The picture shows the scene of the special press conference of the National Development and Reform Commission on the rescue of enterprises
Zhang Chun, deputy director of the Department of Finance and Finance of the National Development and Reform Commission, spoke at the press conference
(The picture above is taken by Gao Hongjie, a reporter of China Reform Daily and Reform Network; the picture below is from the official website of the National Development and Reform Commission)
On September 24, the National Development and Reform Commission held a special press conference on the relief of favored enterprises. Zhang Chun, deputy director of the Department of Finance and Finance of the National Development and Reform Commission, said at the meeting that the National Development and Reform Commission combined its own functions, in the process of taking the lead in promoting the construction of the social credit system, together with the Banking and Insurance Regulatory Commission and other departments to vigorously promote the "credit and easy loan" model, based on credit information sharing and big data development and application, fully tap the value of credit information, alleviate the problem of asymmetric information between banks and enterprises, and build a "credit golden bridge" between financial institutions and small and medium-sized enterprises. With the joint efforts of all relevant departments and financial institutions in various regions, the financing of small and medium-sized enterprises continues to show a trend of "volume increase, area expansion and price reduction".
The reporter learned from the meeting that the National Development and Reform Commission, relying on the national credit information sharing platform to which it belongs, has built and operated a national comprehensive credit service platform for financing small and medium-sized enterprises (hereinafter referred to as the national "xinyi loan" platform), and has docked with 255 local platforms or sites to provide services such as enterprise-related credit information inquiries for banks, insurance, guarantees, credit services and other institutions, improve the ability to accurately profile small and medium-sized enterprises, and form a virtuous circle of "obtaining loans by credit and promoting credit with loans".
According to the data, as of the end of July, the balance of inclusive small and micro loans was 17.8 trillion yuan, an increase of 29.3% year-on-year. In July, the interest rate of newly issued inclusive small and micro loan enterprises was 4.93%, down 0.15 percentage points from the end of the previous year. Among them, from the perspective of the financing credit service platform, as of the end of August, the national "Xinyi Loan" platform has accumulated 9.994 million registered enterprises, and the cumulative loans issued through the platform have exceeded 4 trillion yuan, and the average interest rate of loans issued by the "Xinyi Loan" platform in some places is about 1 percentage point lower than the national inclusive small and micro loan interest rate.
Zhang Chun said that the "credit and easy loan" model has played an important role in supporting the financing of small and medium-sized enterprises. In the next step, the National Development and Reform Commission will continue to follow the relevant work arrangements of the Party Central Committee and the State Council, accelerate the pace of credit information sharing, further promote and improve the "credit and easy loan" model, promote the real economy of financial services, and provide solid support for doing a solid job of the "six stability" work and fully implementing the "six guarantees" task.
First, further strengthen the sharing and application of credit information. At present, the National Development and Reform Commission is studying and drafting relevant policy documents, and will make greater efforts to promote the inclusion of information such as tax payment, social insurance premiums and housing provident fund payment, water and electricity, warehousing and logistics, real estate, intellectual property rights, etc., and consolidate the role of credit information in promoting the financing of small and medium-sized enterprises.
The second is to further improve the network of financing service platforms. Support localities with the capacity to make full use of existing information systems, make overall plans for the construction of financing service platforms, and build a nationwide integrated network of financing credit service platforms.
The third is to further strengthen risk monitoring and information security guarantees. Better give play to the basic role of credit in financial risk identification, monitoring, management, disposal, and other links, and enhance risk prevention capabilities. Strengthen information security and the protection of trade secrets and personal privacy, prevent the illegal use of information, and protect the rights and interests of subjects.
Zhang Chun also introduced that all localities and financial institutions have actively explored and conformed to the actual development of localities, providing an important reference and useful experience for innovating "credit and loan" products and services. At present, the more mature common experience includes one-stop service, three-dimensional portrait, convenient handling, and multi-channel sharing. The National Development and Reform Commission will work with relevant departments to strengthen the promotion of mature experience, and at the same time continue to summarize new good experiences and good practices, so as to better play the positive role of the "credit and easy loan" model in promoting the financing of small and medium-sized enterprises, and better alleviate the difficulties of small and medium-sized enterprises.
(China Credit Magazine reporter He Ling)
China Credit
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