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    CBRC: Promoting The Sustainable Development Of Small Micro Enterprises' Financial Business

    2013/7/31 16:05:00 16

    Micro EnterpriseEnterpriseBrand

    < p > national small business loans continue to achieve the goal of "two no less than". The balance of loans of small business enterprises in banking institutions reached 10 trillion yuan, accounting for 29.3% of the loan balance of enterprises, accounting for 18.4% of the total loan balance. The balance of loans for small businesses increased by 25.1% over the same period last year, 8.7 percentage points higher than the average growth rate of all loans; < /p >
    < p > recently, the CBRC issued the supplementary notice on supporting commercial banks to further improve the financial services of small and micro enterprises, and continued to strengthen and implement the spirit of relevant policies of the State Council and promote the sustainable development of small micro enterprises' financial business. < /p >
    < p > the "Supplementary Notice" put forward a more specific and differentiated regulation and incentive policy on the basis of the earlier notice on supporting commercial banks to further improve the financial services of small enterprises. The main contents include: < /p >
    < p > to further clarify the objectives of improving the financial services of small and micro enterprises. It is required that commercial banks strive to achieve loan growth of small micro enterprises not less than the average growth rate of all loans, the increment is higher than that of the same period of last year, and the credit support for small and micro enterprises with a single household credit amount of 5 million yuan (inclusive) is mainly increased. < /p >
    < p > further refinement of the admission criteria for small and micro enterprises financial services institutions. On the basis of comprehensive assessment of bank risk management and control level, all banking regulatory bureaus require the commercial banks of small and micro enterprises to reach a certain percentage of the proportion of the average credit balance at the end of the last 6 months, allowing them to prepare for the construction of sub branches in cities in batches. The time interval between the two batch applications should not be less than 6 months. < /p >
    < p > further clarifies the conditions for commercial banks to issue special financial bonds for small and micro enterprises. In addition to meeting the relevant laws and regulations and prudential regulatory requirements for issuing financial bonds, commercial banks that have reached the first goal for small micro enterprises can apply for issuing special financial bonds, while requiring regulatory departments at all levels to conduct dynamic monitoring and sampling surveys on the flow of funds raised by commercial banks. < /p >
    "P >" the calculation principle of the weight of the loan risk of small and micro enterprises. According to the relevant provisions of the capital management measures of commercial banks, the preferential risk weight of 75% is applied under the weighting method, and the internal capital rating method is used to compare the capital regulatory requirements of the preferential loans applied to retail loans. < /p >
    < p > standardize the loan fees of small and micro enterprises in commercial banks. In addition to syndicated loans, commercial banks are not allowed to collect commitment fees and capital management fees for small and micro enterprises loans, and strictly restrict the collection of financial advisory fees and consulting fees for small and micro enterprises. < /p >
    < p > supplemental notice further clarifies the key supporting objects, supports more commercial banks to strengthen credit support for small micro enterprises through more specific differential supervision and incentive policies, and improves the operability of policies. It will help commercial banks to optimize their credit structure and improve their ability to serve small and micro enterprises, which is of great significance for promoting the sustainable development of small and micro enterprises, promoting industrial upgrading and economic restructuring. < /p >
    < p > it is understood that the national small business loans continue to achieve "two no less than" target, the banking industry financial institutions small business loans balance reached 10 trillion yuan, accounting for 29.3% of the enterprise loan balance, accounting for 18.4% of the total loan balance. The balance of loans for small businesses increased by 25.1% over the same period last year, 8.7 percentage points higher than the average growth rate of all loans, an increase of 11740 yuan compared with the beginning of the year, an increase of more than 23 billion 700 million yuan over the same period last year, and 3 consecutive years of two goals. At the same time, individual business loans with micro entrepreneurs and individual industrial and commercial households have been growing steadily. < /p >
    < p > the national personal business loan balance is 4 trillion and 600 billion yuan, an increase of 21.2% over the beginning of the year. The proportion of personal business loans in all loans has also increased, rising from 7.8% at the end of last year to 8.8% at the end of 8 this year. From the perspective of comprehensive small business loans and personal business loans, the credit balance of small micro enterprises has accounted for 27.2% of the total loan balance. < /p >
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