Some commercial banks have completed the development goals of inclusive finance ahead of schedule

Some commercial banks have completed the development goals of inclusive finance ahead of schedule——

Treat small businesses as a big business

　　Our reporter Guo Ziyuan

　　In the second half of this year, in the face of the still complicated environment at home and abroad, under the background of the sharp rise in commodity prices and the cost of enterprises, how will small, medium and micro enterprises develop as an important way to stabilize enterprises and ensure employment?

This issue has attracted great attention from the Party Central Committee and the State Council.

　　In recent days, a series of financial support policies for small, medium and micro enterprises have been promulgated one after another, which has given “reassurance” to the steady operation of enterprises in the second half of the year.

The Economic Daily reporter was informed that some commercial banks have exceeded the requirement of "large commercial banks inclusive of small and micro-enterprises loan growth of more than 30%" proposed in this year’s "Government Work Report" ahead of schedule, and will continue to promote inclusive business in the second half of this year. High-quality development, dedicated to serving small businesses into a big business.

　　Continuous release of policy dividends

　　Faced with the difficulties and obstacles that small, medium and micro enterprises may encounter, a series of supporting policies have been launched one after another, and policy dividends are being continuously released.

　　The State Council executive meeting held on July 7 proposed that in response to the impact of commodity price increases on the production and operation of enterprises, it is necessary to maintain the stability of the monetary policy, enhance the effectiveness, and apply RRR cuts in a timely manner on the basis of not engaging in flood irrigation. Monetary policy tools have further strengthened financial support for the real economy, especially small, medium and micro enterprises, and promoted a steady decline in overall financing costs.

　　The Economic Situation Experts and Entrepreneurs Symposium held on July 12 emphasized that the recent RRR cuts are structural and pay more attention to supporting small, medium and micro enterprises and labor-intensive industries to help them alleviate financing difficulties.

　　The Politburo of the CPC Central Committee held a meeting on July 30 and proposed that to do a good job in the second half of the economic work, a prudent monetary policy should maintain reasonable and sufficient liquidity to help small and medium-sized enterprises and difficult industries continue to recover.

　　"Since 2021, the People's Bank of China has reduced the deposit reserve ratio, optimized the funding structure of financial institutions, gave full play to the precise guiding role of structural monetary policies such as re-lending rediscount and direct instruments, and continued to release the dividends of the loan market quoted interest rate (LPR) reform , To promote the increase, expansion, and price reduction of financing for small and micro enterprises.” said Zou Lan, Director of the Financial Market Department of the Central Bank.

　　From a quantitative perspective, as of the end of June 2021, the balance of inclusive small and micro loans reached 17.7 trillion yuan, a year-on-year increase of 31%, which was 18.7 percentage points higher than the growth rate of various loans in the same period; inclusive small and micro loans totaled 3,830. Ten thousand small and micro business entities, a year-on-year increase of 29.2%.

　　From a price perspective, in the first half of 2021, the contract interest rate for new loans issued by small and micro enterprises was 5.18%, 0.3 and 1.06 percentage points lower than the same period of the previous year and the same period in 2019, respectively.

Among them, the loan interest rate for small and micro enterprises with a single-account credit of less than 10 million yuan issued in May was 4.93%, a decrease of 0.3% compared with the same period of the previous year.

　　"After the central bank lowered the deposit reserve ratio of financial institutions by 0.5 percentage points on July 15, the annual funding cost of financial institutions was reduced by approximately 13 billion yuan. The transmission of financial institutions can promote the reduction of social comprehensive financing costs." said Ruan Jianhong, director of the Central Bank's Investigation and Statistics Department. .

　　Improved efficiency of inclusive financial services

　　As a direct force in promoting financial services for small and micro enterprises, financial institutions are working hard to complete the goal of inclusive financial development in the "Government Work Report".

　　In March this year, the "Government Work Report" clearly stated that large commercial banks inclusive of loans to small and micro enterprises will increase by more than 30%; guide banks to expand credit loans, continue to increase first-lending accounts, and promote loan-on-demand loans.

　　“ICBC continues to serve small businesses, develop major professions, and accomplish great undertakings. In the first half of 2021, ICBC’s inclusive loan balance exceeded one trillion yuan, with a growth rate of over 40%, exceeding the regulatory requirements, and increasing and growing at a rate. The market has maintained a relatively good trend." Liao Lin, President of the Industrial and Commercial Bank of China, told reporters.

　　Specifically, the first is to maintain stable and efficient credit supply.

Since the beginning of this year, a total of nearly 80,000 inclusive small and micro enterprises have handled deferred repayment of more than 100 billion yuan, and 30,000 inclusive small and micro enterprises have handled deferred interest payments of more than 480 million yuan, and the amount of loans involved has exceeded 20 billion yuan.

　　The second is to continue to optimize the financial supply structure.

"We focus on increasing product and model innovation, strengthening first loan, credit, medium and long-term loans, and focusing on promoting the'annual review system' and'revolving' loan model to further improve business efficiency and help companies reduce financing costs." Liao Lin Say.

　　From January to June this year, ICBC served nearly 30,000 first-lending customers, an increase of 40% year-on-year; the proportion of small and micro-enterprise credit loans and medium- and long-term loans both increased by more than 3 percentage points year-on-year, especially online credit loans Product-"Business Quick Loans" increased by more than 70% from the beginning of the year, and inclusive loans with the "borrow and repay" function accounted for more than 80% of the increase in the first half of the year.

　　The third is to improve the comprehensive service system of inclusive finance and provide integrated services of "financing, financing intelligence, and financing".

"We have independently developed a cross-border matchmaking platform called "Global Matchmaking" and opened it to global enterprises free of charge to support small and micro enterprises to find overseas business opportunities and access the global industrial chain." Liao Lin said that the platform has attracted 59 countries and regions. Nearly 20,000 companies from more than 30 industries settled in.

　　Collaboration and complementary services still need to be enhanced

　　However, it should be noted that doing a good job in small and micro enterprise services cannot be done by one family, and it is necessary to coordinate with multiple parties to "several companies".

According to the reporter's investigation, at present, various commercial banks still have certain obstacles in obtaining credit information of small and micro enterprises, and information barriers between multiple departments still exist.

In addition, how to do a good job in risk sharing is also a topic that needs further research.

　　"In April this year, with the joint efforts of the Beijing Municipal Administration and other relevant departments, we will formally integrate the renewal center, the first loan center, the right confirmation financing center and the intellectual property pledge financing center into the Beijing loan service center. A new pattern of financial services for small and micro enterprises that provides synergy and complementarity and provides all-round credit services." said Li Mingxiao, director of the Beijing Banking and Insurance Regulatory Bureau. Currently, the center is operating well, and 22 major commercial banks have long-term presence and provide more than 100 types. Credit products and services.

　　In response to the difficulties in obtaining and sharing corporate credit information, the Beijing Banking and Insurance Regulatory Bureau has established a financial public data area in the Beijing Loan Service Center, which gathers 2952 high-value data from 27 government departments and 232 categories, covering more than 2 million markets The registration, taxation, social security, real estate, patents, government procurement and other information of the subject has significantly improved the efficiency of financing connection.

　　The reporter was informed that in the future, the Beijing area will also innovate to carry out the "Supervisory Data Sharing Service Pilot". Under the premise of complying with laws and regulations and strictly protecting customer information, it will organize 16 major Chinese commercial banks within its jurisdiction to carry out public data sharing pilots. , Promote cross-bank public data query services, support banks to efficiently, quickly and accurately cross-check customer information, further alleviate the problem of bank-enterprise information asymmetry caused by inter-bank information intercommunication, and effectively improve the ability of financial services for small, medium and micro enterprises.

　　Guo Ziyuan