Passing through Boya Pedestrian Street, Qingkou Town, Minhou County, Fuzhou City, there is an inconspicuous small grocery store, with an area of less than 40 square meters, but it is full of life.
Although my store is small, it has neighborhood support and policy support, and it has been open for more than ten years, supporting a large family. At the most difficult time, the bank staff on the same street sent us the first loan and helped us survive the 'cold winter'. Wu Zhao, the owner of the grocery store, said.
Small and micro enterprises with a large number and wide coverage are where China's economic resilience lies, which is related to employment and people's livelihood. The 2023 ** Economic Work Conference pointed out that it is necessary to give full play to the dual functions of the total amount and structure of monetary policy tools, revitalize the stock, improve efficiency, and guide financial institutions to increase support for scientific and technological innovation, green transformation, inclusive small and micro enterprises, and digital economy.
Finance is the lifeblood of the national economy. Increase financial support and reduce the financing burden;Innovate and launch financial products to improve service levels;Credit becomes "gold" to empower rural revitalization ......Since 2023, with the support of a series of financial policies, loans to small and micro enterprises have continued to maintain an incremental expansion trend, the loan structure has been continuously optimized, and the development of small and micro enterprises has become more vigorous, further promoting the economic recovery.
Finance sends "timely rain": let small capital trading "loan" the future.
In Longyan City in December, the temperature is close to freezing. Early in the morning, Wang Xinyu, account manager of the Shanghang branch of China Construction Bank, followed Chen Taoxiu and his brother to Wuping County, 51 kilometers away. "Usually the delivery pulls thousands of dollars, but with you to follow, this time it is 800,000 yuan. Chen Taoxiu's sister and brother said to Wang Xinyu with a smile.
In 2013, Chen Taoxiu and his wife, who live in Wuping County, rented a store in Shanghang County and started a stainless steel door and window business. After the efforts of the husband and wife, the business of the small shop is good, and they also brought in the younger brother's family to do the accessories business together.
Local bank staff instructed Chen Taoxiu to use the "Hui Understand You" app. Photo courtesy of the interviewee.
In the past two years, business has not been good, and the payment cycle has been lengthened. We are a small business and want to get a mortgage with a more favorable interest rate, but the property under our name is in a foreign country, and it is difficult to get a mortgage. Chen Taoxiu said.
Just when Chen Taoxiu's sisters and brothers were at a loss, Wang Xinyu recommended financial services with low annualized interest rates to them, and accompanied them to Wuping County, where the collateral was located, to provide "online + offline" services to help them obtain a loan of 800,000 yuan.
The mortgage registration fee and appraisal fee of this loan do not need to be paid by me, the interest rate is low, and the withdrawal and repayment can be operated at any time on the mobile phone, which is convenient and affordable. Chen Taoxiu said that this loan brought not only entrepreneurial capital to the family, but also development confidence, believing that the business will get better and better.
The relevant person in charge of inclusive finance work of the State Administration of Financial Supervision said that since 2023, driven by a series of policies, loans to small and micro enterprises have continued to maintain an "incremental expansion" trend, and the loan structure has been continuously optimized.
According to the data, as of the end of September 2023, the balance of inclusive small and micro enterprise loans was 284 trillion yuan, an increase of 4 from the beginning of the year8 trillion yuan, the increase in loans in the first three quarters of 2023 has exceeded the increase in the whole year of 2022, and the increase in the whole year of 2022 is 45 trillion yuan;The number of customers with loan balances is 426050,000 households, an increase of 372 from the beginning of the year80,000 households. In the first three quarters of 2023, the average interest rate of newly issued inclusive small and micro enterprise loans nationwide was 48%, down 04 percentage points.
Financial "warmth" of new citizens: let the "other country" become the "hometown".
With the deepening of urbanization, about 300 million people have the dream of "taking root" and entering the city to become "new citizens" and grow together with the city.
Online application, fast arrival of funds, and repayment at any time, ABC's 'merchant e-loan' is very suitable for us. Ms. Liu, the owner of a convenience store who left her hometown and came to Changsha, Hunan Province to start a business, has recommended this product to many friends from individual industrial and commercial households.
Finance has a "temperature" to strengthen the business of small and micro businesses. ABC adopts "data empowerment" and multi-dimensional verification to improve the level of intelligent risk control, so that new citizens of individual industrial and commercial households can borrow with confidence and comfort.
Local bank staff introduce financial services to self-employed people. Photo courtesy of the interviewee.
We mainly target small supermarkets, convenience stores, franchise stores, snack bars, e-commerce and other industries, and new citizens who have stable income but cannot provide collateral. According to the relevant person in charge of the Hunan Branch of the Agricultural Bank of China, as of the end of November 2023, the Hunan Branch of the Agricultural Bank of China has issued a total of 48 "merchant e-loans".6.6 billion yuan, providing loan support for more than 10,000 self-employed households.
Ms. Liu's feelings are not unique. The previously issued "Notice on Strengthening Financial Services for New Citizens" pointed out that in view of the financial needs of new citizens in key areas such as entrepreneurship, employment, housing, education, medical care, and pension, banking and insurance institutions are encouraged to strengthen product and service innovation in light of local conditions, expand high-quality financial supply, and improve the equality and convenience of financial services.
New citizens are an important group with strong financial needs. Focusing on the financial needs of new citizens in key areas such as entrepreneurship and employment, financial institutions have innovated and launched targeted products and services to open up a 'new blue ocean' of financial services, which will help deepen the structural reform of the financial supply side and promote the high-quality development of the financial industry. Dong Ximiao, chief researcher of Zhaolian, said.
Financial "tailor-made": credit into "gold" to light up a happy life.
Funing Village, Minning Town, Yongning County, Ningxia, was relocated from the Xihaigu area of Ningxia as a whole. The villagers have a thin "family background" and do not have sufficient funds to start a business. Due to the lack of effective collateral, banks also have difficulties in granting loans.
We need to turn the villagers' 'credit' into 'wealth'. Li Jing, head of the Department of Agriculture and Agriculture of the Ningxia Branch of the Postal Savings Bank, said that as long as the villagers are honest and trustworthy, have production and operation projects, and have the desire to increase income and get rich, they can obtain the whole process of online loans without mortgage guarantees.
In April 2023, the Yongning Branch of the Postal Savings Bank carried out the "Whole Village Credit" in Funing Village, and the staff brought the "mobile business development" equipment to the home of Tie Yanzhong, the leader of the village's prosperity, to enter it, and completed the whole process of application, approval and issuance of a pure online credit loan of 200,000 yuan in 10 minutes.
With this money, I can further expand the scale of beef cattle and sheep breeding and lead the whole villagers to get rich together, which is really timely. Tie Yanzhong said.
At present, the "whole village credit" has been fully launched in Ningxia. According to the relevant person in charge of the Ningxia Supervision Bureau of the State Administration of Financial Supervision and Administration, as of the end of September 2023, the "whole village credit" covers 2,193 administrative villages in Ningxia, with a cumulative number of credit households of 44290,000 households, amount 3955.3 billion yuan, and more than 80% of the effective rural households have been granted credit.
**The previously issued "Implementation Opinions on Promoting the High-quality Development of Inclusive Finance" pointed out that the sustainable development of small and micro business entities is supported. Encourage financial institutions to develop products and services that meet the production and operation characteristics and development needs of small and micro enterprises and individual industrial and commercial households, and increase the provision of first loans, renewal loans, credit loans, and medium and long-term loans.
In the next step, the State Administration of Financial Supervision will carry out a series of actions to improve the quality and efficiency of credit for small and micro enterprises. It includes three actions: first loan expansion, credit loan enhancement and 'partner bank'. The relevant person in charge of inclusive finance work of the State Administration of Financial Supervision said that the expansion of the first loan is to guide banking institutions to expand non-loan enterprises with normal production and operation and no loan records, strengthen the support of the first loan, and expand the coverage of loansThe promotion of credit loans is to guide banks to develop small credit loan products, reduce the excessive dependence on mortgage guarantees, and provide credit loan support for small and micro enterprises and individual industrial and commercial households"Partner banks" encourage capable banks to gradually establish a "credit +" comprehensive financial service model to better meet the diversified needs of small and micro enterprises at different growth stages and become partners in enterprise growth.
*: People's Daily Online.