The National Federation of Industry and Commerce has a cumulative loan of more than 4 trillion yuan, and the number of small and micro customers of private banks accounted for over 70 %

Huaxia Times (chinatimes.net.cn) reporter Fu Bixiao Beijing report

Affected by the epidemic, the operations of small and micro enterprises and individual industrial and commercial households are facing a lot of challenges. The problem of financing difficulties for small and micro enterprises has become the top priority of the current work of financial institutions.

On July 5th, the National Federation of Industry and Commerce released the "Promotional Report of the" Assisting Micro Plan "" shows that the monthly service of financial institutions participating in the plan exceeded 3 million, and a total of over 4 trillion yuan was issued. Among the small and micro operators who obtained the loan, 48.8%were the first business loan of the bank in 2020 and after the 2020s and later. The interest cost of small and micro enterprises from financial institutions this year decreased by 36 basis points from the previous month, and more than 40 % of small and micro enterprises said that the operating conditions have improved.

Digital credit has achieved remarkable effects in terms of service, representing products such as "small and micro E loan" of ICBC, "Hui Ruyi" of Bank of China, and "small micro -wise loan star" of Ping An Bank. Among the groups supported by loans in 2021, more than 80%of small and micro enterprises choose to apply for loans in a combination of online or offline. Private banks such as Online Commercial Bank and Jincheng Bank also use the advantages of science and technology to reach more long -tail passenger groups, and the proportion of small and micro operators accounts for more than 70 %.

Small and micro financing pain points

Since 2020, the National Federation of Industry and Commerce has been with many industry associations, as well as many financial institutions such as Industrial and Commercial Bank of China, Bank of China, Agricultural Development Bank, and Online Commercial Bank. Essence

On July 5th, the National Federation of Industry and Commerce held a "help micro plan" promotion meeting. Lin Zeyan, Deputy Secretary -General of the National Federation of Industry and Commerce and Minister of Economic Services, released the "Report on Promotional Situation of the Micro Plan" at the meeting (hereinafter referred to as the "Report") During the two years, the monthly service of the financial institutions involved in the plan exceeded 3 million customers, and a total of over 4 trillion yuan was issued.

The continuous epidemic has brought many challenges to the production and operation of small and micro enterprises and individual industrial and commercial households. In June of this year, the National Federation of Industry and Commerce with Peking University Enterprise Big Data Research Center, Peking University China Social Science Survey Center, and Ant Group Research Institute launched the "China Little Micro Operationers Survey" in the eighth consecutive quarter of consecutive quarters. In the second quarter of the year, the quarterly operating flow of small and micro operators was about 130,000 yuan. The average cash flow was maintained less than 3 months, and the average net profit margin fell 0.53 percentage points per quarter.

The survey also shows that more than 70 % of small and micro enterprises have financing needs, and the main purpose is to maintain basic operations. 30 % of small and micro operators have encountered financing difficulties. The main difficulties are the lack of financial services, insufficient mortgage guarantee, high interest rates, and complex application procedures.

It is worth noting that small and micro enterprises urgently need financing support to maintain the size of employees. The survey showed that the number of employees of small and micro enterprises continued to decline from the second quarter of last year to the first quarter of this year, and it has risen slightly in the second quarter of this year. 73.4%of the respondents reported that obtaining credit support helps them to maintain the size of employees, and small and micro enterprises in industries such as manufacturing industries are particularly obvious.

Digital credit help Xiaowei

In the past two years, a total of 127 financial institutions have responded to the "WeChat Aid Plan", including both policy banks, state -owned banks, joint -stock banks, as well as urban commercial banks, rural commercial banks, and private banks from various places. In 2021, in the "Micro -Assisted Plan", ICBC, Bank of China, Agricultural Issuance and other state -owned and policy large -scale banks, and joint -stock commercial banks such as Ping An and Industrial, and issued loans to more than 70 %. Private banks such as Online Commercial Bank and Jincheng Bank play a scientific and technological advantage to reach more long -tailed small and micro customer groups, and the proportion of small and micro operators in the service of more than 70 %.

Digital credit has greatly improved small and micro -enterprise loans. Such as the "small and micro -E loan" of ICBC, the "Hui Ruyi" series of Bank of China, the "small and micro -intelligence loan" of China Agricultural Development Bank, the "Little Weizhi Loan Star" of Ping An Bank, and the "Sustainable and Fast and Fast fast and fast fast and fast fast Loan ", etc., all adopt an intelligent method. According to the Statistics of Industrial and Commercial Bank of China, since participating in the "Assistance Plan", ICBC has provided credit support for more than one million small and micro customers, of which 80%have handled online business without contact.

According to the relevant person in charge of the Internet Commercial Bank, since the bank was established, more than 49 million small and micro operators served the small and micro operators through digital credit. In 2020-2021 participating in the "Micro-Assistment Plan", online merchant banks have added new services to small and micro each year. The number of operators exceeds 10 million, 80%of them are operating first loan households.

There is no contact loan model on the Internet that can better meet the small and micro customers' small and high -frequency financing needs. In 2021, the average loan time of about 70%of the small and micro users of online merchant banks was within 3 months, and more than 70%of the single loan interest expenses were not higher than 100 yuan.

On the one hand, digital credit has improved the efficiency of financial services with the help of online channels, and on the other hand, it also requires digital technologies in depth in multi -links such as credit and risk control.

The bank integrates multi -dimensional information in the operation of small and micro enterprises under the premise of customer authorization to comprehensively judge its operating situation. Some banks are also exploring the innovation and utilization of diversified data, such as bank settlement of flowing water, merchant receipts data, upstream and downstream transaction data, electricity consumption, salary issuance of flowing water, provident fund payment, employment recruitment, etc. The true business status of the enterprise.

At the same time, banks provide comprehensive services to the daily operation scenes of small and micro enterprises. For example, Ping An Bank provides value -added services such as attendance management, vocational training, corporate remote infirmary, and intelligent calculation salary for small and micro enterprises through "Ping An salary". In addition, banking institutions also actively cooperate with government financing guarantee agencies. For example, Industrial and Commercial Bank of China cooperated with the State -shaped Fund to launch the "National Express Loan", and achieved the entire online processing of the guarantee link through the nationwide government financing guarantee digital platform docking to help small and micro enterprises financing to increase credit.

Small and micro effects of service

The effect of the "help micro -plan" is significant. Among the small and micro operators who have obtained the loan, 48.8%are the first to get banks' operating loans in 2020 and later, and nearly half of the small and micro customers will be obtained from two or more banks from two or more banks. Business loan.

Among the interviewed groups supported by loans within 2021, more than 80%of small and micro enterprises chose to apply for loans in a combination of online or offline. According to small and micro enterprises, in addition to the cost of interest, the comprehensive cost of online loans is also low, saving the traffic cost of offline outlets to apply for loans, and handling fees for mortgage loan -related materials.

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 quarter, obtaining low interest rate, interest -free loans, and small and micro enterprises with cost reduction and exemption of rent and water grid. %. 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 expected to be optimistic in the second half of the year.

Small and micro service has become the current key task of the banking industry. A person from the city commercial bank in a southern region told the reporter of the Huaxia Times that the bank recently responded to the requirements of the regulatory authorities and actively expanded small WeChat credit customers through active marketing and reducing interest rates. The level of serving the small and micro is also included in the assessment indicators of the business staff of the bank.

On the other hand, it is not necessary to ignore that small and micro financial services still have insufficient and need to be improved.

The survey shows that at this stage, the loan of inclusive small and micro enterprises can reach the registered small and micro enterprises, individual industrial and commercial households. In addition to 140 million small and micro enterprises and individual industrial and commercial households, there are also a large number of long -tailed small and micro operators who are engaged in operating activities but have not registered registered, such as offline small vendors, operating farmers, new agricultural business entities, truck drivers , Internet car driver, etc. The loan of inclusive small and micro enterprise is still very limited to the coverage of such people. How to serve such groups and expand inclusive financial services is an important issue facing the banking industry.

Editor -in -chief: Meng Junlian Editor: Ran Xuedong

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