Practice the "hard work" of serving small and micro enterprises (financial view)

Small and micro enterprises are the main forces to absorb employment and the vital force of economic development. In recent years, the financial system has introduced a series of measures to support the development of small and micro enterprises and has achieved positive results. According to the data released by the China Banking Regulatory Commission, at the end of the first quarter of this year, the loan balance used by banking financial institutions for small and micro enterprises was 53.4 trillion yuan, of which the loan balance of inclusive small and micro enterprises with a total credit of 10 million yuan and below was 206,000. 100 million yuan, a year -on -year growth rate of 22.6%.

Since the beginning of this year, the complexity, severeness, and uncertainty of my country's economic development environment have risen. Some small and micro enterprises have faced greater operating pressure, which is more important to strengthen financial support for small and micro enterprises. A few days ago, the People's Bank of China issued the "Notice on Promoting the Establishment of Financial Services for Small and Micro -Enterprises Dare to Loan the Loan Loan Council"; the China Banking Regulatory Commission held a meeting of small and micro finance work (TV telephone), and proposed to adhere to the improvement of "dare to dare Professional institutional mechanism for loan loan and loan ". Based on the current or long -term, it is of great significance to establish this long -term mechanism.

Small and micro enterprises have a small scale and relatively weak anti -risk capabilities. The cost of small and micro financial risk control is one of the reasons for financial institutions to "dare to loan" and "unwilling to loan". How to resolve the problem? On the one hand, we must continue to improve the industry -related management system, improve the mechanism of risk dispersion, formulate differentiated assessment standards, and enhance the willingness of financial institutions to carry out small and micro financial business; on the other hand, financial institutions themselves must strengthen technology empowerment, strengthen product innovation, etc. , Improve the "internal power" of serving small and micro enterprises.

Improving the ability of small and micro enterprises for financial services is inseparable from the use of scientific and technological means. Farmers want to loan, satellite survey as a "staff"; strengthen cooperation with Internet platforms, accurate portraits of small and micro customers, realize money from "cloud", accurately help small and micro ... In recent years, financial institutions have increased financial technology innovation and promoted to promote Digital transformation has improved the efficiency of risk assessment, reduced business risks and costs, and continuously improved small and micro financing coverage. In the future, we must use technical means such as big data, cloud computing, artificial intelligence and other technical means to innovate risk assessment methods, improve the efficiency of loan approval, and allow financial institutions to better provide services to small and micro enterprises.

Increasing the ability of small and micro enterprises for financial services, innovative specialized financial products are an important trick. For example, relying on the core enterprises of the industrial chain, the rights of accounts receivable, prepayment, inventory, warehouse receipt and industrial pledge financing business can not only accurately meet the financing needs of the enterprise, but also effectively reduce business risks. Financial institutions should promote the innovation of financial product in accordance with the characteristics of the life cycle of small and micro enterprises, the industry, and the trading scenario, and better solve the problem that the traditional financing model is not suitable for small and micro business.

Improving the ability of small and micro enterprises in financial services, and solving information asymmetry is also the meaning of the problem. Some local financial institutions have strengthened cooperation with the local industrial and information departments, and accurately connect to the service "specialized new" SMEs and new agricultural business entities through relevant enterprise lists; some financial institutions have cooperated with the tax department to strengthen tax information sharing. Comprehensively and accurately grasp the true business status of the enterprise. In the future, financial institutions should deeply tap their own financial data and external information resources, give play to the role of the basic database of financial credit information, make precise portraits of small and micro enterprises, and accelerate the sharing of credit information -related information -related information.

In short, financial institutions take the "hard work" of strengthening scientific and technological empowerment, innovative financial products, and strengthening information sharing. Be better to help stabilize market entities, increase employment and entrepreneurship, and promote economic development. (Qu Xinming)

Source: People's Daily Online

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