深化和规范“银税互动”的路径探析——基于湖北省“银税互动”开展情况的调查

An Exploration on the Path of Deepening and Regulating the Bank-Tax Interaction——A Survey Based on the Implementation of the Bank-Tax Interaction in Hubei Province

纳税信用是社会信用的重要组成部分。在“银税互动”机制下,税务部门创造性地将纳税信用转化为企业信用资产,通过银、税、企三方信息共享,有效破解了小微企业融资难和银行普惠金融放贷难的问题。国家税务总局湖北省税务局通过数据分析、实地调查、问卷调查等方式开展“银税互动”调查研究,发现“银税互动”的社会效应和经济效应日益凸显,但实践中仍存在工作协调机制有待完善、共享信息范围有待规范、信息共享方式有待优化、信贷供给产品有待创新、宣传推广有待深化等突出问题,并有针对性地从规范工作机制、优化信息共享、提升信息应用、拓展服务供给和深化宣传解读等方面提出深化和规范“银税互动”的建议。

Tax credit is an important part of the social credit.Under the Bank-Tax Interaction mechanism,tax authorities have innovatively converted tax credit into enterprise credit assets,and effectively solved the problems of financing difficulties for small and micro enterprises and bank inclusive finance lending through information sharing among banks,tax authorities and enterprises.Hubei Provincial Tax Service of State Taxation Administration carried out the research on the Bank-Tax Interaction through data analysis,field survey,questionnaire survey and other methods,and found that the social effects and economic effects of"Bank-Tax Interaction"are increasingly prominent.However,in practice,there are still outstanding issues such as the need to improve the work coordination mechanism,standardize the scope of information sharing,optimize information sharing methods,invent credit supply products,and deepen publicity and promotion.The survey proposed to deepen and standardize the Bank-Tax Interaction from aspects such as standardizing work mechanisms,optimizing information sharing,improving information application,expanding service supply,and deepening publicity and interpretation.