In 20021year, the People's Bank of Xianyang will continue to increase its support for the real economy, seize the opportunity of structural adjustment and the development of new technologies and formats, actively promote economic and social development, grasp the operation of monetary policy and ensure the issuance of loans. According to the actual situation, the People's Bank of Xianyang issued a total loan of10 billion yuan in 2002/0/year, of which 30% was used for loans from small and micro enterprises, 20% for loans from rural credit cooperatives and 20% for supporting the development of emerging industries. The remaining 30% will be mainly used to support other areas of economic and social development.

What are the effective measures for banks to increase credit supply, sprint credit supply in the fourth quarter and speed up credit supply?

First of all, according to the characteristics of farmers' payment, the interest rate is a "dual track system". That is, the loan farmers who use Fumin card will implement the interest rate of 8.3‰ for a period of three years. Once approved, they will repay the loan; The insured farmers who use the joint guarantee loan implement the annual interest rate of 7.5‰, which effectively reduces the loan cost of farmers. This paper mainly introduces the mortgage loan of rural contracted land management right after the land is confirmed. Customers who have confirmed their rights can apply for mortgage loans for management rights and implement preferential interest rates. Special young and middle-aged customers can use Fumin card, and the period can be extended to 5 years.

The second is to promote mechanism innovation and improve the ability to serve the real economy. Adjust the regulatory requirements for loan loss reserve, encourage banks to make use of the favorable conditions of adequate provision, intensify the write-off of non-performing loans, promote the debt-to-equity swap supported by targeted cuts to required reserve ratios as soon as possible, revitalize existing assets and improve efficiency. Supervise banks to appropriately increase the proportion of retained profits and consolidate core capital, actively support banking institutions, especially small and medium-sized institutions, to replenish capital through multiple channels, open channels for commercial banks to replenish tier-one capital, and enhance their credit supply capacity.

Furthermore, innovative marketing channels can effectively improve the quality and efficiency of precision marketing of Tuoke. Solidly carry out the docking of "four lists", lay a solid foundation for work and carry out list marketing. Relying on products such as "Rural Revitalization Loan", "Entrepreneurship Guarantee Loan" and "Lu Dan Huinong Loan", we will increase the support for high-quality customer loans and improve the delivery effect. Carry out regional marketing. The district has solidly promoted the credit work of the whole village and continuously extended its marketing tentacles.

Then optimize the relationship between credit structure and credit risk prevention and control, and risk prevention and control will be implemented simultaneously with business development. In terms of risk prevention and control, Jiangxi Rural Commercial Bank strengthens the bottom line thinking, adheres to compliance first, fully implements the requirements of reducing fees and profits, benefiting enterprises and benefiting the people, fully embraces the digital wave, and improves financial services in accordance with the requirements of online empowerment, offline drainage and two-line combination. Improve the incentive mechanism and enhance the willingness to serve the real economy.

How do banks increase credit supply?

1. First, actively promote macro-prudential policy adjustment, relax various loan review standards, realize relaxed review and flexible lending, shorten approval time and improve lending efficiency.

2. The second is to implement performance management in depth, improve the loan structure, actively promote loan support for key customers such as small and micro enterprises and private enterprises, and increase credit supply for economic development and social public services.

3. Finally, strengthen the examination and supervision, strictly implement the loan approval system, improve the quality of lending, ensure the legality and compliance of lending behavior, and enhance the bank's risk prevention ability.

In 2022, the focus of credit supply will be delineated, and the real estate loan supply will tend to be stable.

Solving the problem of entity financing is still an important focus of credit policy in 2022. At the beginning of the new year, two direct tools, namely, Pratt & Whitney Small and Micro Enterprise Loan Extension Support Tool and Pratt & Whitney Small and Micro enterprise credit loans Support Plan, were formally transformed, and the CBRC also indicated that it would continue to guide the financial system to make profits to the real economy. At the same time, technological innovation and green development are still the key areas of credit support. It is estimated that with the support of carbon emission reduction tools, the scale of green credit will reach one trillion yuan in 2022.

According to industry insiders, the overall characteristics of credit supply in 2022 will be moderate expansion of the total amount, steady price decline and accurate delivery structure.

Support for key areas is too heavy.

Finance is the core of the economy and the blood of the real economy. On the first day of 2022, the People's Bank of China sent a "big gift package" to small and micro enterprises. Official website, the People's Bank of China, announced that from June 5438+1 October1,two direct tools will be implemented, namely the Pratt & Whitney Small and Micro Enterprise Loan Extension Support Tool and the Pratt & Whitney Small and Micro enterprise credit loans Support Plan. Continue to promote the increase, decrease and expansion of small and micro loans.

Sun Guofeng, director of the Monetary Policy Department of the People's Bank of China, said that from 2022 to the end of June 2023, the People's Bank of China provided funds for loans to small and micro enterprises and individual industrial and commercial households issued by local corporate banks according to the balance increment of 1% to encourage the increase of small and micro loans. From 2022 onwards, the Pratt & Whitney Micro-credit Loan Support Program will be included in the micro-loan for supporting agriculture. The 400 billion yuan refinancing quota originally used to support Pratt & Whitney micro-credit loans can be used in a rolling way, and the refinancing quota can be further increased if necessary.

In addition, the CBRC also stated that it will strengthen financial support for "specialized and innovative" enterprises, promote the increase, expansion and price reduction of financing for small and medium-sized enterprises, optimize financial services for the private economy, and continue to guide the financial system to benefit the real economy.

In addition to supporting the continuous increase of funds for small and micro enterprises, the next step will be to further strengthen financial support for key social and economic fields, including technological innovation and green development.

In 2022, carbon emission reduction support tools are expected to be fully exerted. Yif Wang, chief analyst of the financial industry of Everbright Securities, said that green loans will maintain a high growth rate. According to preliminary calculation, carbon emission reduction support tools or * * * will release more than 500 billion yuan in 20021-2022, so as to boost the growth of green loans by 800 billion yuan-1000 billion yuan.

Wang Qing, chief macro analyst of Oriental Jincheng, also believes that the green credit increment directly instigated by carbon emission reduction support tools is expected to reach trillion scale. In addition, in supporting scientific and technological innovation, Wang Qing said that in 2022, the central bank may launch special policy support tools to guide commercial banks to increase credit support for long-term investment in high-end manufacturing.

Wang xin, director of the Research Bureau of the People's Bank of China, said that in the next step, the financial sector will be more proactive, improve the top-level design, guide and incite more funds to enter the field of carbon emission reduction, and promote the all-round green and low-carbon transformation of energy structure, industrial structure, production and lifestyle.

Wen Bin, chief researcher of Minsheng Bank, analyzed that in 2022, credit will increase support for key areas and weak links, and monetary policy will comprehensively use various policy tools to increase financing support for the real economy, especially for small and micro enterprises, technological innovation and green development, and structural and direct monetary policy tools such as refinancing will play an important role in supporting the real economy.

It is expected that the total amount of credit will increase steadily.

While increasing support for the real economy, the central bank reiterated "enhancing the stability of total credit growth" and continued to "keep the growth rate of money supply and social financing basically matching the nominal economic growth rate." Therefore, it is generally believed in the industry that the total amount of credit is expected to continue to increase in 2022.

Wang Qing judged that the total bank credit in 2022 is expected to reach 22 trillion yuan, which is faster than 202 1 increase10.8 trillion yuan. Considering the deployment of the Central Economic Work Conference, it is estimated that the credit supply in the first half of 2022 will be higher than that in the second half.

"The increase in credit supply will play an important role in hedging the downward pressure on the economy in the first half of the year, especially in the first quarter. At the same time, it releases the signal that the generalized credit overweight and macro policies continue to exert their strength in the direction of steady growth, which will help stabilize the market's consumption and investment confidence. " Wang Qing pointed out.

Ren Tao, a special researcher at the National Finance and Development Laboratory, said that on the one hand, under the policy guidance of "three stabilities" and "three guarantees", the speed of mortgage lending may increase in 2022; On the other hand, matching the financing needs of infrastructure projects will lead to a rapid increase in credit supply under the background of properly promoting infrastructure construction and financial development. Therefore, the total annual credit is expected to be higher than 202 1 year, and it is expected to be around 22 trillion.

It is worth noting that the credit supply in the first quarter of this year may usher in a "good start" under the background that the total amount of credit is expected to rise steadily throughout the year. Ming Ming, deputy director of CITIC Securities Research Institute, believes that the credit supply will be significantly boosted at the beginning of the year and the overall structure will be improved. In June, 2022, the loan amount in May, 438+10 may exceed 3.58 trillion in June, 200210. Considering the pace of credit supply by commercial banks, it is estimated that new loans will exceed 8.5 trillion yuan in the first quarter, while RMB loans increased by 7.67 trillion yuan in the first quarter of last year. Wang Qing also believes that the "good start" of credit at the beginning of this year will be more obvious. It is estimated that the credit supply in June 5438+ 10 is expected to reach about 4 trillion yuan, an increase of about 400 billion yuan year-on-year.

Real estate loans will stabilize.

Under the keynote of "housing and not speculating", many financial departments have also released signals to meet the reasonable financing needs of real estate enterprises. Analysts believe that the downward trend of the overall growth rate of real estate loans will be eased in 2022.

On October 4th, 65438/kloc-0, the Shanghai headquarters of the People's Bank of China held the monetary and credit work conference in 2022, which clearly put forward the orientation of "the house is for living, not for speculation" and strengthened the expected guidance. Commercial banks should further optimize the credit structure, enhance their ability to serve the real economy, better meet the reasonable housing needs of buyers, and promote the virtuous circle and healthy development of the real estate industry.

Zhou, an analyst in the financial market department of China Everbright Bank, believes that in 2022, the policy focus will be on effectively ensuring the just-needed and improved housing demand and meeting the reasonable financing needs of housing enterprises. It is estimated that in 2022, the credit demand of individual housing and housing enterprises will gradually return to normal, with "housing" as the mainstay. All localities will implement the "three stable" task of the property market, promote the construction of a long-term real estate mechanism, and meet the diversified housing needs of China.

Yif Wang believes that in the next stage, the orientation of real estate policy will shift from stabilizing cash flow from financing to stabilizing sales. Restoring sales is of great significance to maintaining the normal operation of housing enterprises, and mortgage loans may "rise in volume and price"; In terms of development loans, with steady growth, market risk appetite will pick up.

Ren Tao said that in terms of housing-related loans, two areas will receive key support in 2022. On the one hand, in order to support the commercial housing market to better meet buyers' demand for the first suite and improved housing, it is expected that the speed of bank mortgage lending will accelerate and personal housing loans will continue to show a warming trend. On the other hand, in order to help resolve market risks and the crisis faced by some real estate projects, commercial banks will actively increase investment in M&A loans to high-quality real estate enterprises.

This concludes the introduction of loan direction and loan direction. I wonder if you have found the information you need?