海南自貿(mào)港*新政策系列 ——

FTP Policy Focus Series

金融支持海南全面深化改革

Financial Support for Hainan’s

Comprehensive Deepening of 

Reform and Opening-up

今年以來，國(guó)家有關(guān)部門陸續(xù)頒布一系列政策，在金融、市場(chǎng)準(zhǔn)入、貿(mào)易自由化便利化以及跨境服務(wù)貿(mào)易等方面支持海南自由貿(mào)易港深化改革開放。近期我們將發(fā)布海南自貿(mào)港*新政策系列推文。今天為大家推送的是中國(guó)人民銀行、中國(guó)銀行保險(xiǎn)監(jiān)督管理委員會(huì)、中國(guó)證券監(jiān)督管理委員會(huì)、國(guó)家外匯管理局等四部門于4月9日聯(lián)合發(fā)布的《關(guān)于金融支持海南全面深化改革開放的意見》。

In recent months, a series of policies on supporting the deepening of reform and opening-up of Hainan Free Trade Port in finance, market access, trade liberalization and facilitation have been rolled out by different departments of the central government. To get our investors informed of these latest developments, we shall offer policy translation and interpretation through the FTP Policy Focus Series posts. Today we focus on the Opinions on Financial Support for Hainan’s Comprehensive Deepening of Reform and Opening-up issued by 4 departments.

 ↓↓具體內(nèi)容如下 ↓↓

中國(guó)人民銀行?中國(guó)銀行保險(xiǎn)監(jiān)督管理委員會(huì)?中國(guó)證券監(jiān)督管理委員會(huì) 國(guó)家外匯管理局關(guān)于金融支持海南全面深化改革開放的意見

銀發(fā)〔2021〕84號(hào)

海南省人民政府：

       為深入貫徹習(xí)近平總書記在慶祝海南建省辦經(jīng)濟(jì)特區(qū)30周年大會(huì)上的重要講話精神，落實(shí)《中共中央國(guó)務(wù)院關(guān)于支持海南全面深化改革開放的指導(dǎo)意見》和《海南自由貿(mào)易港建設(shè)總體方案》相關(guān)重要戰(zhàn)略部署，支持海南全面深化改革開放，推動(dòng)建立與海南自由貿(mào)易港相適應(yīng)的金融政策和制度框架，經(jīng)國(guó)務(wù)院同意，現(xiàn)提出如下意見。

Opinions on Financial Support for Hainan's Comprehensive Deepening of Reform and Opening-up

(Issued by the People's Bank of China, the China Banking Regulatory Commission, the China Securities Regulatory Commission, and the State Administration of Foreign Exchange)

People's Government of Hainan Province: 

To thoroughly deliver the thought of General Secretary Xi Jinping’s important speech at the celebration of the 30th anniversary of the establishment of the Hainan Province and Special Economic Zone, implement the "Guiding Opinions of the CPC Central Committee and the State Council on Supporting Hainan's Comprehensive Deepening of Reform and Opening-up" and the "Master Plan for the Construction of Hainan Free Trade Port" and related strategic arrangements, support Hainan’s comprehensive deepening of reform and opening up, and promote the establishment of a financial policy and institutional framework compatible with the free trade port, the following opinions are hereby provided with the consent of the State Council.

一、總體原則

I. General principles

(一)支持海南實(shí)體經(jīng)濟(jì)發(fā)展。堅(jiān)持深化金融供給側(cè)結(jié)構(gòu)性改革，創(chuàng)新金融政策、產(chǎn)品和工具，聚焦發(fā)展旅游業(yè)、現(xiàn)代服務(wù)業(yè)和高新技術(shù)產(chǎn)業(yè)，重點(diǎn)支持海洋產(chǎn)業(yè)、醫(yī)療健康、旅游會(huì)展、交通運(yùn)輸、現(xiàn)代農(nóng)業(yè)、服務(wù)外包等重點(diǎn)領(lǐng)域發(fā)展，推動(dòng)建立開放型生態(tài)型服務(wù)型產(chǎn)業(yè)體系，促進(jìn)服務(wù)業(yè)優(yōu)化升級(jí)，推動(dòng)經(jīng)濟(jì)高質(zhì)量發(fā)展。

(1) Support the development of Hainan's real economy. Persist in deepening the structural reform of supply side of the financial sector, innovate financial policies, products and tools, focus on the development of tourism, modern service and high-tech industries, and put emphasis on supporting the development of key areas such as marine industries, medical and health, tourism, exhibition, transportation, modern agriculture, service outsourcing, etc. Promote the establishment of an open and ecological service industry system, the optimization and upgrading of the service industry as well as high-quality economic development.

(二)服務(wù)海南自由貿(mào)易港建設(shè)。圍繞建設(shè)全面深化改革開放試驗(yàn)區(qū)、國(guó)家生態(tài)文明試驗(yàn)區(qū)、國(guó)際旅游消費(fèi)中心、國(guó)家重大戰(zhàn)略服務(wù)保障區(qū)的戰(zhàn)略定位，服務(wù)國(guó)內(nèi)其他地區(qū)與海南自由貿(mào)易港資金往來和跨境貿(mào)易投資自由化便利化，分階段、分步驟實(shí)施各項(xiàng)金融改革開放與創(chuàng)新舉措，推動(dòng)海南成為新時(shí)代全面深化改革開放的新標(biāo)桿。

(2) Serve the construction drive of Hainan Free Trade Port. Focus on the strategic positioning of building the pilot zone for furthering all-round reform and opening up , the national pilot zone for ecological conservation, the international tourism  and  consumption  destination, and the service zone for implementing China’s major strategies, serve capital exchanges between other regions of the country and the Hainan Free Trade Port as well as the liberalization and facilitation of cross-border trade and investment, implement various financial reform and opening and innovation measures in phases and steps to promote Hainan to become a new benchmark for all-round reform and opening up in the new era.

(三)以制度創(chuàng)新為核心深化金融改革開放。堅(jiān)持對(duì)標(biāo)國(guó)際的原則，深化金融改革開放。按照遠(yuǎn)近結(jié)合、循序漸進(jìn)、突出重點(diǎn)的工作思路，在跨境資金流動(dòng)自由便利、投融資匯兌便利化、金融業(yè)對(duì)外開放等方面先行先試，積極探索更加靈活的金融政策體系、監(jiān)管模式、管理體制。

(3) Deepen financial reform and opening up with institutional innovation as the core.  Adhere  to  the principle of aligning with  international  standards  to deepen  financial  reform and opening up. In accordance with the thought of combining long- and short-distance, taking solid steps, and highlighting key points, trials and attempts  in free and convenient cross-border capital flow, the facilitation of investment and financing exchanges, and the opening of the financial sector to the outside world are encouraged to actively explore more flexible financial policy systems, regulatory models and  management systems.

(四)加強(qiáng)金融風(fēng)險(xiǎn)防控體系建設(shè)。堅(jiān)持底線思維，穩(wěn)扎穩(wěn)打、步步為營(yíng)，完善與金融開放創(chuàng)新相適應(yīng)的跨境資金流動(dòng)風(fēng)險(xiǎn)防控體系，在確保有效監(jiān)管和風(fēng)險(xiǎn)可控的前提下，穩(wěn)妥有序推進(jìn)各項(xiàng)金融開放創(chuàng)新舉措，統(tǒng)籌安排好開放節(jié)奏和進(jìn)度，成熟一項(xiàng)推進(jìn)一項(xiàng)，牢牢守住不發(fā)生系統(tǒng)性金融風(fēng)險(xiǎn)的底線。

(4) Strengthen the construction of financial risk prevention and control system. Adhere to bottom-line thinking, work steadily and step by step, improve the cross-border capital flow risk prevention and control system that is compatible with financial opening-up and innovation, and under the premise of ensuring effective supervision and risk control, promote various financial opening and innovation measures in a steady and orderly manner, and coordinate arrangements and progress of opening up, take one step after another to introduce measures only when conditions are met, and firmly hold the bottom line of preventing systemic financial risks.

二、提升人民幣可兌換水平，支持跨境貿(mào)易投資自由化便利化

II. Improve the convertibility of the RMB and support the liberalization and facilitation of cross-border trade and investment

(五)進(jìn)一步推動(dòng)跨境貨物貿(mào)易、服務(wù)貿(mào)易以及新型國(guó)際貿(mào)易結(jié)算便利化。根據(jù)“了解客戶、了解業(yè)務(wù)、盡職審查”原則，審慎合規(guī)的海南自由貿(mào)易港銀行可試點(diǎn)憑支付指令為優(yōu)質(zhì)客戶辦理真實(shí)合規(guī)貨物貿(mào)易和服務(wù)貿(mào)易結(jié)算，實(shí)現(xiàn)銀行真實(shí)性審核從事前審查轉(zhuǎn)為事后核查。實(shí)施與跨境服務(wù)貿(mào)易配套的資金支付與轉(zhuǎn)移制度。支持海南自由貿(mào)易港試點(diǎn)銀行，在強(qiáng)化對(duì)客戶分級(jí)管理的基礎(chǔ)上，進(jìn)一步便利真實(shí)合規(guī)新型國(guó)際貿(mào)易的跨境結(jié)算。

(5) Further promote the facilitation of settlements for cross-border trade in goods, trade in service, and new type of international trade. In accordance with the principle of “knowing the customers, knowing the business, and performing due diligence in review”, trial projects could be run at prudential and compliant banks in Hainan Free Trade Port to handle settlements for high-quality customers with payment instructions for real compliant deals of trade in goods and trade in service, and bank authenticity review mode is altered from pre-settlement review to post-settlement check. Implement a fund payment and transfer system that is compatible with cross-border trade in service. Support pilot banks in Hainan Free Trade Port to further facilitate the cross-border settlement for real compliant new type of international trade on the basis of strengthening the hierarchical management of customers.

(六)探索適應(yīng)市場(chǎng)需求新形態(tài)的跨境投資外匯管理。在風(fēng)險(xiǎn)可控前提下，允許海南自由貿(mào)易港內(nèi)合格境外有限合伙人(QFLP)按照余額管理模式自由匯出、匯入資金，簡(jiǎn)化外匯登記手續(xù)。將海南自由貿(mào)易港納入合格境內(nèi)有限合伙人(QDLP)試點(diǎn)，給予海南自由貿(mào)易港QDLP試點(diǎn)基礎(chǔ)額度，每年可按一定規(guī)則向其增發(fā)QDLP額度。

(6) Explore foreign exchange management for cross-border investment that adapts to new forms of market demand. Under the premise of controllable risks, Qualified Foreign Limited Partners (QFLP) in the Hainan Free Trade Port are allowed to handle inbound and outbound fund remittance without control as long as the requirements for balance management are met, and streamline foreign exchange registration procedures. The Hainan Free Trade Port will be included in the Qualified Domestic Limited Partnership (QDLP) pilot program, and will be granted the QDLP pilot basic quota, while an additional quota could be granted each year according to specific rules.

(七)完善全口徑跨境融資宏觀審慎管理政策框架。可適當(dāng)提高海南自由貿(mào)易港內(nèi)注冊(cè)的非金融企業(yè)(不含房地產(chǎn)企業(yè)和地方政府融資平臺(tái))跨境融資上限，實(shí)現(xiàn)更高額度的跨境資金融入規(guī)模。

(7) Improve the policy framework for the macro-prudential management of full-scale cross-border financing. The upper limit of cross-border financing for non-financial enterprises (excluding real estate enterprises and local government financing platforms) registered in the Hainan Free Trade Port can be appropriately increased to achieve a higher scale of cross-border capital financing.

(八)探索開展跨境資產(chǎn)管理業(yè)務(wù)試點(diǎn)。支持境外投資者投資海南自由貿(mào)易港內(nèi)金融機(jī)構(gòu)發(fā)行的理財(cái)產(chǎn)品、證券期貨經(jīng)營(yíng)機(jī)構(gòu)私募資產(chǎn)管理產(chǎn)品、公募證券投資基金、保險(xiǎn)資產(chǎn)管理產(chǎn)品等資產(chǎn)管理產(chǎn)品。

(8) Explore the implementation of pilot projects for cross-border asset management business. Support foreign investors to invest in wealth management products issued by financial institutions in the Hainan Free Trade Port, private equity asset management products offered by securities and futures operating institutions, public securities investment funds, insurance asset management products and other asset management products.

 (九)探索放寬個(gè)人跨境交易政策。支持在海南自由貿(mào)易港內(nèi)就業(yè)的境外個(gè)人開展包括證券投資在內(nèi)的各類境內(nèi)投資。允許符合條件的非居民按實(shí)需原則在海南自由貿(mào)易港內(nèi)購(gòu)買房地產(chǎn)，對(duì)符合條件的非居民購(gòu)房給予匯兌便利。研究進(jìn)一步便利海南居民個(gè)人用匯。

(9) Explore the relaxation of policies for personal cross-border transactions. Support foreign individuals employed in the Hainan Free Trade Port to carry out various types of domestic investment including securities investment. Eligible non-residents are allowed to purchase real estate in Hainan Free Trade Port upon practical demand, and provide them with foreign exchange facilitation. Study the feasibility of further facilitating the personal use of foreign exchange by Hainan residents.

(十)在海南開展本外幣合一跨境資金池業(yè)務(wù)試點(diǎn)。支持符合條件的跨國(guó)企業(yè)集團(tuán)在境內(nèi)外成員之間集中開展本外幣資金余缺調(diào)劑和歸集業(yè)務(wù)，專戶內(nèi)資金按實(shí)需兌換，對(duì)跨境資金流動(dòng)實(shí)行雙向宏觀審慎管理。

(10) To carry out a pilot project of a cross-border capital pool business with the integration of domestic and foreign currencies in Hainan. Support qualified multinational enterprise groups to conduct centralized adjustment and pooling of domestic and foreign currency funds between domestic and foreign corporate members, to exchange funds in special accounts based on practical demand, and implement two-way macro-prudential management of cross-border capital flows.

(十一)支持符合資格的非銀行金融機(jī)構(gòu)開展結(jié)售匯業(yè)務(wù)試點(diǎn)。符合資格的非銀行金融機(jī)構(gòu)滿足一定條件后可參與到銀行間外匯市場(chǎng)，依法合規(guī)開展人民幣對(duì)外匯即期業(yè)務(wù)和相關(guān)衍生品交易。

(11) Support qualified non-bank financial institutions to carry out pilot projects for foreign exchange settlement and sales.  Qualified  non-bank financial institutions can participate in the inter-bank foreign exchange market upon meeting specific conditions, and conduct RMB-to-foreign exchange spot business and related derivatives transactions in accordance with laws and regulations.

三、完善海南金融市場(chǎng)體系

III. Improve Hainan's financial market system

(十二)支持海南銀行業(yè)發(fā)展。支持海南引進(jìn)全國(guó)性股份制商業(yè)銀行設(shè)立分行。研究海南農(nóng)村信用社改革，推動(dòng)其更好服務(wù)鄉(xiāng)村振興戰(zhàn)略實(shí)施。強(qiáng)化海洋產(chǎn)業(yè)、高新技術(shù)產(chǎn)業(yè)等領(lǐng)域的金融服務(wù)。支持海南引進(jìn)外資，參股地方性資產(chǎn)管理公司。

(12) Support the development of Hainan's banking industry. Support Hainan to introduce national joint-stock commercial banks to set up branches. Study the reform of Hainan Rural Credit Cooperatives, and promote the implementation of its strategy of better serving rural revitalization. Strengthen financial services in areas such as the marine industry and high-tech industries. Support Hainan to attract foreign investment and participate in shareholding of local asset management companies.

(十三)支持符合條件的海南企業(yè)首發(fā)上市，通過多層次股權(quán)市場(chǎng)發(fā)展壯大。繼續(xù)支持海南企業(yè)并購(gòu)重組，實(shí)現(xiàn)轉(zhuǎn)型升級(jí)。

(13) Support qualified Hainan enterprises to go public for the first time and grow through the multi-level equity market. Continue to support the mergers and acquisitions of Hainan enterprises to achieve transformation and upgrading.

(十四)支持海南企業(yè)發(fā)行債券融資。積極支持符合條件的海南企業(yè)在銀行間市場(chǎng)和交易所市場(chǎng)發(fā)行公司信用類債券，進(jìn)一步提高直接融資規(guī)模。支持市場(chǎng)主體擴(kuò)大在受托管理機(jī)構(gòu)、交易場(chǎng)所等方面的自主選擇空間。支持海南企業(yè)通過資產(chǎn)證券化盤活存量、拓寬資金來源。

(14) Support Hainan enterprises to issue bonds for financing. Actively support qualified Hainan enterprises to issue corporate credit bonds in the inter-bank market and the exchange market to further increase the scale of direct financing. Support market entities to expand their independent choice of trustee management institutions and trading venues. Support Hainan enterprises to revitalize their stocks and expand funding sources through asset securitization.

(十五)支持海南相關(guān)基金發(fā)展。支持公募基金落戶海南，支持符合條件的機(jī)構(gòu)在海南依法申請(qǐng)?jiān)O(shè)立合資公募基金管理公司，支持符合條件的境外金融機(jī)構(gòu)在海南全資擁有或控股參股期貨公司。對(duì)投向海南種業(yè)、現(xiàn)代農(nóng)業(yè)等重點(diǎn)領(lǐng)域的私募股權(quán)投資基金，給予登記備案綠色通道。

(15) Support the development of related funds in Hainan. Support public funds to settle in Hainan, support qualified institutions to apply for the establishment of joint venture public fund management companies in Hainan according to law, and support qualified overseas financial institutions to wholly own or hold shares in futures companies in Hainan. For private equity investment funds investing in key areas such as seed industry and modern agriculture, a green channel for registration and filing will be provided.

四、擴(kuò)大海南金融業(yè)對(duì)外開放

IV. Expanding the opening up of Hainan's financial industry

(十六)擴(kuò)大銀行業(yè)對(duì)外開放。鼓勵(lì)境外金融機(jī)構(gòu)落戶海南，支持設(shè)立中外合資銀行。支持海南的銀行引進(jìn)符合條件的境外戰(zhàn)略投資者，改善股權(quán)結(jié)構(gòu)，完善公司治理，進(jìn)一步提高海南的銀行業(yè)對(duì)外開放程度。

(16) Expand the opening up of the banking industry. Encourage overseas financial institutions to settle in Hainan and support the establishment of Sino-foreign joint venture banks. Support Hainan's banks to introduce qualified overseas strategic investors, improve the equity structure, improve corporate governance, and further increase the degree of openness of Hainan's banking industry to the outside world.

(十七) 擴(kuò)大保險(xiǎn)業(yè)對(duì)外開放。就海南與港澳地區(qū)保險(xiǎn)市場(chǎng)深度合作加強(qiáng)研究。借鑒國(guó)際經(jīng)驗(yàn)和通行做法，探索制定適合再保險(xiǎn)離岸業(yè)務(wù)的償付能力監(jiān)管政策。

(17) Expand the opening up of the insurance industry. Strengthen research on the in-depth cooperation between Hainan and Hong Kong and Macau in the insurance market. Learn from international experience and common practices, explore and formulate solvency regulatory policies suitable for offshore reinsurance business.

(十八)設(shè)立銀行業(yè)準(zhǔn)入事項(xiàng)快速通道，建立準(zhǔn)入事項(xiàng)限時(shí)辦結(jié)制度，提高審批效率。

(18) Set up a fast track for access-related matters in the banking industry, establish a time-limited settlement system for access matters, and improve the efficiency of examination and approval.

(十九)落實(shí)外商投資的國(guó)民待遇要求，支持符合條件的外資機(jī)構(gòu)在海南依法合規(guī)獲取支付業(yè)務(wù)許可證。

(19) Implement national treatment requirements for foreign investment, and support qualified foreign-funded institutions to obtain payment business licenses in Hainan in accordance with laws and regulations.

 (二十)允許已取得離岸銀行業(yè)務(wù)資格的中資商業(yè)銀行總行授權(quán)海南自由貿(mào)易港內(nèi)分行開展離岸銀行業(yè)務(wù)。

(20) Allow the head offices of Chinese-funded commercial banks that have obtained offshore banking qualifications to authorize branches in Hainan Free Trade Port to provide offshore banking services.

五、加強(qiáng)金融產(chǎn)品和服務(wù)創(chuàng)新

V. Strengthen financial product and service innovation

(二十一)鼓勵(lì)創(chuàng)新面向國(guó)際市場(chǎng)的人民幣金融產(chǎn)品及業(yè)務(wù)，擴(kuò)大境外人民幣投資海南金融產(chǎn)品的范圍。在依法合規(guī)前提下，允許海南市場(chǎng)主體在境外發(fā)行人民幣計(jì)價(jià)的債券等產(chǎn)品引入境外人民幣資金，重點(diǎn)支持高新技術(shù)、醫(yī)療健康、旅游會(huì)展、交通運(yùn)輸?shù)犬a(chǎn)業(yè)發(fā)展。

(21) Encourage the innovation of RMB financial products and businesses oriented for the international market, and expand the scope of overseas RMB investment in Hainan's financial products. Under the premise of compliance with laws and regulations, Hainan market entities are allowed to issue RMB-denominated bonds and other products abroad to introduce overseas RMB funds, focusing on supporting the development of high-tech, medical and health, tourism, exhibition, and transportation industries.

(二十二)穩(wěn)步擴(kuò)大跨境資產(chǎn)轉(zhuǎn)讓范圍。在宏觀審慎管理框架下，按照風(fēng)險(xiǎn)可控和規(guī)模可調(diào)節(jié)原則，在海南自由貿(mào)易港內(nèi)試點(diǎn)擴(kuò)大可跨境轉(zhuǎn)出的信貸資產(chǎn)范圍和參與機(jī)構(gòu)范圍。

(22) Steadily expand the scope of cross-border asset transfer. Under the framework of macro-prudential management, in accordance with the principles of controllable risks and adjustable scale, pilot projects in the Hainan Free Trade Port will be operated to expand the scope of credit assets that can be transferred out across borders and the scope of participating institutions.

(二十三)支持海南探索推進(jìn)農(nóng)墾國(guó)有農(nóng)用地使用權(quán)抵押擔(dān)保試點(diǎn)，推動(dòng)完善確權(quán)登記發(fā)證、抵押擔(dān)保登記、土地流轉(zhuǎn)平臺(tái)建設(shè)、抵押物價(jià)值評(píng)估等配套措施。

 (23) Support Hainan to explore and promote the pilot program of mortgage guarantee for the right to use state-owned agricultural land for land reclamation, and promote the improvement of registration and certification of confirmed rights, mortgage guarantee registration, land circulation platform construction, mortgage value evaluation and other supporting measures.

(二十四)創(chuàng)新發(fā)展保險(xiǎn)業(yè)務(wù)。支持符合條件的保險(xiǎn)機(jī)構(gòu)在海南設(shè)立保險(xiǎn)資產(chǎn)管理公司，并在賬戶獨(dú)立、風(fēng)險(xiǎn)隔離的前提下，向境外發(fā)行人民幣計(jì)價(jià)的資產(chǎn)管理產(chǎn)品。支持海南保險(xiǎn)機(jī)構(gòu)開展境外投資業(yè)務(wù)。鼓勵(lì)保險(xiǎn)機(jī)構(gòu)加強(qiáng)創(chuàng)新，圍繞環(huán)境、農(nóng)業(yè)、旅游、健康、養(yǎng)老等領(lǐng)域，研發(fā)適應(yīng)海南需求的特色保險(xiǎn)產(chǎn)品。

(24) Develop insurance business in innovative forms. Support qualified insurance institutions to set up insurance asset management companies in Hainan and issue RMB-denominated asset management products overseas under the premise of using separate accounts and withholding risks. Support Hainan insurance institutions to carry out overseas investment business. Encourage insurance institutions to strengthen innovation and develop special insurance products that meet the needs of Hainan in areas such as environment, agriculture, tourism, health, and aged care.

(二十五)發(fā)展綠色金融。鼓勵(lì)綠色金融創(chuàng)新業(yè)務(wù)在海南先行先試，支持國(guó)家生態(tài)文明試驗(yàn)區(qū)建設(shè)。加大對(duì)生態(tài)環(huán)境保護(hù)，特別是應(yīng)對(duì)氣候變化的投融資支持力度。

(25) Develop green finance. Encourage  pilot programs on innovative green finance businesses in Hainan, and support the construction of the national pilot zone for ecological conservation. Increase investment and financing support for ecological and environmental protection, especially the response to climate change.  

 (二十六)支持科技金融發(fā)展，推動(dòng)發(fā)展海洋科技。在依法合規(guī)、風(fēng)險(xiǎn)可控前提下，鼓勵(lì)海南法人銀行加強(qiáng)與創(chuàng)投機(jī)構(gòu)合作，探索科技金融新模式，支持海南加強(qiáng)深海科技創(chuàng)新。創(chuàng)新科技金融政策、產(chǎn)品和工具。

(26) Support the development of technology-oriented finance and promote the development of marine science and technology. Under the premise of compliance with laws and regulations and controllable risks, Hainan's legal person banks are encouraged to strengthen cooperation with venture capital institutions, explore new models of technology-oriented finance, and support Hainan to strengthen deep-sea technology innovation. Foster innovaton on technology-oriented financial policies, products and tools.

 (二十七)在依法合規(guī)、風(fēng)險(xiǎn)可控前提下加強(qiáng)金融科技創(chuàng)新應(yīng)用。支持海南自由貿(mào)易港在金融管理部門統(tǒng)籌下開展金融科技創(chuàng)新業(yè)務(wù)試點(diǎn)，穩(wěn)妥推進(jìn)科技與金融業(yè)務(wù)深度融合。

(27) Strengthen the innovative application of financial technology on law-based and risk-preventing basis. Support the Hainan Free Trade Port to carry out pilot programs on financial technology innovation businesses under the coordination of financial management authorities, and steadily promote the in-depth integration of technology and financial services.

六、提升金融服務(wù)水平

VI. Upgrade the level of financial services.

(二十八)支持在海南探索開展本外幣合一銀行賬戶體系試點(diǎn)。

(28) Support the exploration and development of a pilot bank account system combining domestic and foreign currency businesses in Hainan.

 (二十九)支持商業(yè)銀行、中國(guó)銀聯(lián)聯(lián)合產(chǎn)業(yè)各方推進(jìn)開展小微企業(yè)卡、鄉(xiāng)村振興卡等業(yè)務(wù)，聚焦金融服務(wù)小微企業(yè)、服務(wù)“三農(nóng)”產(chǎn)業(yè)的支付結(jié)算、融資增信、企業(yè)增值服務(wù)體系等環(huán)節(jié)，滿足小微企業(yè)和“三農(nóng)”產(chǎn)業(yè)互聯(lián)網(wǎng)化、移動(dòng)化支付結(jié)算需求。

(29) Support commercial banks, China UnionPay and all parties in the industry to promote the development of small and micro enterprise cards, rural revitalization cards and other businesses, focusing on financial services provided to small and micro enterprises, for the payment and settlement, financing and credit increase, and enterprise value-added service system related to "three rural issues"-related industries in order to meet the needs for internet and mobile payment and settlement from small and micro enterprises and "three rural issues"-related industries.

(三十)提升跨境移動(dòng)支付便利化水平。便利境外居民在海南使用移動(dòng)電子支付工具。支持境內(nèi)移動(dòng)支付機(jī)構(gòu)在境外開展業(yè)務(wù)，逐步擴(kuò)大其通過人民幣跨境支付系統(tǒng)(CIPS)境外參與機(jī)構(gòu)進(jìn)行跨境移動(dòng)支付的地區(qū)范圍。

(30) Improve the facilitation level of cross-border mobile payment. Facilitate the use of mobile electronic payment tools by overseas residents in Hainan. Support domestic mobile payment institutions to operate business overseas, and gradually expand their regional coverage of cross-border mobile payments through overseas participating institutions of the RMB Cross-Border Inter-bank Payment System (CIPS).

(三十一)持續(xù)推進(jìn)海南中小微企業(yè)信用體系建設(shè)，支持構(gòu)建小微企業(yè)綜合金融服務(wù)平臺(tái)，并與全國(guó)“信易貸”平臺(tái)互聯(lián)互通，做好中小微企業(yè)信用信息歸集與應(yīng)用，更高效地對(duì)接金融服務(wù)。深入推進(jìn)海南農(nóng)村信用體系建設(shè)，擴(kuò)展農(nóng)村地區(qū)信用信息覆蓋廣度，強(qiáng)化信用信息服務(wù)，有效對(duì)接普惠金融、鄉(xiāng)村振興戰(zhàn)略，支持實(shí)體經(jīng)濟(jì)和海南特色產(chǎn)業(yè)發(fā)展。支持海南引進(jìn)有市場(chǎng)影響力的信用評(píng)級(jí)機(jī)構(gòu)。建立健全信用信息共享機(jī)制，支持海南地方社會(huì)信用體系建設(shè)。

(31) Continue to promote the establishment of a credit system for small, medium and micro enterprises in Hainan, support the construction of a comprehensive financial service platform for small and micro enterprises, and interconnect with the national "Xinyidai"(CreditChina) platform, and do a good job in the collection and application of credit information of small and micro enterprises, and dock with financial services in a more efficient way. Further promote the building of Hainan's rural credit system, expand credit information coverage in rural areas, strengthen credit information services, effectively connect with inclusive finance and rural revitalization strategies, and support the development of the real economy and Hainan's special industries. Support Hainan to introduce credit rating agencies with market influence. Establish a sound credit information sharing mechanism to support the building of a local social credit system in Hainan.

(三十二)支持海南加快發(fā)展航運(yùn)金融、船舶融資租賃等現(xiàn)代服務(wù)業(yè)。

(32) Support Hainan to accelerate the development of modern service industries such as shipping finance and ship finance leasing.

(三十三)支持文化、體育、旅游業(yè)發(fā)展。強(qiáng)化文化、體育和旅游領(lǐng)域金融服務(wù)。建立文化、體育和旅游企業(yè)信用大數(shù)據(jù)平臺(tái)，破解文化、體育和旅游企業(yè)信用不充分、與金融機(jī)構(gòu)之間信息不對(duì)稱的融資瓶頸。推廣文化、體育和旅游產(chǎn)業(yè)專項(xiàng)債券，優(yōu)化文化、體育和旅游產(chǎn)業(yè)融資結(jié)構(gòu)，逐步降低融資成本。建設(shè)區(qū)域文化和旅游金融服務(wù)平臺(tái)，完善產(chǎn)業(yè)金融服務(wù)體系。針對(duì)郵輪游艇等海南國(guó)際旅游島特色產(chǎn)業(yè)，重點(diǎn)支持郵輪游艇產(chǎn)業(yè)集聚園區(qū)和相關(guān)公共服務(wù)配套設(shè)施建設(shè)。

(33) Support the development of culture, sports, and tourism. Strengthen financial services in the fields of culture, sports and tourism. Establish a big data credit information platform for cultural, sports, and tourism enterprises to solve the financing bottleneck caused by insufficient credit information of these enterprises and information asymmetry with financial institutions. Promote special bonds for the culture, sports and tourism industries, optimize the financing structure of these industries, and gradually reduce financing costs. Build a regional cultural and tourism financial service platform, and improve the industrial financial service system. Aiming at the special industries of the Hainan International Tourism Island such as cruise and yachting, emphasis shall be put on supporting the construction of industry cluster parks and related public service as well as supporting facilities for cruise and yachting.

(三十四)在房地產(chǎn)長(zhǎng)效機(jī)制框架下，支持海南在住房租賃領(lǐng)域發(fā)展房地產(chǎn)投資信托基金(REITs)，鼓勵(lì)銀行業(yè)金融機(jī)構(gòu)創(chuàng)新金融產(chǎn)品和服務(wù)，支持住房租賃市場(chǎng)規(guī)范發(fā)展。

(34) Under the framework of the long-term real estate mechanism, support Hainan in the development of real estate investment trusts (REITs) in the housing leasing sector, encourage financial institutions in the banking sector to innovate financial products and services, and support the standardized development of the housing leasing market.

七、加強(qiáng)金融監(jiān)管，防范化解金融風(fēng)險(xiǎn)

VII. Strengthen financial supervision to prevent and defuse financial risks

(三十五)構(gòu)建金融宏觀審慎管理體系，加強(qiáng)對(duì)重大風(fēng)險(xiǎn)的識(shí)別和對(duì)系統(tǒng)性金融風(fēng)險(xiǎn)的防范。依托資金流信息監(jiān)測(cè)管理系統(tǒng)，建立健全資金流動(dòng)監(jiān)測(cè)和風(fēng)險(xiǎn)防控體系。完善反洗錢、反恐怖融資和反逃稅制度體系和工作機(jī)制，研究建立洗錢風(fēng)險(xiǎn)評(píng)估機(jī)制，定期評(píng)估洗錢和恐怖融資風(fēng)險(xiǎn)。構(gòu)建適應(yīng)海南自由貿(mào)易港建設(shè)的金融監(jiān)管協(xié)調(diào)機(jī)制，有效履行屬地金融監(jiān)管職責(zé)，確保風(fēng)險(xiǎn)防控能力與金融改革創(chuàng)新相適應(yīng)。

(35) Build a financial macro-prudential management system to strengthen the identification of major risks and the prevention of systemic financial risks. Rely on the capital flow information monitoring and management system, establish and improve the sound capital flow monitoring and risk prevention and control system. Improve the anti-money laundering, anti-terrorist financing and anti-tax evasion systems and working mechanisms, study the establishment of a money laundering risk assessment mechanism, and regularly assess the risks of money laundering and terrorist financing. Establish a financial supervision and coordination mechanism suitable for the construction of Hainan Free Trade Port, effectively perform territorial financial supervision responsibilities, and ensure that risk prevention and control capabilities are compatible with financial reforms and innovations.

(三十六)支持海南設(shè)立金融與破產(chǎn)專業(yè)審判機(jī)構(gòu)，集中審理海南金融與破產(chǎn)案件，提升金融與破產(chǎn)案件專業(yè)化審理水平，為當(dāng)事人提供更加優(yōu)質(zhì)高效的司法保障。

(36) Support Hainan to build a professional financial and bankruptcy trial institution to focus on the trial of Hainan’s financial and bankruptcy cases, improve the level of professionalism in trials of financial and bankruptcy cases, and provide parties involved with more high-quality and efficient judicial guarantee.

(三十七)加強(qiáng)金融消費(fèi)者權(quán)益保護(hù)。支持海南銀行、證券、保險(xiǎn)領(lǐng)域消費(fèi)糾紛調(diào)解組織充分發(fā)揮作用，建立公正、高效、便民的金融糾紛非訴第三方解決機(jī)制。加強(qiáng)與當(dāng)?shù)厝嗣穹ㄔ汉退痉ㄐ姓块T的溝通合作，落實(shí)銀行、證券、保險(xiǎn)領(lǐng)域矛盾糾紛訴調(diào)對(duì)接機(jī)制，發(fā)揮金融行業(yè)調(diào)解組織專業(yè)化優(yōu)勢(shì)，探索建立金融行業(yè)糾紛調(diào)解協(xié)議司法確認(rèn)制度。開展集中性金融知識(shí)普及活動(dòng),在海南建立金融知識(shí)普及教育示范基地。進(jìn)一步發(fā)揮證券期貨投資者教育基地作用。

(37) Strengthen the protection of the rights and interests of consumers of financial services. Support Hainan's consumer dispute mediation organizations in the banking, securities, and insurance sectors to give full play to their role and establish a fair, efficient, and convenient non-litigation third-party settlement mechanism for financial disputes. Strengthen communication and cooperation with local people’s courts and judicial administrative departments, implement a mechanism for reconciliation of conflicts and disputes in the banking, securities, and insurance fields, give full play to the professional advantages of mediation organizations in the financial industry, and explore the establishment of a judicial confirmation system for financial industry dispute mediation agreements. Carry out popularization activities of financial knowledge on a centralized basis, and establish a education demonstration base for financial knowledge popularization in Hainan. Give further play to the role of the education base for securities and futures investors.

中國(guó)人民銀行

中國(guó)銀行保險(xiǎn)監(jiān)督管理委員會(huì)

中國(guó)證券監(jiān)督管理委員會(huì)

國(guó)家外匯管理局

2021年3月30日

People's Bank of China

China Banking Regulatory Commission

China Securities Regulatory Commission

State Administration of Foreign Exchange

March 30, 2021

來源：海南國(guó)際經(jīng)濟(jì)發(fā)展局