＂Dare to lend, be willing to lend, be able to lend, and be able to lend＂ financial ＂combination boxing＂ to protect market players

Si Haiying Zuo (Xinhua News Agency)

　　By the end of July this year, the loan balance of small and micro enterprises nationwide was 40.83 trillion yuan, an increase of 10.62% compared with the beginning of the year & mdash; This is the transcript of financial services for small and micro enterprises this year. Small and micro enterprises are the main components of the market with over 100 million households in China, and they are also the capillaries of the market economy. However, in the past, banking financial institutions were reluctant to lend, afraid of lending and unwilling to lend to small and micro enterprises. In recent years, the relevant departments have introduced a series of differentiated policies from the aspects of credit supply, capital supervision, bad tolerance and due diligence exemption, so that banks can "dare to lend, be willing to lend, be able to lend and be willing to lend".

　　Growth rate and number of small and micro loans in Shuang Sheng

　　This year, the first batch of supply chain bills in China, the first standardized bill for private enterprises, and the Suzhou Experimental Zone for Digital Credit Investigation of Small and Micro Enterprises … … In Jiangsu province, where the number of small and medium-sized enterprises exceeds 3 million and accounts for more than 90% of the total number of enterprises, these financial innovations have continuously broadened the financing channels for small and medium-sized enterprises.

　　Guo Xinming, president of Nanjing Branch of China People’s Bank, said that through the long-term mechanism and capacity building of "dare to lend, be willing to lend, be able to lend", the related work has achieved remarkable results. At the end of July, the balance of local and foreign currency loans of financial institutions in the province was 15.1 trillion yuan, up 16.4% year-on-year, and the growth rate was 1.8 percentage points higher than that of the same period last year.

　　In Sichuan Province, there are more than 4.8 million individual industrial and commercial households, accounting for more than 70% of the market participants. The People’s Bank of China, together with the Market Supervision Bureau and the Private Office, launched the "Financial Manna" action plan for individual industrial and commercial households, focusing on individual industrial and commercial households without loans, and carried out the cultivation of first loan financing; Promote the improvement of financing level for individual industrial and commercial households with loans. By the end of July, the loan balance of individual industrial and commercial households in Sichuan was 284.5 billion yuan, a year-on-year increase of 14.8%, which was higher than the average growth rate of various loans. The number of new loan households is 58,000.

　　"Under the guidance of supervision and the joint support of various policies, banking financial institutions have continued to increase innovation, and the credit supply of small and micro enterprises has shown a rapid growth trend." Mao Hongjun, the first-level inspector of China Banking and Insurance Regulatory Commission inclusive finance Department, said.

　　The data shows that as of the end of July this year, the loan balance of small and micro enterprises nationwide was 40.83 trillion yuan, an increase of 10.62% over the beginning of the year. Among them, the balance of Pratt & Whitney small and micro enterprise loans with a total credit of 10 million yuan or less per household was 13.91 trillion yuan, nearly doubling the balance compared with the beginning of 2018; Compared with the beginning of the year, the growth rate was 19.2%, which was 10.43 percentage points higher than the growth rate of various loans; The number of households with loan balance was 23,971,600, an increase of 2,852,300 compared with the beginning of the year, and the goal of "Shuang Sheng" in terms of growth rate and number of households was achieved in stages.

　　"Dare to lend and be willing to lend" adds endogenous motivation

　　In the past, small and micro enterprise loans often faced such problems. "Why are the grassroots institutions and personnel of banks reluctant to lend and unwilling to lend? Because it is not cost-effective, low performance or no performance. Why are you afraid of lending and afraid to lend? Because of the high non-performing rate and fear of accountability. Establishing and improving the mechanism of lending to small and micro enterprises is, in the final analysis, to solve the endogenous motivation problem of banks serving small and micro enterprises. " Mao Hongjun said.

　　In recent years, China Banking and Insurance Regulatory Commission has issued a series of differentiated regulatory incentive policies and guiding measures in the aspects of capital, internal assessment, risk management and due diligence exemption, so as to solve the problems of reluctance to lend and fear of lending.

　　For example, the differentiation of funds, that is, by guiding the internal capital transfer pricing of commercial banks to give preferential loans to small and micro enterprises, solves the problem that small and micro loans at the grassroots level of banks are not cost-effective. At present, national commercial banks give loans to small and micro enterprises at least 50 basis points in the internal fund transfer pricing, and some banks’ preferential efforts have reached more than 100 basis points.

　　In terms of risk management differentiation, the regulatory policy has clearly stated that the non-performing rate of inclusive small and micro enterprise loans can be higher than the tolerance of non-performing rate of various loans within 3 percentage points. In view of this year’s epidemic situation, it is especially proposed that commercial banks can appropriately increase the tolerance of non-performing loans to branches in areas seriously affected by the epidemic situation.

　　"These differentiated guiding policies and requirements, we have specially set indicators for assessment, in order to supervise the ‘ Baton ’ Guide and urge banks ‘ Make up short board and forge long board ’ Continuously deepen the construction of institutional mechanisms. " Mao Hongjun said.

　　Strong service skills of "being able to lend and lending"

　　"Dare to lend, willing to lend" is mainly a mechanism problem, while "ability to lend, will lend" is more a problem of ability, which requires the professional service ability of banks.

　　Focus on solving the problem of "no loans". In Sichuan, the People’s Bank of China supported corporate institutions to replenish capital through multiple channels, eased the constraint of capital on credit growth, and used the central bank’s refinancing to increase banks’ low-cost loanable funds. At the end of August, the province’s refinancing balance increased by 63.2% year-on-year. From January to August, banks in the province put 232 credit products into the market, including 71 credit loan products.

　　Improve the professionalism of banking institutions’ "meeting loans". In Jiangsu, banking institutions actively carry out financial product innovation of small and medium-sized enterprises, and improve the financial service ability of "direct access to small and micro enterprises". By the end of July, 107 banking institutions in Jiangsu Province had lent 101.2 billion yuan to 105,000 small and medium-sized enterprises relying on 230 online financial products. At the same time, actively promote credit models such as "accounts receivable pledge financing", "micro-loan technology" and "credit factory" to help small and medium-sized enterprises "increase their credit coverage".

　　For talents, technology, products, information, etc., the regulators also actively promote the professional capacity building of banks. For example, in terms of technology, big data is used to help solve the bottleneck of "lack of information and lack of credit". Let banking financial institutions widely connect with information and data related to enterprises in the public sector, develop big data risk control models, conduct customer exploration, access and credit granting, and accurately "portrait" customers. On this basis, we will promote the "small micro-fast loan" model of online processing in the whole process and centralized approval of risk control in the background, effectively expanding the service coverage of small and micro enterprises. (Reporter Li Wei)