湖北推出商业价值信用贷款新政 8家银行集中授信中小企业740亿

Core Viewpoint - Hubei Province has introduced a new implementation plan to facilitate credit loans for small and medium-sized enterprises (SMEs) by leveraging their commercial value, addressing long-standing issues such as insufficient collateral and narrow financing channels [1][2]. Group 1: Implementation of the Credit Loan Plan - The "Implementation Measures for Commercial Value Credit Loans for SMEs" was officially released on April 11, aiming to provide efficient, pure credit loans based on the commercial value of SMEs [1]. - Eight financial institutions, including major banks, have been designated as the first batch of cooperative banks, offering a total of 74 billion yuan in concentrated credit to SMEs across 17 cities in Hubei [1][4]. - On the same day, 24 enterprises received a total of 19.8 million yuan in pure credit loans [1][4]. Group 2: Credit Assessment Model - A commercial value credit assessment model will be established to accurately depict the true commercial value of SMEs using big data, addressing the issue of information asymmetry that has led banks to be hesitant in lending [2]. - The assessment will consider various factors such as operational foundation, capability, social value, innovation ability, and brand value, aiming to evaluate every aspect of an SME's commercial value [2]. - The plan allows SMEs without credit issues or major legal violations to apply for loans through the "E-Rong Tong" platform, thereby lowering the application threshold [2]. Group 3: Risk Sharing Mechanism - A risk-sharing mechanism has been established to encourage banks to lend more, with a risk fund pool created under a 1:1 co-construction model by provincial and municipal finances, covering 50% of the principal loss from credit loans [3]. - The risk warning rate and compensation trigger rate have been set at 5% and 8%, respectively, to ensure overall loan risk remains controllable [3]. - This mechanism aims to reduce banks' lending risks and stimulate their willingness to provide loans, fostering a win-win cooperation between government and banks [3]. Group 4: Future Prospects and Impact - As of now, Hubei banks have communicated with 4,240 SMEs, with expected loan disbursements reaching 7.75 billion yuan soon [5]. - Business representatives have noted that the ability to secure loans based on operational capabilities and brand value significantly enhances capital efficiency and alleviates cash flow pressures [5]. - Hubei Province plans to strengthen departmental collaboration and continuously improve policies to ensure the effective operation of the commercial value credit loan model, benefiting more SMEs [5].