Shishi Small And Micro Enterprises Usher In Financing Spring

Near the end of the year, it is the busiest season for many large wholesale markets in Shishi.

"At the end of the year, it is our selling season. We need a lot of money to turn around. I worry every year at this time of year."

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In November 15th, the theme of "green channel harmonious development" launched by the Bank of Quanzhou and the Shishi Textile Industry Association has just ended. In November 25th, the theme of "building cooperation platform and serving small and micro enterprises" launched by the joint venture of Quanzhou Shishi bank and Shishi industrial and Commercial Federation will be opened.

The two activities have a common direction: that is to help small and micro enterprises.

Its background is not long ago, the Quanzhou banking regulatory sub Bureau introduced the ten measures to help small and micro help.

Helping small and supporting micro is the mission of the times

The introduction of ten measures to support the development of small and micro enterprises in Quanzhou's banking sector is a series of financial, fiscal and tax policies and measures implemented by the State Council, the China Banking Regulatory Commission and the provincial government. It is also a guide to urge the banking institutions to actively respond to the decision made by the Quanzhou municipal government to support the development of small and medium-sized enterprises and realize the "two quickening" policy of our city's economy.

Xu Yiping, director of Shishi Office of Quanzhou Banking Supervision Bureau, told reporters that the Agency organized a series of activities to support small and micro enterprises in Quanzhou's banking industry, and set up an interactive platform for banks and enterprises to promote docking of financing supply and demand, and create a favorable atmosphere for supporting the development of small and micro enterprises.

At the same time, we should continue to adhere to the credit principle of "differentiated treatment and guaranteed control", further adjust and optimize the credit structure, and focus on supporting the financing needs of small enterprises that meet the requirements of national industrial and environmental policies, expand employment, repay willingness and repay ability, and have business sustainability, consolidate and expand the achievements of financial services in small and medium-sized enterprises, and promote the sustainable development of financial businesses of small and micro enterprises.

Today, many star enterprises have been family workshops in the early days of their development, from minitype to small to medium size, until they become today's well-known enterprises.

However, compared with these large enterprises, there are many small and micro enterprises that are just starting up and crying out for food. They are facing a shortage of funds and urgently need help and support from government policies.

"Helping the small and supporting the micro is the mission of the times."

Xu Yiping said that Fujian proposed to ensure that the growth rate of loans for small and micro enterprises is higher than the average growth rate of all loans, which is higher than the average growth rate of small and micro enterprises nationwide. The ten measures adopted by the Quanzhou Banking Regulatory Commission are to achieve this goal.

Separate arrangements for small and micro enterprises credit scale

Shishi private economy is well-developed, and small and micro enterprises play an important role in it.

"In order to boost the landing of the new deal and let the small and micro enterprises of Shishi get tangible benefits, the 10 measures adopted by the Quanzhou Banking Regulatory Commission put forward specific requirements from the following aspects: improving the organizational structure, optimizing the credit mechanism, innovating financial products and increasing credit input."

Xu Yiping said.

First, in terms of credit scale, Quanzhou Banking Regulatory Bureau requires banks to increase credit input to meet the needs of small and micro enterprises.

We should implement various policies and measures to support small and micro enterprises, make full use of all preferential policies, scientifically allocate credit resources, separately arrange the credit scale of small enterprises, increase the credit input of small and micro enterprises, and do not borrow or lend loans to small and micro enterprises with good market prospects and short-term financial difficulties, effectively meet the capital needs of small and micro enterprises, and boost the pformation of economic structure and development mode through high-quality financial services.

Secondly, the regulatory authorities conduct differentiated checks on commercial banks, and support the banking institutions that make loans to small and micro enterprises account for a certain proportion of the loan balance of enterprises. They support the establishment of a number of franchise outlets in their institutional planning, and support their issuance of special financial loans for small and micro enterprises.

Loans to small and micro businesses with a single household under 5 million yuan for issuing financial bonds will not be included in the assessment scope of loan to loan ratio. The risk of small and micro businesses with a single household of less than 5 million yuan will be considered as the risk weight of retail loans.

"Through the implementation of differential assessment, stimulate small and micro businesses to expand vitality."

The responsible person said that the banking institutions should pay attention to the combination of business performance and risk management, and emphasize the risk control and management of the whole process.

Standardize fees and reduce financing costs for small and micro enterprises

Small and micro enterprises financing difficulty is still difficult to program, that is, complicated procedures and high fees.

Xu Yiping said that in order to solve this problem, the "ten measures" stipulate in terms of loan procedures:

First, banks are required to continue to improve the process of credit review mechanism, simplify the approval process, open up the "green channel" for small and micro enterprises, and improve the efficiency of credit approval.

The implementation of the "credit factory" mode will enable small and micro enterprises to standardize loan evaluation, streamline and batch operations, continuously improve the loan approval efficiency of small and micro enterprises. In view of the short, frequent and urgent characteristics of small and micro enterprises' capital requirements, we will provide one-stop service for small and micro enterprises from application to use, reduce the approval process, further improve the credit management mode, optimize the financial service process, and continuously improve the level of loan fine management.

Two, we need to standardize the charging behavior and reduce the financing cost of small and micro enterprises.

The departments concerned require all banking institutions to rationally determine the differential loan interest rate according to the specific conditions of small and micro enterprises, and to implement preferential interest rates for small and micro enterprises with good prospects, good credit records, small orders and marketable businesses, reduce the financing costs of small and micro enterprises, further improve the pricing mechanism of loan interest rates for small and micro enterprises, clean up and correct unreasonable charges for financial services, prohibit the collection of commitment fees and fund management fees for small and micro enterprise loans, strictly limit the fees for financial consultancy fees and consulting fees to small and micro enterprises, and prohibit the occurrence of such phenomena as loan sales, insurance, funds and other unreasonable loans, and unreasonable charges in disguised form.