The main contents of microfinance risk data survey mainly include

On July 12, Jiangsu Provincial Department of Finance issued the Notice on Further Strengthening the Supervision of Small Loan Companies. According to the notice, in order to further standardize the business behavior of small loan companies (hereinafter referred to as "small loan companies"), guard against industry risks and implement the responsibility of territorial supervision, according to the deployment of the province's tough battle to prevent and resolve financial risks and the special struggle to eliminate evil in the financial field, combined with the problems found in the authenticity spot check and daily supervision of small loan companies in the province in the early stage, the notice on further strengthening the supervision of small loan companies in the province is as follows: 1. Strengthen risk investigation and disposal. All localities should further strengthen the daily supervision of the business activities of microfinance companies, carry out in-depth investigation and rectification of special risks of illegal and illegal operations in combination with the deployment of document cleaning work of Jiangsu Provincial Local Financial Supervision Administration, and build a long-term working mechanism combining daily supervision and inspection with special risk investigation. Classify and dispose of illegal microfinance companies, and urge microfinance companies that terminate their business qualifications to complete their market exit in time. (1) Key inspection and investigation contents 1. Examination and approval management. To investigate whether there are situations in the jurisdiction where small loan companies conduct business or set up branches without approval (filing), and change the ownership structure, registered capital, business premises and company name without approval (filing); Whether the small loan company that has terminated its business qualification has completed the market exit as required. 2. Shareholder qualification. Check whether the shareholders of small loan companies have good social reputation, credit records, tax records and financial status; Comply with laws, regulations and regulatory requirements; Check whether shareholders invest in shares with non-owned legal funds such as entrusted funds and creditor's rights funds; Whether to entrust others or accept others' entrustment to hold shares; Thoroughly investigate whether shareholders and their related parties carry out financial business without permission. 3. External financing. Check whether the microfinance company is suspected of illegally raising funds or directly or in disguised form absorbing public deposits; Whether the loan funds of the shareholders are their own legal funds; Whether to raise funds through credit asset transfer and asset securitization without approval (filing). 4. Real interest rate. Check whether the actual annualized loan interest rate of the small loan company (actual interest rate = all loan-related interest fees charged by the small loan company to the borrower/loan principal issued) exceeds the relevant regulations; Whether there are behaviors such as deducting interest and deposits from the loan principal in advance or setting high overdue interest and penalty interest. Whether it is key information, such as actual interest rate, loan amount, loan term, repayment method, overdue treatment, etc. , fully disclose to the borrower in advance and prompt the relevant risks. 5. Loan management. Check whether the small loan company has established a relatively complete risk control system; Whether the borrower's credit status, solvency and loan purpose have been fully evaluated; Whether to induce borrowers to borrow too much to exceed their solvency; Whether to conduct business beyond the approved business scope or business area; Whether there are related loans, split loans, fake loans, cash receipts and payments, off-balance-sheet interest calculation, off-balance-sheet operations, and (disguised) withdrawal of funds; Whether to issue loans to individuals or units suspected of illegal lending; Whether it involves illegal business activities such as "cash loan", "down payment loan" and "routine loan". 6. Collection of non-performing assets. Check whether the disposal of non-performing assets of small loan companies meets the relevant requirements of the Notice on Regulating the Collection of Non-performing Assets in the Financial Industry (Su Finance Office [2019] No.4); Whether to use violence, intimidation, insult, harassment and other illegal means to collect loans. 7. Business cooperation. Check the third-party cooperation of small loan companies, and whether they have invested in loans with institutions without lending business qualifications; Whether to provide funds for institutions that are not qualified for lending business to issue loans; Whether to outsource the core business (signing contracts, issuing loans, recovering loans, collecting loans, etc.). ); Whether to accept the credit enhancement or disguised credit enhancement services of third-party institutions without financing guarantee qualification; Whether the third party institution charges interest to the borrower. 8. involved in the case. Check whether the small loan company and its shareholders are involved in the case, and whether they have been investigated or examined for "eliminating evils", "mutual fund rectification" and illegal fund-raising. Investigate the legal proceedings of small loan companies, focusing on whether the case of small loan companies as defendants involves judicial proceedings outside the province; Understand how small loan companies solve business disputes and dispose of non-performing assets through judicial channels. (II) Classified disposal measures All localities should carry out specific classified disposal according to the requirements of the Notice of the Provincial Finance Office on Printing and Distributing the Detailed Rules for Supervision and Punishment of Rural Small Loan Companies in Jiangsu Province (Su Finance Office [2065438+02] No.58) and the Notice on Establishing the Market Exit Mechanism of Small Loan Companies in Jiangsu Province (Su Finance Office [2065438+04] No.36). There are illegal business practices, but they have not met the conditions for market withdrawal; The operating conditions continue to deteriorate, and the basic operating conditions are no longer available, but shareholders are willing to enrich their capital and improve their operating conditions. The local financial supervision bureaus of districts and cities shall order them to make rectification within a time limit. Those who pass the inspection after rectification shall retain their business qualifications and be allowed to continue their business after implementing the territorial supervision responsibility; Those who fail to pass the inspection after rectification shall be included in the exit category. (2) drop out of class. The operating conditions are seriously deteriorated, and shareholders are unwilling or unable to improve; Violation of laws and regulations to achieve market exit; The rectification and acceptance is unqualified. Report to the provincial local financial supervision bureau to terminate the business qualification, and promptly transfer the suspected crimes to judicial organs for disposal. All localities should urge small loan companies that have terminated their business qualifications to complete the market exit in time. After the business qualification is terminated, those who still operate related businesses in the name of the original small loan company should be investigated and severely cracked down in conjunction with relevant departments in accordance with the law to effectively safeguard the order of the local financial market. Second, guide legal and compliant operation (1) and adhere to the development orientation. Microfinance companies should focus on serving agriculture, rural areas, small and medium-sized enterprises, and scientific and technological innovation and development, adhere to the business principle of "small but scattered" and the business characteristics of "flexibility and convenience", strictly abide by the regulatory requirements of "three disciplines" and "eight attentions", further improve their main business, and better provide distinctive and differentiated financial services for agriculture, rural areas, small and medium-sized enterprises and scientific and technological innovation and development. (2) Reasonably determine the interest rate level. On the premise of complying with relevant national laws and regulations, small loan companies can negotiate with borrowers to reasonably determine the interest rate level, encourage small loan companies to implement differentiated interest rates according to the differences of target customers, and give priority to granting low-interest loans to high-quality customers. (3) Standardizing the establishment of branches. In principle, rural microfinance companies are limited to conducting business within the scope of districts and cities where they are registered. Eligible microfinance companies (the regulatory rating is AA or above, the registered capital meets the comprehensive requirements of the original place of registration and the place where the branch is established, and the place where the branch is established should have the conditions for establishing a new microfinance company) can set up branches across regions after being filed by the Municipal Financial Supervision Bureau where the original place of registration is located and approved by the Municipal Financial Supervision Bureau where the branch is to be established; Branches are supervised by the local regulatory authorities, and the regulatory authorities of the original place of registration assist in supervision. (4) standardize business practices. Small loan companies should conduct business in strict accordance with various regulatory requirements, fill in business data and information comprehensively and truthfully, and submit all kinds of risks and situations that may have a significant impact on the company's operation to the regulatory authorities in a timely manner; Shall not violate the relevant provisions of the Notice of the Provincial Finance Office on Printing and Distributing Opinions on Supporting the Superior and Limiting the Inferior of Rural Microfinance Companies in Jiangsu Province (Su Finance Office [2065 438] 103) for financing and conducting business; Do not carry out business beyond the approved business scope and business area; Classify customers in strict accordance with relevant standards, and do not increase the proportion of related businesses through false customer classification; Standardize the development of various innovative businesses, and do not make false or exaggerated publicity to induce customers; Do not accept entrusted loans from individuals or units without loan business qualifications (except for entrusted loans from shareholders' own legitimate funds, entrusted loans from government funds such as industrial development/guidance funds entrusted by government departments, and fund collection and transfer between independent legal persons within the group carried out by enterprise groups in the form of entrusted loans); Shall not contribute to the issuance of loans with institutions without loan business qualifications; It is not allowed to provide funds for institutions that are not qualified for lending business to issue loans; It is necessary to fully understand the solvency of loan customers and effectively prevent borrowers from lending excessively; It is strictly forbidden to charge interest fees, deposits, etc. From off-balance-sheet loan customers; Illegal business activities such as usury, cash loan, down payment loan and routine loan are strictly prohibited; The collection of non-performing assets should comply with laws and regulations, and it is strictly forbidden to collect loans by violence, intimidation, insult, harassment or other illegal means. Third, the implementation of territorial regulatory responsibilities (a) clear regulatory responsibilities. Each district, city, county (city, district) local financial supervision bureau (financial office) is specifically responsible for the supervision of small loan companies within its jurisdiction, reviewing the qualifications of shareholders and senior management personnel, reviewing the application matters transferred to the higher regulatory authorities for examination and approval (filing), reviewing (filing) the registered capital except bank loans, and examining and approving the changes and establishment of the company name, registered capital, shareholding structure, business premises, articles of association and senior management personnel. All localities should take authenticity and compliance inspection as the focus of supervision; Highlight the prevention of industry spillover risks and strengthen the daily supervision of small loan companies with external liabilities. County (city, district) local financial supervision bureau (financial office) according to the local actual situation, determine the division of supervision responsibilities of the local financial supervision bureau of each district and city. (2) Determine the supervisors. According to the Notice of the Provincial Finance Office on Printing and Distributing the Work Rules for Supervisors of Small Loan Companies in Jiangsu Province (for Trial Implementation) (Su Finance Office [2065438+03] No.74), all localities should rationally allocate the supervision power in combination with the development of small loan companies within their respective jurisdictions, and clarify the supervisors and specific supervisors of small loan companies in their own units. Each small loan company shall specify a chief supervisor and a deputy supervisor. Supervisors of small loan companies should be diligent and conscientious, conscientiously perform their supervisory duties in accordance with the working rules of supervisors, regularly carry out off-site inspections through the business supervision system, monitor and analyze the operating conditions of small loan companies within their jurisdiction, and carry out on-site inspections in a targeted manner. If the supervisors fail to supervise and inspect the supervised microfinance companies, fail to stop the violations, fail to report the major risks, or cause major risks or adverse social impacts to the supervised microfinance companies due to dereliction of duty, the relevant responsibilities shall be investigated according to law and discipline. (3) Deal with risks in time. All localities should increase the frequency of daily supervision and on-site inspection to prevent and resolve potential risks. All kinds of illegal acts and potential risks found in daily supervision and special risk investigation should be disposed of and resolved in time, and the relevant situation should be reported to the higher regulatory authorities. All localities should strengthen communication and docking with courts, procuratorates, public security and other units, understand the cases involving microfinance companies and their shareholders, and comprehensively judge and analyze whether the operation of microfinance companies is legal and compliant; Strengthen contact and cooperation with local market supervision, taxation and other departments, fully grasp the operating conditions of small loan companies within their jurisdiction, and cooperate with illegal institutions. (4) Improve the level of supervision. All localities should actively carry out professional training for supervisors and constantly improve their professional ability. Give play to the role of third-party professional organizations such as accounting firms, credit rating companies and credit investigation companies through business cooperation and service purchase, and continuously improve the level of industry supervision; Give full play to the role of industry associations, strengthen the construction of industry self-discipline mechanism, and actively assist in supervision. Constantly improve the supervision technology, actively use the monitoring, early warning and statistical analysis functions of the business supervision system to assist supervision, and improve the efficiency of industry supervision.