The State Administration of Finance and Administration issued a notice on March 28, which clarified the overall target of Puhui Credit in 2024, namely, the amount of quantity, stabilization, and excellent structure.
The “Notice on Doing a good job in 2024” is clear that in 2024, Puhui Credit work must be based on the requirements of high -quality development of service, firmly grasp the political and people’s nature of financial work, and deepen the structural structure of financial supply sideReform, optimize the allocation of financial resources, and form an inclusive credit service system that is compatible with the development of the real economy, and better meet the diversified financial needs of small and micro enterprises, agricultural -related business entities and key assistance groups.
The notice requires to maintain inclusive credit support, and proposes small and micro enterprises, agricultural -related entities, and loan growth targets in small and micro enterprises, agricultural -related entities, and poverty alleviation areas.The banking financial institutions are required to focus on the needs of small and micro enterprises’ operating funds, reasonably determine the rhythm of credit investment, and strive to achieve the goal of the growth rate of inclusive small and micro -enterprise loans not less than the growth rate of various loans.
In terms of stable credit service prices, notifying the bank to strengthen the management of loan pricing, reasonably determine the level of interest rates of inclusive small and micro -enterprise, and the interest rate of agricultural loan -related loans, and promote the steady reduction of comprehensive financing costs.
In terms of optimizing the credit structure, it is notified that the banking financial institution is required to enhance the service capabilities of the legal person in small and micro enterprises, increase the first loan and renewal loans, actively develop small credit loan products, promote the loop loan model with the borrowingThe development of scientific and technological innovation and green and low -carbon in micro -enterprise has strengthened the guarantee of credit supply to small and micro enterprises in the fields of supply chain supply chain, foreign trade, and consumption in the fields of key industrial chain, and increased credit investment in key areas of grain and poverty alleviation.
The notification requires the banking financial institution to improve the institutional mechanism, and maintain the investment in inclusive credit business resources through single -column credit plans, performance assessment tilt, and internal fund transfer pricing discounts.Enhance digital business capabilities, optimize credit approval models, and build a “credit+” service model.Maintain full coverage of rural basic financial services and promote the upgrading of rural basic financial services.Improve the convenience of specific groups such as disabled people and elderly people to enjoy financial services.
Guo Wuping, Director of the Inclusive Finance Department of the General Administration of Finance Supervision, said that this is the first time that the State Administration of Finance Supervision has proposed the concept of “inclusive credit”.For the people and the people, the supervisory goal is to “keep quantities, stabilize the price, and excellent structure”, and establish a inclusive credit system.
Data show that as of the end of 2023, the balance of loan loans in my country ’s inclusive small and micro enterprises was 29.06 trillion yuan, an increase of 23.27%year -on -year, which was 13.13 percentage points higher than the growth rate of various loans.The balance of inclusive agriculture -related loans was 1.259 trillion yuan, an increase of 20.34%year -on -year, which was 10.2 percentage points higher than the growth rate of various loans.832 poverty alleviation counties’ loan balances were 12.3 trillion yuan, an increase of 14.7%year -on -year; 160 countries in the country’s rural rejuvenation focused on the balance of various loans of the counties of 1.9 trillion yuan, an increase of 15.85%year -on -year.(Reporter Li Yanxia)
Report/feedback
