On April 25, the CBRC issued the notice on further promoting the high-quality development of financial services of small and micro enterprises in 2021 (hereinafter referred to as the notice), which closely followed the theme of high-quality development, and focused on the overall goal of promoting the effective growth of the total financial supply of small and micro enterprises, and the obvious improvement of quality, efficiency and benefit, It has put forward many policy requirements for the small and micro enterprises that the bank insurance institutions serve.
Many experts said in the interview that the announcement has guided and deployed the work of banking industry to support the development of small and micro enterprises in the future from the aspects of optimizing financial supply structure, maintaining commercial sustainability of financial services, improving credit structure and quality.
Constructing the supply pattern of differentiated credit
"One of the highlights of the circular is to emphasize the differentiated positioning and orderly competition of various institutions." Dongximiao, chief financial researcher of China Federation of China and a part-time researcher of Financial Research Institute of Fudan University, said in an interview with the financial times.
"Differentiated banking institutions are the direction of development." Loufeipeng, a researcher at postal savings bank, said that different types of banks have different advantages in serving small and micro enterprises, and specific service methods will also be different.
In addition, the large number of small and micro enterprises, the wide distribution of industries involved, and the characteristics of various, are also the important reasons for the need for banks to build a differentiated credit supply pattern“ Small and micro enterprises have different demands for financial services. For banks, it is necessary to establish a multi-level, wide coverage and differentiated banking system, so that different types and volumes of banks can give full play to their comparative advantages to meet the competition of small and micro enterprises. It also helps to better play the supporting role of Finance in the real economy. " Wenbin, chief researcher at Minsheng Bank of China, said.
Experts believe that for policy banks, in addition to increasing the transfer of loans to serve small and micro enterprises, it can also adopt the way of cooperation with commercial banks.
"The advantages of the source of funds of policy banks are obvious, the cost of funds is relatively low and the term is longer, but the disadvantages lie in the asset side. Because policy banks generally have limited outlets and relatively few direct communication with real enterprises, there may be problems in the credit supply on the asset side. Therefore, these banks can give full play to their capital advantages and cooperate with other commercial banks from the asset side. " The deputy director of the national finance and development laboratory has just suggested.
For large banks, the notice specifically proposes that "the proportion of" first loan households "of small and micro enterprises should be included in internal performance indicators.
"It is suggested that the expansion of" down loan account "as performance evaluation index of large banks will help to play the role of large banks in Inclusive Finance, increase credit supply and better solve the financing difficulties of small and medium-sized and micro enterprises Wenbin thinks.
Dong also suggested that the move would help reduce the "pinch" and "squeeze out" of large banks for the small and medium-sized banks due to excessive sinking.