Credit loans increased by 2.5 trillion yuan in the first quarter, nearly twice the increase of the same period last year
During the "epidemic" period, credit loans provide funds for enterprises to "live water"
Newspaper (Reporter Bei Mengyuan) In the first quarter of this year, credit loans issued by banking institutions to enterprises, merchants and individual operators increased by 2.5 trillion yuan, nearly twice the same period last year. Earlier, the financial data released by the central bank showed that by the end of March, the proportion of credit loans in Pratt & Whitney's small and micro loans increased significantly, reaching 15.4%. This is the latest data on credit loans given recently by the Vice Chairman of the China Insurance Regulatory Commission, Huang Hong.
The so-called credit loan refers to a loan that is issued based on the creditworthiness of the loan recipient without pledge or third party guarantee. Compared with secured loans, credit loans are more flexible and more efficient. Since the outbreak, in the face of corporate financing needs, credit loans have continued to work hard to provide corporate funds with "living water."
Resumption of work and production, capital first. "Preparation of epidemic prevention materials, employee salaries, project bids, and various other expenses require a lot of cash in each link. However, several large customers and large projects of the company are also affected by the epidemic, and the settlement and payment cycle is extended." Liu Xiangdong, head of the security company, told reporters that many companies around him have encountered similar problems.
In order to expand financial coverage and help more companies resume production and production, all departments have begun to increase information docking and sharing efforts. Major banks have also developed online products, intensified innovation in credit loan business, and further simplified business processes.
"The company's financial staff did not go out, and successfully applied for a loan of 1 million yuan with a mobile phone, which really helped a lot!" Recently, the postal bank "Xiaowei Yidai" completed the credit loan business. An ecological garden company in Hunan Xu Shigui, the general manager, sincerely sighed that the loan of 1 million yuan was unsecured, and it took less than a week to get the account. I used to dare not think about it.
The reporter learned that after the outbreak, the China Banking and Insurance Regulatory Commission proposed to increase credit protection and release of resumption of production and production in key areas, and credit loans have become one of the main grips. Prior to this, Liang Tao, vice chairman of the China Banking and Insurance Regulatory Commission, said that it will guide financial institutions to further increase credit support for corporate resumption of production and production, and further increase the proportion of corporate credit loans and medium- and long-term loans.
In fact, in the face of problems such as difficult financing and expensive financing, credit loan products have always been placed high hopes. Last year alone, the National Development and Reform Commission, the People ’s Bank of China, and the China Banking and Insurance Regulatory Commission shouted several times to support the development of the credit loan business. In the financial market, calls for reducing excessive dependence on mortgage guarantees and increasing the proportion of credit loans have also increased.
However, due to credit risk considerations, the pace of credit loan placement by banks has not been quick. This has caused some enterprises to worry about the stamina of credit loans in the epidemic.
In this regard, a person in charge of a state-owned bank in Beijing told reporters that under the background of policy support and banking transformation, continuous innovation in business in the field of credit loans and further improvement in market acceptance is a long-term development trend. “In the past, banks’ concerns were mainly due to the lack of access to credit loans, overdue collections and easy formation of non-performing assets. But now the information channels are more accessible and the technology is more mature, using big data to analyze customer operations, credit reporting, etc. Relevant information portrays customers, and credit loans can be controlled within risks. "