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《民营经济促进法》即将落地 差异化信贷破解融资顽疾
Zhong Guo Jing Ying Bao· 2025-05-10 07:52
Core Points - The "Private Economy Promotion Law" officially took effect on May 20, marking China's first foundational law specifically aimed at the development of the private economy [1] - The law addresses the financing difficulties faced by private enterprises, emphasizing the need for financial institutions to develop market-oriented financial products tailored to the characteristics of the private economy [2][3] - Recent data shows that the loan balance for private enterprises reached 76.07 trillion yuan, with a year-on-year growth of 7.41%, while loans for small and micro enterprises grew by 12.5% [2] Group 1: Financing Challenges - Private enterprises continue to face challenges in financing due to low risk appetite from financial institutions and concerns over operational volatility and credit risk [2] - The development imbalance among private enterprises, with some lacking proper management and financial transparency, exacerbates the financing difficulties [2] - Delays in policy transmission and insufficient execution by local financial institutions further complicate the financing landscape for private enterprises [2] Group 2: Policy Initiatives - The financial regulatory authority plans to implement targeted financial services based on the characteristics of specific industries, adopting a "one industry, one policy" approach [3] - A recent macroeconomic policy package includes an increase of 300 billion yuan in re-loan quotas to support agricultural, small, and private enterprises [3] - The financial regulatory authority aims to introduce a comprehensive policy to enhance financing coordination for small and private enterprises [3] Group 3: Financial Product Development - Banks are encouraged to develop financial products that cater to the needs of private enterprises, such as credit loans and flexible short-term loans for seasonal production [4] - The law allows financial institutions to accept various forms of collateral, including accounts receivable and intellectual property, for loans to private enterprises [4] - Financial institutions are required to treat private enterprises equally in credit management and risk control, with penalties for discriminatory practices [4]