"Zero tolerance" for raising the financing cost of small and micro enterprises
Tan Haojun
In accordance with the relevant work arrangements of the State Council, the Consumer Rights Protection Bureau of the China Banking and Insurance Regulatory Commission has recently organized and carried out a special inspection of financing charges for small and micro enterprises.
The inspection results show that bancassurance institutions are generally able to conscientiously implement the financial service policies for small and micro enterprises, and continue to increase their efforts to reduce fees and concessions, but there are still some bancassurance institutions and loan assistance institutions that have not implemented the decisions and deployments of the Party Central Committee and the State Council. Regulatory regulations have decrees and prohibitions. In the case of illegal collection of loans, free fees should be reduced, bundled sales are mandatory, high service fees and agency fees are charged, which raises the overall financing cost and weakens the sense of acquisition of small and micro enterprises.
Small and micro enterprises are not only the main carrier of employment and the main guarantee of social stability, but also the main force of taxation and technological innovation.
Small and micro enterprises are stable, society is stable, taxation is stable, and technological innovation has a solid foundation.
If small and micro enterprises are not developed well, it will bring about a series of social and economic problems, which will affect the sustainable development of the economy and society.
The financing of small and micro enterprises is an indispensable and important factor to ensure the stable development of small and micro enterprises.
For a long period of time in the past, financing institutions, including financial institutions, had major shortcomings in providing financing services to small and micro enterprises. Not only were financing thresholds high, but also high financing costs, not only poor service quality, but also low service efficiency. .
As soon as interest rises to the top, loan deposits, high service fees, consultant fees, various handling fees, consulting fees, tying financial products, etc., a loan is collected from application to receipt, except for a long time The expenses other than the interest are several times higher than the interest, and cannot be fully paid, only part of the funds can be loaned out.
This situation has forced some small and micro enterprises to seek support from underground financial institutions, leading to the proliferation of underground finance and increasing illegal fund-raising, which in turn severely disrupted the sound financial market order.
In other words, financial institutions do not effectively support small and micro enterprises, and the negative effects and impacts are all-round.
Especially this year, due to the impact of the new crown pneumonia epidemic, many small and micro enterprises are in poor operating conditions, and the pressure to survive has increased, and more and more contradictions have concentrated on small and micro enterprises.
If we do not use strong measures and means to help them out of their difficulties, it will have a serious impact on economic and social development.
Therefore, in recent years, a series of policies and measures have been introduced from the central to local governments to help small and micro enterprises overcome difficulties.
Among them, financing is the most important, because almost all small and micro enterprises are restricted and affected by funds.
It is precisely because of this that since this year, the central government has further promulgated policies and measures around small and micro enterprise financing based on the overall situation of economic and social stability. In particular, it has proposed specific measures and methods on how to reduce the financing costs of small and micro enterprises.
Under such circumstances, financing institutions still dare to commit crimes, and political awareness and overall awareness are really problematic. It is necessary to adopt certain methods and means to impose disciplinary constraints on these financing institutions and their staff. Its legal responsibility should be investigated.
This is not only a question of whether financing institutions are willing to provide services to small and micro enterprises, whether they truly understand and understand the relationship between the economy and finance, but also a question of whether financing institutions can earnestly implement the central policies and requirements.
Therefore, in the face of some financing institutions’ improper orders, the supervisory agency shall impose severe penalties on the relevant financing institutions while investigating.
The central government has repeatedly emphasized the need to unblock the monetary policy transmission mechanism. In the final analysis, financing institutions including financial institutions cannot effectively implement the requirements of monetary policy, and there are various discounting problems.
If you do not take this opportunity to teach various financing institutions a good lesson, it will be difficult to ensure that monetary policy can run smoothly and be in place smoothly.