The central bank promotes optimization of credit structure in key areas and weak links
Inclusive small and micro loans will continue to "increased in volume and expanded in price"
Beijing, March 25 (Reporter Yao Jin) The People's Bank of China recently held a symposium on the optimization and adjustment of the credit structure of 24 major banks across the country in Beijing.
The meeting held that the current recovery of my country's real economy is not yet solid, and the credit structure in key areas and weak links still needs to be adjusted and optimized.
In the next stage, the financial system must adhere to the general tone of the work of seeking progress while maintaining stability, adhere to the use of reforms to unblock policy transmission, and further enhance the ability and level of serving the high-quality development of the economy.
One is to grasp the word "stable".
In terms of total amount, it is necessary to "stable the word at the head", maintain steady growth of loans, at a reasonable level, and grasp the rhythm.
Maintain the continuity and stability of credit support policies for small and micro enterprises, strengthen the construction of financial service capabilities for small and micro enterprises, and achieve inclusive small and micro loans to continue to "increased in volume, decreased in price, and expanded."
Promote the financial system to continue to make reasonable profit transfers to the real economy, and the overall financing costs of small and micro enterprises have steadily decreased.
Adhere to the positioning of "the house is for living, not for speculation", maintain the continuity, consistency, and stability of the real estate financial policy, implement the real estate financial prudential management system, and increase financial support for housing leasing.
The second is to grasp the word "in".
Focusing on achieving the carbon peak and carbon neutral strategic goals, set up carbon emission reduction support tools, guide commercial banks to increase support for carbon emission reduction investment and financing activities in accordance with market principles, and leverage more financial resources to tilt toward green and low-carbon industries .
Commercial banks must strictly implement green financial standards, innovate industries and services, strengthen information disclosure, and adjust the allocation of credit resources in a timely manner.
Further increase support for technological innovation and manufacturing, increase the proportion of manufacturing loans, and increase credit for high-tech manufacturing.
The third is to grasp the word "reform".
Adhere to the principles of marketization and rule of law, and comprehensively consider factors such as capital investment, assets and liabilities, profits, and risk indicators in a forward-looking manner, and continue to enhance the capabilities of financial service entities.
Improve the business philosophy, enhance the level of financial technology, and strengthen the judgment of the actual credit risk of the enterprise.
While managing risks well, optimize internal assessment and incentive measures, increase credit to economically difficult provinces based on local conditions, and support coordinated regional development.