The National Federation of Industry and Commerce issued a "Aid Plan" report: 3 million small and micro enterprises a monthly average of 3 million small and micro enterprises will loan 4 trillion yuan

On July 5th, the National Federation of Industry and Commerce held a "help micro plan" promotion meeting in Beijing. Lin Zeyan, Deputy Secretary -General of the National Federation of Industry and Commerce and Minister of Economic Services, released the "Report on Promotional Situation" (hereinafter referred to as the "Promotion of the Micro Plan". The report shows that the monthly service of the financial institutions participated in the two years has exceeded 3 million small and micro customers, and a total of over 4 trillion yuan is issued.

As the vital army of my country's economic and social development, small and micro enterprises and individual industrial and commercial households are important forces to expand employment, improve people's livelihood, and promote entrepreneurial innovation. In order to alleviate the difficulty of small and micro financing, since 2020, the National Federation of Industry and Commerce and several industry associations, as well as many financial institutions such as Industrial and Commercial Bank of China, Bank of China, Agricultural Development, Ping An Bank, and Online Commercial Banks have carried out "assistance Micro plan.

According to the report, a total of 127 financial institutions have responded to the "micro -plan" in two years. In the 2021 "Micro -Assisted Plan", the state -owned and policy large -scale banks and joint -stock commercial banks issued more than 70 % of the amount of loans; private Internet banks such as online commercial banks reached more long tails through the advantages of scientific and technological advantages to reach online through online The small and micro customer group, serving small and micro operators accounted for more than 70 %, which played a supplementary role in expanding the coverage of the "help micro -plan". Among the small and micro operators who have obtained the loan, 48.8%of the first time they received bank operating loans from 2020 and later, a large number of long -tailed small micro operators who were not covered by financial institutions or insufficient coverage were valid. Financial Services.

The report shows that Industrial and Commercial Bank of China "small and micro -E loan", the Bank of China "Hui Ruyi" series, "Xiaowei Intelligent Loan" of China Agricultural Development Bank, and Ping An Bank "Xiaowei Smart Loan Star" all adopted intelligent methods. The online merchant bank provides more accurate online services to large and micro enterprises on large and micro enterprises on the supply chain through satellite remote sensing technology and map computing technology. According to the statistics of online merchant banks, the online non -contact loan "310" model with a 3 -minute application, 1 second lending, and 0 manual intervention can meet the needs of small and micro operators' loans "short, small, frequent, and urgent" needs Essence 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.

Reporter: Zheng Xinyu

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