In order to effectively solve the problem of difficulty in opening accounts for small and micro enterprises, the People's Bank of China recently issued relevant guidance to guide banking financial institutions to optimize and reshape bank account management mechanisms and processes under the premise of controllable risks, effectively ensuring The normal and reasonable account service needs of small and micro enterprises will help the development of small and micro enterprises.

1. The bank recently issued the "Guiding Opinions on Optimizing Bank Account Services and Risk Prevention and Control for Small and Micro Enterprises", focusing on optimizing the account opening process for small and micro enterprises, disclosing account opening service matters, and preventing account risks. More than ten opinions were put forward in four aspects: control and long-term mechanism construction for account opening services.

2. Encourage banks to implement simple account opening services, electronic license applications, and government-bank joint cooperation to further improve the convenience of account opening services; guide banks to improve account opening standards by publicizing account opening standards, establishing negative lists, and smoothing complaint channels. Account opening service transparency; guide banks to effectively prevent and control account risks through account classification and grading, accurately identify suspicious accounts, and back-check accounts involved in cases; guide banks to improve quality and efficiency assessments, clarify the chain of responsibility for accounts involved, and carry out regular supervision and inspections, etc. measures to achieve the organic unity of service optimization and risk prevention and control.

3. At the service window of the Baoshan Branch of the Bank of Guizhou, the person in charge of a company in Guizhou was handling corporate account opening business. Photo by Xinhua News Agency reporter Li Qianyu Relevant people from the People's Bank of China said that banks must strictly implement various work measures to effectively solve the difficulties and blockages in opening accounts for small and micro enterprises and reduce the adverse impact on normal bank account services due to risk prevention and control. In the next step, the People's Bank of China will guide banks to conscientiously implement various work arrangements proposed in the opinions, continue to increase support for small and micro enterprises, and further optimize the business environment.

Four. The People's Bank of China also issued the "Guidelines for Simple Account Opening Services for Small and Micro Enterprises" and "Guidelines for the Negative List of Standardized Bank Account Opening Services for Small and Micro Enterprises"

Four. In order to further implement and optimize the business environment, promote the "delegation, regulation and service" reform, assist the development of the real economy, firmly establish the service concept of "payment for the people", and actively take effective measures to publicize the account opening process, time, fees and information. , opening a telephone appointment channel, supporting simple account opening needs, setting up a green channel for small and micro enterprises to open accounts, reducing payment and settlement fees, etc., further shortening the time for corporate account opening, reducing the cost of corporate account opening, providing convenient account opening services for enterprises, and improving corporate accounts While providing services, we will carefully verify the rationality of the company's account opening and the authenticity of its intention to open an account, continue to increase monitoring efforts, and strictly control the risks of account opening to truly achieve "payment is for the people and it is not difficult to open an account."