New policies for loans to private enterprises: (1) Large state-controlled commercial banks should continue to strengthen the construction of inclusive finance divisions, strictly implement the "five specialties" operating mechanism, and rationally allocate internal resources to serve private enterprises. Encourage medium-sized commercial banks to set up inclusive financial divisions, combine their respective characteristics and advantages, and explore and innovate more flexible inclusive financial service methods. (2) Local corporate banks must insist on returning to their roots, continue to focus on business management and services, give full play to their advantages in understanding the local market, innovate credit products, and serve the local real economy. (3) Banks should speed up the disposal of non-performing assets and focus on investing funds in private enterprises. Strengthen cooperation with qualified financing guarantee institutions, achieve credit enhancement and insurance through interest integration and incentive compatibility, and provide more services to private enterprises. Banking and insurance institutions should increase investment in private enterprise bonds. (4) Insurance institutions should continue to improve their comprehensive service levels, provide more flexible loan guarantee insurance services for private enterprises when risks are controllable, and provide credit enhancement support for private enterprises to obtain financing. (5) Support banking and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerate the innovation of capital replenishment bond instruments for commercial banks, replenish capital through the issuance of innovative instruments such as non-fixed-term capital bonds and convertible secondary capital bonds, and support the investment of insurance funds in secondary capital bonds and non-fixed-term capital bonds issued by banks. Accelerate the study of canceling the industry scope restrictions on financial equity investment with insurance funds, and standardize the implementation of strategic equity investment. (6) The China Banking and Insurance Regulatory Commission and its local offices will continue to follow the principle of "one mature bank, one established bank" to promote the normal development of private banks in an orderly manner, promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction to meet the needs of private small, medium and micro enterprises Matching financial service system. "Notice on Further Strengthening Financial Services to Private Enterprises" 1. Continuous optimization of the financial service system (1) Large state-controlled commercial banks should continue to strengthen the construction of inclusive finance divisions, strictly implement the "five specialties" operating mechanism, and rationally allocate services Internal resources of private enterprises. Encourage medium-sized commercial banks to set up inclusive financial divisions, combine their respective characteristics and advantages, and explore and innovate more flexible inclusive financial service methods. (2) Local corporate banks must insist on returning to their roots, continue to focus on business management and services, give full play to their advantages in understanding the local market, innovate credit products, and serve the local real economy. (3) Banks should speed up the disposal of non-performing assets and focus on investing funds in private enterprises. Strengthen cooperation with qualified financing guarantee institutions, achieve credit enhancement and insurance through interest integration and incentive compatibility, and provide more services to private enterprises. Banking and insurance institutions should increase investment in private enterprise bonds. (4) Insurance institutions should continue to improve their comprehensive service levels, provide more flexible loan guarantee insurance services for private enterprises when risks are controllable, and provide credit enhancement support for private enterprises to obtain financing. (5) Support banking and insurance institutions to replenish capital through the capital market and improve their ability to serve the real economy. Accelerate the innovation of capital replenishment bond instruments for commercial banks, replenish capital through the issuance of innovative instruments such as non-fixed-term capital bonds and convertible secondary capital bonds, and support the investment of insurance funds in secondary capital bonds and non-fixed-term capital bonds issued by banks. Accelerate the study of lifting the industry scope restrictions on financial equity investment carried out by insurance funds, and standardize the implementation of strategic equity investment. (6) The China Banking and Insurance Regulatory Commission and its local offices will continue to follow the principle of "one mature bank, one established bank" to promote the normal development of private banks in an orderly manner, promote their clear market positioning, actively serve the development of private enterprises, and accelerate the construction to meet the needs of private small, medium and micro enterprises Matching financial service system.