The policy framework of inclusive finance's targeted cuts to required reserve ratios policy has been preserved. In the first tranche, the loan balance or increment of inclusive finance in the last year reached 65,438+0.5%, and the deposit reserve ratio can be lowered by 0.5 percentage point on the basis of the benchmark tranche. This standard basically adapts to the actual lending situation of most commercial banks in inclusive finance and helps to encourage them to continuously tilt their credit resources to inclusive finance. In the second tranche, if the loan balance or increment in inclusive finance reached 65,438+00% in the previous year, according to the principle of progressiveness, the deposit reserve ratio can be further lowered by 65,438+0 percentage points on the basis of the first tranche, with a greater preferential margin. Of course, this standard is relatively high, which can only be achieved by commercial banks with high loan balance in inclusive finance, but it is conducive to the establishment of a positive incentive mechanism and also belongs to the proper meaning of the policy of directionally lowering the statutory reserve ratio.

According to the available data, inclusive finance's targeted cuts to required reserve ratios policy can cover all large and medium-sized commercial banks, about 90% city commercial banks and about 95% non-county rural commercial banks. As the data of 20 17 will be used in the first loan appraisal in inclusive finance in early 20 18, some commercial banks can also allocate more newly added or revitalized credit resources to inclusive finance in the last three months of this year to meet the appraisal standards, and some commercial banks may also be promoted from the first grade to the second grade, so the positive incentive effect of the policy will be reflected.