The circular calls for increasing the credit supply to small and medium-sized enterprises, optimizing the credit products and services of individual industrial and commercial households, and expanding the service scope of inclusive finance. Banking financial institutions should increase investment in science and technology in inclusive finance, innovate characteristic credit products, develop and constantly improve loan products such as loan-free and loan-on-loan, improve the convenience of using funds, and reduce the comprehensive financial cost of SME financing. Relying on the accounts receivable financing service platform of China People's Bank Credit Information Center, it provides financing support for small and medium-sized enterprises in the upstream and downstream of the supply chain.
In order to continuously optimize the internal incentive mechanism of banks, the Notice encourages banking financial institutions to increase the proportion of small and micro loans in their branches. Strengthen differentiated assessment, give priority to branches that have achieved remarkable results in serving small and micro enterprises in performance assessment and resource allocation, and appropriately delegate credit approval authority; Those who fail to serve small and micro enterprises should be reflected in the assessment and urged to rectify. Further increase the exemption ratio of microfinance practitioners, appropriately increase the tolerance of non-performing loans, encourage the establishment of positive and negative lists, clarify the operational norms of grassroots employees, and exempt microfinance practitioners from worries.
The circular stressed that all banking financial institutions should embed the quoted interest rate in the loan market into internal pricing and transmission related links, improve the differentiated and refined pricing level of loans, and strengthen the ability to control debt costs. Among them, all branches of the People's Bank of China are required to strengthen the supervision of deposit interest rates, give full play to the role of market interest rate pricing self-discipline mechanism, and guide banking financial institutions to reasonably determine deposit interest rates and stabilize debt costs. We will strengthen the management of Internet platform deposits and deposits in different places, strictly deal with irregularities such as high-interest deposits in accordance with the law, and promote small and medium-sized banking financial institutions to reduce their debt costs.
In addition, in order to strengthen the safeguard measures of the regulatory authorities, the Notice clarifies that all branches of the People's Bank of China should seriously carry out the evaluation of the credit policy-oriented effect of small and micro enterprises, strengthen the application of the evaluation results, and urge banking financial institutions to improve and perfect the financial services for small and medium-sized enterprises; It is necessary to further optimize the financing environment evaluation system on the basis of the pilot project of financing environment evaluation for small and medium-sized enterprises in the early stage. Focus on the internal resource allocation of banking financial institutions, improve assessment, implement due diligence exemption, expand first-time borrowers, innovate products with loans and repayments, credit information sharing mechanism of local governments for SMEs, financing guarantee and risk compensation mechanism, and registration and evaluation of real estate, intellectual property rights and accounts receivable, so as to promote local governments to create a good financing environment.