8月19日(ri)，重慶(qing)市人民政府辦公廳關于印發《重慶(qing)市做好金(jin)融“五篇大文(wen)章”實施方案》的通知(zhi)。

通知要求，做好(hao)金融“五篇(pian)大文章(zhang)”，到(dao)2027年(nian)力爭(zheng)全市科(ke)技貸款(kuan)余額達到(dao)1萬(wan)億元左右，綠色(se)貸款(kuan)余額突破(po)1.2萬(wan)億元。

為美(mei)麗重(zhong)慶建設提供高質量金(jin)融(rong)(rong)供給。深化(hua)重(zhong)慶市(shi)綠(lv)色金(jin)融(rong)(rong)改革(ge)創新(xin)試(shi)驗區建設，加大對綠(lv)色制造、綠(lv)色能(neng)源等(deng)綠(lv)色項目(mu)的培(pei)育力度。用(yong)好(hao)(hao)碳減排支(zhi)持(chi)工具等(deng)貨幣政策工具，強化(hua)節能(neng)降碳、資(zi)源循環(huan)(huan)利(li)用(yong)等(deng)重(zhong)點(dian)領域信貸支(zhi)持(chi)。做(zuo)好(hao)(hao)農業(ye)轉(zhuan)型金(jin)融(rong)(rong)標準試(shi)用(yong)工作(zuo)，創新(xin)碳掛鉤(gou)金(jin)融(rong)(rong)產品，加大金(jin)融(rong)(rong)對能(neng)源、化(hua)工、鋼鐵、建材(cai)和(he)有色等(deng)領域低碳轉(zhuan)型的支(zhi)持(chi)力度。加力推動碳金(jin)融(rong)(rong)市(shi)場發展(zhan)，優化(hua)綠(lv)色金(jin)融(rong)(rong)和(he)轉(zhuan)型金(jin)融(rong)(rong)產品服務，持(chi)續(xu)開展(zhan)金(jin)融(rong)(rong)機構環(huan)(huan)境(jing)信息披露工作(zuo)。迭代升(sheng)級央(yang)地多跨協同創新(xin)的“長江綠(lv)融(rong)(rong)通(tong)”系(xi)統，優化(hua)完(wan)善企業(ye)碳賬戶系(xi)統。用(yong)好(hao)(hao)用(yong)活黨建統領“885”生態報表工作(zuo)評價體系(xi)，強化(hua)綠(lv)色金(jin)融(rong)(rong)與轉(zhuan)型金(jin)融(rong)(rong)改革(ge)激(ji)勵(li)約束。

原文見(jian)下：

重慶市人民政府辦公廳關于印發《重慶市做好金融“五篇大文章”實施方案》的通知

渝府辦發〔2025〕45號

各(ge)(ge)區縣（自(zi)治縣）人民政府，市政府各(ge)(ge)部門，有關單(dan)位：

《重慶市(shi)做(zuo)好金融“五(wu)篇大文章”實施方案》已經(jing)市(shi)政府同意，現印(yin)發給你們，請認(ren)真貫徹執行。

重慶市人民(min)政府辦(ban)公廳

2025年8月12日

（此件公開(kai)發布）

重慶市做好金融“五篇大文章”實施方案

根據(ju)國(guo)務(wu)院辦(ban)公廳《關于做好(hao)金融(rong)“五(wu)篇大(da)文章”的指(zhi)導意(yi)見》（國(guo)辦(ban)發〔2025〕8號）要求，結合重慶市實際，制定本實施(shi)方案。

一、總體目標

以習近(jin)平新時代(dai)中(zhong)國特色社會(hui)(hui)主義(yi)思想為指導，認真(zhen)落實(shi)黨的二十(shi)大和(he)(he)二十(shi)屆二中(zhong)、三中(zhong)全(quan)會(hui)(hui)精神(shen)，深入(ru)貫徹習近(jin)平總書(shu)記視(shi)察重慶重要(yao)講話重要(yao)指示精神(shen)，聚(ju)焦做實(shi)“兩大定位”，堅持金(jin)(jin)融服務實(shi)體經(jing)濟(ji)的根本宗旨，做好金(jin)(jin)融“五篇大文章”。到(dao)2027年，力(li)爭全(quan)市科(ke)技貸(dai)(dai)(dai)款(kuan)余額(e)達(da)到(dao)1萬(wan)億(yi)元左(zuo)右；綠色貸(dai)(dai)(dai)款(kuan)余額(e)突破(po)(po)1.2萬(wan)億(yi)元；普惠小微貸(dai)(dai)(dai)款(kuan)余額(e)突破(po)(po)7000億(yi)元；養老產業貸(dai)(dai)(dai)款(kuan)增速保(bao)持在10%以上，金(jin)(jin)融支持養老產業發展(zhan)力(li)度顯(xian)著(zhu)提(ti)升，養老金(jin)(jin)融體系更加健全(quan)，產品和(he)(he)服務供給更加充分；數(shu)字經(jing)濟(ji)產業貸(dai)(dai)(dai)款(kuan)規模達(da)到(dao)1700億(yi)元左(zuo)右，金(jin)(jin)融支持數(shu)字經(jing)濟(ji)發展(zhan)取(qu)得積極成效，金(jin)(jin)融數(shu)字化(hua)轉型(xing)應用(yong)進一步豐富。

二、加大金融“五篇大文章”重點領域支持力度

（一(yi)）為(wei)建(jian)設具有全國(guo)影響力的(de)科(ke)(ke)(ke)技(ji)(ji)(ji)創(chuang)(chuang)新(xin)中(zhong)心強(qiang)化金融(rong)支(zhi)(zhi)持(chi)。爭取(qu)國(guo)家層面出(chu)臺支(zhi)(zhi)持(chi)重(zhong)慶深化科(ke)(ke)(ke)技(ji)(ji)(ji)金融(rong)改(gai)革(ge)專項(xiang)(xiang)文件，開展好科(ke)(ke)(ke)技(ji)(ji)(ji)企(qi)(qi)業(ye)并(bing)購(gou)貸款和(he)(he)金融(rong)資(zi)(zi)(zi)產投資(zi)(zi)(zi)公(gong)司參與股(gu)權(quan)投資(zi)(zi)(zi)兩項(xiang)(xiang)試點。實施(shi)(shi)科(ke)(ke)(ke)技(ji)(ji)(ji)金融(rong)“長江領(ling)航計劃(hua)”，聚焦“33618”現代制造業(ye)集群體系和(he)(he)“416”科(ke)(ke)(ke)技(ji)(ji)(ji)創(chuang)(chuang)新(xin)布局，統籌運用(yong)(yong)股(gu)權(quan)、債權(quan)、保險等手段，為(wei)科(ke)(ke)(ke)技(ji)(ji)(ji)型(xing)企(qi)(qi)業(ye)提供(gong)全鏈條(tiao)、全生命周期金融(rong)服(fu)務。推動(dong)建(jian)設科(ke)(ke)(ke)技(ji)(ji)(ji)創(chuang)(chuang)投項(xiang)(xiang)目庫和(he)(he)產業(ye)鏈資(zi)(zi)(zi)金圖譜，提升金融(rong)支(zhi)(zhi)持(chi)精準性，加強(qiang)對國(guo)家重(zhong)大(da)科(ke)(ke)(ke)技(ji)(ji)(ji)任務和(he)(he)科(ke)(ke)(ke)技(ji)(ji)(ji)型(xing)中(zhong)小企(qi)(qi)業(ye)的(de)金融(rong)支(zhi)(zhi)持(chi)。加強(qiang)科(ke)(ke)(ke)技(ji)(ji)(ji)創(chuang)(chuang)新(xin)領(ling)域債券項(xiang)(xiang)目儲(chu)備(bei)和(he)(he)融(rong)資(zi)(zi)(zi)輔導工(gong)作，用(yong)(yong)好債券市(shi)(shi)(shi)場“科(ke)(ke)(ke)技(ji)(ji)(ji)板”，擴(kuo)大(da)債券市(shi)(shi)(shi)場融(rong)資(zi)(zi)(zi)規模(mo)。加強(qiang)科(ke)(ke)(ke)技(ji)(ji)(ji)型(xing)企(qi)(qi)業(ye)上市(shi)(shi)(shi)后備(bei)資(zi)(zi)(zi)源培育，構建(jian)科(ke)(ke)(ke)技(ji)(ji)(ji)企(qi)(qi)業(ye)“選(xuan)種(zhong)、育苗、成長、升高、壯大(da)”全周期培育鏈條(tiao)，大(da)力實施(shi)(shi)企(qi)(qi)業(ye)上市(shi)(shi)(shi)“千里馬(ma)”專項(xiang)(xiang)行(xing)(xing)動(dong)，助推企(qi)(qi)業(ye)升規上市(shi)(shi)(shi)。（責任單(dan)位：人行(xing)(xing)重(zhong)慶市(shi)(shi)(shi)分行(xing)(xing)、市(shi)(shi)(shi)委金融(rong)辦、重(zhong)慶金融(rong)監管局、重(zhong)慶證(zheng)監局、市(shi)(shi)(shi)科(ke)(ke)(ke)技(ji)(ji)(ji)局、市(shi)(shi)(shi)經(jing)濟信息委）

（二）為美(mei)麗重(zhong)(zhong)(zhong)慶(qing)建(jian)設(she)提供高(gao)質量金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)供給。深化(hua)(hua)重(zhong)(zhong)(zhong)慶(qing)市(shi)綠色(se)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)改革創新(xin)試驗區(qu)建(jian)設(she)，加大(da)(da)對綠色(se)制造、綠色(se)能(neng)源(yuan)(yuan)等(deng)綠色(se)項目的(de)(de)培(pei)育力(li)(li)度。用(yong)(yong)(yong)好碳(tan)減排支持(chi)工(gong)具(ju)等(deng)貨幣政策工(gong)具(ju)，強化(hua)(hua)節(jie)能(neng)降碳(tan)、資源(yuan)(yuan)循環(huan)利(li)用(yong)(yong)(yong)等(deng)重(zhong)(zhong)(zhong)點領(ling)(ling)(ling)域信貸(dai)支持(chi)。做好農業轉型(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)標準試用(yong)(yong)(yong)工(gong)作(zuo)，創新(xin)碳(tan)掛鉤金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)產品(pin)，加大(da)(da)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)對能(neng)源(yuan)(yuan)、化(hua)(hua)工(gong)、鋼鐵、建(jian)材和(he)有色(se)等(deng)領(ling)(ling)(ling)域低碳(tan)轉型(xing)的(de)(de)支持(chi)力(li)(li)度。加力(li)(li)推動碳(tan)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)市(shi)場(chang)發(fa)展，優化(hua)(hua)綠色(se)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)和(he)轉型(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)產品(pin)服務(wu)，持(chi)續開展金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)機構(gou)環(huan)境信息披露工(gong)作(zuo)。迭代升級(ji)央地(di)多跨協(xie)同創新(xin)的(de)(de)“長江綠融(rong)(rong)(rong)通”系統，優化(hua)(hua)完善企(qi)業碳(tan)賬戶系統。用(yong)(yong)(yong)好用(yong)(yong)(yong)活黨建(jian)統領(ling)(ling)(ling)“885”生態報表(biao)工(gong)作(zuo)評價體系，強化(hua)(hua)綠色(se)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)與轉型(xing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)改革激(ji)勵(li)約束(shu)。（責任單位：人(ren)行重(zhong)(zhong)(zhong)慶(qing)市(shi)分行、市(shi)委金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)辦(ban)、重(zhong)(zhong)(zhong)慶(qing)金(jin)(jin)(jin)(jin)融(rong)(rong)(rong)監(jian)管(guan)局(ju)、重(zhong)(zhong)(zhong)慶(qing)證(zheng)監(jian)局(ju)、市(shi)生態環(huan)境局(ju)、市(shi)經(jing)濟信息委）

（三）為拓寬(kuan)金(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)深(shen)度和(he)廣度優化(hua)普(pu)惠(hui)金(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)體系。深(shen)化(hua)“1協同3窗口3平臺”縣域(yu)貨幣信(xin)貸(dai)(dai)和(he)金(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)傳導(dao)機制建(jian)設，持(chi)(chi)(chi)續(xu)(xu)深(shen)化(hua)中小(xiao)(xiao)企(qi)(qi)(qi)業(ye)(ye)成長多元融(rong)(rong)(rong)(rong)資(zi)(zi)機制改革，用好支持(chi)(chi)(chi)小(xiao)(xiao)微企(qi)(qi)(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)協調(diao)工(gong)作(zuo)(zuo)機制。深(shen)入(ru)開展中小(xiao)(xiao)微企(qi)(qi)(qi)業(ye)(ye)金(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)能(neng)力提(ti)升(sheng)(sheng)工(gong)程，加強敢貸(dai)(dai)愿貸(dai)(dai)能(neng)貸(dai)(dai)會貸(dai)(dai)長效機制建(jian)設，組織開展中小(xiao)(xiao)微企(qi)(qi)(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)服(fu)(fu)務(wu)行(xing)(xing)動(dong)，持(chi)(chi)(chi)續(xu)(xu)推(tui)進(jin)“流水貸(dai)(dai)”“信(xin)易(yi)貸(dai)(dai)”工(gong)作(zuo)(zuo)和(he)“一(yi)鏈一(yi)策一(yi)批”中小(xiao)(xiao)微企(qi)(qi)(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)促進(jin)行(xing)(xing)動(dong)。完(wan)善民(min)營企(qi)(qi)(qi)業(ye)(ye)融(rong)(rong)(rong)(rong)資(zi)(zi)支持(chi)(chi)(chi)政策，發揮好“金(jin)融(rong)(rong)(rong)(rong)網(wang)格員”作(zuo)(zuo)用，深(shen)入(ru)開展“四(si)(si)訪(fang)、四(si)(si)進(jin)、四(si)(si)提(ti)升(sheng)(sheng)”行(xing)(xing)動(dong)、“千人(ren)進(jin)萬企(qi)(qi)(qi)”金(jin)融(rong)(rong)(rong)(rong)服(fu)(fu)務(wu)顧(gu)問行(xing)(xing)動(dong)。創新支持(chi)(chi)(chi)糧食安全、種業(ye)(ye)振(zhen)興等(deng)(deng)重(zhong)(zhong)(zhong)(zhong)點領域(yu)信(xin)貸(dai)(dai)服(fu)(fu)務(wu)模式，加大(da)對(dui)高(gao)標準農田建(jian)設、重(zhong)(zhong)(zhong)(zhong)要農產品穩(wen)產保供等(deng)(deng)重(zhong)(zhong)(zhong)(zhong)點領域(yu)金(jin)融(rong)(rong)(rong)(rong)支持(chi)(chi)(chi)的力度。“一(yi)縣一(yi)策”支持(chi)(chi)(chi)鄉村振(zhen)興重(zhong)(zhong)(zhong)(zhong)點幫扶縣，鞏固拓展脫貧(pin)攻堅成果。加大(da)對(dui)殘疾(ji)人(ren)、退役軍人(ren)、新市(shi)(shi)民(min)、高(gao)校家庭經濟困(kun)難(nan)學(xue)生等(deng)(deng)群體就業(ye)(ye)就學(xue)的金(jin)融(rong)(rong)(rong)(rong)支持(chi)(chi)(chi)力度。（責任(ren)單位：人(ren)行(xing)(xing)重(zhong)(zhong)(zhong)(zhong)慶市(shi)(shi)分行(xing)(xing)、市(shi)(shi)委(wei)(wei)金(jin)融(rong)(rong)(rong)(rong)辦、重(zhong)(zhong)(zhong)(zhong)慶金(jin)融(rong)(rong)(rong)(rong)監(jian)管局(ju)、重(zhong)(zhong)(zhong)(zhong)慶證(zheng)監(jian)局(ju)、市(shi)(shi)發展改革委(wei)(wei)、市(shi)(shi)經濟信(xin)息(xi)委(wei)(wei)）

（四）為(wei)高質量養(yang)(yang)老(lao)(lao)服務(wu)建(jian)(jian)設優化金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)支持(chi)。支持(chi)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(gou)將養(yang)(yang)老(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)作為(wei)加(jia)快(kuai)戰略轉型(xing)的(de)(de)重(zhong)要舉措，進一步加(jia)強對老(lao)(lao)年(nian)助(zhu)(zhu)(zhu)餐、居家助(zhu)(zhu)(zhu)老(lao)(lao)、社區養(yang)(yang)老(lao)(lao)、機(ji)(ji)構(gou)養(yang)(yang)老(lao)(lao)、適老(lao)(lao)化產品、健康(kang)養(yang)(yang)老(lao)(lao)科技、康(kang)復輔助(zhu)(zhu)(zhu)器(qi)具等銀發(fa)經濟產業的(de)(de)支持(chi)。鼓勵(li)(li)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(gou)積極探索養(yang)(yang)老(lao)(lao)、度假、避暑(shu)、文旅(lv)相融(rong)(rong)合的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)支持(chi)模(mo)式(shi)。鼓勵(li)(li)符合條件的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)機(ji)(ji)構(gou)針對不同客戶的(de)(de)風險收益特征(zheng)，穩步發(fa)展(zhan)具有(you)養(yang)(yang)老(lao)(lao)屬性的(de)(de)儲蓄、理財、保(bao)險、基金(jin)(jin)(jin)(jin)(jin)(jin)(jin)等產品，為(wei)建(jian)(jian)立企業年(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)或職業年(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)的(de)(de)單(dan)位及其職工，以及個(ge)人養(yang)(yang)老(lao)(lao)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)參加(jia)人提供更加(jia)便捷(jie)的(de)(de)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)服務(wu)。加(jia)快(kuai)發(fa)展(zhan)長期護理保(bao)險，更好發(fa)揮商業保(bao)險在多層(ceng)次長期護理保(bao)障(zhang)體系中的(de)(de)作用。大力發(fa)展(zhan)商業保(bao)險年(nian)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)，探索與健康(kang)、養(yang)(yang)老(lao)(lao)照護等服務(wu)有(you)效銜接。加(jia)強金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)知識宣傳教育，加(jia)大對涉老(lao)(lao)非法(fa)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)活動(dong)防范(fan)和打擊的(de)(de)力度，保(bao)障(zhang)老(lao)(lao)年(nian)人合法(fa)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)權益。（責任單(dan)位：人行(xing)重(zhong)慶(qing)市分行(xing)、市委金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)辦、重(zhong)慶(qing)金(jin)(jin)(jin)(jin)(jin)(jin)(jin)融(rong)(rong)監(jian)管局、重(zhong)慶(qing)證(zheng)監(jian)局、市民政局）

（五）為數(shu)(shu)(shu)字(zi)(zi)(zi)經(jing)濟(ji)高(gao)質量發展夯實數(shu)(shu)(shu)字(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)底座。持(chi)續迭代“長江(jiang)渝(yu)融(rong)通(tong)”“渝(yu)金(jin)(jin)(jin)(jin)通(tong)”“金(jin)(jin)(jin)(jin)渝(yu)網”“渝(yu)企金(jin)(jin)(jin)(jin)服”等(deng)數(shu)(shu)(shu)字(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)系統，加快推進金(jin)(jin)(jin)(jin)融(rong)機構數(shu)(shu)(shu)字(zi)(zi)(zi)化(hua)轉型，對接(jie)數(shu)(shu)(shu)字(zi)(zi)(zi)重慶(qing)建設，創新更多數(shu)(shu)(shu)字(zi)(zi)(zi)金(jin)(jin)(jin)(jin)融(rong)應(ying)用場景(jing)，大力拓展數(shu)(shu)(shu)字(zi)(zi)(zi)獲客、數(shu)(shu)(shu)字(zi)(zi)(zi)增信(xin)、數(shu)(shu)(shu)字(zi)(zi)(zi)支(zhi)付、數(shu)(shu)(shu)字(zi)(zi)(zi)投顧、數(shu)(shu)(shu)字(zi)(zi)(zi)風控等(deng)數(shu)(shu)(shu)字(zi)(zi)(zi)化(hua)經(jing)營(ying)新模式。加強對“未來工廠(chang)”、智(zhi)能工廠(chang)、工業(ye)互聯網等(deng)項目的融(rong)資支(zhi)持(chi)。構建應(ying)用便利、安(an)全高(gao)效的數(shu)(shu)(shu)字(zi)(zi)(zi)支(zhi)付服務體系，穩(wen)妥推進數(shu)(shu)(shu)字(zi)(zi)(zi)人民幣試(shi)點工作(zuo)。采用實質性(xing)和適配性(xing)原則(ze)，確保監(jian)管緊跟數(shu)(shu)(shu)字(zi)(zi)(zi)化(hua)發展趨勢(shi)，提高(gao)數(shu)(shu)(shu)字(zi)(zi)(zi)化(hua)監(jian)管能力和金(jin)(jin)(jin)(jin)融(rong)消費者(zhe)保護能力。（責任單位：人行(xing)重慶(qing)市(shi)分行(xing)、市(shi)委(wei)金(jin)(jin)(jin)(jin)融(rong)辦、重慶(qing)金(jin)(jin)(jin)(jin)融(rong)監(jian)管局(ju)、重慶(qing)證監(jian)局(ju)、市(shi)經(jing)濟(ji)信(xin)息委(wei)）

三、強化金融服務能力建設

（六）立足(zu)職能(neng)定位加大支(zhi)持力度。發(fa)揮開發(fa)性、政策性金(jin)(jin)融(rong)(rong)優勢，加大對國家(jia)科技重(zhong)(zhong)(zhong)大項(xiang)目和(he)關鍵核心技術攻(gong)關的金(jin)(jin)融(rong)(rong)支(zhi)持力度。國有商業銀行(xing)、各(ge)中小銀行(xing)要(yao)立足(zu)自身定位，提(ti)供差異化、專業化金(jin)(jin)融(rong)(rong)服務。保險(xian)機構加強對金(jin)(jin)融(rong)(rong)“五(wu)篇大文(wen)章”重(zhong)(zhong)(zhong)點領域的保險(xian)保障和(he)投融(rong)(rong)資(zi)支(zhi)持，證(zheng)券、期貨、基金(jin)(jin)、私募股權投資(zi)、金(jin)(jin)融(rong)(rong)資(zi)產(chan)投資(zi)公司等機構要(yao)進一步(bu)為經濟高質量發(fa)展拓展多元化融(rong)(rong)資(zi)渠道。（責任單位：人行(xing)重(zhong)(zhong)(zhong)慶(qing)市(shi)(shi)分行(xing)、市(shi)(shi)委金(jin)(jin)融(rong)(rong)辦、重(zhong)(zhong)(zhong)慶(qing)金(jin)(jin)融(rong)(rong)監管局、重(zhong)(zhong)(zhong)慶(qing)證(zheng)監局）

（七(qi)）強(qiang)化金(jin)(jin)融(rong)機(ji)(ji)構內(nei)部機(ji)(ji)制建設。以做好(hao)金(jin)(jin)融(rong)“五篇大文(wen)章”引領金(jin)(jin)融(rong)機(ji)(ji)構戰略轉型，優化管(guan)理(li)機(ji)(ji)制，完善(shan)盡職(zhi)免責制度(du)，針對科(ke)技金(jin)(jin)融(rong)、綠色金(jin)(jin)融(rong)、普(pu)惠金(jin)(jin)融(rong)、養(yang)老金(jin)(jin)融(rong)等(deng)領域業(ye)務特(te)點優化業(ye)務流程和組織體系(xi)，強(qiang)化激勵(li)約束機(ji)(ji)制建設。（責任單位：人行(xing)重(zhong)慶市(shi)分(fen)行(xing)、市(shi)委金(jin)(jin)融(rong)辦、重(zhong)慶金(jin)(jin)融(rong)監管(guan)局、重(zhong)慶證監局）

（八）加(jia)強(qiang)產(chan)品(pin)(pin)和(he)服(fu)務(wu)創(chuang)(chuang)(chuang)新。規范(fan)發展(zhan)(zhan)(zhan)投貸(dai)(dai)(dai)聯動(dong)等(deng)(deng)業務(wu)模(mo)式，全面(mian)推(tui)(tui)廣(guang)“創(chuang)(chuang)(chuang)新積(ji)分貸(dai)(dai)(dai)”“掛鉤貸(dai)(dai)(dai)”等(deng)(deng)更加(jia)靈活的利(li)率定價(jia)和(he)利(li)息償付方式，豐(feng)富科技保險(xian)(xian)產(chan)品(pin)(pin)。穩(wen)妥開展(zhan)(zhan)(zhan)碳(tan)排(pai)放權(quan)、排(pai)污權(quan)等(deng)(deng)環(huan)境(jing)權(quan)益抵（質(zhi)）押融(rong)資(zi)，積(ji)極探索開展(zhan)(zhan)(zhan)綠色供(gong)應(ying)鏈(lian)融(rong)資(zi)，鼓勵(li)保險(xian)(xian)公司創(chuang)(chuang)(chuang)新綠色保險(xian)(xian)產(chan)品(pin)(pin)，開展(zhan)(zhan)(zhan)綠色期貨品(pin)(pin)種的宣(xuan)傳推(tui)(tui)介(jie)。推(tui)(tui)廣(guang)存貨、應(ying)收賬款(kuan)、知識產(chan)權(quan)等(deng)(deng)動(dong)產(chan)和(he)權(quan)利(li)質(zhi)押融(rong)資(zi)業務(wu)，增加(jia)小(xiao)微企業首(shou)貸(dai)(dai)(dai)、信用貸(dai)(dai)(dai)，推(tui)(tui)廣(guang)主動(dong)授信、隨(sui)(sui)借隨(sui)(sui)還貸(dai)(dai)(dai)款(kuan)模(mo)式，規范(fan)發展(zhan)(zhan)(zhan)供(gong)應(ying)鏈(lian)金(jin)融(rong)業務(wu)。探索拓(tuo)寬涉農(nong)貸(dai)(dai)(dai)款(kuan)抵（質(zhi)）押資(zi)產(chan)范(fan)圍，支持發展(zhan)(zhan)(zhan)特色農(nong)產(chan)品(pin)(pin)保險(xian)(xian)。創(chuang)(chuang)(chuang)新“銀(yin)發貸(dai)(dai)(dai)”等(deng)(deng)專(zhuan)屬信貸(dai)(dai)(dai)產(chan)品(pin)(pin)。（責任單位：人行重(zhong)慶(qing)市(shi)分行、市(shi)委金(jin)融(rong)辦、重(zhong)慶(qing)金(jin)融(rong)監(jian)管局、重(zhong)慶(qing)證(zheng)監(jian)局）

四、構建多元化融資機制

（九）發揮債(zhai)券(quan)(quan)(quan)市場(chang)支持(chi)作(zuo)用。依(yi)法(fa)依(yi)規鼓勵(li)和支持(chi)更多符合條件的主體發行(xing)科(ke)技創(chuang)新債(zhai)券(quan)(quan)(quan)、綠色債(zhai)券(quan)(quan)(quan)等專屬債(zhai)券(quan)(quan)(quan)產品。支持(chi)金(jin)融機構用好(hao)專項金(jin)融債(zhai)券(quan)(quan)(quan)資(zi)(zi)金(jin)，投向科(ke)技、綠色、普(pu)惠金(jin)融等領(ling)(ling)域，布局金(jin)融“五篇(pian)大文章”領(ling)(ling)域信貸(dai)資(zi)(zi)產證券(quan)(quan)(quan)化業務。（責任(ren)單位：人(ren)行(xing)重慶市分行(xing)、市委金(jin)融辦、重慶證監局）

（十）拓寬股(gu)權(quan)融(rong)(rong)資(zi)(zi)(zi)渠道。優(you)(you)化(hua)創業(ye)投(tou)(tou)資(zi)(zi)(zi)營(ying)商(shang)環境，推動(dong)創業(ye)投(tou)(tou)資(zi)(zi)(zi)機構數量擴容、資(zi)(zi)(zi)產規(gui)模增量。充分(fen)發(fa)(fa)揮國有資(zi)(zi)(zi)本引(yin)導帶動(dong)作用，引(yin)導社會(hui)資(zi)(zi)(zi)本加大(da)向金(jin)融(rong)(rong)“五篇大(da)文章”重(zhong)(zhong)點領(ling)域投(tou)(tou)資(zi)(zi)(zi)布局力(li)度，鼓勵私募(mu)股(gu)權(quan)和創業(ye)投(tou)(tou)資(zi)(zi)(zi)基(ji)金(jin)“投(tou)(tou)早(zao)、投(tou)(tou)小、投(tou)(tou)長期、投(tou)(tou)硬科技”。增強(qiang)并購(gou)(gou)基(ji)金(jin)功能(neng)定位，優(you)(you)化(hua)并購(gou)(gou)貸款服務，加力(li)推動(dong)我市(shi)科技、綠(lv)色產業(ye)領(ling)域優(you)(you)質企業(ye)融(rong)(rong)資(zi)(zi)(zi)上市(shi)、并購(gou)(gou)重(zhong)(zhong)組(zu)。積極支(zhi)持符合條件的項目發(fa)(fa)行基(ji)礎設施(shi)領(ling)域不動(dong)產投(tou)(tou)資(zi)(zi)(zi)信托(tuo)基(ji)金(jin)。（責任單位：市(shi)委(wei)金(jin)融(rong)(rong)辦、重(zhong)(zhong)慶(qing)(qing)證(zheng)監局、人行重(zhong)(zhong)慶(qing)(qing)市(shi)分(fen)行、重(zhong)(zhong)慶(qing)(qing)金(jin)融(rong)(rong)監管局、市(shi)國資(zi)(zi)(zi)委(wei)、市(shi)發(fa)(fa)展改革委(wei)）

（十(shi)一(yi)）優(you)(you)化(hua)跨(kua)(kua)境(jing)金(jin)融(rong)(rong)服(fu)務。提升(sheng)金(jin)融(rong)(rong)服(fu)務內陸(lu)開(kai)(kai)放綜合(he)樞紐能力，構建重(zhong)慶市國際航運貿(mao)(mao)易數字(zi)化(hua)跨(kua)(kua)境(jing)結算融(rong)(rong)資(zi)(zi)服(fu)務體(ti)(ti)系，打造(zao)重(zhong)慶綜合(he)樞紐數字(zi)金(jin)融(rong)(rong)服(fu)務平(ping)(ping)臺(tai)(tai)、西部陸(lu)海(hai)(hai)新(xin)通道數智金(jin)融(rong)(rong)服(fu)務平(ping)(ping)臺(tai)(tai)，建設西部陸(lu)海(hai)(hai)新(xin)通道金(jin)融(rong)(rong)服(fu)務中心，全面提升(sheng)通道金(jin)融(rong)(rong)服(fu)務質(zhi)效。用(yong)好本外幣(bi)一(yi)體(ti)(ti)化(hua)資(zi)(zi)金(jin)池(chi)、數字(zi)人(ren)民幣(bi)跨(kua)(kua)境(jing)結算等(deng)金(jin)融(rong)(rong)開(kai)(kai)放創(chuang)新(xin)試點政(zheng)策，為更多(duo)中小(xiao)企業和貿(mao)(mao)易新(xin)業態(tai)提供優(you)(you)質(zhi)貿(mao)(mao)易便(bian)利化(hua)服(fu)務，提升(sheng)跨(kua)(kua)境(jing)投(tou)融(rong)(rong)資(zi)(zi)便(bian)利化(hua)水平(ping)(ping)。便(bian)利綠色(se)項目(mu)跨(kua)(kua)境(jing)融(rong)(rong)資(zi)(zi)，穩步推(tui)進(jin)合(he)格(ge)境(jing)內有限合(he)伙(huo)人(ren)（QDLP）對(dui)外投(tou)資(zi)(zi)試點工作(zuo)，爭(zheng)取開(kai)(kai)展合(he)格(ge)境(jing)外有限合(he)伙(huo)人(ren)（QFLP）試點。推(tui)動銀行(xing)健全匯(hui)率(lv)風險管理服(fu)務長效機制(zhi)，豐(feng)富完善跨(kua)(kua)境(jing)金(jin)融(rong)(rong)服(fu)務平(ping)(ping)臺(tai)(tai)應用(yong)場景(jing)。鼓勵金(jin)融(rong)(rong)機構持(chi)續優(you)(you)化(hua)全球(qiu)網絡布(bu)局(ju)和服(fu)務模式，實(shi)施金(jin)融(rong)(rong)助(zhu)力“渝車出(chu)海(hai)(hai)”等(deng)專項行(xing)動。（責任單位(wei)：人(ren)行(xing)重(zhong)慶市分(fen)行(xing)、外匯(hui)局(ju)重(zhong)慶市分(fen)局(ju)、市委金(jin)融(rong)(rong)辦(ban)、市政(zheng)府口岸物流辦(ban)、市大數據發展局(ju)）

（十二）強(qiang)化配(pei)套設(she)施(shi)支撐。完善(shan)知識產(chan)(chan)權(quan)評估(gu)和交易流轉市(shi)(shi)場(chang)，打造(zao)知識產(chan)(chan)權(quan)質押融(rong)(rong)(rong)資(zi)“高效辦成一件事”場(chang)景(jing)。推(tui)廣運用(yong)全國中小(xiao)微企(qi)業資(zi)金(jin)流信用(yong)信息(xi)共(gong)享平臺(tai)、全國融(rong)(rong)(rong)資(zi)信用(yong)服(fu)務(wu)平臺(tai)（重(zhong)慶(qing)站）。推(tui)動銀行卡助(zhu)(zhu)農取款服(fu)務(wu)規范發展，優化金(jin)融(rong)(rong)(rong)基礎(chu)服(fu)務(wu)適(shi)老建(jian)設(she)，推(tui)進親老適(shi)老化改(gai)(gai)造(zao)，加(jia)(jia)強(qiang)助(zhu)(zhu)老設(she)備、無障礙設(she)施(shi)建(jian)設(she)。持續加(jia)(jia)強(qiang)數字人民幣(bi)服(fu)務(wu)體系(xi)和金(jin)融(rong)(rong)(rong)基礎(chu)設(she)施(shi)建(jian)設(she)。進一步用(yong)好金(jin)融(rong)(rong)(rong)信用(yong)信息(xi)基礎(chu)數據庫，增強(qiang)征信機構的(de)行業特色。（責任單(dan)位：人行重(zhong)慶(qing)市(shi)(shi)分(fen)行、市(shi)(shi)委金(jin)融(rong)(rong)(rong)辦、重(zhong)慶(qing)金(jin)融(rong)(rong)(rong)監管局(ju)、市(shi)(shi)發展改(gai)(gai)革委、重(zhong)慶(qing)證監局(ju)、市(shi)(shi)知識產(chan)(chan)權(quan)局(ju)）

五、完善政策保障

（十三）強(qiang)化貨(huo)幣政策工具(ju)支(zhi)持(chi)。充分發(fa)揮科技創(chuang)新和技術(shu)改(gai)造再(zai)(zai)(zai)(zai)貸(dai)款(kuan)、碳減排支(zhi)持(chi)工具(ju)、股票回購增持(chi)再(zai)(zai)(zai)(zai)貸(dai)款(kuan)、服(fu)務消費與養老再(zai)(zai)(zai)(zai)貸(dai)款(kuan)、支(zhi)農支(zhi)小再(zai)(zai)(zai)(zai)貸(dai)款(kuan)、再(zai)(zai)(zai)(zai)貼現(xian)等(deng)結(jie)構性貨(huo)幣政策工具(ju)牽引帶動作(zuo)用，引導金(jin)(jin)融(rong)(rong)(rong)機構不斷優化金(jin)(jin)融(rong)(rong)(rong)服(fu)務理念(nian)，加(jia)大金(jin)(jin)融(rong)(rong)(rong)產(chan)品創(chuang)新力度，提升金(jin)(jin)融(rong)(rong)(rong)服(fu)務質效(xiao)。（責(ze)任單位：人行重慶市分行）

（十四(si)）強化財(cai)政(zheng)金(jin)(jin)融(rong)(rong)聯(lian)(lian)動。迭(die)代更(geng)新財(cai)政(zheng)金(jin)(jin)融(rong)(rong)聯(lian)(lian)動政(zheng)策，統(tong)籌運用擔保(bao)(bao)增信、風險(xian)補(bu)償、貼息貼費、補(bu)貼獎勵等方(fang)式，實(shi)現財(cai)政(zheng)對金(jin)(jin)融(rong)(rong)“五篇大文章”的全(quan)方(fang)位(wei)支持，引導金(jin)(jin)融(rong)(rong)資源(yuan)流向重(zhong)(zhong)大戰略、重(zhong)(zhong)點領域(yu)和(he)薄(bo)弱環節。銀(yin)行(xing)業金(jin)(jin)融(rong)(rong)機構、融(rong)(rong)資擔保(bao)(bao)機構要依法合規審貸(dai)放貸(dai)、提供擔保(bao)(bao)和(he)再擔保(bao)(bao)，落實(shi)“政(zheng)銀(yin)擔”分(fen)險(xian)機制(zhi)。（責任單位(wei)：人行(xing)重(zhong)(zhong)慶(qing)市(shi)分(fen)行(xing)、市(shi)委金(jin)(jin)融(rong)(rong)辦(ban)、重(zhong)(zhong)慶(qing)金(jin)(jin)融(rong)(rong)監(jian)管局、重(zhong)(zhong)慶(qing)證監(jian)局、市(shi)財(cai)政(zheng)局）

（十五）推進標準(zhun)體系(xi)建(jian)設。建(jian)立科(ke)技(ji)型(xing)企業創(chuang)新能力評價(jia)指(zhi)標體系(xi)，全面推廣“創(chuang)新積分制”。完善(shan)綠(lv)色金(jin)(jin)融(rong)標準(zhun)體系(xi)，探索開(kai)展(zhan)全國轉型(xing)金(jin)(jin)融(rong)標準(zhun)試用。開(kai)展(zhan)金(jin)(jin)融(rong)“五篇大文(wen)章”統計監測，依規建(jian)立健全金(jin)(jin)融(rong)“五篇大文(wen)章”考(kao)核評估機制。（責任單(dan)位：人行重慶(qing)市分行、重慶(qing)金(jin)(jin)融(rong)監管局(ju)、重慶(qing)證監局(ju)、市科(ke)技(ji)局(ju)）

六、加強統籌協調與風險防范

（十六）加(jia)強(qiang)統籌協(xie)調(diao)。建立由人(ren)行(xing)重(zhong)慶(qing)市(shi)分行(xing)、市(shi)委(wei)金融辦(ban)牽頭，重(zhong)慶(qing)金融監(jian)管(guan)局(ju)(ju)、重(zhong)慶(qing)證監(jian)局(ju)(ju)、市(shi)財政局(ju)(ju)參與的金融“五篇大(da)文章(zhang)”聯合(he)推(tui)(tui)進(jin)機(ji)制(zhi)(zhi)，按(an)年(nian)度(du)迭代重(zhong)點(dian)工作(zuo)，按(an)季(ji)度(du)推(tui)(tui)進(jin)重(zhong)點(dian)任務(wu)，及(ji)時向市(shi)委(wei)、市(shi)政府報(bao)告有關情況。各(ge)區縣(xian)(xian)政府要(yao)結合(he)轄(xia)區實際，因地制(zhi)(zhi)宜(yi)，針對性加(jia)大(da)工作(zuo)推(tui)(tui)進(jin)力度(du)，力爭形成有本(ben)地標識性、有推(tui)(tui)廣價值的金融服務(wu)模式。各(ge)金融機(ji)構(gou)要(yao)建立“一把手(shou)”負責機(ji)制(zhi)(zhi)，立足自身職能定位抓好本(ben)實施方案的貫(guan)徹落實。（責任單位：人(ren)行(xing)重(zhong)慶(qing)市(shi)分行(xing)、市(shi)委(wei)金融辦(ban)、重(zhong)慶(qing)金融監(jian)管(guan)局(ju)(ju)、重(zhong)慶(qing)證監(jian)局(ju)(ju)、市(shi)財政局(ju)(ju)，各(ge)區縣(xian)(xian)政府）

（十(shi)七）強化(hua)(hua)風(feng)(feng)險(xian)(xian)防范。壓實金(jin)(jin)融(rong)機構風(feng)(feng)險(xian)(xian)管理主體責任，堅持(chi)自(zi)(zi)主決策、自(zi)(zi)擔風(feng)(feng)險(xian)(xian)，因地制(zhi)宜(yi)、循序漸進原則，通過(guo)大數據分析、多維(wei)度監測(ce)等手段，提升(sheng)貸款風(feng)(feng)險(xian)(xian)識別、預(yu)警(jing)(jing)、處置能力。針對(dui)(dui)重(zhong)點(dian)領域(yu)特點(dian)豐富風(feng)(feng)險(xian)(xian)識別、評估和監測(ce)工具。各區(qu)縣(xian)政府、市級有關(guan)部(bu)門要深化(hua)(hua)合(he)作(zuo)、同向發力，密切監測(ce)和及(ji)時處置相關(guan)領域(yu)金(jin)(jin)融(rong)風(feng)(feng)險(xian)(xian)。健全具有硬約束(shu)的金(jin)(jin)融(rong)風(feng)(feng)險(xian)(xian)早(zao)(zao)期糾正機制(zhi)，對(dui)(dui)金(jin)(jin)融(rong)風(feng)(feng)險(xian)(xian)做到早(zao)(zao)識別、早(zao)(zao)預(yu)警(jing)(jing)、早(zao)(zao)暴露、早(zao)(zao)處置。（責任單位：人行(xing)重(zhong)慶(qing)市分行(xing)、市委(wei)金(jin)(jin)融(rong)辦、重(zhong)慶(qing)金(jin)(jin)融(rong)監管局(ju)、重(zhong)慶(qing)證監局(ju)，各區(qu)縣(xian)政府）