀監(jiān)部門聯(lián)合推出的一項(xiàng)增信服務(wù)措施。這既是稅務(wù)部門年“便民辦稅春風(fēng)行動(dòng)”的一項(xiàng)重要內(nèi)容，更是稅務(wù)部門和銀監(jiān)部門落實(shí)中央決策用市場(chǎng)化金融手段緩解小微企業(yè)“融資難”的一項(xiàng)服務(wù)創(chuàng)新銀稅互動(dòng)”項(xiàng)目將納稅信用與企業(yè)融資發(fā)展有機(jī)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(chéng)信納稅的示范作用和激勵(lì)作用下一步稅務(wù)部門將盡快研究制定切實(shí)可行的工作方案完善納稅信用評(píng)價(jià)工作“銀稅互動(dòng)”服務(wù)措施落到實(shí)處，真正實(shí)現(xiàn)小微企業(yè)、金融、稅務(wù)三方共贏。

銀監(jiān)會(huì)法規(guī)部有關(guān)負(fù)責(zé)人表示銀稅合作機(jī)制“銀稅互動(dòng)活動(dòng)順利實(shí)施的重要制度平臺(tái)監(jiān)會(huì)派出機(jī)構(gòu)作為稅務(wù)部門和金融機(jī)構(gòu)之間的“傳導(dǎo)中樞”，將發(fā)揮好溝通協(xié)調(diào)、組織指導(dǎo)作用，確保新機(jī)制的建立和順利運(yùn)行。通過(guò)銀稅合作機(jī)制，增強(qiáng)銀企之間的信息對(duì)稱，一方面，針對(duì)小微企業(yè)信用信息不全財(cái)務(wù)信息不規(guī)范等問(wèn)題為銀行業(yè)金融機(jī)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(lái)源另一方面擴(kuò)大了銀行篩選小微企業(yè)客戶的有效范圍利于擴(kuò)大銀行業(yè)金融機(jī)構(gòu)服務(wù)小微企業(yè)的覆蓋面同時(shí)銀稅互動(dòng)活動(dòng)還有助于提高小微企業(yè)誠(chéng)信意識(shí)，助力小微企業(yè)健康發(fā)展。通知下發(fā)后國(guó)家稅務(wù)總局將繼續(xù)加強(qiáng)督察指導(dǎo)統(tǒng)計(jì)分析積極拓寬服務(wù)領(lǐng)域，創(chuàng)新增值服務(wù)，發(fā)揮稅收職能，確保工作落到實(shí)處；銀監(jiān)會(huì)將繼續(xù)督促和引導(dǎo)銀行業(yè)加大對(duì)小微企業(yè)的金融支持力度過(guò)完善金融服務(wù)，優(yōu)化產(chǎn)品設(shè)計(jì)，改進(jìn)業(yè)務(wù)流程，健全風(fēng)險(xiǎn)管理機(jī)制，共同幫助誠(chéng)信納稅的小微企業(yè)渡過(guò)難關(guān)持續(xù)推動(dòng)小微企業(yè)健康發(fā)展促進(jìn)經(jīng)濟(jì)結(jié)構(gòu)調(diào)整和轉(zhuǎn)型升級(jí)。

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