Shenzhen Banking Insurance Supervision: The balance of loans of inclusive small and micro enterprises is 1.26 trillion yuan, an increase of 22.04% year -on -year

21st Century Business Herald reporter Hu Tianzheng Shenzhen Report

The new crown epidemic continues to affect social activities and economy in all aspects of Shenzhen. On July 29th, Beijing time, the head of the Shenzhen Banking Industry Insurance Industry (hereinafter referred to as the "Shenzhen Banking Insurance Regulatory Supervisor") said in the "Stable Economic Measures Conference of the Banking Industry in the first half of 2022" that the characteristics of Shenzhen are combined with the characteristics of Shenzhen In key areas, key links, and special groups, tailor -made support measures for bailout, stabilize the expectations of the enterprise, and help over the difficulties.

"Bao Shuangchain", "Bao Tong Bao Chang", "First Loan Service", and "bailout support" are the four prominent aspects of the move. Among them, Shenzhen Banking Regulatory Supervisory has increased credit support for industries that have been impacted by the epidemic.

As of the end of June, the banks in their jurisdictions increased their credit loans to the catering and retail industry by 63.6%and 47.0%year -on -year, respectively. Investment to wholesale and retail, transportation and warehousing and postal industry, cultural and sports, and entertainment, the loan balance of small and micro enterprises in the industry increased by 24.9%, 13.1%, and 22.7%year -on -year, respectively.

Small and micro enterprises have also received much attention. Shenzhen's banking insurance industry claims that financial support for small and micro enterprises is the focus of work, strengthen financial services guarantee, and help stabilize the economic market.

The first is to do a good job of "adding methods" and promote the expansion of small WeChat credit. As of the end of June, the loan balance of full -caliber small and micro enterprises in Shenzhen's banking industry exceeded 2 trillion yuan for the first time, reaching 2.03 trillion yuan, an increase of 16.99%year -on -year. Among them, the loan balance of inclusive small and micro enterprises was 1.26 trillion yuan, a year -on -year increase of 22.04%.

The second is to do a good job of "subtraction" and continue to make the real economy. Increase the support of foreign trade enterprises' export credit insurance, and for eligible small and medium -sized enterprises, it implements a phased fee reduction of not less than 10%on the basis of the original insurance rate. In the first half of the year, the average interest rate of the newly issued inclusive small and micro enterprise loans fell by 0.33 percentage points on the basis of the lower level of last year.

The third is to do a good job of "multiplication" and the breadth of the expansion service. For example, deepen the cooperation of silver tax and actively visit 730,000 enterprises with good tax credit in the city, and respond to demands in a timely manner. As of the end of June, the balance of "silver tax interaction" loan was 118.455 billion yuan, a year -on -year increase of 57.8%.

The fourth is to do a good job of "removing the law" to avoid multiple expenses of the enterprise. The banking agency actively undertakes some fees such as some mortgage insurance premiums, evaluation fees, and mortgage registration fees to further reduce the operating cost of the enterprise. So far this year, a total of more than 100 million yuan for small and micro enterprises and individual industrial and commercial households has reduced credit and exemptions.

The results of the insurance industry also appear in the aspect of new citizens. For example, Shenzhen's exclusive (group) medical insurance and Shenzhen exclusive critical illness insurance launched by Shenzhen Insurance Industry can pay premiums from the medical insurance account, and the product inclusive people. Since the launch, the number of insureds has reached 1.2 million Yuan.

For another example, in 2022, 39 yuan in government critical illness insurance under the Ping An Pension Insurance Shenzhen Branch has participated in the insurance, and insurance products have covered the vast majority of new citizens groups. Since 2016, China Life Insurance Shenzhen The Municipal Branch and the Civil Affairs Bureau and the Aging Office jointly launched the "Silver Age Action" to provide the elderly with low price, individual self -funded, and WeChat "silver -year -old -time -old -old" exclusive accidental accident insurance for the elderly.

The conference also announced the operation of the Shenzhen banking industry in the first half of the year.

In terms of banking industry, as of the end of June 2022, the total assets of banking industry supervised by the bureau were 1.2.01 trillion yuan, an increase of 9.35%year -on -year. The balance of various loans was 8.36 trillion yuan, an increase of 11.38%year -on -year. The balance of various deposits was 8.56 trillion yuan, an increase of 9.74%year -on -year. The scale of total assets and deposits and loans ranks third in large and medium -sized cities across the country. The non -performing loan ratio was 1.60%, which was 0.17 percentage points below the national average of the same period. The capital adequacy ratio of commercial banks remained above 14%, the coverage of the provision was 190.42%, and the loan provision rate was 3.04%.

In terms of insurance industry, as of the end of June, the bureau's total insurance industry's total assets of insurance industry were 766.988 billion yuan, a year -on -year increase of 16.41%. In the first half of the year, the cumulative revenue of the original insurance premiums was 84.235 billion yuan, an increase of 6.30%year -on -year. Among them, property insurance premium income was 23.444 billion yuan, an increase of 5.40%year -on -year, and personal insurance premium income of 60.751 billion yuan, an increase of 6.65%year -on -year. The depth of insurance rose from 5.1%at the beginning of the year to 5.6%, and the insurance density increased by 282 yuan per person compared with the same period last year.

In the insurance industry, as of the end of June, the loan balance of foreign trade enterprises in Chinese banks in its jurisdiction was 896.764 billion yuan, a year -on -year increase of 28.58%, which was 17.20 percentage points higher than the growth rate of various loans.

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