寻找申城银行普惠金融新亮点,新闻晨报启动申城银行业普惠金融品牌评选活动

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Source: Morning News Author: Jolin Business

A few days ago, Li Junfeng, director of the Bank of China Insurance Supervision and Management Committee, said at the 11th Lujiazui Forum that the regulatory level is working on《推进普惠金融发展规划(2021-2030)》. In addition, documents will be further developed in the second half of the year to better guide commercial banks to further exert their efforts in microfinance.

Commercial banks are the backbone of the development of inclusive finance. State-owned big banks and joint-stock banks are the “leaders”. They are constantly deepening their efforts in inclusive finance and striving to serve more small and private enterprises.

What about the banks in Shanghai?

The Morning News officially launched the "Support for Private Economy, Practicing Inclusive Finance Shencheng Banking Pratt & Whitney Financial Brand Selection" activity.

Our reporters will visit various banks in Shanghai to learn more and discover wonderful stories.

And through the netizen vote and expert review, the final evaluation of "2019 annual Chengcheng Bank inclusive financial brand."

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Since 2018, the development of inclusive finance has become the top priority of financial institutions. The regulatory level has continuously released new policies, and various commercial banks are constantly adapting to changes and accelerating the inclusive financial business.

Director Li Junfeng believes that since last year, the bank has supported six major changes in Inclusive Finance. For example, commercial banks pay more attention to micro and micro financial services in their development strategies; they are more sound in terms of mechanism construction, and the five major industries, agriculture, China, construction and trade. The Bank has established the Inclusive Financial Business Unit to implement the “Five-Special Mechanism”; in addition, the online digital credit technology is more mature; the Banking Regulatory Commission has formulated a series of differentiated regulatory policies to promote commercial banks to better serve small and micro enterprises.

The achievements made by commercial banks are also obvious to all.

xx最新数据显示,有660万家小微企业贷款,约占正常运营的小微企业数量的25%。有1200万户家庭向个体工商户提供贷款,占整个工商户的比例。率约为16%。这表明商业银行对小微企业的融资范围不断扩大。

而且,按照国家标准,微型企业贷款数量为35万亿元,占全部贷款的24%。信贷不足1000万元的包容性小额贷款目前为10.04万亿元。从2018年到现在,信贷不足1000万元的贷款增加了2.36万亿元,增长了31%,比各种贷款增长率高出12.5个百分点。这意味着商业银行增加了对小微企业的信贷供应。

2019年前四个月,商业银行向小微企业支付的利率为6.9%,中国大型银行发行的小微企业利率为4.78%。今年第一季度发布的小微企业利率比去年同期低0.9个百分点。也就是说,商业银行对小微企业的利率逐步下降,降低了融资成本。

此外,许多商业银行正在提高小微企业的服务效率。最初批准的贷款在一个月甚至几个月内完成,大部分银行现在可以在7个工作日内完成贷款,大大节省了小微企业的融资时间,成为及时降雨。

这些变化和成就表明,在监管部门的推动下,各银行的包容性金融服务正在高质量地发展。

据记者初步了解,上海大部分商业银行积极响应党中央,国务院的号召,实施“民营企业,小微企业等实体经济金融服务的实施”。和“促进减少小微企业的融资成本”。政策导向,在包容性金融方面不断深入培育,努力下沉,努力为更多的小型和民营企业服务。

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一些银行制定了政策和政策,并逐步实施。例如:

工商银行上海分行全面实施总行包容性金融业务发展战略规划,坚持做小,新,实,实用的经济利益;

中国农业银行上海分行还成立了专门的普惠资金部,作为本行包容性金融业务和三大农村业务的牵头部门;

交通银行上海分行全面实施“新,全,低”普惠和科技金融发展道路,探索,打造品牌,降低资金费用;

光大银行上海分行实施总公司“做好普惠金融业务部”,做阳光普惠品牌,做好技术体系,严格控制机制,建设团队的“五做”要求。好”。

一些银行推出了创新产品或服务,以解决融资困难,融资和小企业融资缓慢等问题。例如:

中银上海分行推出近20个产品和服务,如“中银包容性金融商城”平台和中银电子企业,帮助中小企业融入全球价值链;

建行上海分公司密切关注上海国际城市的发展,发挥“三连四经”的优势,围绕农村振兴战略构建城市包容性金融的新格局,新模式和新生态;

上海浦东发展银行上海分行不断加大对企业资源的投入,加强小微产品系统的不断创新,推动综合服务模式的不断升级。

此外,各银行还有其他业务亮点,特殊服务和典型案例等待记者在随后的访问中慢慢显现。

同时,欢迎大家参与晨报“支持民营经济,实行包容性金融深城银行普惠金融品牌选择”,并投资于深圳银行的包容性金融品牌。

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投票链接如下:

https://jinshuju.net/f/KfiCRQ?from=groupmessage&isappinstalled=0