China News Service, March 28. According to the website of the State Financial Supervision and Administration Bureau, in order to thoroughly implement the spirit of the Central Financial Work Conference, the Central Economic Work Conference and the Central Rural Work Conference, and conscientiously implement the "State Council's Implementation of Promoting the High-Quality Development of Inclusive Finance" "Opinions", focusing on the deployment requirements of the inclusive finance major article, the State Administration of Financial Supervision recently issued the "Notice on Doing a Good Job in Inclusive Credit in 2024" (hereinafter referred to as the "Notice").
The "Notice" points out that the inclusive credit work in 2024 must be based on the requirements of serving high-quality development, firmly grasp the political and people-oriented nature of financial work, deepen the structural reform of the financial supply side, optimize the allocation of financial resources, and form a solid An inclusive credit service system that is compatible with economic development can better meet the diversified financial needs of small and micro enterprises, agricultural business entities and key assistance groups.
The "Notice" clarifies the overall goals of inclusive credit in 2024, namely ensuring quantity, stabilizing prices, and optimizing structures. Guaranteeing quantity means maintaining inclusive credit support and proposing loan growth targets for small and micro enterprises, agriculture-related entities, and poverty alleviation areas in different fields. Price stabilization means stabilizing the price of credit services, guiding banks to strengthen loan pricing management, reasonably determining interest rates for inclusive small and micro enterprise loans and agriculture-related loans, and promoting a steady but moderate decrease in comprehensive financing costs. Optimal structure, that is, optimizing the credit structure. Strengthen the legal person service capabilities for small and micro enterprises, increase first-time loans and renewal loans, actively develop small credit loan products, and promote the revolving loan model of borrowing and repaying at any time; highlighting the support for technological innovation, specialization, specialization, and green development of small and micro enterprises For low-carbon development, we will strengthen the credit supply guarantee for small and micro enterprises in the upstream and downstream of key industrial and supply chains, foreign trade, consumption and other fields, and increase credit investment in key food fields, people who have been lifted out of poverty and other groups.
The "Notice" requires banking financial institutions to improve their systems and mechanisms and maintain resource investment in inclusive credit business through separate credit plans, preferential performance assessment, and preferential pricing of internal fund transfers. Enhance digital operation capabilities, optimize credit approval models, and build a "credit +" service model. Continue to expand the scope of rural mortgages. Maintain full coverage of basic financial services in rural areas and promote the improvement and upgrading of basic financial services in rural areas. Improve the convenience of financial services for specific groups such as the disabled and the elderly. Refine the due diligence exemption standards, mechanisms, and processes to improve operability.
The "Notice" clarifies work requirements around credit information sharing, financing docking, experience summarization and publicity, and urges the strengthening of coordination and linkage to enhance the sense of access to financial services for small and micro enterprises, agricultural business entities and key assistance groups.