New Lending Measures To Rebuild The Confidence Of Shoes And Clothing Enterprises

Zhejiang

On the day before yesterday, two commercial banks said that in fact, the business department of the Dragon Boat Festival had already received the notice, and is now studying the specific loan policy, and will soon introduce a loan measure specifically aimed at small and medium-sized enterprises.

Because the notice has ten contents, the industry calls it "silver ten".

"Silver ten" includes: by shortening

"Silver ten" encourages commercial banks to take a first look and provides favorable conditions for commercial banks to actively develop small business loans.

For commercial banks that have realized the growth rate of loans for small businesses not less than the average growth rate of all loans and good risk management and control, they have actively supported the establishment of branches. For commercial banks with a small proportion of loans to enterprises, the proportion of loans to enterprises has reached a certain proportion.

One of the highlights of the "silver ten item" is that at present, commercial banks in China measure 100% of the general risk weights for general corporate loans, and the general risk weights of retail loans are 50%. When calculating capital adequacy ratio, small business loans, if treated as retail loans, will reduce the risk weights of 50% of small business loans, thereby alleviating the capital pressure of banks.

Guo Tianyong, director of the China banking research center of Central University of Finance and Economics, said that the issue of small business loans corresponding to the issuance of financial bonds would not be included in the scope of loan to deposit ratio assessment, which would ease the pressure on the daily average loan to deposit ratio of listed banks, solve the financing difficulties of small enterprises, and reduce the risk of non-performing loans for small businesses.

The adjustment of the risk weights of small business loans will also enhance the capital adequacy ratio of banks.

The CBRC also said that the notice will enable commercial banks to further increase their credit support to small businesses through differentiated regulation and incentive policies, which will help to optimize the credit structure, reduce the concentration of loans, promote the sustainable development of financial services for small businesses, and promote industrial upgrading and economic restructuring.

At present, the financing chain of small and medium-sized enterprises is the focus of life and death.

Recently, the small and medium-sized enterprises in Zhejiang, known as "China's private economy vane", are trapped in the "capital chain crisis".

20% of the more than 30 SMEs in Wenzhou have been shut down or halt, while Jiangnan leather, Portman, and three flag companies have announced bankruptcy or bankruptcy in succession, and rumors of large-scale bankruptcy of SMEs have sprung up.

According to the results of a systematic survey conducted by the National Federation of industry and Commerce on 16 provinces in Guangdong, Zhejiang and Jiangsu, the situation of small and medium-sized enterprises, especially small and micro enterprises, may be even more difficult than that of the 2008 financial crisis.

According to a survey conducted by the Ministry of industry in May, the profit margins of small businesses are further compressed.

This crisis has attracted high attention from the top.

In late May, the China Banking Regulatory Commission (CBRC) launched a low-key survey in Zhejiang to investigate the financing situation and regional financial ecology of SMEs.

The day before yesterday, the encouragement document was formally promulgated.