Establish a long -term mechanism for small and micro financial services

A few days ago, the People's Bank of China issued the "Notice on Promoting the Establishment of Financial Services for Small and Micro -Enterprises Dare to Loan the Loan Loaning Mechanism", which requires to accelerate the establishment of a long -term mechanism for small and micro financial services in accordance with the principles of marketization. Small and micro financial services are long -term difficulties. In the next step, measures should be taken from various aspects, unremitting, and long -term contributions, focusing on improving the wishes, capabilities, and sustainability of financial institutions to serve small and micro enterprises in small and micro enterprises, and help stabilize market entities and stabilize economic growth.

At present, the total number of market entities in my country exceeds 150 million households, most of which are small and micro enterprises and individual industrial and commercial households. Various market entities, especially small and micro enterprises, and individual industrial and commercial households, are the main forces of my country's economic and social development, and are the main aspects of residents' employment. In recent years, my country has continued to take a series of measures, and the financing problems of small and micro enterprises have been relieved to a certain extent. However, since the beginning of this year, in the face of the spread of the epidemic spread and the dual impact of the economic downturn, small and micro enterprises and individual industrial and commercial households generally face difficulties, insufficient confidence, expected weakness, and urgently need to relieve difficulties. In this regard, from the pursuit of scale and speed to the pursuit of quality and efficiency, through the establishment of a long -term mechanism of small and micro -financial services, optimize the ecology of small and micro -financial services, and improve the effectiveness and accuracy of financial services small and micro enterprises and individual industrial and commercial households.

From a practical point of view, financial institutions have insufficient internal vitality in serving small and micro enterprises in financial institutions, but also inadequate problems with external incentives and constraints. Establish a long -term mechanism for small and micro -financial services to take both the symptoms and the treatment, comprehensively apply, and take targeted measures from the aspects of institutional mechanisms, infrastructure, product services, assessment and incentives. Specifically, we should take multiple measures. First, we must improve the assessment of small and micro financial services, relax the non -performing rates and interest rates of small and micro enterprises, and better play the role of market mechanisms. Second, we must expand the channels for the disposal of non -performing assets of commercial banks, especially small and medium -sized banks, enrich the disposal methods and means, accelerate the use of non -performing loans for small and micro enterprises, and reduce the historical burden of small and medium -sized banks to serve small and micro enterprises in small and medium -sized banks. Third, we must increase the positive incentives to commercial banks, especially small and medium -sized banks, and increase the level of small and micro finance through targeted reduction, re -loan, and discounting, while preventing excessive credit supply and misappropriation of funds. Fourth, we must give play to the role of fintech, encourage Internet banking, Internet consumer finance companies and other institutions to innovate products and services for small and micro enterprises and individual industrial and commercial households, and explore a new model of small and micro finance. Fifth, we must accelerate the construction of a unified national credit information sharing platform. Local governments must build a regional credit reporting service platform, encourage relevant agencies to launch credit reports for small and micro enterprises as soon as possible to alleviate the problems caused by information asymmetry. Sixth, we must strengthen the connection between financial institutions and small and micro enterprises, individual industrial and commercial households, and promote the popularization of financial policies, financial knowledge and credit products through regular visits and centralized training, and enhance mutual understanding and trust in banking enterprises. Financial institutions should choose suitable small and micro financial service models according to their own resource endowment.

The grass -roots organizations and front -line employees of financial institutions are a key part of small and micro financial services. The internal financial institutions should also further clarify the boundaries of small and micro -credit business responsibilities and optimize the implementation process, and establish a truly effective fault tolerance and correction and due diligence exemption mechanism. The supervisory department's accountability and punishment for small and micro enterprises and individual industrial and commercial households should be cautious. In this way, we can reduce the concerns of grass -roots organizations and employees to serve small and micro enterprises and individual industrial and commercial households, and change "refusal to loan" to "wish to loan".

Establish a small and micro financial long -term mechanism, focusing on building a small and micro financial service system with a multi -level, wide coverage, and differentiated, and different positioning of large and medium -sized banking institutions. Policy banks, large banks, joint -stock banks, urban commercial banks, rural commercial banks, agricultural credit cooperatives, and consumer finance companies, etc., should gradually build a small and micro financial service network with an open and clear division of labor with an open and inclusive spirit. For large banks, the proportion of the "first loan households" of its small and micro enterprises and individual industrial and commercial households should be increased, and the "tip phenomenon" and "extrusion effects" brought by small and medium banks due to its non -market excessive sinking. For small and medium -sized banks, more differentiated support measures should be adopted in monetary policy, capital supplementary, asset disposal, etc., supports the steady and sustainable development of small and medium -sized banks, and encourages small and medium -sized banks to better play the advantages of flexible institutional mechanisms, close to the market and customers. Precise service is good for small and micro enterprises and individual industrial and commercial households. At the same time, guide and encourage local financial organizations such as small loan companies and financing guarantee companies to play the characteristics of flexible mechanisms and fast response to provide more comprehensive services for small and micro enterprises and individual industrial and commercial households. (Dong Ximiao)

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