Guangxi Bank awarded the credit loan amount according to the cadre level.

Jimu Journalist Zhang Hao Li Yang

On July 29, a redhead document "Notice on Promoting Consumption Promoting the Stable Growth of Economic Growth" issued by the Office of the People's Government of the Barma Yao Autonomous County of Guangxi has attracted widespread attention. The document notification was that the Barma -One Rural Commercial Bank gave the county's cadres credit. The credit lines at the office cadres, department -level cadres and ordinary staff were 1.2 million yuan, 700,000 yuan, and 500,000 yuan, respectively. Experts said that the credit line is normal business behavior, but the government is not properly disclosed, and it is easy to have negative impacts.

Local government notice (picture source: network)

Bank: The actual quota depends on personal credit reporting

On July 29, the Office of the People's Government of the Barma Yao Autonomous County of Guangxi issued the "Notice on Promoting the Stable Growth of Consumption and Stable Economic Growth". The notice states that in order to further encourage the majority of cadres and employees in Bama County to actively consume and promote the steady economic operation of Bama County, the Guangxi Bama Rural Commercial Bank of Bama has provided the overall credit of the cadres and employees of Bama County. With the consent of the county government, the credit quota of the cadres at the level was 1.2 million yuan, the credit quota of the department -level cadres awarded 700,000 yuan, and the credit quota for ordinary staff (employees) was 500,000 yuan, and the credit period was 5 years. During the validity period of credit, you can use the mobile banking at any time. You do not use the money and do not generate interest.

According to the surging news report, on the afternoon of July 31, a staff member of the Comprehensive Office of the Bama Yao Autonomous County Government Office said that the content of the relevant documents of the Internet is true, but providing bank credit to public officials is not due to the decline in local economic development. It is still a measure that the State Council has called for consumption from the perspective of promoting consumption. On the morning of August 1st, Jimu Journalists called the Panma Government Office of the General Office and the Propaganda Department of Bama to ask, and the staff did not know the matter.

A government staff member of Bama County, Mr. Liu (Hua) told Jimu Journalists that they are also discussing the matter in the past few days. Everyone thinks that this measure can indeed promote consumption, but there will be worries in their hearts. "Because government personnel are because government officials Usually income is salary. If you borrow the money, you will worry about future repayment issues, and you will not borrow it. "He said that at present someone wants to apply for this credit limit, but most of them are still watching.

Jimu Journalists called the Branch Office of the Rural Commercial Bank City of Bama. The staff said that although the document wrote different credit quotas based on different administrative levels, it is necessary to comprehensively consider factors such as income, arrears, personal credit reporting and other factors in actual credit. If you want to handle your business, it is best to go to the offline outlets of Bama's agricultural and commercial business, or call the credit staff to contact and send it to the personal credit reporting situation for evaluation. Regarding the actual interest rate of the loan, the staff said that the interest rate was different according to the amount of use, and she was not clear.

Expert: It is not recommended that the government published publicly

Professor and blog director of Zhongnan Finance College, Hu Hongbing, deputy dean of the School of Finance, introduced that the granting credit limit is a very common phenomenon for commercial banks. In the background, the individual will be portrait through big data to calculate its risk tolerance. As far as government staff are concerned, there are usually differences in income corresponding to different administrative levels. The corresponding risk resistance, consumption power, and repayment capacity are also different. It is an important reference basis for calculating credit lines.

"But through the government's publicization, different administrative levels correspond to different credit quotas, which may produce some negative effects." Hu Hongbing said that it does not advocate the practice of giving the corresponding credit quota with administrative level. The misunderstanding of the bank's "heavy officials and light people" was even interpreted as "discrimination" and "inequality".

Hu Hongbing believes that many measures have introduced many measures, including macro -level policies such as education double reduction, strict control of real estate, improving the social security system, and promoting common prosperity to encourage everyone to spend. Local governments have also launched some corresponding measures, such as Wuhan City, such as Wuhan City The government stimulates consumption by issuing consumer vouchers. By giving personal credit, it may play a certain stimulating consumption role, but this letter of granting is the same as the essential meaning of credit card. Although it can alleviate the current payment pressure, it will eventually need to return it. Getting this amount can promote consumption to a certain extent, but as far as individuals and families are concerned, advance consumption will also bring a certain pressure, and the effect of stimulating consumption is questionable.

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