The loans for agriculture-related and small and micro enterprises have achieved "two no less than", that is, the growth rate of loans for agriculture-related and small and micro enterprises is not less than the growth rate of all loans, and the increment is not less than that of the previous year.

The two documents of CBRC on agricultural loans are the guiding opinions of CBRC on further improving financial services for small and micro enterprises.

The Guiding Opinions emphasizes ensuring the realization of the "two no less than" goals, and explicitly requires all banking financial institutions to independently formulate annual credit plans for small and micro enterprises on the premise of commercial sustainability and effective risk control, give full play to the supporting role of credit asset circulation and securitization in financing small and micro enterprises, and mainly use the revitalized funds for loans to small and micro enterprises, and strive to achieve the "two no less than" goals, that is, the growth rate of loans for small and micro enterprises is not lower than the average growth rate of various loans, and the increment is not lower than the same period last year. Relevant departments should monitor the growth of loans for small and micro enterprises on a monthly basis and assess them quarterly to ensure that all regions achieve the goal of "two no less than".

Small business loans to implement the "three relaxation" policy.

Small business loans to implement the "three relaxation" policy.

Enterprise loan refers to a way for an enterprise to borrow money from banks or other financial institutions at a prescribed interest rate and time limit for production and operation. Next, I will bring you the "three relaxation" policy for small business loans. I hope you like it!

Small enterprises, which are often ignored by various financial institutions, finally have a "sword of honour" to rely on. Recently, the China Banking Regulatory Commission issued the Guiding Opinions on Banks' Credit Granting to Small Enterprises (hereinafter referred to as the Guiding Opinions), which is an important revision of the relevant regulations issued in 2005.

Relevant persons of the China Banking Regulatory Commission said that for small enterprises, the "great significance" of this revision is mainly reflected in the "three relaxations": First, the types of loans are relaxed, and in addition to various loans, various credit businesses such as letters of credit and bill acceptance are introduced; Second, the scope of collateral should be expanded. Banks can pledge property rights in intellectual property rights such as trademark exclusive right, patent right and copyright, and mortgage and pledge the personal property of small business owners or major shareholders. The third is to relax the guarantee conditions, such as personal property and guarantee of small business owners or major shareholders, joint guarantee of business owners, guarantee of economic consortium, and alternative guarantee of export credit insurance.

Most of the existing bank loans and credit conditions are formulated according to the situation of large and medium-sized enterprises, and there is a lack of targeted regulations for small enterprises with completely different operating conditions. The new Guiding Opinions drafted this time follows the following basic principles: First, it reflects the credit characteristics of small enterprises. Starting from the reality of credit granting for small enterprises, taking the credit granting workflow as the chain, it highlights the characteristics that credit granting for small enterprises is different from credit granting for large and medium-sized enterprises, so as to simplify credit granting procedures, adjust conditions, calculate costs, control risks, float interest rates and divide responsibilities. Second, banks are encouraged to make bold attempts and innovations around the credit system, operation and management, business processes, risk management, internal control, products and guarantees of small enterprises within the scope permitted by laws and regulations. The third is to pay attention to practice. The Guiding Opinions fully reflects the good practices and successful experiences of the dispatched offices of the CBRC and Chinese and foreign banks in the practice of credit granting for small enterprises in the past two years.

The "new breakthrough" of the Guiding Opinions also lies in requiring banks to classify the credit risk of small enterprises according to the principle of combining loans overdue days with guarantee methods, instead of the usual five-level classification method.

Relevant persons of the China Banking Regulatory Commission explained that the traditional loan classification method exaggerated the credit risk of small enterprises to a certain extent, which was not conducive to supporting the healthy development of small enterprise credit. In fact, the financing and management of small enterprises are different from those of large and medium-sized enterprises. For example, because large and medium-sized enterprises are equipped with specialized financial management personnel, once loans overdue, it may mean that there is indeed a problem with the repayment of enterprises; Small enterprises generally do not have specialized financial personnel, and the owners may not be able to repay on time for various reasons. According to the statistics of Zhejiang Tailong Commercial Bank, more than 98% of overdue loans within 1 month can be finally paid off.

"Small business credit is characterized by a small amount and many transactions. If the traditional loan management process is to be strictly followed, commercial banks need to increase a large number of' managers', and loan enterprises need to provide a large amount of management information, which will also increase the credit cost of small enterprises. " A person from the China Banking Regulatory Commission said.

The new "Guiding Opinions" also made the following adjustments: First, it adjusted the requirements for asset quality evaluation, proposed to evaluate the overall quality of small business credit according to the characteristics of small business loans, and abandoned the traditional practice of evaluating single and single-family loans; The second is to adjust the conditions of credit review, emphasizing on-the-spot investigation and collection of non-financial information, rather than relying solely on financial statements and guarantees; The third is to adjust the credit evaluation standard, which is different from large and medium-sized enterprises in terms of indicators and weights, formulate a credit scoring system for small enterprises, and highlight the personal credit evaluation of small business owners or major shareholders.

Some business people have reported that the "new rules" of the CBRC for granting credit to small enterprises reflect the concern and attention of the banking regulatory authorities on the long-standing problem of "financing difficulties for small enterprises" and can be described as "well-intentioned" for improving the financing environment for small enterprises. However, whether it can be effectively implemented in actual operation needs further observation.

Relevant persons of the China Banking Regulatory Commission said that in the future, they will support small business credit innovation, implement small business credit incentive policies in banks, strengthen supervisors, establish a special small business credit supervision team, and implement supportive and continuous supervision on small business credit. ;

What does the banking regulatory bureau mean by "two highs and three lows"?

Two or more loan-related documents of CBRC are Guiding Opinions on Further Improving Financial Services for Small and Micro Enterprises.

According to Article 3 of the Guiding Opinions on Further Improving Financial Services for Small and Micro Enterprises, banking financial institutions should, according to their own market positioning and development strategies, effectively increase the investment and assessment of credit resources for small and micro enterprises under the premise of controllable risks, and strive to achieve the goal of "two no less than", that is, the growth rate of loans for small and micro enterprises should not be lower than the average growth rate of various loans, and the increment should not be lower than the same period last year.

All banking regulatory bureaus shall conduct monthly monitoring and quarterly assessment on the loan growth of small and micro enterprises (including corporate banking financial institutions, branches and the business department of the head office) within their jurisdiction, refine the assessment requirements for banking financial institutions within their jurisdiction, and ensure that the "two no less than" targets are achieved throughout their jurisdiction.

1. What are the four coverage ratios of the CBRC of not less than three?

The goals of "four no less than" are:

1. The growth rate of loans for small and micro enterprises shall not be lower than the average growth rate of various loans.

2. The number of loans for small and micro enterprises shall not be lower than the same period of last year.

3. The growth rate of small and micro enterprise loans (including personal business loans with the same caliber) with a total credit of 5 million yuan or less per household shall not be lower than the average growth rate of various loans.

4. The number of small and micro enterprise loans (including personal business loans with the same caliber) with a total credit of 5 million yuan or less per household shall not be lower than the same period of last year.

The China Banking Regulatory Commission recently issued the Guiding Opinions on Further Improving Financial Services for Small and Micro Enterprises. For the first time, the loan coverage rate of small and micro enterprises, the comprehensive financial service coverage rate of small and micro enterprises and the loan application rate of small and micro enterprises are included in the monitoring index system, and are monitored, assessed and notified on a monthly basis.

2. What is the coverage rate of short-term cash debt?

Short-term cash debt coverage, a saying in the banking industry, divides the loans of local financing platforms into four categories according to the proportion of cash flow coverage: full coverage, basic coverage, semi-coverage, and basically no coverage.

Banking financial institutions accurately classify platform loans according to cash flow coverage (cash flow coverage = current debt repayment cash flow/current debt repayment responsibility), that is, local financing platform loans should be divided into four categories according to cash flow coverage: full coverage, basic coverage, semi-coverage and basically no coverage. Full coverage of cash flow should make cash flow management safer and the risk of damage smaller. If there is no full coverage, you need to supplement the cash flow in other ways to repay the debt.