八部门联合发文 大力度支持小微企业融资

Core Viewpoint - The National Financial Regulatory Administration, along with several other government bodies, has issued measures to enhance financing for small and micro enterprises, focusing on increasing financing supply, reducing costs, improving efficiency, and ensuring precise support [1][2][3]. Group 1: Increasing Financing Supply - The measures emphasize the establishment of a coordination mechanism to support small and micro enterprises, directing resources towards key sectors such as foreign trade, private enterprises, technology, and consumption [1]. - There will be an increase in the issuance of first loans, credit loans, medium to long-term loans, corporate loans, and loans to private enterprises [1]. Group 2: Reducing Financing Costs - Banks are guided to strengthen loan pricing management and rationally determine loan interest rates for small and micro enterprises [2]. - The measures include reducing additional loan fees and addressing illegal intermediary practices in the financial sector [2]. Group 3: Improving Financing Efficiency - The development of online loans will be promoted, with banks encouraged to utilize technology to enhance credit approval and risk management processes [2]. - The measures aim to streamline loan application materials and optimize approval processes for offline loans [2]. Group 4: Ensuring Precise Support - Financial support will be strengthened for key sectors, including specialized and innovative small and micro enterprises [2]. - Activities such as "one month, one chain" will be organized to promote financing for small and micro enterprises nationwide [2]. Group 5: Implementing Regulatory Policies - Regular evaluations of banks' services to small and micro enterprises will be conducted, ensuring compliance with due diligence and accountability standards [2]. - The establishment of a mechanism for inclusive finance will be emphasized, with performance assessments and internal pricing incentives [2]. Group 6: Strengthening Risk Management - The measures include revising the risk classification methods for small and micro enterprise loans and simplifying classification processes [3]. - Banks will be guided to allocate more resources towards writing off loans for small and micro enterprises [3]. Group 7: Enhancing Policy Support - The development of a high-quality government financing guarantee system will be promoted to support small and micro enterprises [3]. - Policies related to credit information sharing and credit repair for small and micro enterprises will be advanced [3]. Group 8: Organizational Implementation - Each department is tasked with formulating detailed policy guidelines and ensuring the effective implementation of these measures by banks [3].