Innovative products+improvement of service small and micro loans to be further taken care of by banks

Recently, the financial support policies that helped small and medium -sized enterprises for relieving difficulties have been introduced frequently. In order to implement various policies, financial institutions such as banks have actively acted and continued to increase their efforts to help enterprises.

In this regard, Wang Yifeng, chief analyst of the Everbright Securities Financial Industry, told the Securities Daily that with the densely introduced "stable growth and stable credit" measures, the bank is expected to speed up the rhythm of credit. In the early days of a new round of credit expansion, it is expected that large banks and policy banks will play the main role and increase lending on major projects with the advantages of capital costs. At the same time, the short -term loan and bill financing of public short -term loans and bills will also be obviously rushed in the short term, which is conducive to the advancement of wide credit.

Policy continues to increase

In May, the State Council issued the "Policy and Measures for the Economy" and deployed 33 measures for six aspects, of which more than 10 of them involved small and micro enterprises in bailout. On June 9th, the CBRC held a small and micro financial work topic (TV telephone) meeting. The meeting requested that in 2022 to continue to achieve the "two increases" goals of inclusive small and micro -enterprise loans to ensure the increase and expansion of individual industrial and commercial household loans.

According to the reporter's understanding, recently, corresponding financial support policies and measures have been introduced in many places. For example, the Shaanxi Banking Regulatory Bureau recently issued a notice on further the inclusive financial services work in key areas in 2022, and proposed that bank institutions in the jurisdiction should increase the monitoring and analysis of the progress of loan investment in key areas and changes in balances; Ensure that the "two increases" goals of inclusive small and micro enterprises in 2022, and the schedule of the annual credit plan order is reasonable.

On June 11, Xi'an High -tech Zone held a "First Credit" product launch promotion meeting and the "Credit Loan" promotion meeting. The problem of the first loan is difficult to play the role of credit to promote the real economy of financial services.

The reporter also noticed that many banks are also promoting the effectiveness of related work and all their efforts to increase credit. For example, Agricultural Bank recently introduced 23 measures to help small and micro enterprises for relief development, and proposed that in 2022, Puxi loans continue to maintain the goal of high -speed growth on the basis of high base numbers; The year is further reduced.

In fact, many small and micro enterprises across the country have enjoyed the policy dividend brought by the inclusive small and micro loan support tools. Guangdong Huizhou Pengchang Agricultural Technology Co., Ltd. is a leading agricultural enterprise for egg production and sales of egg products. Affected by the epidemic, the cost of production and logistics has continued to increase. After the local government departments learned this situation in the investigation of the enterprise, the Huizhou Agricultural Bureau helped the enterprise to connect with the local ICBC Huizhou Huidong Sub -branch. The bank quickly launched the "Green Channel" to complete the approval procedures. Into 40 million yuan in credit for the company.

In fact, since this year, financial institutions such as banks have continued to strengthen the relief of small and micro enterprises. According to the data released by the China Banking Regulatory Commission, as of the end of the first quarter of this year, the loan balance used by banking financial institutions for small and micro enterprises was 53.4 trillion yuan, of which the balance of small and micro enterprises with a total credit of 10 million yuan and below was 20.6. Trillion yuan, a year -on -year growth rate of 22.6%.

Innovative credit products and services

In order to meet the more flexible needs of small and micro enterprises, many financial institutions have continuously increased the innovation and upgrading of credit products and services.

"Banks are actively applying new Internet technologies to accelerate the pace of digital service innovation." The person internal leaders of Everbright Bank said that for example, Everbright Bank "Guangxintong" comprehensively uses cutting -edge technologies such as blockchain smart contracts, big data, and artificial intelligence to achieve capital to achieve capital The integration of flow, information flow, and logistics helps to solve the problem of difficulty in financing and financing of small and medium -sized enterprises.

"Securities Daily" reporter learned that in order to ensure the uninterrupted financial services during the epidemic, the Shanghai Branch of the Industrial and Commercial Bank of China relying on the digital inclusive financial service system of no contact, online, and intelligent, to provide online convenience to vast, small and micro enterprises. Safe and reliable inclusive financial services, such as "cloud services", issued 2 million yuan in fast loans to a fresh takeaway platform service enterprise through "cloud services". It is not enough to solve the problem of corporate capital turnover and ensure platform distribution service capabilities.

In order to effectively stimulate the vitality of the market entity of small and micro enterprises in foreign trade and help enterprises to stabilize orders and produce, Bank of Communications launched "foreign trade loan" products exclusive to small trade small enterprises in Shanghai to accurately facilitate the financing of enterprises, solve problems for the re -production and re -production of enterprises Essence It is understood that "foreign trade loan" is a full credit financing product that makes full use of technologies such as blockchain and big data to shorten the application process and reduce application materials. , Convenient for withdrawal, loan, repayment, no mortgage and other characteristics.

Insiders said that under the guidance of policy, financial institutions such as banks will focus on increasing credit support for key areas such as small and micro enterprises. With the improvement of the domestic epidemic situation and further recovery of economic activities, it is expected that the probability of credit in June is expected to maintain a growth momentum, and the credit structure is also expected to be further optimized.

At the same time, the securities firm gave this a positive prospects. According to CITIC Securities Research Report, considering that as the final month in the first half of the year, the bank will focus on and cooperate with policy support guidance. It is expected that credit data will continue to boost. (Peng Yan)

[Editor in charge: Wang Yuxin]

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