Small micro-enterprise loans to accelerate bank lending risk reduction
Shanghai will explore the establishment of a multi-level financing service support system, to ease the problem of financing small and micro enterprises. Held yesterday, the Shanghai small micro-enterprise financing services work meeting, the reporter was informed that the city will rely on the county industrial park, Jiezhen, professional market, trade associations and other institutions, to build a small micro-enterprise financing service platform.
This year, the domestic economic growth slowed, small and micro enterprises facing operating pressure, rising costs, financing difficulties. Meanwhile, with the rise of small and micro enterprises accounts receivable and product inventory, financial institutions, small micro-enterprise loans bad debt risk is also increasing. The face of the bank-enterprise information asymmetry and financial institutions to small and micro credit business to carry out difficult problems, there is an urgent need to form a support system of financing services to adapt to the current status quo of small and micro enterprises set.
Shanghai Changning, Xuhui District, has carried out some useful exploration. Changning with Minsheng Bank Shanghai Branch was established Changning District urban commercial cooperatives of small and micro enterprises, each street has bureaus. Banks do not understand the business conditions, resulting in the approval cycle, standards and strict, the region Jiezhen actively provide non-financial information to the bank, including the operating life of the enterprise, the integrity of the case, the tax situation, family, school employment situation. As a result, banks can be integrated consideration of the real situation of enterprises and small and micro enterprises change from strangers relationship to the "acquaintance", small and micro enterprises to get loans faster, the risk of bank loans is also reduced.
Summarize the basis of absorbing these experiences the multisectoral will jointly issued guidance on the promotion of small and micro enterprises financing service platform. Districts (counties) will rely on existing SME service center, build a district (county) a small micro-enterprise financing service platform. Meanwhile, streets, towns, industrial parks, professional market as the carrier, respectively, financing services to small and micro enterprises Reception Center. Shanghai Zhangjiang, Yangpu and the Zizhu three park will build the technology SME financing service platform. The newly created financing service platform will be responsible for the financing of small and micro enterprises counseling and Acceptance, a preliminary screening of the credit application business credit, approved by the enterprises to fill the tax, which recommended quantities to the appropriate commercial banks.
It is reported that the city has been continuous introduction of a number of policies, and gradually form a joint force of the policy to promote the development of small and micro enterprises.
Since the fourth quarter of last year, Shanghai has invested three special financial funds, including equity investment in commercial financing guarantee institutions special funds 10 billion Technology Credit risk compensation of 1 billion yuan of special funds, as well as explore the establishment of Bank investment loans "," insurance "linkage mechanism of the special funds of 10 billion yuan. In June this year, the City, the tax authorities, the Municipal Finance Office in conjunction with the Shanghai Banking Regulatory Bureau to develop the credit risk of small and micro enterprises in Shanghai compensation methods. Recently, the three departments will also release the "Shanghai 2012 small micro-enterprise credit reward assessment methods. In the case of risk compensation and bonuses simultaneously, commercial bank credit to small and micro enterprises in the city is expected to further strengthen efforts to put.
Municipal Committee, vice mayor Mr. Tu, attended the meeting and delivered a speech.