67%。 According to the data of the mid-year report in 2022, the loan balance of small and micro enterprises was nearly 23 trillion, accounting for 67%, up 23.8% year-on-year. Small and micro enterprises are collectively referred to as small enterprises, micro enterprises and family workshop enterprises. In 20 15, China implemented the policy of starting point for small and micro enterprises and individual industrial and commercial households and the policy of halving income tax for small and low-profit enterprises, and reduced or exempted taxes by nearly10 billion yuan.
2. What do you mean by Xiao Weipu's phased interest rate cut?
1. Xiao Weipuhui's phased interest rate cut is 1 percentage point in inclusive microcredit in the fourth quarter of 2022 based on the original loan interest rate.
2. The People's Bank of China will compensate the same amount of funds through interest rate swap according to the actual interest rate reduction amount of financial institutions, and use policy tools to strongly support relevant financial institutions to implement phased profit-making policies.
3. What kind of loan is Xinyi Loan?
Credit loan refers to the loan provided by the national comprehensive credit service platform for financing small and medium-sized enterprises, which is mainly used for financing services in various places.
1. In order to solve the problem that banks and enterprises choose enterprises with high credit quality and meet their normal financing needs, China has enjoyed the platform to gather all kinds of credit information since 20 18, and through cooperation with financial institutions, it has achieved financing credit service with good credit status and favorable conditions. This is the connotation of "trust and easy loan"
Second, in essence, the "faith element" is an innovative inclusive finance product. By strengthening the collection and enjoyment of credit information, supervising and guiding financial machines, we will focus on solving the information asymmetry between banks and enterprises. Notice1October 65438+1October 65438+1October 0 1 2065438 on exploring the work of "easy credit" marks the official start of the work of "easy credit". 20 19, 12 On September 24th, the National Development and Reform Commission and the China Banking Regulatory Commission jointly issued the Notice on Deepening the Financing Work of Small and Medium-sized Enterprises. On September 24th, 20 19, the national comprehensive credit service platform for SME financing was officially launched. This platform was built by SDIC to speed up "faithfulness"
Third, there are currently 30 1 city, nearly 30 financial institutions and nearly 30 credit service institutions. It can be said that the financing demand is submitted online on the platform, and then the platform will intelligently match the supply and demand, and at the same time use the report to provide reference for financial institutions. After the loan is issued, the platform will also provide a number of services such as service effect evaluation, post-loan risk early warning and intelligent collection.
Fourth, in general, the promotion of "easy credit" has the following important significance:
1. Revitalize government data and give full play to the development of credit information.
2. Reduce the information cost of banks and enterprises and improve the financing problem of small and micro enterprises.
3. Endorse with credit, obtain credit loans, and create a good credit environment.
Fifth, the focus of work is to carry out "credit easy loan" in depth and support financing for small and medium-sized enterprises. The "Notice" talked about six key tasks, learning:
The first is platform construction. Relying on the national credit information sharing platform, on the one hand, it integrates credit information in the fields of taxation, market supervision, customs, justice, water, electricity, gas fees, social security, housing provident fund payment, etc., and establishes and improves the credit information collection and sharing inquiry mechanism; On the other hand, credit reporting agencies and credit service agencies are encouraged to provide credit products and services for small and medium-sized enterprises, and establish and improve the credit evaluation system for small and medium-sized enterprises.
The second is product innovation. Encourage financial institutions to connect with the national SME financing comprehensive credit service platform, innovate and develop "credit-easy loan" products and services, and increase the promotion of the "credit-easy loan" model. Encourage financial institutions to improve their risk management capabilities and reduce the proportion of excessive credit loans secured by collateral.
The third is risk disposal. On the one hand, innovate the default risk disposal mechanism of "Credit Easy Loan", encourage financial institutions to establish an online information sharing platform, and jointly punish untrustworthy debtors; On the other hand, risk mitigation funds or risk compensation. The fourth is assessment and incentive. Study and formulate the norms of "credit-easy loan" statistical statements and enjoy statistical data on a regular basis; At the same time, a special evaluation mechanism of "easy credit" was established, which was evaluated from two dimensions: financial institutions and local governments. The evaluation results of financial institutions are included in the evaluation index system of financial services supervision of small and micro enterprises, and the evaluation results of local governments are included in the monitoring of urban credit status.
4. How many percentage points did inclusive finance, the central bank, report that Xiao Wei and enterprise credit loans increased?
The loan coverage of small and micro enterprises increased 10.66%.
The following is the original news of the event for your reference.
Recently, Shanghai Banking Regulatory Bureau and Shanghai Insurance Regulatory Bureau jointly issued "20 17 Shanghai inclusive finance Development Report", which comprehensively reviewed the overall situation of Shanghai's promotion of inclusive finance business in 20 17, covering the inclusive finance business of new financial institutions such as banks, securities, insurance and financing guarantee companies, and reflected the development of regional inclusive finance from the perspective of all financial formats.
According to the report, the continuous innovation of Internet service channels has enabled inclusive finance to make continuous progress in infrastructure construction. Mobile payment has been continuously promoted in rural areas of Shanghai, and the number and amount of mobile payment transactions have doubled. In addition, the interactive information service platform for banking and taxation jointly established by Shanghai Banking Regulatory Bureau and Shanghai Taxation Bureau was launched, which moved the interaction between banking and taxation from "offline" to "online".
By the end of 20 17, 45 banking institutions in Shanghai had signed cooperation agreements on banking and taxation with Shanghai Taxation Bureau, and the loan balance under various products of banking and taxation cooperation was 65.438+0.665 billion yuan. * * There were 654.38+0096 loans with preferential interest rate cuts, which saved interest costs and mortgage guarantee fees for small and micro enterprises, totaling about 72.3965 million yuan.
Since 20 17, inclusive finance and the consumer protection system have been continuously improved. Shanghai's "SME Policy Financing Guarantee Fund" focuses on supporting growing SMEs. By the end of 20 17, cooperation agreements had been signed with 38 banks, with a total of 7 guaranteed projects and secured loans of 10979 million yuan. In terms of protecting consumers' rights and interests, Shanghai Bank successfully blocked 380 telecommunication network cases, avoiding economic losses of 32,692,800 yuan for the victims.
In addition, financial basic services have achieved full geographical coverage. The number of banking financial institutions' business outlets is 4 1 16, and financial services cover 107 townships and 1590 administrative villages. The number of blank towns and villages and the full coverage of Shanghai's basic financial services have been fully realized.
In terms of service availability in inclusive finance, by the end of 20 17, there were about 342,000 small and micro enterprises with loan balance, accounting for 39.77% of the total number of small and micro enterprises. The loan coverage rate increased by 10.66 percentage points year-on-year, the loan balance of small and micro enterprises increased by 15.76%, and the service accessibility was further improved.
In terms of the depth of the financial system, Shanghai's inclusive financial system is further diversified. Five large commercial banks set up inclusive finance business department in Shanghai branch. The banking institution * * * has three small and micro enterprise franchise branches, 13 village banks oriented to supporting agriculture and supporting small enterprises, 1200 small and micro enterprise financial service franchise branches and community branches, 7 auto finance companies and 2 consumer finance companies. Other institutions include 25 financing companies. Different financial institutions have achieved comprehensive, comprehensive and coordinated development.