Old tasks meet new challenges, this is a “must answer question”
Heartful people have noticed that the Office of the Finance Committee of the State Council recently issued 11 financial reforms Measures, the first of which is the introduction of the “Measures for the Supervision and Evaluation of Financial Services of Small and Micro Enterprises in Commercial Banks”. Of the 11 financial reform measures, why did the Financial Commission put this first?
As the name implies, this document is to solve the problem of insufficient strength of commercial banks to serve small and micro enterprises. It is the timely time for financial support to protect market participants and employment under the current complex situation. Act of.
In fact, strengthening financial services for small and micro enterprises in commercial banks is both an old task and a new challenge.
As we all know, financing for small and micro enterprises has always been a “big boss” problem. Especially in recent years, under the downward pressure of the economy, the life of small and micro enterprises has not been easy. To this end, the state has attached unprecedented importance to the financing of small and micro enterprises, and regulatory authorities have introduced many measures.
Since the beginning of this year, affected by the new coronary pneumonia epidemic, many small and micro enterprises have been struggling to survive, and the need for bailout financing is more urgent. Many of the “six guarantees” tasks proposed by the state are inseparable from the smooth operation of small and micro enterprises. This requires small and micro finance to play a greater role.
From the data point of view, at the end of April, the national inclusive small and micro enterprise loan balance was 12.79 trillion yuan, a year-on-year growth rate of 27.34%. Despite the large increase, the proportion of total loans is only about 7%, and there is still much room for improvement.
From a macro perspective, the main body of financing support for small and micro enterprises in my country is still commercial banks, and most of the external financing of small and micro enterprises comes from bank loans. To ease the financing difficulties of small and micro enterprises, it is necessary to seize the main body of commercial banks, and it is even more inseparable from the guidance of the supervision baton.
Therefore, it seems that it is only the supervision and evaluation of a bank’s business.The task of “guarantee” is related to whether or not tens of millions of market entities can successfully overcome the difficulties. The importance of this document is self-evident.
“Symptom treatment” financing “pain points”
So, what are the new tricks for this upcoming regulatory document?
According to the draft solicitations disclosed by the China Banking and Insurance Regulatory Commission, this regulatory evaluation method integrates previous regulatory requirements, covering credit lending, system and mechanism construction, implementation of key regulatory policies, products And service innovation, etc., can be said to be the most comprehensive and systematic requirement for banks to serve small and micro enterprises.
If the evaluation method is regarded as an examination outline for the financial services of small and micro enterprises in commercial banks, the “test sites” for supervision are all the “pain points” for the financing of small and micro enterprises. Symptomatic treatment”.
Symptomatic treatment 1: Attach importance to “first loan”. Difficulties in financing small and micro enterprises are a common problem, but not all small and micro enterprises have difficulty in financing, among which start-up companies are the most difficult to obtain the first loan.
Current bank credit coverage for small and micro businesses is around 20%. In the face of the reality of many enterprises “craving thirst” under the influence of the epidemic, banks need to actively explore the needs of enterprises and increase the credit supply to the first lenders, rather than excessively granting credit to small and micro enterprises.
Symptomatic treatment 2: Improve credit loans. The lack of collateral has always been a “stumbling block” in the financing of small and micro enterprises. At present, some banks have paid more attention to mortgage guarantees for risk prevention, which has made it difficult for many small and micro enterprises to raise funds. Increasing the proportion of credit loans is the voice of many small and micro enterprises.
Symptomatic treatment 3: stock loans should be “extended”. In view of the impact of the epidemic situation and the fact that market entities resumed production longer than originally expected, the evaluation method fully reflected the principle of “should be extended as much as possible” and paid full attention to the assessment of loan renewal.
The first loan, credit loan, and stock loan are needed by enterprises, and the regulatory authorities have thought of setting special indicators to urge commercial banks to “strengthen weaknesses and make up for shortcomings.” .
Moreover, it is understood that in view of the current reality, the forthcoming formal method will increase the weight of assessment in these aspects.
Strengthening financial services for small and micro enterprises should focus not only on corporate demands but also on bank difficulties.
Symptomatic treatment 4: In recent years, regulatory authorities have been pushing banks to implement due diligence and exemption for small and micro enterprises’ credit, but out of prudent management of risks, especially to prevent moral hazard in business operations For the sake of consideration, many banks’ due diligence exemption systems are formal and cannot really be implemented. “Bad debt must be held accountable” This “Sword of Damocles” has made grassroots credit officers always have a fear of lending to small and micro enterprises.
In view of these circumstances, the evaluation method puts forward more stringent requirements for the implementation of due diligence, for example, no special small and micro enterprise credit due diligence exemption system document has been formulated, and the regulatory interview Prompt or check, if the document is not effectively rectified in the next year’s regulatory evaluation, 5 points will be deducted; if there is no clear credit due diligence work mechanism and complaint objection channel established, 3 points will be deducted.
With the “blessing” of supervision, I believe that the worries of grassroots credit officers can be greatly alleviated.
Not only “loan”, but more important!
The evaluation method provides a “guide” for commercial banks on how to do well in financial services for small and micro enterprises, but it is worth noting that regulatory guidance does not require commercial banks Executive order for sports lending.
Difficulties in financing small and micro enterprises are related to their own characteristics, to the lack of institutional mechanisms for commercial banks, and to the imperfect external supporting environment.
Under the guidance of the supervision baton, how can commercial banks improve the product service system that meets the needs of small and micro enterprises according to their own reality, and improve the judgment of corporate value Analytical capabilities, the establishment of an effective risk management model, and the establishment of a long-term mechanism for serving small and micro enterprises are the fundamental ways. This point, the evaluation method is also clearly reflected in the assessment requirements of product and service innovation and system and mechanism construction.
Combining length and shortcomings, treating both the symptoms and the symptoms. If you can do it, you can achieve high scores and full marks in the supervisory examinations.
Of course, to solve the worldwide problem of financing difficulties for small and micro enterprises, it is difficult to achieve by regulatory incentives and constraints alone. Small and micro financial business risk compensation issues, small and medium-sized banks have insufficient capitalIssues, inadequate sharing of enterprise-related credit information, etc. require all parties to go hand in hand and work together to advance.
(Originally titled: “Don’t dare to lend? Don’t want to lend? Will not lend? Please check this “Guide” for Banking Services for Small and Micro Enterprises”)