In order to enhance the competitiveness of small and micro enterprises in Shenzhen, Shenzhen City since 2018bankIndustry associations actively carry out financial services for small and micro enterprises, including the continuous promotion of small and medium-sized enterprise loan risk compensation review, and the accelerated operation of Shenzhen's small and micro enterprise integrated financial service platform. As of the end of November 2018, the balance of small and micro enterprise loans in Shenzhen banking industry reached 928.342 billion yuan, a year-on-year increase of 21.03%.
Entrusted by the Shenzhen Municipal Government, the Shenzhen Banking Association actively promoted the compensation review for “small and medium-sized micro-enterprise loan risk compensation funds” and “small and medium-sized micro-enterprise movable financing loan risk compensation funds”. The China Securities Journal reporter learned from the Shenzhen Banking Association that up to now, the Association has applied for more than 70 applications for risk compensation, and the cumulative compensation has passed the compensation amount of 8.34 million yuan. In addition, according to the feedback from the member banks, the Association made special recommendations to the Municipal Financial Office on the revision of the compensation operation procedures, and finally included the small and micro enterprise main loans into the risk compensation scope.
In order to open up financing channels for small and medium-sized enterprises, Shenzhen Banking AssociationBank of ChinaShenzhen Branch and other institutions operate Shenzhen Small and Micro Enterprise Integrated Financial Service Platform (“Smile Network”), mobilizing a new batch of banks to join the platform team, and promoting “Smile Network” to develop a comprehensive platform for all-round service of small and micro enterprises.
In order to improve the financial services of small and micro enterprises in Shenzhen banking industry and provide high-quality financing experience for small and micro enterprises in Shenzhen, the Shenzhen Banking Association has compiled the “Guidelines for Financial Services for Small and Micro Enterprises in Shenzhen Banking Industry”, which is distributed free of charge to the public. It includes government support policies for small and micro enterprises, and concentrates on the best small and micro enterprise financial service products of Shenzhen banks, providing information convenience for small and medium enterprises and private enterprises in Shenzhen.
China Securities Journal reporter learned from the Shenzhen Banking Association that as of the end of November 2018, the balance of small and micro enterprise loans in Shenzhen banking industry reached 928.342 billion yuan, a year-on-year increase of 21.03%, and the growth rate was 6.37 percentage points higher than the growth rate of all loans.
The Shenzhen Banking Association is also actively working with various industry associations in Shenzhen and local banking associations to build a platform for the financial industry to jointly serve small and micro enterprises, including organizing research and exchange activities for small and medium-sized enterprise professional committees, and leading the banking backbone to Shantou and Zhaoqing. Meizhou and other citiesResearchInclusive financial services, actively learn from the successful experience of local banks' small and micro services, and write relevant inspection reports for peer reference.
In addition, the Shenzhen Banking Association also organized the 2017 Shenzhen Quality Index System for the preparation of the banking industry sub-index. According to the development trend of the industry, the index framework and data collection were redesigned and the “2010-2017 Shenzhen Banking Service” was completed. The Quality Index Special Study provides a more effective reference for government decision-making.
(Article source: China Securities Journal)