Chapter 1 General Provisions Article 1 In order to continue to optimize the business environment, stimulate the vitality of market entities, promote high-quality development, and build a high-quality and high-appearance modern international city at a higher level, we must comply with relevant laws and administrative regulations This regulation is formulated based on the basic principles of laws and regulations and combined with the actual situation of Xiamen Special Economic Zone. Article 2 To optimize the business environment, we must adhere to the principles of marketization, rule of law, and internationalization.

Optimizing the business environment should be guided by the needs of market entities, with the transformation of government functions as the core, with digital empowerment as the traction, with the construction of the rule of law as the guarantee, benchmarking against high international standards and high levels, and reducing the system transaction costs, safeguard the legitimate rights and interests of market entities, and create a stable, fair, transparent, and predictable business environment for all types of market entities to invest and operate. Article 3 The municipal and district people's governments shall strengthen their leadership in optimizing the business environment and establish and improve the coordination mechanism for optimizing the business environment. The main person in charge of the government is the first person responsible for optimizing the business environment.

The development and reform department is the department in charge of optimizing the business environment. It is specifically responsible for the coordination and promotion, supervision and implementation, assessment and evaluation of optimizing the business environment.

Relevant units should carry out work related to optimizing the business environment in accordance with their respective responsibilities. Article 4: Establish an expert advisory committee on optimizing the business environment.

The organizational form and work procedures of the Expert Advisory Committee shall be drawn up by the Municipal Development and Reform Department, and shall be promulgated and implemented after approval by the Municipal People's Government. Article 5 The municipal and district people's governments shall improve the incentive and performance assessment mechanisms for optimizing the business environment, improve assessment standards based on the satisfaction of market entities and the public, and commend units and individuals with outstanding work results in accordance with regulations. Units and individuals who delay work will be held accountable in accordance with regulations.

A "good or bad evaluation" system will be implemented for all government services, and the evaluation results will be included in the assessment and accountability content.

If relevant units and individuals make mistakes or deviations in the reform and innovation of the business environment and meet the prescribed conditions, they may be exempted from liability or have their responsibilities reduced. Article 6 The municipal and district people's governments shall report on optimizing the business environment to the standing committee of the people's congress at the same level and deputies to the people's congress through special work reports, political situation briefings or other means.

The Standing Committee of the People's Congress may supervise the work of optimizing the business environment by listening to special work reports, law enforcement inspections, inquiries, inquiries, or representative inspections. Chapter 2 Market Environment Article 7 The municipal and district people's governments and relevant departments shall promote the market-oriented reform of land use rights, human resources, capital, technology, data resources and other factors, improve the factor market operating mechanism, and improve factor transaction rules and service systems , promote the free flow of factors and improve the efficiency of factor allocation. Article 8 The municipal and district people's governments and relevant departments shall ensure that all types of market entities receive equal treatment in accordance with the law, ensure that market entities participate in market competition equally, and shall not formulate or implement discriminatory policies.

All types of market entities shall equally apply policies and measures in accordance with the law, and enjoy equal rights to use human resources, capital, technology, data resources, land and other natural resources, and public service resources such as water and electricity. . Article 9 The municipal and district people’s governments and relevant departments shall implement a unified negative list system for market access in accordance with national regulations. In areas outside the negative list for market access, all types of market entities can enter equally in accordance with the law.

Explore the implementation of the commercial registration confirmation system and the market-ready business commitment-based system. Article 10 Unless otherwise provided by laws and regulations, relevant departments should take the following measures to simplify the registration procedures for market entities:

(1) Adopt unified data standards, platform service interfaces, and social credit codes for registration management ;

(2) Implement the system of independent declaration of enterprise names, standardized registration of business scope, and declaration and notification commitment of residence and business premises;

(3) Allow multiple market entities to comply with regulations Register the same address as your residence;

(4) Implement the entire online registration process for market entities.

The municipal market supervision and administration department shall work with relevant departments to prepare a negative list of commercial registration residences and business premises, listing the specific circumstances, addresses or areas that are prohibited or restricted by laws and regulations as residences or business premises. Relevant departments should cooperate with the municipal market supervision and administration department to complete the preparation work. The negative list of commercial registration residences and business premises shall be dynamically managed and announced to the public by the Municipal People's Government.

Article 11 Public resource transactions shall be subject to catalog management, and transaction catalogs, rules, procedures, results, supervision and credit information shall be disclosed to ensure that various market entities obtain relevant information in a timely manner and participate in trading activities on an equal footing.

The Municipal People's Government should establish a city-wide unified public security resource trading platform and promote the electronicization of all areas and processes of public security resource trading. Article 12 Financial institutions are encouraged to take the following measures to reduce the credit costs of market entities:

(1) Optimize loan term management for private enterprises, etc., and carry out loan renewal business without principal repayment in accordance with laws and regulations;

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(2) Reasonably increase medium- and long-term loans and credit loan support for enterprises with good credit status;

(3) Promote credit loans for small and micro enterprises on the premise of controllable risks;

(4) On the premise of complying with regulatory requirements, moderately increase the tolerance for non-performing loans of small and micro enterprises.

If an enterprise establishes a bank account, the bank may use video to verify the intention to open an account with the legal representative or person in charge of the enterprise, but if the legal representative or person in charge of the enterprise has committed untrustworthy behavior that has been determined by the relevant departments and disclosed in accordance with the law. except.