With the normalization of epidemic prevention and control, the survival of small and micro enterprises is more severe. The government and all walks of life are taking various measures to support the development of small and micro enterprises and overcome difficulties.
Recently, the Ministry of Finance of People's Republic of China (PRC) and State Taxation Administration of The People's Republic of China jointly issued the tax refund policy. The first batch of special transfer payments to support tax rebates for small and micro enterprises have been released, and small and micro enterprises have received real money "tax red envelopes".
Prior to this, the "financial red envelopes" of financial institutions had already begun to be distributed. Among them, under the impetus of the central bank's direct real monetary policies, such as micro-loan policy, debt service policy and credit loan support plan, financial institutions have taken supporting the development of small and micro enterprises as an important strategic task in the past two years and continuously increased credit supply to small and micro enterprises.
A pot supports a family, a yard carries a career, and a contribution realizes a dream. This is the original intention of Wang Xin Bank's dual-core business layout from retail credit to retail credit loans for small and micro enterprises. The financial needs of individual industrial and commercial households, such as roadside stalls and mom-and-pop shops, are characterized by small amount, short-term, high frequency and huge amount, which makes it difficult to identify risks and high operating costs. As a new generation of digital native bank, Wangxin Bank has a strong advantage in digital technology, and can explore innovative ways to practice digital inclusive finance.
The key to solving financial problems often lies outside finance. At present, the financial industry is facing the problem of how to realize the coexistence of universal benefits and benefits. "Universal" means lowering the threshold and improving the ability to identify financial risks; "Profit" is to reduce costs and improve the refinement of financial operations. In recent years, the progress of digital technology in China has enabled financial practitioners to master this key.
Therefore, under the background of adhering to the positioning of "digital inclusiveness" and supplementing prime Bank, Wangxin Bank has taken a "differentiated" development path, taking "universal deposit and small loans, mobile Internet, inclusive supplementation, online and offline" as its business policy, focusing on inclusive finance services for a long time and accurately serving long-tail customers at the end of the real economy.
Insist on innovation and seek the road of commercialization.
With the initial heart, how to implement it is the key. Most importantly, microfinance is a world-class problem. It is not easy to solve the problem of financing difficulties and expensive financing for small and micro enterprises.
The degree of digitalization and informatization of small and micro enterprises is generally not high, lacking systematic corporate governance structure and complete financial statements, with vague credit portraits and no collateral. For commercial banks, identification is difficult and evaluation risk is high. Especially under the influence of the current domestic and international economic environment, domestic monetary policy changes and the COVID-19 epidemic, the survival and development of small and micro enterprises are being impacted.
These are real problems faced by banks, which bring severe challenges to commercial banks as risk operators, and then affect their willingness to provide financing for small and micro enterprises.
In this case, Wangxin Bank has explored a safe, efficient and sustainable way to support microfinance by technical means, and has created considerable achievements.
The key words of this road are: digital technology and business innovation.
The new website has set up several risk identification systems independently, including risk model and index system, credit strategy system and fraud model system. Risk management has expanded from a simple cash flow model based on financial data to a high-dimensional variable decision-making model. By using technologies such as face recognition, biological probes, equipment fingerprints and related networks, the problem of "difficult risk identification" in small and micro enterprises has been effectively solved, making inclusive finance "technically feasible".
In addition to technological innovation, Wangxin Bank constantly innovates and adjusts its mature business model and applies it to microfinance business. For example, through the innovation of supply chain financial service model, Wangxin Bank has realized the digital upgrade of the medical industry, making it possible for some small and medium-sized enterprises.
At the same time, Wang Xin Bank's "good enterprise e-loan" has found a way to help "specialized and innovative" enterprises. With the help of big data, artificial intelligence and other technologies, 3354 granted credit to "specialized and innovative" enterprises through cross-validation of risk data and risk model, which broke the risk control problem caused by incomplete information and asymmetric information between the original enterprises and banks, and effectively solved the business pain points such as trust transfer and risk management.
Wangxin Bank broke the financing dilemma of small and micro enterprises and embarked on a sustainable development management road with digital technology and innovation.
Aiming at the future, the "firm technical position" will not waver.
Digitalization is not only the digitalization of an enterprise, but also the digitalization of the whole industry. At present, digital technology is rapidly changing some old ecology and consolidating new construction. When policy opportunities and technological opportunities are perfect, the social and commercial value of financial services to the real economy will be clearer.
At present, more and more banks have entered the practice of digital transformation and perfected the details of digital finance in all directions. Therefore, a bank that has practiced the feasible path, such as Xinwang Bank, can provide some reference experience and have the opportunity to make more attempts in technological innovation.
In order to better serve small and micro enterprises, Wangxin Bank has more plans.
First of all, we should continue to adhere to the development strategy of "establishing a bank through science and technology", digitally recreate the whole process of banking business, drive business development through science and technology, continuously iterate the big data risk control system at high frequency, cooperate with mainstream financial institutions as a "supplement" to digital inclusive finance, expand the service radius of small and micro groups, and continue to practice digital inclusive finance.
The second is to optimize the internal incentive mechanism and improve the assessment weight of financial business of small and micro enterprises. In terms of comprehensive services, statistical accounting, risk management, resource allocation, evaluation, etc. The new bank will tilt its resources to the financial services of small and micro enterprises and play a "baton" role in performance appraisal. At present, Wangxin Bank has increased the assessment score weight of financial business of small and micro enterprises in all relevant branches of the Bank, and faithfully implemented the requirement of "increasing the weight of inclusive finance in the comprehensive performance assessment index of banking financial institutions to over 65,438+00%".
It is to broaden the operation mode again and upgrade the product from "no scene" to "scene". In 20021year, the new network bank gradually upgraded its model in three stages: first, relying on its own platform, it adopted a fully self-operated and scenario-free cloud credit model, the most typical of which was its "good business loan" product; Second, using the credit model based on business data and relying on the business information of some small and micro enterprises, including tax and invoice data, accurately locate the needs of small and micro enterprises and launch the "good enterprise e-loan" product; The third is to use the credit model based on transaction scenarios to go deep into different numbers.
In the word industry scene, products such as "order loan" and medical supply chain are launched around accounts receivable, accounts payable and inventory, and trading credit is tried to replace the main credit, so that the business can be deeply integrated into the ecology.
Of course, the problems of small and micro enterprises need the coordination of all parties. After some exploration and practice in recent years, Wang Xin Bank believes that the first task is to open up relevant data, further optimize the functions of digital infrastructure, break the "information islands" and "data islands" between different departments and institutions, build a unified information sharing platform, improve the fluency and utilization rate of data, and deeply explore the potential value of data.
Related questions and answers: How to make good use of the commercial loan of Bank of Communications first needs to apply for a good loan from Bank of Communications. After the application is successful, you need to sign a contract with Bank of Communications, and set the initial amount and the number of installments; After signing the contract, within the validity period of a good credit line, the eligible single credit card consumption will be automatically phased according to the agreed number of periods. For example, when the initial amount is 1 1,000 yuan and the consumption is 1 1,000 yuan, the credit line will be automatically used first. Bank of Communications (English BCM, Chinese Bank of Communications) was established in 1908. It is one of the six largest banks in China, one of the oldest banks in China and one of the modern note-issuing banks in China. 1 987 April1day, the newly established Bank of Communications officially opened to the outside world, becoming the first national state-owned joint-stock commercial bank in China, with its head office in Shanghai. Bank of Communications was listed on the Hong Kong Stock Exchange in June 2005 and successfully listed on the Shanghai Stock Exchange in May 2007. Bank of Communications is one of the major financial service providers in China, covering commercial banks, securities, trusts, financial leasing, fund management, insurance and offshore financial services. There are 235 domestic branches of Bank of Communications, including 30 provincial branches, 7 directly affiliated branches, 99 provincial branches/kloc-0, and 3,270 outlets in 239 cities above prefecture level and 158 counties or county-level cities. It owns seven non-bank companies, including wholly-owned subsidiaries of Bank of Communications Leasing, Bank of Communications Insurance and Bank of Communications Investment, and holding subsidiaries of Bank of Communications Fund, Bank of Communications Guo Xin, Bank of Communications Life Insurance and Bank of Communications International. In addition, Bank of Communications is the largest shareholder of Changshu Rural Commercial Bank and the largest shareholder of Tibet Bank. Strategic shareholding in Hainan Bank, holding four rural banks. 20 19 July, Fortune Global 500 released: ranking 150. "Belt and Road" ranking of China enterprises 100. 20 19 February, 65438 was selected as the brand of China Brand Power Festival 100. In March 2020, it was selected as one of the top 500 global brands. Related questions and answers: Is provident fund loan better or commercial loan? The main points of using provident fund loans are: the loan amount should be sufficient, the loan time should be long, and the number of loans should be cherished.
Because the interest rate of provident fund loans is low, and you can use the funds in your own provident fund account to repay the loan, which is very cost-effective.
So how to choose to use provident fund loans to ensure maximum cost savings? Taking the provident fund loan policy in Shanghai as an example, the author introduces the current provident fund loan policy in Shanghai, and then provides some suggestions for the questioner in combination with these policies for reference.
1. How favorable is the interest rate for provident fund loans? (LPR index is not considered for the time being)
1. If the first home is purchased, the loan interest rate is 3.25% of the benchmark interest rate of the housing provident fund loan;
2. If you buy a second set of improved housing, the loan interest rate will rise to 1. 1 times the benchmark interest rate of housing provident fund loans, which is almost 3.8%.
We should know that the benchmark interest rate of commercial loans in Shanghai is 4.9% at present, and the second interest rate should rise at least 10%, that is, the interest rate of 5.4%, which is basically 1.5 times that of provident fund loans.
According to the calculation of the first suite, the loan is 654.38+0,000 yuan for 30 years, and the principal and interest repayment of the provident fund loan is 654.38+0.567 million yuan; If a commercial loan is used, the loan will be 65,438+0,000,000 for 30 years, and the matching principal and interest repayment will be 65,438+0,965,438+0,000.
In other words, if the provident fund loan is 6,543,800 yuan, it will save more than 300,000 yuan compared with the total commercial loan.
Second, how much can the provident fund loan be borrowed?
According to Shanghai's policy, the total amount of provident fund loans varies according to the first suite, the second suite, whether there is supplementary provident fund and the number of participants. Please refer to the following table for details:
3. How many years can the provident fund loan be borrowed?
According to Shanghai's policy, the longest loanable period of provident fund loans is the following minimum, and pay attention to the minimum:
1. The longest term of provident fund loans shall not exceed 5 years after the applicant's statutory retirement age (statutory retirement age: 60 years for men and 55 years for women);
2, the purchase of new auction commercial housing or first-hand existing houses, provident fund loans for a maximum period of not more than 30 years;
3. Buy a second-hand house:
(1) If the house age is less than 5 years (inclusive), the longest term of the provident fund loan shall not exceed 30 years;
(2) The house age is 6 years to 19, and the longest term of the provident fund loan shall not exceed the difference between 35 years and the house age;
(3) If the house age exceeds 20 years (inclusive), the longest term of the provident fund loan shall not exceed 15 years.
Because the provident fund loan can only be used twice, the second use needs to settle the first loan, so there are still some skills in using the provident fund loan.
According to the current situation of the project, it is suggested to consider the following circumstances to make a decision:
1. Do I have to buy a house now? How is the local property market? This question can query the following local property market transaction volume and transaction price trend. After all, it is not a small expenditure. Whether it is investment or just need, we must understand the development trend of the local property market.
2. If the local property market develops well, buy a house first and get on the bus first. Because although the provident fund saves some money, the appreciation of the house will exceed your price difference.
If the local property market develops steadily, this situation will be more complicated. Do you want to consider whether to replace it in the future? How long will it take to face the problem of substitution? Because of the replacement, you have to pay off this provident fund loan before you can use it for the second time.
If you really can't judge and make a decision, then I suggest you don't use provident fund loans easily. You can buy a house first, and then use provident fund after you gradually understand the policy and the property market. Because the provident fund can not only be loaned, but also directly withdrawn.
Postscript:
According to the provisions of Article 24 of the Regulations on the Management of Housing Provident Fund, if an employee has one of the following circumstances, he can withdraw the storage balance in the employee's housing provident fund account:
(a) the purchase, construction, renovation and overhaul of owner-occupied housing;
(2) retirement;
(three) completely lose the ability to work, and terminate the labor relationship with the unit;
(4) Having left the country to settle down;
(5) Repaying the principal and interest of the house purchase loan;
(six) the rent exceeds the prescribed proportion of family wage income.