The statistical caliber of the first lender has changed from less than 5 million yuan to less than100000 yuan. Up to now, according to the regulatory requirements, financial institutions will continue to focus on inclusive small and micro enterprise loans with a total credit of less than 6,543,800 yuan (inclusive), excluding data related to bill discount and cash discount business. Ding Xiaofang, deputy director of the inclusive finance Department of the China Banking Regulatory Commission, previously said that some banks used the bill business to "scale up" in order to complete the task of micro-credit assessment. After excluding the bill business, the regulatory authorities will guide the banking industry to invest more credit resources in small and micro enterprises in the initial stage. In 2020, a large number of small and medium-sized enterprises in China have passed the test of life-and-death crisis, but 202 1 still needs key support from the policy level in terms of industrial digital transformation and medium-and long-term business development. The release of the two new policies will further optimize and upgrade the microfinance ecosystem, and a number of financial technology companies will flood into the microfinance lending market, such as 360 Science, Lexin, Xinyi Technology and Gome Finance. At present, commercial banks and various financial technology companies based on the Internet platform are scrambling to seize the policy dividend through scene innovation and ecological layout, and seek greater market share in the blue ocean of microfinance.

First, the "first lender" assessment was released: the CBRC led the surge and dared to bite hard bones.

On April 25th, official website of China Banking Regulatory Commission issued the Notice on Further Promoting the High-quality Development of Financial Services for Small and Micro Enterprises 202 1 (hereinafter referred to as the Notice). Through combing the research, Zero One Think Tank will interpret it from the perspectives of "first borrower" assessment, adjustment of assessment statistics, financial innovation of industrial chain supply chain, interest rate of small and micro loans, and insurance credit enhancement products.

1. Clarify the "First Lender" assessment provisions. The notice requires that large banks and joint-stock banks should take the initiative to "gnaw hard bones" and cover the "blank zone" of financing supply for small and micro enterprises, and strive to increase the number of new "first loan households" for small and micro enterprises in 20021year compared with 2020; Large banks should include the proportion of "first loan households" of small and micro enterprises in their internal performance indicators; According to the real financing needs and credit status of the "first borrower", the credit approval conditions are reasonably set.

What is a "first lender"? It refers to the first time to obtain a loan from a banking financial institution, and the credit information system of the People's Bank of China cannot find the credit information records of customers' previous loans from banking financial institutions. The announcement of this policy clause will stimulate the banking industry to develop specialized "first loan" products and strengthen financial support for green development, scientific and technological innovation, individual industrial and commercial households and other groups.

2. The monitoring caliber of Pratt & Whitney microfinance has changed.

According to the regulatory requirements, financial institutions will continue to pay attention to inclusive loans for small and micro enterprises with a total credit of less than 6,543,800 yuan (inclusive), excluding data related to bill discount and cash discount business. Ding Xiaofang, deputy director of the inclusive finance Department of the China Banking Regulatory Commission, previously said that some banks used the bill business to "scale up" in order to complete the task of micro-credit assessment. After excluding the bill business, the regulatory authorities will guide the banking industry to invest more credit resources in small and micro enterprises in the initial stage.

According to the statistics of the central bank, by the end of 2020, the balance of inclusive microfinance in China was 15. 1 trillion yuan, a year-on-year increase of 30.3%, and the growth rate was 7.2 percentage points higher than that at the end of last year. The annual increase was 3.52 trillion yuan, an increase of 1.43 trillion yuan. Judging from the scale and growth trend of Pratt & Whitney small and micro loans in the following three years, the overall situation remained stable. Under the background of the introduction of epidemic policies after 20021,the number of small and micro customers will be further expanded.