1. Increase credit support. Open up a green service channel for bank credit, increase the handling of integrated financial service platform business, simplify credit application materials, shorten credit approval time, and ensure that the credit balance of small and micro enterprises in 2020 is not lower than the same period of last year. Actively strive for emergency financing quotas of policy financial institutions, and encourage CDB, Export-Import Bank, Agricultural Development Bank and export credit insurance companies to increase service support for small and medium-sized enterprises. By increasing credit loans and medium and long-term loans, we will provide more favorable and efficient credit services and increase support for wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries. , affected by the epidemic, and enterprises with development prospects but temporary operational difficulties. Financial institutions are not allowed to blindly borrow, suppress or cut off loans. Before the loan expires, they should go through the examination and approval procedures for loan renewal and loan increase, extend the loan term as much as possible, and actively renew the loan without repayment.
2. Reduce the financing cost of enterprises. Encourage all banking institutions and financial institutions to reduce the original loan interest rate by more than 10% to ensure that the financing cost of small and micro enterprises in 2020 is not higher than the same period of last year. For the emergency demand of epidemic prevention products, special preferential interest rate support will be given to ensure that the loan interest rate is lower than the quoted interest rate of the loan market in the same period, and if it is included in the list of key enterprises of the Municipal Bureau of Industry and Information Technology and other relevant departments, it will fall by more than 30% on this basis.
3. Improve the financing guarantee system. Guide more financial resources to support the development of small and micro enterprises. Reduce the guarantee rate of government financing guarantee companies at all levels to below 1% for key enterprises in epidemic prevention and control and small and micro enterprises greatly affected by the epidemic, cancel counter-guarantee requirements, simplify business processes, and effectively reduce the financing costs of small and micro enterprises affected by the epidemic.