China News Agency, Beijing, January 9th (Reporter Liu Liang) A new research report pointed out that in recent years, with the continuous introduction of China's inclusive financial measures, small market players (ie small and micro enterprises and individual industrial and commercial households) "financing Difficult and expensive financing" problems have been alleviated.

　　On the 9th, WeBank, China's first Internet bank, and Postal Savings Bank of China jointly released a survey report on the demand for inclusive finance of small market players in the service industry.

The report conducts a sample survey on the financing needs of 2,733 small and micro enterprises and individual industrial and commercial households in 11 provinces in China in the past three years, covering small market players such as wholesale and retail, accommodation and catering, transportation, warehousing and postal services More concentrated service industry.

　　The report shows that in recent years, under the challenges of the epidemic and the complex and severe international environment, the proportion of capital demand of small market entities has continued to rise.

The proportion of "want to borrow" and "dare to borrow" is high, and it is relatively easy to "get a loan".

　　The report shows that compared with 2019, the proportion of small and micro enterprises and individual industrial and commercial households with capital needs in 2022 will increase by 29.2% and 10.4% respectively.

In 2022, the average capital demand of all sample small and micro enterprises will be 2.708 million yuan (RMB, the same below), a year-on-year increase of 21.1%, and the average capital demand of sample individual industrial and commercial households will be 474,000 yuan, a year-on-year increase of 4.5%.

　　Among the small market players who are willing to borrow, 67.3% of the respondents will apply for loans on banking institutions or Internet platforms in 2022. Among them, the proportion of small and micro enterprises daring to borrow is even higher, reaching 76.1%. 50.1%.

　　The report shows that more than 92% of the sample small market entities that applied for loans successfully obtained loans, and it is relatively easy to get a loan.

Among them, 63.1% of the sample small and micro enterprises successfully checked out all the quotas, and 31.7% checked out part of the quotas; the proportions of sample individual industrial and commercial households were 58.3% and 28.9% respectively.

　　The report pointed out that inclusive financial measures can help alleviate the problem of "difficult and expensive financing" for small market entities, and the key lies in "precise benefit".

The report suggests that policy stability and predictability should be enhanced to help small market entities reduce operating costs and optimize business strategies; encourage small market entities to continue to improve their online operating capabilities and expand multiple income channels; financial institutions, government departments More measures are needed to make small market players gradually form awareness of capital planning.

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