Special planning
In the past ten years, financial support in small and micro enterprises, “agriculture, rural areas” and other fields has continued to increase, my country’s inclusive financial development has improved significantly, and financial services coverage, acquisition, and satisfaction have improved significantly.With the development of inclusive finance, the core propositions of inclusive finance are changing from “whether there is” to “good” and “strong or not strong”, and related financial policies are gradually optimized.
On April 16, the “Media Fair” hosted by the Bank of China Insurance “Interest Finance High -quality Development SymposiumHold in Beijing.This event“Focus on the” five big articles “deeply cultivating the high -quality development of Puhui Finance”For the theme, focus on the difficulty, blocking points, and pain points that need to be resolved in the high -quality development process of inclusive finance.Inclusive Credit, Inclusive Insurance, and Pratt & P selfIs Wealth ManagementStarting in the three aspects, we discussed the issues such as how to achieve inclusive finance quality improvement and efficiency, and upgrading and upgrading.
Entering 2024, the banking system issued inclusive credit, which continued to make the real economy.However, with the new stage of economic development after the epidemic, the banks have also faced new challenges to the development of inclusive financial articles.
Recently, the State Administration of Financial Supervision and Administration stated in the “Notice on Doing a Good House for Two Puhui Credit in 2024” (hereinafter referred to as the “Notice”).At the same time, we must further improve the quality of service.At the symposium, many people in the industry said that commercial banks need to continuously improve their own service capabilities to achieve reasonable credit investment and optimize structural optimization.At the same time, it is necessary to build a “credit+” service model to comprehensively support the development of small and micro enterprises.
Insure, stable price, excellent structure
At present, the high -quality development of my country’s economy is solidly advanced, but it still faces challenges such as insufficient effective demand and weak social expectations. Small and medium -sized enterprises and agricultural -related business entities are facing certain operating pressure.
Wang Fuliang, a senior expert of the Ministry of Finance of Industrial and Commercial Bank of China, said that as economic development gradually entered the normalization after the epidemic, the financial management department launched the loan growth rate of inclusive small and micro enterprise loans from “Five large banks required 5 large banks in 2021 to strive to be 30%.The above “adjustment to” not lower than the growth rate of various loans “is more in line with the current needs of economic development.At present, inclusive credit work focuses on further adjusting the structure and attracting quality on the basis of maintaining moderate growth.
How to realize the optimization of credit release structure and improve quality?To this end, Wang Fuliang further pointed out that commercial banks need to enhance their service capabilities.On the one hand, further improve the level of digital management of banks, and explore the “synergy” of digital technology and experts and talents.On the other hand, it is necessary to further improve the level of risk control of banks and iron the adverse effects of cyclical fluctuations in credit risk.In addition, the financial management department is also vital to optimize the evaluation mechanism to improve the construction of inclusive financial services in commercial banks.
“You can’t simply have the theory of quantity and only the theory of standardization.” Wang Fuliang suggested that it can guide commercial banks to invest more resources to support the development of science and technology enterprises and consolidate the results of poverty alleviation areas to accelerate economic developmentShort board.
There are many people in the field of inclusive financial services and many customer bases. Often, there are problems with high operating costs, high risk costs, and low input and output returns. This is also a long -term challenge for commercial banks to facing financial benefits in the process of promoting financial benefits.
In response to the above -mentioned challenges, Zhejiang Online Commercial Bank Co., Ltd. (hereinafter referred to as “Internet Commercial Bank”), deputy chief of the Castle of Castle, has focused on introducing the bank’s experience to solve the problem through digital empowerment.According to Jiang Hao, the Internet Merchants Bank has established the “Len Ling” AI map system to string up the small and micro -storey shops upstream and downstream of the supply chain together, and blend the single -customer portrait portrait with the entire industry ecology., Make “credit loan no longer the” flood beast ‘”.At the same time, online merchant banks also empower rural financial services through satellite map credit technology projects, combining agricultural -related data applications with satellite remote sensing risk control systems to provide convenient and flexible mobile loan services for the “agriculture and rural” group.
At present, in the process of carrying out inclusive credit work, in addition to simply the theory of quantity and standardization, it is not possible to blindly “roll prices”.During the survey, Mo Xiugen, deputy dean of the China Inclusion Finance Research Institute of Renmin University of China, found that although some commercial banks include the interest rate of inclusive credit products, at the same time, a high application threshold is set up. Some small and micro enterprises, individual industrial and commercial householdsIt may not be able to truly obtain low -cost credit funds due to failure to meet the standards.And if the pricing of credit products in commercial banks can more reasonable risk, it will help improve the loan acquisition of small and micro enterprises.
“Commercial banks to improve the market -oriented pricing capacity of inclusive loans will help the development of inclusive finance.” Mo Xiugen said.
“Credit+”
Improving the toughness of small and micro enterprises
As the most dynamic economic cells, small and micro enterprises often require credit, but financial demand is not only credit.
The “Notice” states that the “credit+” service model is constructed, and the needs of small and micro enterprises will provide comprehensive services such as settlement, financial consulting, and exchange rate shelter.In this regard, Wang Fuliang said, “Commercial banks can not only stare at‘ credit ’for inclusive finance, and pay, settlement, deposit, insurance, wealth management, etc. must be covered.
“Small and micro enterprises are indeed ‘small boats’, business owners may just look at their peers, follow them, lack of recognition of the industry as a whole, lack of understanding of the credit status of upstream and downstream transactions, and lack of sales door.”Wang Fuliang introduced that “credit+” means that commercial banks must provide comprehensive financial services for small and micro enterprises.At present, ICBC has carried out “Thousands of Experts Entering Small and Micro” services, organized professional staff to go deep into the enterprise, provide professional and free consulting services for business owners, diagnose the financial and healthy situation of enterprises, and help small and micro enterprises on upstream and downstream transactions.Evaluate the situation.At the same time, ICBC also provides upstream and downstream matching services for small and micro enterprises.
Commercial banks are focusing on the “credit+” business, which helps improve the toughness of small and micro enterprises and the financial health of business owners, which is directly related to the well -being of people’s livelihood.
“Commercial banks need to pay more attention to the financial health of debtors and borrowers within their own risk tolerance and supervision tolerance. This is something that is related to the livelihood of small and micro -enterprise owners, and it is very important.” Wang Fuliang emphasized.
Mo Xiugen pointed out that financial health is the advanced form of inclusive finance.Financial institutions need to pay attention to whether the customer’s use of financial instruments is sufficient to cope with various daily economic expenditures, whether the financial situation can recover quickly after the impact of the epidemic situation, whether there is a good plan, and to seize the opportunities of the future.
Reporter Xu Yopeng
