China News Service, April 22, Li Junfeng, director of the inclusive finance department of the China Banking Regulatory Commission, introduced on the 22nd that as of the end of March 2020, the national balance of inclusive small and micro enterprises loans was 12.55 trillion yuan, a year-on-year growth rate of 25.93%, of which inclusive The loan balance of individual industrial and commercial households was 4.01 trillion yuan, a year-on-year increase of 16.63%.
Figure: Bank staff is counting the currency. China News Service reporter Zhang Yunshe
On the 22nd, the joint prevention and control mechanism of the State Council held a press conference on the role of "silver and tax interaction" to help small and micro enterprises resume work and resume production.
Li Junfeng pointed out that recently, the two departments jointly issued a document to expand the scope of the beneficiary enterprises of "silver tax interaction" to individual industrial and commercial households included in the tax credit evaluation pilots of various tax authorities. Through the "silver tax interaction" product, individual industrial and commercial households received The scope of benefits will be greater. The general financing policy for individual industrial and commercial households is reflected in the following aspects:
First, there are increments, which require commercial banks to increase loans to individual industrial and commercial households faster than other loans. As of the end of March 2020, the nationwide inclusive small and micro enterprise loan balance was 12.55 trillion yuan, a year-on-year growth rate of 25.93%, of which the inclusive individual industrial and commercial household loan balance was 4.01 trillion yuan, an increase of 16.63% year-on-year.
The second is to expand the coverage, to expand the loan coverage of individual industrial and commercial households, now the number of individual industrial and commercial households registered in the country is more than 80 million, the number of individual industrial and commercial households included in the list of small and micro enterprises of the General Administration of Market Supervision is 65.23 million, and individual commercial The number of households is 13.94 million, and the coverage rate is 21.4%. The next step is to further expand the loan coverage of individual industrial and commercial households.
The third is to reduce costs. For loans to individual industrial and commercial households, the People's Bank of China, commercial banks, and policy banks have arranged special refinancing loans, separate credit plans, and refinancing loans. Commercial banks are required to apply preferential interest rates to individual industrial and commercial household loans issued by the People ’s Bank of China for refinancing small loans, and interest rates should be lower. In the first quarter of 2020, the interest rate for new and inclusive small and micro enterprise loans issued by banking financial institutions nationwide was 6.15%, a decrease of 0.55 percentage points on the basis of 2019.
The fourth is to facilitate, requiring commercial banks to be flexible and simple for individual industrial and commercial household loans, simplify procedures, and facilitate individual industrial and commercial households to apply for loans. Therefore, many banks now use online loans for individual industrial and commercial households, using big data information to facilitate individual industrial and commercial households to make loans.
Li Junfeng said that if affected by the epidemic, and the capital turnover of individual industrial and commercial households is difficult, stock loans can be temporarily extended to repay principal and interest. This policy for individual industrial and commercial households is also the same as that of small and micro enterprises. The existing loans of eligible industrial and commercial households can be renewed and extended, if they can be renewed.