China Banking and Insurance Regulatory Commission: Ensuring the incremental expansion of loans to individual industrial and commercial households
Further tilt credit resources to areas severely affected by the epidemic
□ Speed up the formulation of implementation measures for the grassroots
□ Focus on incremental credit supply and re-energize
□ Improve and optimize financial services for outstanding problems
□ Comprehensive strategies to play “combination boxing”
Shanghai Securities News ◎Reporter Zhang Jones
On June 9, the China Banking and Insurance Regulatory Commission held a special meeting on the work of small and micro finance (television and telephone) to exchange the current financial support for small and micro enterprises and other market entities to help and develop various policies and work progress, and to arrange the next steps. The meeting pointed out that regulatory authorities at all levels and banking financial institutions should continue to increase financial assistance to small and micro enterprises and individual industrial and commercial households, and make due contributions to the completion of economic and social development goals and tasks throughout the year.
The meeting required that regulatory authorities at all levels and all banking financial institutions should seize the time window, take the lead in taking the lead, accelerate the progress of policy refinement and implementation, and focus on the following work: swiftly formulate implementation measures for the grassroots; Make efforts; improve and optimize financial services in response to outstanding problems; comprehensively implement policies and make “combination punches”.
Regarding the urgent formulation of implementation measures for the grassroots, the meeting stated that all banking financial institutions are the specific executors of the policy of deferred repayment of principal and interest, and should focus on the visibility, availability and operability of the policy, and promptly formulate detailed implementation measures; Announce the content, conditions and application channels of preferential policies to small and micro customers to improve customers’ knowledge of the policy and ensure that they know all they need to know; actively follow up to understand customer needs, and provide deferred principal and interest repayment, no principal repayment renewal according to the actual situation Loan and other services.
Focusing on the incremental supply of credit, the meeting called for continuing to achieve the goal of “two increases” in inclusive small and micro enterprise loans in 2022 to ensure the incremental expansion of loans to individual industrial and commercial households. Banking institutions must implement the credit plan for small and micro enterprises at every level, and further allocate credit resources to areas severely affected by the epidemic.
Among them, large state-owned banks should ensure that 1.6 trillion yuan of new inclusive loans for small and micro enterprises should be added throughout the year; joint-stock banks should further increase their loans to qualified places on the basis of completing existing credit plans; local corporate banks should use Make good use of policies such as inclusive small and micro loan support tools and re-lending to support small and medium-sized enterprises, and further expand the increment of inclusive small and micro enterprise loans.
The meeting made it clear that regulatory authorities at all levels should actively communicate and coordinate with local government departments, strive to introduce policies and measures that are conducive to economic development and small and micro enterprise financing according to local conditions, and promote the strengthening of credit information sharing and risk sharing. .
The meeting proposed that it is necessary to strengthen internal control compliance management and regulatory inspection, and seriously investigate and deal with irregularities that exploit policy loopholes and falsify the use of loans for small and micro enterprises to extract funds, so as to ensure that the state’s assistance policies and financial resources are truly used.
The meeting also demanded that we insist on improving the professional system and mechanism of “dare to lend, willing to lend, able to lend, and meet loans”, and to implement mechanisms such as performance appraisal, due diligence exemption, and bad tolerance at the grassroots level.
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Responsible editor: Zhang Wen
