127 banks participated in the "Micro -Assisted Plan": Cumulative loans of over 4 trillion yuan, and 70 % of small and medium -sized bank service companies

21st Century Business Herald reporter Li Yue Beijing report

On July 5th, the "Assistance Plan" promotion meeting organized by the National Federation of Industry and Commerce was held in Beijing. At the meeting, the "Report on Promotion of the Micro Plan" (hereinafter referred to as the "Report") was released. Xu Lejiang, executive vice chairman of the National Federation of Industry and Commerce, Huang Rong, vice chairman of the National Federation of Industry and Commerce, Director Ding Xiaofang, Director of the Inclusive Finance Department of the China Banking Regulatory Commission, Xing Wei, full -time vice chairman of the China Banking Association, and ICBC, Bank of China, Agricultural Development Bank, Ping An Bank, Relevant sources of online merchant banks attended and spoke.

In order to effectively alleviate the issues of financing difficulties, especially small and medium -sized enterprises, especially small and medium -sized enterprises, since March 2020, with the support of the financial regulatory authorities, the National Federation of Industry and Commerce has conducted two consecutive years with relevant associations and relevant financial institutions to help small plans to help small small plans to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small to help small, Micro -enterprise and individual industrial and commercial households should respond to the impact of the epidemic and promote high -quality development.

Recently, the National Federation of Industry and Commerce through the combination of online and offline, conducting investigations to help the micro -planning plan, summarize the typical practices of various financial institutions to implement the micro -plan, understand the financing needs and difficulties of small and micro enterprises, individual industrial and commercial households, and form formed to form formed The survey report provides a reference for deepening the effectiveness of the micro -plan.

The "Report" shows that in the past two years, a large number of financial institutions have actively responded and participated actively to continue to innovate inclusive financial products and services to make financial resources more accurately and efficiently benefit small and micro enterprises. The feeling has improved significantly. At the same time, the loan of inclusive small and micro enterprises still needs to further cover the long -tailed small and micro operators. The sharing and application of credit information related to enterprises needs to be enhanced. The support of government financing guarantee agencies for small and micro enterprises is still insufficient.

It is understood that the National Federation of Industry and Commerce will further focus on key tasks such as helping Xiaowei, Zhenqiang, Xingke innovation, and promoting employment, effectively guide financial institutions to innovate products and optimize services, and further promote new results to help the micro -plan.

127 banks have issued a total of more than 4 trillion loans

After the outbreak of the new crown pneumonia in 2020, the National Federation of Industry and Commerce, with the China Banking Association and other associations and online commercial banks launched a "non -contact loan" aid plan on March 5. Through online without contact loans, it has accumulated a total of half a year of service services. There are more than 20 million small and micro enterprises, and a total of over 870 billion yuan will be issued.

On July 30, 2021, based on the "non -contact loan" aid plan for the early stage of the National Industry and Commerce Federation, the National Federation of Industry and Commerce jointly launched the "Stable Employment , Zhenqiang and Xing Science and Technology Innovation "help micro -plan, propose banking financial institutions to give full play to the power of financial technology, focus on stable employment, revitalize the countryside, support science and technology, and launch special credit plans and support measures for small and micro enterprises to achieve financial live water "Precision drip irrigation" to the real economy. As of the end of last year, a total of over 17 million small and micro enterprises had served in 5 months, and a total of over 3.41 trillion yuan was issued.

The "Report" shows that in the past two years, a total of 127 banks have participated in the micro -plan, involving policy banks, state -owned commercial banks, joint -stock banks, urban commercial banks, rural commercial banks and private banks, etc. Loan channels are more extensive. The survey shows that of the interviewed groups that have obtained loans in the past two years, about 49.9%have obtained operating loans from two or more banks.

In the past two years, the participating financial institutions have served an average of more than 3 million small and micro customers, and a total of over 4 trillion yuan will be issued. The group gets effective financial services. Special surveys on the financing satisfaction of small and micro operators showed that 48.8%of the small and micro operators who had obtained loans were the first time they received bank operating loans from 2020 and after 2020.

70 % of small and medium -sized bank service companies

The "Report" shows that the participating institutions combine their own resource advantages and channel convenience, and carry out special support and launching essential measures to the small and micro customer groups.

In 2021, the Micro Plan of the Assistance, Industrial and Commercial Bank of China, Bank of China, Agricultural Development Bank and other state -owned commercial banks, Ping An Bank, Industrial Bank and other joint -stock commercial banks, using the advantages of extensive outlet layout and capital capacity Methods, accelerate product innovation and optimization, serve small and micro enterprises financing, and the amount of loan amount accounts for more than 70 %. Small and medium -sized banks such as Online Commercial Bank and Jincheng Bank play a scientific and technological advantage. Through online touching more long -tailed small and micro customer groups, serving small and micro enterprises account for more than 70 %, which has played a good replenishment for the coverage of the expansion and micro -planning plan. Essence

The flexibility and low cost of online channels have significantly improved the sense of gain of small and micro enterprises. Among the interviewed groups supported by loans within 2021, 49%were obtained only through online ways, 34%were obtained through online and offline methods, and 17%were obtained only through offline ways. The main reason for 65%of small and micro enterprises to choose online channels to apply for loans is to repay, flexible and convenient, and less actual interest expenses. 88%of the interviewed small and micro enterprises believe that interest rates can be affordable, and 46%of the cost of small and micro enterprises interviewed by small and micro enterprises is less than 500 yuan.

Small and micro enterprises report that in addition to the cost of interest, the comprehensive cost of online loans is low, such as saving the traffic cost of offline outlets to apply for loans, handling fees for mortgage -related materials; If you apply for a loan, there is no other cost except the interest. Various banking institutions participating in response to the micro -plan, through service models and fintech innovation, continue to improve service efficiency, and vigorously develop online financing and process innovation. The survey showed that 67%of the small and micro enterprises interviewed believed that the efficiency of financing was greatly improved, and pure online operations only took a few minutes; 21%thought it was improved, and some processes operations were available online. All processes.

Over 60 % small and micro enterprises are optimistic about the operation of the second half of the year

The survey report shows that affected the operation of small and micro enterprises and the pressure on the operation of small and micro enterprises, small and micro enterprises have encountered revenue, profit margins, and cash flow maintenance time, which is facing greater survival pressure.

From the second quarter of 2021 to the second quarter of 2022, the operating flow of small and micro enterprises was 12.4, 13.1, 12.9, 12.3, and 1.36 million yuan, respectively. From the third quarter of last year to the first quarter of this year, there was a continuous decline of 4078 yuan per quarter. It has picked up in the second quarter of this year. In terms of net profit margins, in the past five quarters, 3.2%, 2.7%, 2.5%, 1.6%, and 1.1%were respectively in the past five quarters, with an average of 0.53 percentage points decreased per quarter. In terms of cash flow status, the average maintenance period from the second quarter of 2021 to the second quarter of 2022 was 3.0, 2.9, 2.7, 2.4, and 2.6 months, respectively. Before the second quarter of this year, the average cash flow maintained each quarter was declining for 6.3 days.

At the same time, more than 70 % of small and micro enterprises have financing needs, and mainly to maintain basic operations. The proportion of small and micro financing demand has increased quarter by quarter, and 30%of the operators have encountered financing difficulties. The main difficulty is that the business scale is small and lacks financial services (24%), insufficient mortgage guarantee (20%), and too high loan interest rates (14 14 (14 %), The application procedures are too complicated (13%), the phenomenon of difficult financing, expensive financing, and slow financing still exist to varying degrees.

As governments from all levels in accordance with local actualities have introduced a series of stable economic policies and measures, small and micro enterprises are deeply encouraged, saying that it is a "timely rain". The survey shows that the interest cost of small and micro enterprises from loan from financial institutions this year decreased 36 basis points from the previous month; small and micro enterprises such as low -interest, interest -free loans, etc., and the proportion of small and micro enterprises such as rents and water grids have increased. 37%and 51%. More than 40 % of small and micro enterprises said that the operating conditions have improved, and more than 60 % of small and micro enterprises are optimistic about the operation of the second half of the year.

In addition, the survey shows whether it can get enough financing is an important guarantee for small and micro enterprises to employment and promote employment. In the first quarter of 2022, 73.4%of the respondents believed that loans had obvious role in maintaining employees.

(Coordinating: Ma Chunyuan)

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