Zhongxin Finance, May 26th, according to the official website of the People's Bank of China on the 26th, the People's Bank of Starting with factors, in accordance with the principle of marketization, further deepen the supply-side structural reform of financial services for small and micro enterprises, accelerate the establishment of a long-term mechanism, focus on improving the willingness, ability and sustainability of financial institutions to serve small and micro enterprises, and help stabilize market players and stabilize Employment and entrepreneurship, and stable economic growth.
The "Notice" pointed out that it is necessary to improve fault-tolerant arrangements and risk mitigation mechanisms to enhance confidence in daring to lend.
All banking financial institutions should explore simple, objective and quantifiable internal identification standards and procedures for due diligence and exemption, and promote the implementation of the due diligence exemption system.
Accelerate the construction of a whole-process risk control management system, and improve the ability to identify, warn and deal with loan risks of small and micro enterprises.
Implement the regulatory requirements for non-performing tolerance of inclusive small and micro loans, and give priority to the write-off of non-performing loans of small and micro enterprises.
Actively carry out government-bank guarantee business cooperation, reasonably increase the guarantee magnification, simplify the guarantee process, and improve the guarantee efficiency.
The "Notice" emphasizes that it is necessary to strengthen positive incentives and evaluation and assessment to stimulate the motivation of willingness to lend.
All financial institutions should firmly establish the business philosophy of serving small and micro enterprises, and make special arrangements in terms of business strategies, development goals, mechanisms and systems, etc., to improve the adaptability of financial supply to the needs of small and micro enterprises.
Improve the cost sharing and revenue sharing mechanism, embed the interest rate quoted in the loan market into the relevant links of internal pricing and transmission, improve the level of refined pricing, and promote the stability of the comprehensive financing cost of inclusive small and micro enterprises.
Further improve and improve differentiated performance assessment, strengthen the application of policy effect assessment, and continue to optimize the local financing environment.
The "Notice" requires that we should do a good job in capital guarantee and channel construction, and consolidate the foundation of energy loans.
Give full play to the dual functions of monetary policy tools in terms of total volume and structure, make good use of RRR cuts, re-lending and re-discounting, and inclusive small and micro loan support tools, and continue to increase inclusive small and micro loans.
Scientifically formulate an annual special credit plan for inclusive small and micro loans to ensure that the growth rate of inclusive small and micro loans is not lower than the growth rate of various loans. National banks should prefer the central and western regions, areas with slow credit growth, and areas and industries severely affected by the epidemic .
The issuance of financial bonds and capital supplementary bonds for small and micro enterprises shall be increased, the securitization of credit assets shall be actively carried out, and the channels of diversified sources of credit funds shall be expanded.
Continue to improve the inclusive finance franchise mechanism, and explore the formation of a batch, large-scale, standardized and intelligent small and micro financial service model.
Strengthen the linkage between departments, carry out multi-level financing docking on a regular basis, improve financing docking efficiency, and reduce customer acquisition costs.
The "Notice" clarifies that it is necessary to promote technological empowerment and product innovation to improve the level of club loans.
Improve the tiered and classified small and micro financial service system, strengthen the use of financial technology means, rationally use big data, cloud computing, artificial intelligence and other technical means, innovate risk assessment methods, improve the efficiency of loan approval, and expand the coverage of small and micro customers.
Accelerate the promotion of enterprise-related credit information sharing applications, enrich featured financial products, and promote the mode of active credit granting and loan repayment as needed to meet the flexible loan needs of small and micro enterprises.
Play the role of the unified registration and publicity system for movable property financing, the supply chain bill platform, and the China Levy accounts receivable financing service platform to facilitate the financing of small and micro enterprises.
Give full play to the combined force of inclusive support measures and targeted support measures, and increase financial support for key areas and difficult industries.