turn on
    Mobile finance
    Open APP registered log in

    Home >Bank channel > text

    Banking Supervision: Relaxing the tolerance rate of non-performing loans of Pratt & Whitney small and micro enterprises

    2019-03-14 07:51:14

    Blue whale finance

    In order to promote the continuous improvement of small and micro enterprise financial services by bank insurance institutions and further alleviate the problem of financing difficulties for small and micro enterprises, the China Insurance Regulatory Commission recently issued the Notice on Further Enhancing the Quality and Efficiency of Financial Services for Small and Micro Enterprises in 2019 (hereinafter referred to as " Notice"). The "Notice" pointed out that under the premise that the credit risk of small and micro enterprises is generally controllable, the tolerance rate of non-performing loans of inclusive small and micro enterprises will be relaxed to no more than 3 percentage points of the loan non-performing rate.

    The "Notice" puts forward the following objectives around the guiding ideology of effectively increasing the proportion of bank credit in the total financing of small and micro enterprises and driving the overall decline of financing costs of small and micro enterprises:

    In terms of credit supply, it emphasizes the loan to the Pratt & Whitney type small and micro enterprises (the total amount of single-person credits is 10 million yuan or less, the same below), and the annual loan growth rate should not be lower than the growth rate of various loans, and the number of loans is not low. In the same period last year, the "two increase" goal. Among them, five large banks are required to play the role of “head geese” in the industry, and strive to achieve an overall increase of 30% in the balance of loans for micro-enterprise enterprises.

    In terms of cost management, banks are required to maintain a balance between “quantity” and “price”, consolidate the efforts to reduce profits in 2018, and continue to maintain the interest rate of Pratt & Whitney small and micro enterprise loans at a reasonable level in 2019. The use of the People's Bank of China to refinance loans or policy-based bank transfer funds, as well as the government-funded guarantee companies guarantee the Pratt & Whitney small and micro enterprise loans, strict control of interest rate pricing.

    In terms of risk management and control, under the premise that the credit risk of small and micro enterprises is generally controllable, the tolerance rate of non-performing loans of inclusive small and micro enterprises will be relaxed to no more than 3 percentage points of the loan non-performing rate.

    In order to further enhance the motivation and ability of bank insurance institutions to serve small and micro enterprises, the Notice also clarifies the following policy requirements:

    Supervise the bank to deepen the construction of professional mechanisms. Comprehensive consideration of capital costs, operating costs, service models and guarantee methods to improve differentiated loan interest rate pricing. Through the internal funds transfer pricing concessions, reduce the weight of the evaluation indicators of profit indicators, arrange special expenses, and enhance the enthusiasm of small and micro enterprises at the grassroots level. The implementation of the credit due diligence and non-performing system will be implemented. For those branches where the non-performing loan ratio of small and micro enterprises does not exceed the tolerance standard, the relevant business owners may be excused from the responsibility without any violation of laws and regulations.

    Optimize credit service technologies and methods. Under the premise of strengthening compliance management and risk control, the Bank will further strengthen the integration with the Internet and big data, and explore the full-process online loan model. Strengthen the development and promotion of renewal loan products, and reasonably increase the proportion of loan renewing business in small and micro enterprise loans. According to the characteristics of small and micro enterprise financing, the loan payment method and the monitoring and analysis means of capital flow are further optimized, and the invoice is not used as the only requirement for determining the use of the loan.

    Further research and improve the regulatory policy. It is clear that commercial banks applying for the issuance of special financial bonds for small and micro enterprises are not predicated on the completion of the supervision and evaluation indicators for the credit supply of small and micro enterprises, and encourage commercial banks to expand the sources of credit funds to support small and micro enterprises. Study and revise the relevant regulations on capital management of commercial banks, and moderately reduce the capital occupation of inclusive small and micro enterprise loans.

    The "Notice" also made specific arrangements for promoting the improvement of the credit information system and deepening the cooperation between "silver" and "banking".

    As of the end of 2018, the national loan balance of small and micro enterprises was 33.49 trillion yuan, accounting for 23.81% of the balance of various loans. Among them, the loan balance of Pratt & Whitney small and micro enterprises was 9.36 trillion yuan, an increase of 21.79% compared with the beginning of the year, 9.2 percentage points higher than the growth rate of various loans, and the number of households with loan balances was 17.2323 million, an increase of 4.5507 million over the beginning of the year. The interest rate on loans has steadily declined. In the fourth quarter of 2018, the average interest rate of newly-issued micro-enterprise loans in the banking industry was 7.02%, down 0.8 percentage points from the first quarter. Among them, 18 major commercial banks fell 1.14 percentage points from the first quarter. Achieved the goal of “two increases and two controls” for general-purpose micro-enterprise loans.

    Hot searchBanking Regulatory Commission Pratt & Whitney Small micro enterprise loan

    Editor in charge: Shen Xuejiao RF13056

                    Must not look

                    Top Comments

           
    comment share it