Zhongxin Finance, May 18. On the 18th, the State Council Information Office held a regular briefing on policies of the State Council. Mao Hongjun, head of the Inclusive Finance Department of the China Banking and Insurance Regulatory Commission, said that at present, my country's banking industry maintains a stable operation, and its risk resistance is still strong. This also provides policy space for giving play to the counter-cyclical role of supervision and solving difficulties for small and micro enterprises.
Mao Hongjun said that the recent epidemic has caused a great impact on the economic operation. Small and micro enterprises in some areas and industries seriously affected by the epidemic have been suspended for a long time, their operating income is unstable, and it is difficult to repay bank loans on schedule. Certain non-performing loan rebound pressure.
But we also have to look at this issue dialectically. We all know that the economy determines finance, and small and micro enterprises are an important part of the real economy, carrying a large number of jobs, guiding the banking industry to help small and micro enterprises to solve difficulties and help small and micro enterprises to cope with This short-term impact can only stabilize the macroeconomic market and stabilize employment, so as to fundamentally maintain the basic business market and build a solid foundation for the development of the banking industry.
So in the long run, it also ensures the quality of credit assets.
Mao Hongjun introduced that when promoting banks to increase loans to small and micro enterprises, the China Banking and Insurance Regulatory Commission has always adhered to the regulatory orientation of "promoting development" and "preventing risks", and guided banks to improve the "dare to lend, willing to lend, able to lend, and willing to lend". Long-term mechanism, establish "five special" operating mechanisms, use internal and external data resources, carry out digital transformation, improve the bank's ability to accurately "portrait" customers and effectively control credit risks.
In general, with the rapid growth of inclusive small and micro enterprise loans, credit risk is controllable.
According to preliminary statistics, as of the end of April 2022, the non-performing loan balance of inclusive small and micro enterprises in the banking industry was 447.621 billion yuan, and the non-performing ratio was 2.18%, which was the same as the beginning of the year.
Mao Hongjun said that at present, my country's banking industry maintains a stable operation, and its risk resistance capability is still strong, which also provides policy space for giving play to the counter-cyclical role of supervision and solving difficulties for small and micro enterprises.
The non-performing loan ratio of the entire banking industry was 1.82%, which was maintained at a reasonable level. The balance of provisions in the banking industry was 7.4 trillion yuan, and the provision coverage ratio reached 197.5%.
In the next step, the China Banking and Insurance Regulatory Commission will coordinate the prevention and control of the epidemic and economic development, and put forward regulatory policies to help effectively stabilize the economic market. We will broaden the channels for disposal of non-performing loans and increase disposal efforts.