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WhatistheimpactoftheepidemiconfinancingandfcgmoreexpensiveforSMEs?SilverCIRCresponse

彩苞凤梨 崔洋

  What is the impact of the epidemic on financing and financing more expensive for SMEs?Silver CIRC response What is the impact of the current epidemic of financing and financing more expensive for SMEs?How to ease?Silver, head of the CIRC 8 word response!What is the impact of the epidemic SME financing and long-financing your problem?What measures can effectively alleviate?February 7, at the State Department to deal with novel coronavirus infection pneumonia epidemic joint prevention and control mechanism, held a press conference, silver China Insurance Regulatory Commission, Peoples Bank responsible for reporters question, introduced to ease the financing difficulties of small micro-enterprise financing expensive situation.With the view - Central Radio and Television Correspondents We know that the Chinese government has been trying to reduce the cost of financing small-scale private enterprises, the outbreak have any impact on our long-standing difficulties in financing small and medium enterprises and financing your problem?What measures can effectively alleviate the financing difficulties of financing small and medium enterprises and private enterprises are expensive?First Insurance Regulatory Commission Vice Chairman Zhou Liang silver, silver CIRC has always attached great importance to small micro-enterprise financing difficulty financing your question in 2020 we paid a great deal of effort in this endeavor, Pratt & Whitney of small and micro business loans in 2020 increased by 2 trillion yuan, the growth rate reached 24.6%, this growth rate is much higher than the growth rate of loans; loans to companies increased by 3.89 million households, with an average interest rate of new loans declined more than in 2020 0.69 percentage points, plus reduce the cost of other financing, the total cost of the entire comprehensive financing small and micro enterprises have more than one percentage point drop.Affected by the outbreak, many small and micro enterprises there have been some temporary difficulties, silver CIRC guide banks, insurance institutions to take a variety of measures to assist, such as many big firms and joint-stock banks to small and micro enterprises in Hubei Province lending rates based on last year down again 0.5 points.And many banks also small and micro enterprises affected by the epidemic increase in special lines of credit, the interest on overdue given relief for small and micro enterprises to provide strong financial support, which is currently an emergency situation from the point of view.We have to work hard from the root of the problem, this year we will focus on four aspects incremental, price, quality, and extending the coverage to begin to make small micro-enterprise financial services.Increment, single-family credit is $ 10 million below the Pratt & Whitney Small and micro-enterprise loans to achieve "two by" the growth rate of the loan is not less than the growth rate of the loan, the loan balance of households do not have low in the previous years level.Overall cost of the loan price, we should strive to achieve the Pratt & Whitney-type small and micro enterprises to further reduce.Upgrading, is to strive to increase the proportion of small and micro business loans in credit loans, renew loans and long-term loans.It is also troubled by a difficult enterprise.Another is extending the coverage, referring to the more new loans to invest for the first time to obtain loans from banking institutions to small and micro enterprises, it is the first to raise lending rates.Specific measures include the following aspects: firstly, to increase the effective supply.Commercial banks should separate small micro-enterprise credit program, down to every level of branches should, compaction responsibility.At the same time, play a good counter-cyclical policy bank regulatory role, to support its use financial advantage, to carry out for small micro-enterprise lending to small and medium banks and specifications.Key support to increase the delivery of small and micro enterprises for manufacturing.Bank segment guide small micro-enterprise customer base, forming a small micro financial markets compete with each other and both have focused on structure, promote financial services sink.The second is to optimize the credit structure.In the evaluation system of regulation, a special set of indicators, strengthening policy guidance, to guide banks to increase the intensity of the first mortgage and small and micro enterprises Xudai, abundant credit loans, long-term loans of products, a better match and meet the small and micro corporate financing needs.Third, to further drive down the cost of financing small and micro enterprises.Guide banking institutions reasonably determined based on the formation mechanism of LPR small micro-enterprise lending rates, supervise large banks and joint-stock banks play a role Touyan low interest rate financing, focusing on the use of the guidance and support of small lending policy banks lending to small and medium-low-cost funds banks have reduced their lending rates.At the same time, strictly investigate unreasonable charges on small micro-enterprise financing, such as loans given to keep, and we still have to intensify efforts to investigate this year.While this issue repeatedly emphasized, but there are always a number of institutions and individuals dare to touch the bottom line, so this years efforts to deal with this aspect of pulling no punches.Fourth, to further implement differentiated regulatory policy.Optimization of small micro-enterprise loans risk classification system, the full implementation of the credit policy due diligence exemption, an appropriate increase in non-performing loans of small micro-enterprises tolerance, that we are tolerant of small micro-enterprise loans to poor rate of business a little higher than normal.Establish and improve dare loans, credit and would like to be able to loans of long-term mechanism.Fifth, use of new technologies big data, cloud computing, artificial intelligence and other small and micro enterprises to enhance the quality and efficiency of financial services, further enrich our information and data, improve the small and micro business credit approval and risk control model to improve the response of credit, approval, issuance efficiency, reduce small micro-enterprise loan application costs.Sixth, strengthen the integration and sharing of credit information, because a lot of small micro-enterprise financial statements, including a number of cash flow, accounts are not complete.Next to us on credit information to integrate, that is, to deepen cooperation with the Development and Reform Commission, finance, taxation, customs, market supervision and other departments, local governments promote sound credit information platform to provide a good credit information to small and micro enterprise financing support.We believe that through these measures, to solve the financing difficulties of small micro-enterprise financing should be made more obvious your results in this year.Deputy Governor of the Peoples Bank Chairman Mr. Pan has just weeks to do a good answer, I added a few words.In this outbreak, the small and micro enterprises, private enterprises because of their relatively weak anti-risk capability, more vulnerable to the impact of the epidemic, need to take some special period of special policies.A few days ago the five ministries jointly issued a document, which includes 30 policy measures, there are many policy measures policy arrangements, how and financial support to help small and micro enterprises and private enterprises for the outbreak of the special period.The majority of our financial institutions, including banks, insurance and securities companies, politics, the overall situation, positive action, take the initiative as a number of financial institutions have introduced a lot of internal policies and measures items to help ease the financing problems of small and micro businesses.It is generally from normal times, ease the financing problems of small and micro businesses is an a service of the real economy, promote reform of the financial supply side of the complex systematic project.This work requires perseverance, long time to work.CPC Central Committee and the State Council attached great importance to the issue of financing small and micro enterprises, private enterprises, has taken a number of measures to alleviate this problem, we have achieved some results.Chairman Zhou just made it very clear in his speech,.This year as well as in the future, without a doubt, the issue of financing small and micro enterprises is still the most important work of our financial system, we need to reform and improve monetary policy, fiscal policy, regulatory and tax policies, improve the service for commercial banks to small and micro enterprises policy environment and incentive and restraint mechanisms.From the big perspective, the need to guide and encourage commercial banks to carry out upgrading works small and micro business financial services capabilities, improve resource allocation, performance evaluation, risk assessment internal due diligence exemption, finance and science and technology policy support.We should work together with local governments to improve credit information, such as risk-sharing mechanism construction.As Mr Chairman Zhou said, while the efforts of our financial management, with the joint efforts of the financial system, we persevere, to work a long time, I think this problem will be solved to some extent.

What is the impact of the epidemic on financing and financing more expensive for SMEs?Silver CIRC response