Science and Technology Daily reporter Zhang Jiaxing
Difficulties in financing and loans for small and micro enterprises are mainly due to the existence of a contradiction—
From the perspective of the bank, the bank needs to carry out risk management, and needs the guarantee and collateral of the loan application enterprise to control the risk. Small and micro enterprises are precisely light-weight assets without collateral.
The good use of big data such as tax data is expected to resolve this pair of contradictions.
On April 22, the State Council's joint defense and joint control mechanism held a press conference on the role of "silver tax interaction" to help small and micro enterprises resume work and resume production. South Korea Rong, deputy director of the Tax Service Department of the State Administration of Taxation and first-level inspector, introduced that "Bank-Tax Interaction" uses tax data to convert corporate tax credits into financing credits, which solves the problem of information asymmetry between banks and companies. It is very suitable for helping small and micro enterprises with light assets to solve financing problems.
Li Junfeng, director of the inclusive finance department of the China Insurance Regulatory Commission, introduced that using modern technology, especially big data technology, to profile data for customers and develop data risk control products, banks can fully understand the enterprise through data, and can also not need guarantees and mortgages. .
Tax credit is good, loan can be completed in two days
South Korea Rong introduced that in the five years since the implementation of this activity, the "silver tax interaction" loan scale has grown rapidly. In 2019, the number of "silver tax interaction" loans nationwide exceeded the total of the previous four years, and the "silver tax" has been issued in the first quarter of this year. "Interactive" loans of 750,000, more than half of 2019, more and more small and micro enterprises benefit from it. For example, Beijing Biotechnology Co., Ltd., with its good tax credit, completed the whole process of opening a new customer account, admitting, rating, credit and lending in just two days and applied for a loan of 5 million yuan.
Multi-sectors break the information silos and turn small and micro enterprises' information into loans
Li Junfeng, director of the Inclusive Finance Department of the China Banking Regulatory Commission, introduced that in addition to the “Bank Tax Interaction” (the use of tax information to increase credit loans for small and micro enterprises) jointly launched by the China Banking Regulatory Commission and the tax department, the China Banking Regulatory Commission also launched the “Bank Merchants” "Cooperation" is to use the information registered by small and micro enterprises in the market supervision department to judge and evaluate the status of small and micro enterprises; make full use of the "Data China" platform of the National Development and Reform Commission to launch "Xinyidai" products, that is, there are data, Enterprises can obtain loans more easily and turn the data into loans; at the same time, they cooperate with the Ministry of Agriculture and Rural Affairs and the General Administration of Customs to integrate the information of small and micro enterprises in agriculture, customs and other fields, making banking institutions easier and more Convenient and low-cost access to corporate credit information.
Commercial banks will assess the proportion of credit loans issued
Li Junfeng, director of the inclusive finance department of the China Insurance Regulatory Commission, introduced that in order to solve the difficulty of lending to small and micro enterprises, promote banks to develop new products and improve risk management technology, the China Insurance Regulatory Commission strengthened guidance in this regard. Enterprises are conducting regulatory evaluations and assessments, and relevant measures are publicly soliciting opinions from society.
The China Banking and Insurance Regulatory Commission made it clear that commercial banks should increase the proportion of credit loans for small and micro-enterprise loans, and use it as an important bonus item in the evaluation of banks. They encourage commercial banks to issue small and micro-enterprise credit loans as much as possible to solve small and micro-enterprises. Lack of mortgages and guarantees.
Provincial, city and county level 3 credit information platforms are gradually established
Li Junfeng, director of the inclusive finance department of the China Insurance Regulatory Commission, said that the scope of small and micro enterprises ’credit information is still in the sub-provincial area, so we have been pushing local governments to establish small and micro enterprises’ credit information platforms or Small and micro enterprise financial service platform.
At the county level, including Lankao County like Henan, we integrate small and micro enterprise information to build a platform.
At the prefecture-level level, you have seen reports in Taizhou, Zhejiang, Suzhou, and Jiaozuo, Henan. Local and municipal units, led by local governments, have led small and micro enterprise credit information platforms or financial service platforms. it is good.
At the provincial level, big data bureaus have been established in many parts of the country, and the regulatory authorities and big data bureaus have cooperated to create a credit information platform for small and micro-enterprise financial services at the provincial level. Zhejiang, Guangdong, Beijing, Jiangsu and Henan are all building provincial platforms for small and micro enterprise information services.
Guide banks to discover loan needs of "first lenders"
According to reports, there are more than 30 million small and micro enterprises in the market, more than 80 million individual industrial and commercial households, which together constitute more than 100 million market players. At present, there are more than 22 million small and micro enterprises and individual industrial and commercial households with loans in commercial banks that have loan balances, accounting for about 20% of small and micro enterprises and individual industrial and commercial households.
Li Junfeng, director of the Pratt & Whitney Finance Department of the China Insurance Regulatory Commission, introduced that in order to serve a large number of small and micro enterprises and individual industrial and commercial households that need loans for the first time, the China Insurance Regulatory Commission strengthened supervision and guidance. In the evaluation of commercial banks, this year, the "first The assessment index of the proportion of "lenders". It is required that among the new loan customers issued by commercial banks, the enterprise that obtains the loan for the first time, that is, the “first lender”, will account for a certain proportion. Commercial banks are required to further develop credit loan products suitable for small and micro enterprises and individual industrial and commercial households.
Li Junfeng introduced that since the second half of last year, the China Banking Regulatory Commission has advocated various commercial banks to carry out the "100-go-to-go" initiative, allowing all commercial banks, especially grassroots banks, to penetrate customers and enterprises, whether they have loans or no loans. Fully understand the needs of small and micro enterprises. The bank sinks its body and asks every enterprise and individual industrial and commercial households their needs. If they meet the requirements, the bank will provide loan support in a timely manner. If the original loan is available and the loan is not enough, the bank can also add a loan. Since the beginning of this year, the bank has provided financing support to 22,000 small and micro enterprises through "One Hundred Advances in Ten Thousand Enterprises", of which 14,000 are "first lenders."
Source: Technology Daily