银行机构应用“四不”策略做好小微企业金融服务

Core Viewpoint - The National Financial Regulatory Administration has issued a notice emphasizing the importance of financial services for small and micro enterprises (SMEs) by 2025, aiming to stabilize expectations, stimulate vitality, and promote economic recovery through enhanced financial support and service efficiency [1]. Group 1: Credit Support - Financial institutions are required to maintain the total credit volume for SMEs, ensuring that the support remains unwavering. This involves overcoming challenges and avoiding behaviors such as loan cuts or withdrawals, while actively identifying and meeting the credit needs of SMEs [2]. Group 2: Credit Quality - There is a focus on improving the quality of credit provided to SMEs, with a strong emphasis on risk management. Financial institutions must conduct thorough pre-loan investigations and support only those SMEs that meet credit criteria, ensuring that resources are directed towards high-quality clients [3]. Group 3: Financing Costs - Financial institutions are tasked with stabilizing loan interest rates to prevent an increase in financing costs for SMEs. This includes avoiding high-interest policies and leveraging financial technology to reduce operational costs, thereby addressing the issue of expensive financing [4]. Group 4: Loan Structure Optimization - The optimization of the credit supply structure is essential, promoting diversity and flexibility in loan offerings. Financial institutions should focus on discovering first-time borrowers, improving renewal processes, and providing customized financial services to meet the specific needs of SMEs in various sectors [5].