The first is the risk pricing mechanism of interest rate. Small business loans have certain risks. In order to realize the commercial sustainable development of small business loans, banks must implement risk pricing, determine the corresponding interest rate according to the degree of risk, and make up for the risk of small business loans with sufficient spreads. The second is the independent accounting mechanism. Due to the particularity of small business loans, we should make independent cost and profit accounting for small business loans, so as to independently assess the operating performance of small business loans. The third is an efficient loan approval mechanism. Give reasonable authorization to qualified grass-roots banks, simplify the loan approval procedures for small enterprises, and reduce the level of loan approval. The principle of "two people" or "four eyes" can be implemented to adapt to the characteristics of "small, frequent and urgent" loan business of small enterprises. The fourth is the incentive and restraint mechanism. It is necessary to study and formulate a performance appraisal method that pays equal attention to risk prevention and positive incentives, so that the personal interests of credit personnel in small enterprises, such as income level and rank promotion, are closely linked to performance, and their work enthusiasm is fully mobilized. Fifth, the training mechanism of professional talents. While reducing the level of loan approval, all business links must be equipped with professional and experienced business personnel. Banks should attach importance to the professional training of employees engaged in this business in order to improve the professional quality of credit personnel. The sixth is the default information notification mechanism. Attention should be paid to collecting and mastering the information of customers who are in malicious breach of contract in their own business areas, and reporting it regularly within banking financial institutions in the region to prevent risks and improve the credit environment.

2. What are the six mechanisms?

Legal analysis: The contents of the six long-term mechanisms are as follows: 1. Compilation; 2. Establish and improve the long-term mechanism of party member's first-line commitment and trustworthiness; 3. Establish and improve the long-term mechanism of canceling the first-line account of contradiction; 5. Establish and improve the mechanism of grass-roots party organizations; 6. Establish and improve a long-term mechanism for implementing the responsibilities of grass-roots organizations.

Opinions on the long-term mechanism of the work of the Law Committee V. The working principles, guidelines and working principles of the Law Committee are that healthy growth is conducive to the health of the elderly, the main channel work is carried out in an all-round way, and the school reform and development is harmonious and stable; To charge, based on the grassroots, do what you can, and highlight the needle; We should adhere to the typical guidance for the grassroots, focus only on the key points, not seek comprehensiveness, and do something different.

3. What are the six mechanisms?

First, focus on urging and guiding local corporate institutions to build "six mechanisms" and strive for local corporate banks to make breakthroughs in the reform of the financial service system for small enterprises;

Second, guide other banking institutions to further promote the construction of small business loan mechanism, establish key contact banks with state-owned commercial banks, joint-stock banks in Shanghai and foreign banks, and regularly follow up and guide the development of small business loan business;

Third, strengthen the research on the differentiated supervision system of small enterprise loan business and actively create a positive policy incentive mechanism;

Fourth, strengthen the statistical information work of small business loans and explore the establishment of a notification mechanism for small business loan default information;

Fifth, strengthen communication and cooperation with relevant government departments and continue to promote the improvement of the external environment;

Sixth, strengthen training and publicity to promote the exchange of experience among peers.

What are the six mechanisms?

Legal analysis: The "six mechanisms" were put forward by the CBRC in the Guiding Opinions on the Development of Small Business Loans by Banks in July 2005. Specifically, commercial banks should focus on six mechanisms: interest rate risk pricing mechanism, independent accounting mechanism, efficient loan approval mechanism, incentive and restraint mechanism, professional training mechanism and default information notification mechanism.

Legal basis: Article 3 of the Guiding Opinions on Strengthening and Improving Financial Services for Small Enterprises stipulates that the credit management system should be improved. According to the characteristics of small enterprises, we should improve the authorized credit system in time, reasonably determine the loan approval authority of county-level banks, reduce the loan approval links and improve work efficiency. For small enterprises with market development prospects, good reputation and the ability to repay the principal and interest, it is necessary to appropriately expand the credit line and try out non-fully guaranteed loans. Small enterprises whose credit rating has been above 2A for three consecutive years may be granted credit loans after strict examination and approval procedures. Improve the internal management methods of commercial banks and improve the loan management responsibility system of grassroots credit personnel. While emphasizing risk prevention and clarifying responsibilities, we should establish corresponding loan incentive mechanism to make responsibilities and rights clear and rewards and punishments clear. Objectively analyze the historical causes of non-performing loans and put forward the quality requirements of new loans realistically.