Small Shoe Or Enterprise Financing Platform Will Expand Again.

Local drought is expected to ease in a round of precipitation.

Ten measures, local small and micro enterprises are expected to quench their thirst.

Yesterday, the Quanzhou banking regulatory sub Bureau issued the notice of Quanzhou banking supporting ten measures for the development of small and micro enterprises (hereinafter referred to as the notice), called for increasing effective credit investment in the financial institutions, raising the level of financial services, deepening cooperation between government, banks and enterprises, and jointly creating a new situation for our city to support the development of small and micro enterprises.

This time, the implementation of the notice has also greatly promoted the development of shoes and clothing enterprises.

Simplify approval process and expand cooperation between banks and banks

Small and micro enterprises play an irreplaceable role in promoting our city's economic growth, increasing employment, technological innovation and social harmony and stability.

The notice calls for increased credit investment in the financial institutions to meet the financial requirements of small and micro enterprises, and has a good market prospect. Small and micro enterprises with short capital difficulties will not lend money or loan to the banks in short term, effectively meet the capital needs of small and micro enterprises, and ensure that the growth rate of loans for small and micro enterprises is higher than the average growth rate of the whole department, which is higher than that of the same period last year.

Small business franchise is an important carrier of small and micro financial services enterprises.

The notice calls for extending service tentacles in the financial institutions, improving the service system of small and micro enterprises, improving the franchise construction and deepening the operation mechanism of small and micro businesses.

The regulatory authorities relax restrictions on the banking institutions of small and micro enterprises with good financial services, and allow them to build batches of sub branches in cities and support small and micro enterprises.

It is also necessary to support banks to extend branches and service outlets to counties and communities, giving priority to the establishment of branches in counties and townships.

The notice calls for streamlining the approval process in the financial institutions, opening up a green channel for small and micro enterprises, strengthening the cooperation between banks and government, optimizing the service environment of small and micro enterprises, expanding the cooperation between banks and banks, alleviating the problem of guarantee for small and micro enterprises, and actively paying attention to the impact of the financing guarantee industry's environmental construction, risk compensation mechanism and relevant state supporting policies on the development of the industry. According to the actual situation of financing guarantee, Institutional Firms governance, risk management and control, compliance with law and operation, and capital, credit and business performance, the depth and breadth of cooperation are reasonably determined.

Increasing credit mix meets small and micro demand

The credit products of small and micro enterprises are important bridges for the docking of banks and enterprises. The key to the deepening cooperation and successful docking between banks and enterprises is whether the bridge is smooth or not.

In recent years, the financing demand of small and micro enterprises, apart from the commonness of "short, frequent and urgent", has become increasingly prominent in terms of its new features such as industrialization, regionalization, networking and intangible assets financing.

The notice calls for innovative financial services in the financial institutions to meet diversified needs of small and micro enterprises.

According to the differences of financing main body, financing quota, financing period and guarantee mode, we should actively explore diversified financial products, such as innovative industrial chain financing, special mortgage, movable property pledge, pledge of rights, export credit insurance policy and so on, which will increase customer's selectivity, emphasize product pertinence and improve the effectiveness of service.

The circular calls for regulating fees in the financial institutions, reducing the financing costs of small and micro enterprises, making clear the strategic positioning, paying attention to the continuous development of small and micro businesses, implementing differential assessment, stimulating the development of small and micro businesses, and supporting the banking institutions in the small and micro enterprise loans that account for a certain proportion of the loan balance of enterprises. It supports the establishment of a number of franchise outlets in the institutional planning to support the issuance of special financial loans for small and micro enterprise loans, and the small and micro enterprise loans with a single household of less than 5 million yuan against the issuance of financial bonds will not be included in the scope of the deposit loan ratio assessment. The risk of small and micro enterprises loans with a single household of less than 5 million yuan will be regarded as the risk weights of retail loans.