China News Service, Beijing, September 17 (Reporter Wang Enbo) Private enterprises are an important part of China's economy, but they have also been greatly affected by the epidemic. In particular, many small, medium and micro enterprises are facing a "money shortage".
How to let financial "running water" water these market entities?
The China Banking and Insurance Regulatory Commission held a press conference on the 17th, and the heads of the three banks brought their own methods.
China Minsheng Bank is the country's first national joint-stock commercial bank initiated and established mainly by private enterprises.
According to Zheng Wanchun, President of Minsheng Bank, the bank adheres to the strategy of private enterprises unswervingly, continuously innovating system mechanisms and business models, and has established a multi-level financial service system covering small and micro, medium and small, large and medium-sized and ecological chain enterprises, and has shaped the brand of private enterprise services. Features and first-mover advantage.
As of the end of August, the balance of loans to private enterprises by Minsheng Bank was 158.23 billion yuan (RMB, the same below), an increase of 79.27 billion yuan from the beginning of the year, and an increase of 8.2% from the same period last year; in the first eight months of 2020, a total of 1,0985 billion yuan in loans to private enterprises .
Zhejiang is one of the most active regions in the country's private economy.
Xu Renyan, President of Zheshang Bank, revealed that as of the end of June, the bank's private enterprise loan balance reached more than 620 billion yuan, an increase of 10.42% from the beginning of the year, higher than the growth rate of various loans, accounting for 63.54% of the total corporate loan balance.
In the first half of the year, the Bank ranked first in the number and scale of bond financing support instruments created by private enterprises in the inter-bank market, and achieved bond issuance linked to LPR pricing, which actually reduced financing costs by more than 1 percentage point.
Under the epidemic situation, major banks have not only increased their support to the private economy, but also followed the new trend of financial services and realized new explorations in serving private enterprises.
Xu Renyan said that the current financial services are changing from an offline service model to an online contactless service model.
At present, the replacement rate of Zheshang Bank's electronic channel transaction has reached 99.37%, basically achieving "new customers can run at most once, and old customers don't need to run at one time".
Especially during the epidemic, online services have played an important role. During the service process, companies can obtain all-weather and contactless convenient services such as renewal of loans, cross-border payments, and green channels online.
As a city commercial bank that focuses on small and micro businesses and practices inclusiveness, Zhejiang Tailong Commercial Bank President Wang Guanming observed that, as the "capillaries" of the social economy, the production and operation of small and micro enterprises have been severely affected by the epidemic, and their financing has shown new characteristics.
On the one hand, some companies have tight cash flow and urgently need funds to rescue them, or adjust repayment arrangements to extend or postpone loans; at the same time, small and micro enterprises have shown tenacious vitality, and financing needs will be relatively strong after the resumption of work and production.
On the other hand, some companies were forced to suspend business under the impact of the epidemic due to poor management, which increased the potential risk of non-performing loans.
In this context, how should banks strike a balance between supporting the real economy and preventing risks?
"Commercial banks and entity enterprises coexist and prosper, and business difficulties in enterprises will also bring greater pressure to the development of banking business." Zheng Wanchun did not deny the challenges facing the banking industry.
He emphasized that while serving private enterprises and small and micro enterprises, Minsheng Bank should continue to optimize risk prevention and control to ensure its own steady development.
Specific measures include strengthening the management of the list system, implementing "one household, one policy" management based on the list system, conducting key development, and implementing dynamic management of the list of strategic private enterprises.
Optimize credit policy and authorization management, reduce dependence on strong mortgages through effective external credit enhancement during the loan approval process, optimize risk authorization support systems, and improve approval efficiency and effectiveness.
Wang Guanming also bluntly said that from the situation of his bank, the credit risk of small and micro enterprises has risen to a certain extent. At the end of August, the non-performing loan rate of Zhejiang Tailong Commercial Bank was 1.23%, an increase of 0.1% from the beginning of the year.
However, from the perspective of long-term practice, the overall loan risk of small and micro enterprises is controllable, especially small and micro enterprises are flexible and easy to turn around. They have a tenacious will and vitality to survive.
He introduced that Zhejiang Tailong Commercial Bank will do a good job in the prevention and control of various risks while overcoming difficulties with small and micro enterprises.
Taking into account that the credit risk of small and micro enterprises may increase in the next stage, the bank will prepare enough "ammunition" to resist risks and make risk provisions in advance.
At the same time, strengthen the "blocking the new and clearing the old": on the one hand, increase the disposition of non-performing loans, on the other hand, strictly control the incremental risk, further strengthen the access management, and conduct normalized self-inspection.
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