At present, the balance of private enterprise credit loans has reached 9.8 trillion yuan. In the first half of this year, the banking industry deferred interest payments on loans for10.5 million small and medium-sized enterprises and individual industrial and commercial households, amounting to more than 3 trillion yuan. The annualized interest rate of private enterprise loans is 4.74%, which solves the problem of financing difficulty and high cost of private enterprises.
Housing accumulation fund 3600, how much can I borrow, and what is the multiple?
The calculation of the amount of provident fund loans is not entirely based on the amount of provident fund deposits. It should be related to housing prices, personal repayment ability, down payment, and the number of borrowers. Maximum loan limit. If both husband and wife deposit provident fund, the maximum loan amount is 400,000 yuan; If one of the husband and wife or a single employee pays the provident fund, the maximum loan amount shall not exceed 300,000 yuan.
Extended answer:
Housing accumulation fund refers to the long-term housing savings paid by state organs, state-owned enterprises, urban collective enterprises, foreign-invested enterprises, urban private enterprises and other urban enterprises, institutions, private non-enterprise units, social organizations and their employees. 20 1 1 The Ministry of Housing and Urban-Rural Development, together with other departments, is studying the revision of the provident fund regulations and liberalizing the provision that individuals withdraw the provident fund to pay housing rent. 20 13 some cities have introduced measures to allow employees suffering from major diseases or their immediate family members to withdraw provident fund for emergency.
From July 20 17 1 7, all housing provident fund management centers across the country will handle the transfer and connection of housing provident fund in different places through the platform according to the requirements of the National Operating Rules for the Transfer and Connection of Housing Provident Fund in Different Places issued by the Ministry of Housing and Urban-Rural Development. All housing provident fund management centers in China will be "networked" and handle the transfer and connection of housing provident fund in different places through a unified platform. According to incomplete statistics, more than 20 cities such as Beijing, Shanghai, Fuzhou and Guangzhou have been connected to the national housing provident fund transfer and connection platform.
Provident fund personal housing loan. In 2006, the housing provident fund issued 3,274,900 individual housing loans, 1.270 1.7 1 billion yuan, up 4.8% and1%respectively over the previous year; In the whole year, 503.455 billion yuan of personal housing loans were recovered, an increase of 3214 over the previous year; At the end of 20 16, 28,266,300 individual housing loans and 660,665,438+33 million yuan were issued, up by 13. 1% and 23.83% respectively. The balance of individual housing loans was 4,053.523 billion yuan, and the individual housing loan ratio was 88.84%, an increase of 8.04 percentage points over the end of last year.
How much is the monthly provident fund loan of 630,000 yuan?
1. Commercial loan
2. Matching principal and interest repayment method: 600,000 yuan loan with monthly payment of 3 184.36 yuan for 30 years.
3. Average capital repayment method: a loan of 600,000 yuan, 30 years, the first monthly payment is 4 1 16.67 yuan, and then it will decrease every month.
4. Provident fund loans
5. Matching principal and interest repayment method: 600,000 loans will be paid to 24 yuan for 30 years.
1.2017 On May 27th, the Ministry of Housing and Urban-Rural Development of the People's Republic of China, the Ministry of Finance of People's Republic of China (PRC) and the People's Bank of China jointly issued the 20 16 annual national housing provident fund report. According to the report, in 20 16, 2300 housing accumulation funds were paid in. Compared with the previous year, it increased by 2.98% and 5.42% respectively, with 3 1.8 1.000 new account opening units and 0/.61.287 new account opening employees.
2. Deposit amount of housing accumulation fund: 201656.288 million yuan, an increase of 13.84% over the previous year. 20106091760,000 yuan At the end of the year, the total amount of housing provident fund deposit was 45,438.
3. Provident fund withdrawal: in 20 16 years, the withdrawal amount of housing provident fund was11626.88 billion yuan, an increase of 5.82% over the previous year. Among them, 93971400 million yuan was extracted for housing consumption and 222.974 billion yuan for non-housing consumption, with an extraction rate of 70.2%, down 5.32 percentage points over the previous year. At the end of 20 16, the total withdrawal of housing accumulation fund was 6,046.359 billion yuan, accounting for 56.99% of the total deposit.
4. Provident fund personal housing loan. In 2006, the housing provident fund issued 3,274,900 individual housing loans, 1.270 1.7 1 billion yuan, up 4.8% and1%respectively over the previous year; In the whole year, 503.455 billion yuan of personal housing loans were recovered, an increase of 3.2/kloc-0.4% over the previous year; At the end of 20 16, 28,266,300 individual housing loans and 660,665,438+33 million yuan were issued, up by 13. 1% and 23.83% respectively. The balance of individual housing loans was 4,053.523 billion yuan, and the individual housing loan ratio was 88.84%, an increase of 8.04 percentage points over the end of last year.
5.2065438+In February, 2006, the People's Bank of China, the Ministry of Housing and Urban-Rural Development and the Ministry of Finance issued the Notice on Perfecting the Formation Mechanism of Deposit Interest Rate in Employees' Housing Provident Fund Accounts. The notice decided to adjust the deposit interest rate of employee housing provident fund account from the current benchmark interest rate of current and three-month deposits divided by collection time to a unified interest rate from February 438, 2065+February 2006. The increased interest rate is 1.50%.
20 16 loan balance of small and micro enterprises of Liuzhou Bank
20.84 trillion yuan.
At the end of 20 16 and 12, the balance of RMB loans of small and micro enterprises was 20.84 trillion yuan, up by 16% year-on-year, and the growth rate was 0.7 percentage points higher than that of the end of last month, which was 7.2 and 9. 1 percentage points higher than that of large and medium-sized enterprises in the same period respectively. At the end of 20 16 and 12, the loan balance of small and micro enterprises accounted for 32. 1% of the enterprise loan balance, which was 1.6 percentage points higher than the same period of last year.
In 20001year, loans to small and micro enterprises increased by 3 trillion yuan, an increase of 7810.50 billion yuan year-on-year, accounting for 49. 1% of the increase in corporate loans in the same period, an increase of 1.2 percentage points over the same period of last year.
What are the shortcomings in the development of credit business of rural commercial banks at present, and what suggestions are there?
20 12, 1 1 year1October, held in The 18th National Congress of the Communist Party of China. The meeting stressed that solving the problem of farmers in agriculture and rural areas is the top priority of the whole party's work, adhering to the policy of industry feeding back agriculture, cities supporting rural areas, giving more and taking less, and strengthening the policy of strengthening agriculture, benefiting farmers and enriching farmers. In 2022 10, the twentieth party congress was held. Report to the 20th CPC National Congress of the Party pointed out that the most arduous and arduous task of building a socialist modern country in an all-round way is still in the countryside. Finance is the blood of the national economy and plays an important role in implementing the party's policy of strengthening agriculture and benefiting farmers. In the past ten years, under the strong leadership of the CPC Central Committee and the guidance of the regulatory authorities, rural finance has made full use of its strengths and avoided its weaknesses, and its service capacity and level have undergone fundamental changes.
The Development of Rural Finance in Recent Ten Years
In order to implement the deployment of financial work at the 18th and 19th National Congress, the CPC Central Committee and the State Council held two national financial work conferences successively, and made systematic planning and top-level design for strengthening and improving rural financial work.
The correct decision of the CPC Central Committee and the State Council has effectively promoted the reform and development of rural finance.
First, highlight the fundamental direction of serving agriculture, countryside and farmers, deepen rural financial reform, give full play to the roles of policy finance, commercial finance and cooperative finance, and build a multi-level, diversified and moderately competitive rural financial service system. In particular, it is necessary to build an inclusive financial system, strengthen financial services for agriculture, rural areas and remote areas, and promote financial precision poverty alleviation. Some banks are required to strive to achieve the goal that the growth rate of inclusive agriculture-related loans is higher than the average growth rate of various loans of the Bank. The second is to emphasize market orientation, with the fundamental purpose of improving the ability and efficiency of financial services, encourage and strengthen the innovation of financial organizations, products and service models, expand the coverage of financial services, and solve the problem of insufficient financial services in rural areas as soon as possible. Third, it emphasizes deepening the reform of rural credit cooperatives and standardizing the development of rural cooperative financial organizations. Fourth, improve the agricultural insurance system, encourage the development of specialized agricultural insurance companies, and explore the development of specialized credit insurance institutions. Fifth, strengthen the coordination of financial supervision to prevent and resolve rural financial risks.
Banks and insurance regulators adhere to problem-oriented, result-oriented and targeted governance, and agricultural financial institutions have made unremitting efforts to improve rural financial services.
First, deepen rural financial reform, introduce a number of reform measures, try them first, and promote them throughout the country after gaining experience. For example, Wenzhou financial comprehensive reform experimental zone was determined, and six provinces, cities and counties, such as Qinghai Province and lankao county, Henan Province, were determined to build rural inclusive finance comprehensive demonstration zone. In Hebei and other central and western provinces (autonomous regions and municipalities), the first batch of "multi-county and first-line" system and investment management bank reform pilots were carried out. Explore the establishment of catastrophe insurance system, and organize 45 property insurance companies to establish national earthquake catastrophe insurance for urban and rural residential buildings. Determine the main position of mutual insurance organizations in the insurance market and issue the Trial Measures for the Supervision of Mutual Insurance Organizations. The regulatory organization has been reformed, with the establishment of "Agriculture, Countryside and Farmers Finance Division" in Agricultural Bank and inclusive finance Division in commercial banks.
Second, the growth rate of agriculture-related credit and insurance is relatively high, and poverty alleviation and poverty-stricken areas have achieved remarkable results. By the end of 20021and 12, the balance of agricultural loans was 43.2 1 trillion yuan, an increase of1.83% compared with the beginning of the year, and the balance of inclusive agricultural loans was 8.88 trillion yuan, an increase of17.48 compared with the beginning of the year. In 20 18, the former CBRC issued the Notice of the General Office of China Banking Regulatory Commission on Doing a Good Job in the Financial Services for Agriculture, Countryside and Farmers in 20 18, which further clarified the service objectives in 20 18. The growth rate of poverty alleviation micro-loans and precision industry poverty alleviation loans should be higher than the assessment requirements of the average growth rate of various loans. Later, the regulatory authorities also proposed that the growth rate of loans in deep poverty areas was higher than the average growth rate of loans in the province (region), and the tolerance of non-performing loans for precision poverty alleviation loans increased from 2 percentage points to 3 percentage points; The deductible line of major illness insurance for the rural poor will be reduced by 50%, the payment ratio will be increased by 5 percentage points, and the regulatory requirements such as capping line will be gradually cancelled. From 20 16 to 2020, the national poverty alleviation loans totaled 9.2 trillion yuan, and the balance at the end of the year was 44 1 trillion yuan, an increase of 0.5 trillion yuan over the beginning of the year and a year-on-year increase of 1 1.34%.
Third, physical outlets and smart finance vibrate at the same frequency, which improves the accessibility and inclusiveness of financing and insurance for farmers and other rural market entities. By the end of 2020, the coverage rate of outlets of township banks in China was 97. 13%, and the coverage rate of basic financial services in administrative villages was 99.97%, basically realizing that villages and towns have institutions and services.
Fourth, the rural credit system has been gradually improved, and a safety net for bank credit granting and insurance underwriting has been initially established, which has improved the scientificity of credit granting and underwriting. In 20 14, the State Council issued the Social Credit System Construction Plan (20 14-2020), which formed a leading mechanism of social credit system construction led by the People's Bank of China and participated by relevant departments. By the end of 20 19, credit files had been established for 26 100 small and medium-sized enterprises and1800,000 farmers. On the basis of establishing credit files, we will evaluate credit users (groups, villages, towns and counties) and credit enterprises, and help market entities such as honest farmers and farmers' cooperatives to provide convenience for financing and insurance.
The fifth is to meet the diversified financing and risk protection of agriculture, rural areas and farmers, enrich market players, develop new products and improve the adaptability and convenience of loans and insurance. Hundreds of rural commercial banks and rural banks have been added in ten years. Agricultural Bank of China and other large state-owned banks have improved their business outlets below the county level. For example, the employees below the county level of the Postal Savings Bank account for 60% of the employees of the whole bank. The number of agricultural insurance companies increased from 5 at the end of 20 12 to 10 at the end of 202 10. China Agricultural Reinsurance Company was established. Study and standardize the functions of China Fishery Mutual Insurance Association, divest its insurance management functions, and approve the establishment of China Fishery Mutual Insurance Association. We will expand the pilot scope of agricultural catastrophe insurance from 200 major grain-producing counties to 500, and expand the risk protection scope of the three staple crops from direct materialization costs to cover land transfer costs, and then carry out full-cost insurance and income insurance pilots. Piloting agricultural product price insurance and index insurance.
Sixth, under the leadership of the party, improve the effectiveness of supervision, guard against systemic financial risks, and maintain rural financial stability. Deeply grasp the laws of financial work, deepen the political and people-oriented nature of finance, and unswervingly take the road of financial development with China characteristics. Regulators continue to explore the combination of macro-prudential management, micro-prudential management, behavioral supervision and functional supervision, clarify the responsibilities of local financial supervision departments, and eliminate regulatory gaps. According to the principle of optimization, coordination and high efficiency, the market access, on-site inspection, off-site supervision and consumer rights protection of banking and insurance institutions should be integrated as a whole. Cultivate the supervisory spirit of being conscientious, daring to supervise, proficient in supervision and strict accountability, and make the supervisory team younger and more professional.
Suggestions on further improving rural financial services
Rural finance has stood at a new starting point. We should conscientiously implement the spirit of General Secretary Xi Jinping's important instructions on financial work, continue to adhere to the problem-oriented and result-oriented, and further play the role of finance in promoting the development of agriculture, rural areas and farmers.
Improve the ownership structure of rural commercial banks and strengthen corporate governance. At present, the ownership structure and corporate governance of rural commercial banks need to be further optimized. Rural commercial banks should conscientiously implement the requirements of shareholders' rights and interests management, and promote the standardization of shareholders' rights and interests management from three aspects: perfecting the system, shareholders' access and strict management. At the same time, we should establish the equity foundation that conforms to the small orientation of supporting agriculture, constantly optimize the equity structure, and give play to the strategic synergy effect.
Cultivate new cooperative finance and mutual insurance organizations. Since the 18th National Congress of the Communist Party of China, the central government has deployed and developed new cooperative finance for many times. In February 2022, the 24th meeting of the Central Committee for Deepening Reform emphasized the need to effectively play the role of cooperative finance. According to the data recently released by the National Bureau of Statistics, in 2002 1 year, the per capita disposable income ratio of urban and rural residents in China was 2.50 (the income of rural residents was1), which was 0.38 lower than that in 20 12. In order to increase farmers' income, it is necessary to establish mutual financing and insurance organizations for farmers to share the benefits of rural industries. It is suggested to formulate relevant management measures for farmers' insurance cooperatives, which are different from cooperative insurance, and appropriately reduce the minimum working capital, number of members and business scope to reflect the characteristics of mutual assistance, small amount, accessibility and closed operation. The development of new cooperative finance and mutual insurance must be based on fully respecting farmers' wishes, not following the trend, reflecting market segmentation, and positioning the main target market in farmers, especially small farmers.
Study and establish an agricultural catastrophe insurance system. China has a vast rural area and frequent natural disasters. According to the data of the Emergency Management Department, in the first half of 2022, various natural disasters caused direct economic losses of 88.8438 billion yuan. Paying for such a large-scale catastrophe loss requires professional insurance institutions to bear it. Catastrophe insurance system is an effective means for the government to use modern financial means to deal with the risk of major natural disasters. Some countries with serious natural disasters in the world have played an important role in providing economic compensation for disaster losses and helping post-disaster recovery and reconstruction by establishing catastrophe insurance systems. China's "14th Five-Year Plan" has deployed the task of developing catastrophe insurance. It is suggested to summarize the experiences and practices of the insurance industry in providing risk protection for natural disasters such as earthquakes, rainstorms, typhoons, floods, mudslides and droughts in recent years, formulate the Interim Measures for the Management of Catastrophe Insurance, strive for national financial support, and improve China's catastrophe insurance market system.