"You have a loan of 200,000 yuan that you haven't received yet. Go and check it out." "No collateral, zero threshold, you can get it in the fastest 3 days"...Have you received a similar online loan message?
Some self-employed people and entrepreneurs borrow money through online loan platforms due to difficulties in capital turnover, and some even fall into the trap of online loan fraud.
What is the result of rectification of online loan chaos? Alipay Huabei and JD Baitiao’s access to credit reporting are good or bad for users? In the current epidemic, how can the banking industry "lighten the burden" for small and micro enterprises?
In the latest issue of CCTV News "On Relativity", Guo Shuqing, Secretary of the Party Committee of the People's Bank of China and Chairman of the China Banking and Insurance Regulatory Commission, and Zeng Gang, deputy director of the National Finance and Development Laboratory, responded to the above questions.
Guo Shuqing: Online loan platforms have dropped from five to six thousand to 29
Supporting the economy, helping disaster victims, responding to non-performing loans, supervision of online lending platforms... Which challenge is the biggest in the second half of the year? Guo Shuqing said in response to a question on the "Minister's Answer Board" given by CCTV News "Relativity" that these four are interrelated, are very important, and can be resolved.
Guo Shuqing particularly emphasized that the supervision of online lending platforms has gone through a very painful stage, and now it has reached a fundamental transition. From the peak of 5,000 to 6,000 to the end of June, only 29 companies are in operation. The special rectification work may basically end by the end of the year. Transfer to regular supervision. He also said that there are still more than 800 billion yuan of funds from the lender that have not been recovered. As long as there is a glimmer of hope, he will cooperate with the public security and other departments to track down the collection and repay the capital to the greatest extent.
Huabei and Jingdong Baitiao access credit investigation
Expert: good for the credit environment and personal management
Speaking of loans and online loans, the previous news of "Huabe and JD Baitiao's access to the central bank's credit investigation" made many users nervous, saying that they "have settled it quickly and dare not use it again." Is Huabei and JD Baitiao’s access to credit reporting a good thing or a bad thing for users?
Zeng Gang, deputy director of the National Finance and Development Laboratory, said that access to credit reporting is actually a way of recourse for loans.
Zeng Gang said that this kind of access is based on total credit management. As a risk assessment, you can also see whether there are records of dishonesty in other places. This kind of access helps to have a more accurate judgment on consumer loan records. Improve everyone's risk control. For individuals, there are also beneficial constraints. This access is good for the credit environment and personal management.
In the current epidemic, how can the banking industry "lighten the burden" for small and micro enterprises?
Affected by the epidemic, many companies, especially small and micro enterprises, choose to take loans to ease funding constraints. What support policies does the banking industry have for small and micro enterprises? Data show that at the end of June, my country's inclusive small and micro enterprise loans increased by 28.4% year-on-year. At the same time, the average interest rate of newly issued inclusive small and micro enterprise loans was 5.94% in the first half of this year, a decrease of 0.76 percentage points from last year.
Guo Shuqing said, “The support for loans to small and micro businesses is the greatest.” Currently, more than 23.6 million small and micro businesses can get bank loans, accounting for more than two-thirds. “This is one of the best in the world. of."
In the first half of the year, the banking industry added a total of RMB 12 trillion in loans. Which areas did these loans go to? Guo Shuqing said that manufacturing, infrastructure, technological innovation, and small and micro “agriculture, rural areas and farmers” are key areas.
What other plans to support the real economy in the second half of the year?
Give priority to supporting inclusive small and micro enterprises, especially promoting direct financing;
Substantially increase medium and long-term financial support for advanced manufacturing and strategic emerging industries;
Strengthen the coordination of finance and employment, industry, and regional policies to form an integrated effect;
To increase financial support for companies that are experiencing temporary difficulties but still have prospects, the China Banking and Insurance Regulatory Commission and the central bank have studied some reserve policies and adopted some special measures, such as emergency loans and emergency financing, and pilot projects in some provinces .