Xinhua News Agency, Beijing, January 22 -

Title: balance break 15 trillion yuan!

What does the rapid growth of loans to small and micro businesses rely on?

  Xinhua News Agency reporter Yao Junfang

  At the end of 2020, the balance of my country's inclusive small and micro loans exceeded 15 trillion yuan, with a year-on-year growth rate of 30.3%, deducing a rapid growth curve.

  It is difficult for small and micro enterprises to raise funds. How can they make a breakthrough in 2020?

Behind the rapid growth is precision drip irrigation that has become more precise and efficient, and new monetary policy tools, new financial products, and new technological "weapons" continue to work hard.

  The 30.3% growth rate is not only 7.2 percentage points higher than the previous year, but also 17.5 percentage points higher than the growth rate of RMB loans in the same period in 2020.

Throughout the year, inclusive small and micro loans supported 32.28 million business entities, an increase of 5.24 million from the previous year.

  Among them, the two newly launched monetary policy tools that directly reach the real economy this year have played an important role.

The Inclusive Small and Micro Enterprise Loan Extension Support Tool and the Inclusive Small and Micro Enterprise Credit Loan Support Program, these two tools present direct and precise characteristics, and use the central bank's funds to encourage banks to extend their loans to inclusive small and micro enterprises. , A substantial increase in credit loans.

  Although a single amount of credit loans is usually only a few million yuan, for many small and micro enterprises, it is an important channel for them to break through the traditional collateral threshold and obtain financing.

  The reporter learned that credit loan approval is not based on traditional collateral such as real estate. Taxation, sales, accounts receivable, payment of employee wages, invention patents, intellectual property rights, trademark rights, talents, etc. may all become loan approvals conditions of.

  According to statistics, in 2020, the banking industry has issued a total of 3.9 trillion yuan in inclusive small and micro credit loans, an increase of 1.6 trillion yuan year-on-year.

  Following policy breakthroughs, the group of “first lenders” in small and micro enterprises has continued to grow.

"The company has been established for more than 11 years and will get the first loan in 2020." said Liu Baoze, chairman of Beijing Jiuzhou Hanbang Logistics Co., Ltd.

After years of unsuccessful applications for loans, this logistics company successfully obtained 1.5 million yuan in credit loans last year.

  In 2020, the proportion of small and micro enterprises receiving first loans will increase significantly.

According to statistics, in the first 11 months of 2020, the number of newly granted credits to Inclusive Small and Micro businesses accounted for nearly 40%.

  Under the impact of the epidemic, precision drip irrigation for small and micro enterprises in key areas has become more precise.

Set up a special reloan of 300 billion yuan for epidemic prevention and control, and targeted support to more than 7,600 key epidemic prevention and supply companies, most of which are small, medium and micro enterprises; additional 500 billion yuan for resumption of work and production, 1 trillion yuan for inclusive reloans and discounts The quota will focus on supporting more than 600,000 industry companies that are greatly affected by the epidemic, and most of them are small, medium and micro enterprises.

  More precise investment provides small and micro enterprises with a separate and free "funding pool" and guarantees the supply of "small stoves" for small and micro enterprises.

  In response to the characteristics of different types of small and micro enterprises, customized credit products continue to emerge.

Ramen loans, greenhouse loans, cucumber loans, pig loans, gazelle technology credit loans, talent loans... all kinds of loan products meet the refined and individual needs of small and micro enterprises.

  With the empowerment of technology, big data accurately portrays small and micro enterprises, making the credit process more intelligent, convenient and efficient.

The reporter saw in a bank branch that with the help of big data and information sharing, the company’s industrial chain supply chain, taxation status, revenue and expenditure flow, e-commerce platform sales and other massive data and information can be aggregated, shared and analyzed instantaneously. The dimension portrays the overall picture of the operation of small and micro enterprises, and provides solutions for solving the financing obstacles caused by multiple points, wide coverage, dispersion, and information asymmetry.

  From the perspective of loan apps developed by various banks, it can not only intelligently analyze whether the company has loan conditions and the available loan quota, but also push risk information in real time in post-loan management.

  In addition to "volume increase" and "expansion", "price drop" is another key word for small and micro enterprise financing in 2020.

Data show that the interest rate of newly issued inclusive small and micro loans in December last year was 5.08%, a decrease of 0.8 percentage points from the same period last year, which promoted a significant drop in the capital cost of small and micro enterprises.

  The Governor of the People's Bank of China, Yi Gang, recently stated that in 2021, we will give full play to the precise drip irrigation role of monetary policy tools and increase financial support for key tasks such as technological innovation, small and micro enterprises, and green development.

  The market expects that under the premise of grasping the risks, through the precise drip irrigation of credit policies and product innovation of financial institutions, more small and micro enterprises will achieve the first loan "breaking the ice", and more small and micro enterprises will receive continuous support to better stimulate market vitality.