How can state-owned large commercial banks achieve the goal of increasing the loan of small and micro enterprises by more than 30%, how to optimize the regulatory indicators, and how to solve the problem of “not dare to lend” for grassroots credit officers... During the two sessions, ease the financing and financing of private enterprises and small and micro enterprises. You have become a hot topic, and on behalf of the committee members, suggestions and suggestions have been made. The industry believes that to achieve private enterprise, small and micro enterprise financing expansion incremental price reduction, we can coordinate efforts to eliminate information barriers, improve due diligence requirements, optimize regulatory indicators, and optimize policy measures.
How to achieve 30% goal
For the goal of the growth of small and micro enterprise loans of state-owned large commercial banks by more than 30% this year, Guo Shuqing, chairman of the China Insurance Regulatory Commission, said at the "Ministerial Channel" of the two sessions, "I believe we can do this."
Guo Shuqing further explained that solving the problem of small and micro enterprises, including medium-sized enterprises and private enterprises, and the problem of expensive loans is a systematic project. For banks, a huge challenge is to get enough information to ensure that the loan is given to a suitable company. The company operates normally, instead of investing in speculation and speculation, and the principal and interest of the loan can be recovered. In this regard, the banking industry has done a lot of exploration. Using the big data Internet can make it easy to release money and keep the NPL ratio low. "This year we will further promote these experiences, popularize them in large, medium and small banks, and take more measures to support the development of private enterprises and small and micro enterprises."
The Banking Regulatory Commission recently issued the "Notice on Further Enhancing the Quality and Efficiency of Financial Services for Small and Micro Enterprises in 2019" to further refine the relevant goals and measures. In terms of credit supply, the notice emphasizes the loan to the Pratt & Whitney type of small and micro enterprises (the total amount of single-person credits is 10 million yuan or less), and the annual growth rate should be no less than the growth rate of various loans and the number of loans is not lower than the number of loans. The "two increase" goal of the same period last year.
A number of representatives suggested that banks should solve the problem of information asymmetry by increasing the application of financial technology, improve the level of financial technology services, and improve customer acquisition, risk prevention and control capabilities and credit capacity.
Regarding the level of financial technology services, Fan Yifei, deputy governor of the People's Bank of China, said earlier that it is necessary to strengthen the application of financial technology to help ease the financing difficulties and financing problems of private small and micro enterprises. In view of the “pain points” of asymmetric information, inaccurate risk identification and high financing costs, explore the use of neural networks, mobile Internet and other technologies to optimize credit processes and customer evaluation models, reduce credit business costs, improve credit service efficiency, and promote financing approval. More automation, product marketing is more networked, and risk identification is more intelligent.
Wang Yuling, deputy of the National People's Congress and president of the Wuhan Branch of the People's Bank of China, said that on the financial demand side, the primary task is to enhance the core competitiveness of private small and micro enterprises and to lengthen the life cycle of enterprises. At the same time, accelerate the improvement of the construction of credit information service platform, encourage small and micro enterprises to enhance internal control management, standardize financial systems, and reduce the cost of financial institutions for private and small and micro enterprise customers. Further increase the joint disciplinary system for evading financial debts and increase the cost of corporate credit default.
How to optimize regulatory indicators
The goals are clear and the refinement measures are coming. The China Insurance Regulatory Commission proposed to urge banks to deepen the construction of professional mechanisms, optimize credit service technologies and methods, and further study and improve regulatory policies.
For the regulatory indicators, a number of industry insiders made specific recommendations. Niu Ximing, member of the National Committee of the Chinese People's Political Consultative Conference and former chairman of the Bank of Communications, believes that the supervision of the non-performing rate of small and micro enterprises should be relaxed. "Non-performing loans are closely related to the vital interests of commercial banks. Commercial banks themselves will assess and attach great importance to it. As long as each bank provides credit support to small and micro enterprises in accordance with normal procedures, they will grasp the high and low non-performing rates."
Niu Ximing suggested that reducing the risk weight and capital occupation weight of small and micro enterprise credit loans will make commercial banks more motivated to issue credit loans to small and micro enterprises.
In the view of Dou Rongxing, member of the National Committee of the Chinese People's Political Consultative Conference and Chairman of the Central Plains Bank, at the policy level, differentiated policies and classified supervision policies should be implemented. Supporting supervision should be provided to small and medium-sized banks that support private small and micro enterprises to support them. More features. After obtaining the license, the bank can not do all the business. In this regard, from the perspective of supervision, when the bank reaches certain standards, it can support it to expand more business and functions. Dou Rongxing believes that the differentiation policy also includes preferential price and liquidity for small and medium-sized banks in terms of capital replenishment, targeted RRR reduction, re-loaning and discounting, and asset securitization, helping small and medium-sized banks to better support small and medium-sized enterprises. In addition, the policy of large banks' perpetual bonds to replenish capital should also apply to small and medium banks.
It is worth mentioning that some suggestions have been implemented. The China Insurance Regulatory Commission proposed that under the premise that the credit risk of small and micro enterprises is generally controllable, the tolerance rate of non-performing loans of Pratt & Whitney small and micro enterprises will be relaxed to no more than 3 percentage points of the loan non-performing rate. 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.
How to solve "Don't dare to lend"
“The loan approval is 'above', and the responsibility for the problem is 'below', and it is lifelong. The main body of the guarantee also has to bear the responsibility of lifelong personal joint.” Shi Lei, member of the National Committee of the Chinese People's Political Consultative Conference and chairman of Inner Mongolia Duomond Industrial Group And the bank’s due diligence mechanism said. In fact, it is the stringent performance appraisal mechanism that has led many grassroots loan officers to “not dare to lend” and “reluctant to lend”. In response, a number of deputies stressed that the implementation rules for the diligence and exemption of small and micro enterprise loans should be issued as soon as possible.
Zhou Liang, vice chairman of the China Insurance Regulatory Commission, said earlier that “the bank has not done enough in due diligence. Although the supervision has made demands, the internal accountability is still stricter and the requirements are higher. Banks and insurance are the main players. Will chase profits, the risk of small and micro enterprises is relatively high, and the risk costs should be covered according to market rules."
The China Insurance Regulatory Commission emphasized that the implementation of the credit due diligence and non-performing system should 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 can be exempted from chasing under the premise of no violation of laws and regulations. responsibility.
Zhou Xiaoqiang, deputy of the National People's Congress and president of the People's Bank of China Chengdu Branch, said that in the future, there are three aspects to the due diligence: First, clear responsibilities. At present, only the job requirements have been put forward for due diligence, and there are no clear implementation rules, which makes it difficult to implement due diligence. The premise of due diligence is to clarify the "job" and "responsibility". If the responsibilities are not clear and the scale is loose, it will easily lead to irresponsibility when the loan is approved. When the problem arises, the account will be over-blanked and the first-line credit will be given. The staff is miserable, afraid to lend, afraid of accountability. The second is to strengthen the construction of the mechanism. For example, explore the establishment of regional, cross-financial institutions of arbitration, provide fair and open standards and venues for the identification of duties, and eliminate the concerns of credit officers. The third is to identify the responsibility through market transfer. For example, to promote the securitization of credit assets, the credit asset risk is judged by the market, and the liability for breach of contract is converted into the price of the corresponding financial asset through the market.