Spot financial loans are small loans, which will affect credit reporting.

After research and demonstration, the State Council decided to cancel 49 non-administrative licensing items and adjust 84 non-administrative licensing items to internal government approval items on the basis of a substantial reduction in the previous period. The approval category of "non-administrative license approval" will not be retained in the future.

All regions and relevant departments should conscientiously do a good job in the implementation of cancellation matters, strengthen post-event supervision, prevent a management vacuum, and not approve in any form in disguise. Matters adjusted for internal government approval shall not be examined and approved by citizens, legal persons and other social organizations; The examination and approval department should strictly regulate the examination and approval behavior.

Clear authority, scope, conditions, procedures, time limit, etc. For the internal examination and approval of the government, the discretion is strictly restricted, the examination and approval process is optimized, and the examination and approval efficiency is improved. It is necessary to further deepen the reform of the administrative system, further promote decentralization, accelerate the transformation of government functions, and constantly improve the scientific, standardized and legal level of government management.

Extended data:

1, standardize and simplify the tax and fee system, and reduce the tax and fee rate of institutions. Clean up the multi-head administrative fees, reduce the discretionary power of enterprise-related fees, resolutely cancel the unreasonable fees charged by relevant institutions, and put an end to intermediaries using government influence to charge illegally, and industry associations will force enterprises to join or charge illegally.

Incorporate urban maintenance and construction tax, education surcharge, local education surcharge and other tax surcharges into regular tax reduction items, and exempt qualified small and medium-sized enterprises from education surcharge, local education surcharge, water conservancy construction fund, cultural undertakings construction fee and employment security fund for the disabled.

2, clear the main responsibility, so that the tax reduction and exemption policy is implemented. In the implementation of various national tax reduction and fee reduction policies, the main body of responsibility is defined and the guiding opinions of framework provisions are formed.

Strengthen the supervision of responsible subjects other than relevant government departments, and urge them to introduce relevant supporting measures and implement them as soon as possible. Establish and publicize a list of enterprise-related charges such as administrative fees, government funds, and administrative examination and approval pre-service fees, so as to effectively achieve "enterprises-related charges are included in the list, and there is no charge outside the list" and "enterprises are assured to pay fees, and departments understand the charges".

At the same time, through government portals, news media, etc. Vigorously publicize policies to reduce the burden on enterprises, further improve the transparency of policies, actively send policies to enterprises, and combine active notification with effective verification to ensure that policies are implemented in enterprises.

3. Shorten the financing chain of enterprises, clean up and rectify unreasonable financial charges and reduce the financing cost of enterprises. Expand the scale of bond financing, rationally develop off-balance-sheet business, clean up "channel" and "bridge" loans, and realize the healthy development of interbank, wealth management and entrusted loans.

Cancel financial service charges without substantive service content, rectify low-input and high-cost service items, such as rectifying the behavior of charging loans or charging fees that are inconsistent with quality and price in consulting business charges, and rectifying the behavior of decomposing interest into expenses.

Cleaning fees (commitment fees, fund management fees, financial consulting fees, consulting fees, etc.). In accordance with the "two prohibitions and two restrictions" charging regulations for small and micro enterprises, the financing cost of enterprises should be reduced. At the same time, strengthen financial supervision and standardize the charging behavior in the financing process of enterprises such as guarantee, evaluation, registration, audit and insurance.

People's Daily Online-China Democratic Construction Association Central Committee: Proposal on Effectively Reducing the Burden of the Real Economy