The epidemic is like a sudden storm, which makes many enterprises encounter unprecedented challenges. Some small and micro enterprises are struggling in the storm, while others are facing the "life and death" barrier. At this time, timely and sufficient financial support will become the "ballast stone" for enterprises to cope with the wind and waves.
When the head of the Survey and Statistics Department of the People's Bank of China recently answered a reporter's question about the financial statistics in April, he made a judgment on the loan situation of small and micro enterprises in April-increasing the volume, expanding the area, lowering the price and optimizing the structure.
How do small and micro enterprises get loans at present? I'm afraid I need to answer the following questions:
1. How many small and micro enterprises have obtained loans?
In the first four months of this year, a total of1170,000 new micro-business entities were granted inclusive micro-loans nationwide. The growth trend of 1 17 households is: 1 to18,000 households in February, 7 10/0,000 households in March and 280,000 households in April.
Although the month-on-month data decreased in April, we should fully consider the "monthly" nature of credit supply. In fact, the number of new households in April has basically recovered to the incremental level of the same period last year.
Dong Ximiao, a special researcher at the National Finance and Development Laboratory, said that March is often the first full month after the Spring Festival, and more enterprises will resume work at full speed to make financial arrangements for the next quarter. Credit demand is often strong, so it has always been a "big month". After the centralized release of credit demand in March, it will drop slightly in April, which is the so-called "abortion".
According to the relevant person in charge of the Survey and Statistics Department of the People's Bank of China, in March, with the promotion of resumption of work and production, financial institutions increased their targeted support for small and micro business entities in a timely manner. In March, 7,654.38+households were added, equivalent to three-quarters of the increase in the same period last year; The increase of 280,000 households in April has basically recovered to the same period last year.
Second, how many loans have small and micro enterprises received?
In the first four months of this year, inclusive small and micro loans increased by 1. 1 trillion yuan, accounting for 12.2% of the total loan increase, an increase of 0.4 percentage points over the previous three months.
Judging from the loan balance, the balance of inclusive micro-loans at the end of April was 12.6 trillion yuan, up 25. 1% year-on-year, and the growth rate was 1.5 and 2 percentage points higher than that at the end of last month and the end of last year respectively.
Third, is the loan interest expensive?
Although it is very important to get loans, if you get loans, the cost is very high, which is also a burden for small and micro enterprises.
However, according to the data of the central bank, the loan interest rate of inclusive small and micro enterprises continued to decline. In April, the interest rate of new loans for Pratt & Whitney small and micro enterprises was 5.24%, down 0.77 percentage points from February last year.
4. Do small and micro enterprises need collateral for loans? What is the credit loan ratio?
Compared with credit loans, mortgage loans are more secure for banks. Mortgage difficulty has always been a problem faced by small and micro enterprises, especially technology-based enterprises. Enterprise financing relies too much on mortgage guarantee, which makes enterprises with less collateral such as real estate fall into difficulties repeatedly.
However, the proportion of small and micro enterprise credit loans increased in April. The data shows that the balance of credit loans at the end of April accounted for 15.5% of inclusive small and micro enterprise loans, up 2 percentage points from the end of last year.
5. What types of enterprises are the loans invested in?
More than 70% of inclusive small and micro enterprise loans are invested in labor-intensive industries such as manufacturing.
By the end of April this year, the loans of manufacturing, wholesale and retail and construction enterprises accounted for 39.3%, 29.7% and 7.6% respectively, accounting for 76.6% in total.
Why is the loan structure optimized? The relevant person in charge of the Survey and Statistics Department of the People's Bank of China said that the above-mentioned labor-intensive enterprises were greatly affected by the epidemic, and the timely support of credit funds for these enterprises to solve the liquidity problem and resume work and production also played a significant role in promoting "ensuring employment".
In short, in April, under the guidance of various policies, financial institutions continued to increase credit support for the real economy, especially in the field of inclusiveness, and achieved good results. Judging from the loan situation of small and micro enterprises, the characteristics of "increasing quantity, expanding area, reducing price and optimizing structure" are more prominent.