At the end of August, the balance of loans in small and medium -sized enterprises in our district increased by 7.6% from the beginning of the year.

Tianshan News (Reporter Wang Yongfei) The reporter learned from the Xinjiang Banking and Insurance Bureau: Since this year, Xinjiang's banking financial institutions tilted credit resources to small and medium -sized enterprises, and the small and medium -sized enterprises in our district showed a trend of expanding quality and efficiency and price reduction. According to incomplete statistics, as of the end of August, the balance of loans in small and medium -sized enterprises in our district reached 1.46 trillion yuan, an increase of 7.6%over the beginning of the year.

Among them, the balance of small and micro enterprise loans was 723.493 billion yuan, an increase of 12.74%over the beginning of the year; the loan balance of inclusive small and micro -enterprise was 153.400 billion yuan, an increase of 16.40%over the beginning of the year; the balance of individual industrial and commercial household loans was 52.475 billion yuan, an increase of 19.03%from the beginning of the year.

The rapid growth of small and micro -enterprise loans has benefited from a series of policies and measures adopted by the Xinjiang Banking Regulatory Bureau. The bureau monitors monthly monitoring and reports the financial services of small and micro enterprises in the jurisdiction according to quarterly; institutions with a backward progress of loans and relatively high loan interest rates, promoting credit resources through interviews, issued financial supervision reminders, and supervision notifications and other forms Small and micro enterprises tilt.

In order to improve the enthusiasm of the grassroots dare to loan loans, the Xinjiang Banking and Insurance Bureau guided the banking financial institutions within its jurisdiction to earnestly implement the relevant tolerance standards. People, small and micro business departments and practitioners who have no violations of laws and regulations and regulatory regulations can be exempted from accountability. In the first half of this year, Xinjiang's jurisdiction of the Mainland -based legal person banks included the exemption of duties involving a loan of 740 million yuan in small and micro enterprises, involving 538 people.

In response to the lack of pledged goods for some small and medium -sized enterprises, Xinjiang Banking and Insurance Bureau encouraged banking financial institutions within their jurisdiction to increase credit loans, optimize the loan repayment period, promote the loan and repayment model, and gradually reduce the pledge of pledges. Excessive dependence. As of the end of August, the balance of credit loans of small and micro enterprises in the banking financial institutions within its jurisdiction was 1,000.54 billion yuan, an increase of 24.89%over the beginning of the year; the balance of small and long -term loans for small and micro enterprises was 432.589 billion yuan, an increase of 15.71%from the beginning of the year; The balance of loan business was 9.099 billion yuan, an increase of 22.98%over the beginning of the year.

In addition, Xinjiang's banking industry also actively expands the scope of pledge and enriches the financing channels of small and medium -sized enterprises. For example, in order to solve the problem of insufficient pledge of breeding enterprises and new agricultural business entities, various banking financial institutions in Xinjiang innovatively issued live livestock and poultry living loans, and the balance of 1.171 billion yuan at the end of June.

In order to help small and micro enterprises reduce financing costs, the Xinjiang Banking Regulatory Bureau has done a good job in monitoring the interest rate of inclusive small and micro enterprises in a timely manner, and the loan interest rate is significantly higher than the financial institutions that the loan interest rates are higher than the industry. Interest rates, and the dividends such as currency, tax reduction, and fiscal awards were effectively transmitted to the price of the terminal interest rate, and the loan interest rate was steadily reduced. Among them, from January to August, the Xinjiang Branch of Industrial and Commercial Bank of China achieved a reduction in loan interest rates to reduce costs of 234 million yuan.

In addition, on the basis of continuously reducing the interest rate of inclusive loan, the Xinjiang Banking and Insurance Bureau organized a special rectification operation of illegal charges involving enterprises, encouraging banks to take the initiative to bear the mortgage evaluation fee, mortgage registration fee, notarization fee, payment handling fee and bank as the bank as the bank as the bank as the bank. The insurance premiums of the first beneficiary, etc., further reduce the financing costs of small and micro enterprises.

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