A person in charge of corporate business department of a city commercial bank disclosed to reporters that at present, his bank has begun to establish a negative list system of credit due diligence and exemption for small and medium-sized enterprises. As long as there is no operational error in the due diligence and credit risk control process of small and medium-sized enterprises by the credit department, if the small and medium-sized enterprises are unable to repay the loan due to the operation difficulties caused by the epidemic situation and other force majeure events, the bank will The credit department will no longer be held responsible for bad debts.
In addition, the banks are also discussing how to further improve the tolerance of SMEs, and give SMEs credit departments corresponding assessment and incentive mechanisms to encourage them to continue to expand the coverage of SMEs credit support.
However, he acknowledged that policy support alone is not enough to enhance financial and financial support for SMEs. Now, the biggest operational problem they are facing is that it is difficult to get through the credit data, production and operation data, capital turnover data of upstream and downstream of the industrial chain, and actual debt data of enterprises, which makes banks unable to fully understand the actual operation status and development prospects of SMEs, and can not accurately price the risks of investment and financing services such as loans.
Many people in the financial industry said frankly that the release of the several opinions will help to improve the basic system construction to support the development of small and medium-sized enterprises, build a long-term mechanism to promote the development of small and medium-sized enterprises, and solve many bottle necks for financial institutions to expand the credit investment and financing support of small and medium-sized enterprises.
Constructing the long term mechanism of financial and tax support for small and medium sized enterprises
Although the relevant departments have continued to issue financial and tax support measures to support the development of small and medium-sized enterprises in recent years, some of the pain points of difficult and expensive financing of small and medium-sized enterprises have not been effectively solved. The above city commercial bank to the public business department head said to reporters.
For example, the rapid settlement mechanism of microfinance disputes has not yet been established, leading to many small and medium-sized enterprises have to struggle to balance the interests of all creditors, unable to help enterprises out of business difficulties. Among them, the most common phenomenon is that many small and medium-sized enterprises have multiple loans in the development process. Once a certain loan is overdue, many financial institutions will try their best to freeze a large number of assets of the enterprise to protect the loan security. Thus, the creditors rush to collect the debts, which makes the owners spend a lot of energy to balance the interests of all parties, and have no strength to integrate resources to restore production And self hematopoietic ability.
In addition, the long-term mechanism of financial service supervision for small and micro enterprises of commercial banks has not been perfected, which makes some banks increase the credit supply of small and medium-sized enterprises while tightening the threshold of credit supply for small and medium-sized enterprises. As a result, a large number of loans flow to local high-quality small and medium-sized enterprises or small and medium-sized enterprises subordinate to large-scale enterprises.
At the same time, although the local government guarantee agencies are committed to providing loan guarantees to SMEs, the risk sharing ratio between banks and local government guarantee agencies is uneven, and the due diligence exemption system is not perfect, which leads both sides to try their best to avoid bad debts and concentrate the guaranteed loans on a small number of small and medium-sized enterprises with good business conditions.
The founder of a small and medium-sized enterprise in the research and development of new energy equipment in Central China shares this feeling.
Although the local bank has issued a number of pure credit loan products for small and medium-sized enterprises, only tax loan can be used at present (that is, the credit line is determined according to the tax situation of the enterprise in the previous year, and the credit limit of one bank is no more than 1 million yuan). Therefore, he must seek several banks to seek tax loan, so as to meet the capital needs of enterprises to expand production.
By contrast, local small and medium-sized enterprises with large corporate shareholder background or government orders can easily get the guarantee amount of local government guarantee agencies, and a bank can easily provide millions of loans. The founder of small and medium-sized enterprises said. Behind this is a large number of emerging industries, and it is still difficult for SMEs to obtain bank credit support.
The several opinions provides institutional solutions to these stubborn diseases of financing difficulties and high financing costs of SMEs. For example, in terms of financing promotion, relevant departments propose to optimize the monetary credit transmission mechanism; improve the multi-level financial service system for small and micro enterprises, encourage financial institutions to innovate products and services, develop convenient loan renewal business and credit loans, and increase the first loan for small and micro enterprises We should strengthen the supervision and incentive mechanism of financial differentiation of small and micro enterprises, improve the direct financing support system of small and medium-sized enterprises, and improve the financing guarantee system of small and medium-sized enterprises. In terms of financial and tax support, the relevant departments proposed to improve the accurate and effective financial support system, establish the National SME development fund company master fund, improve the fund management system, improve the fund market-oriented operation mechanism, guide local governments with conditions to set up small and medium-sized enterprise development fund, establish a long-term mechanism to reduce the tax burden of small and micro enterprises, and strengthen government procurement support The Interim Measures for promoting the development of small and medium-sized enterprises through government procurement shall be revised.
The head of the SME Credit Department of the above-mentioned joint-stock banks said that at present, internal efforts have been made to optimize the assessment mechanism for SMEs credit, including linking the service situation of small and micro enterprises with capital supplement, financial bond issuance, macro Prudential assessment (MPA) assessment, and assessment and appointment of relevant responsible persons of financial institutions Optimize according to the new policy, and continuously improve the long-term mechanism to support the development of small and medium-sized enterprises.
Indispensable to break through the isolated data island
In the view of many banking institutions, in order to promote financial institutions to provide comprehensive financial services to small and medium-sized enterprises in a larger scope, it is necessary to break through various information and data islands reflecting the actual development of small and medium-sized enterprises.
The biggest headache for us today is that the data is incomplete. A city commercial bank in charge of SME credit vice president revealed to reporters. Taking the tax loan as an example, they thought it was a good credit support innovative product for small and medium-sized enterprises. By determining the credit line through the tax payment records of the enterprise in the previous year, it can not only accurately assess the enterprises past profit status, but also calculate the actual production and operation scale of the enterprise according to the enterprises tax payment record, and set a more accurate credit line, so that the credit funds can flow to the entity more effectively The economy (rather than being used by entrepreneurs to buy houses and stocks).
Behind this is that banks are unable to fully grasp the latest business data of SMEs, and it is difficult to make timely assessment on industry fluctuations, sudden outbreak of other potential liabilities of SMEs, and their own radical degree of operation. The vice president said frankly. As a result, due to the credit risk control requirements, banks have to reduce the upper limit of tax loans for a single small and medium-sized enterprise to 800000 yuan. On the contrary, many small and medium-sized enterprises with good qualifications cannot obtain enough pure credit loans to meet the needs of production and operation.
It is worth noting that the relevant departments have also noticed this problem.
The several opinions clearly put forward that we will improve the statistical monitoring and publishing system of small and medium-sized enterprises, including improving the statistical monitoring system of small and medium-sized enterprises, regularly publishing the statistical data of small and medium-sized enterprises, establishing the investigation and statistics system of financing status of small and medium-sized enterprises, compiling the financial condition index of small and medium-sized enterprises, and exploring the use of big data to carry out monitoring and analysis of the operation of small and medium-sized enterprises.
In the view of many bankers, the most important step to break through the data isolated island of SMEs is to realize the collection and sharing of all kinds of credit data information of SMEs, so as to improve the credit evaluation system of SMEs and improve the basic database of financial credit information, so as to drive financial institutions to continuously create new credit reporting products of small and micro enterprises and efficiently connect with financial services.
The vice president said that if all kinds of operation and credit information data of SMEs can be fully collected and shared, they are fully confident to achieve accurate credit risk pricing for SMEs in all walks of life, and the upper limit of tax loans for SMEs is expected to return to the original 1.5 million yuan.
Source: Yang Zeyu, editor in charge of economic report in the 21st century_ NF6036