1. What methods can be used to solve the problem of loan difficulties for small and micro enterprises? To answer the question of the original poster, in order to solve the problem of loan difficulties for small and micro enterprises, the following aspects can be considered: 1. Establish and improve the loan approval mechanism, business incentive mechanism, and loan issuance operation process for small and micro enterprises.

, Credit rating assessment 2. Improve management mechanism.

Sort out business processes and strengthen the level of loan management for small and micro enterprises. Third, segment the market, actively carry out product innovation for small and micro enterprises, and break the bottleneck of difficulty in guaranteeing small and micro enterprises and insufficient collateral.

4. Optimize operating procedures.

Give priority to credit and batch credit to small and micro enterprises, and adopt "one-time credit, loan as needed, balance control, and turnover use" to meet the "short-term, frequent, and fast" loan needs of small and micro enterprises.

In addition, like Jiangchuan Finance, we can also focus on the second source of repayment for small and micro enterprises and add joint liability guarantees.

His reputation is now very good. At the 9th China International Financial Forum, he also proposed the "loan outsourcing model", which has great inspiration for solving the problem of loan difficulties for small and micro enterprises. If you are interested, check it out.

2. Can Ping An Digital Pocket help small, medium and micro enterprises solve the problem of loan difficulty?

It is a product launched for small and medium-sized business owners who pay taxes honestly, using the enterprise as the basis for credit, and providing them with Internet credit loan services.

The product has the characteristics of convenient application and profit. 3. How to solve the problem of financing difficulties of small and micro enterprises. Reduce taxes and improve personal consumption power!! As long as there is a consumer market, small and micro enterprises can survive! 4. How to solve the difficulty of obtaining loans for small and micro enterprises.

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The corresponding measures to solve the problem include the following: (1) Improve the information service sharing mechanism and enhance the financing capabilities of small and micro enterprises.

On the premise of ensuring information security, accelerate the construction of information service platforms for small and micro enterprises, break "information islands", and realize "one-stop sharing" of small and micro enterprise data.

For example, integrating information systems such as the People's Bank of China's enterprise credit system, the directory system of industrial and commercial small and micro enterprises, the small and medium-sized enterprise credit information inquiry system of the Industry and Information Technology Commission, the enterprise credit data inquiry system of the National Development and Reform Commission, the tax payment credit system of the tax bureau, and the water, electricity, gas and other billing systems to achieve cross-border

Interconnection across levels and across regions.

On the one hand, it can guide small and micro enterprises to improve their financial systems, abide by the law and operate with integrity, and increase the cost of forging materials to defraud loans and subsidies; on the other hand, it can solve the problem of banks' difficulty in obtaining operating data of small and micro enterprises, through real and convenient network big data

Support, enhance the financing capabilities of small and micro enterprises, and realize the batch issuance of credit to small and micro enterprises.

(2) Establish a multi-level financing guarantee fund to enhance the guarantee strength of small and micro enterprises.

At present, a financing guarantee fund has been established at the national level, mainly to solve the problems of financing difficulties and lack of collateral for small and micro enterprises, and to issue corresponding guidance.

On the premise of implementing unified business standards and management requirements, the construction of provincial and municipal guarantee systems should be accelerated. Local financial departments can initiate the establishment of provincial and municipal guarantee institutions, integrate existing guarantee funds, and use local legal person financial institutions to invest in shares.

For the purpose of profit, relying on the integrated small and micro enterprise information service platform, we will speed up the improvement of provincial and municipal guarantee cooperation mechanisms.

It is necessary to improve the assessment and incentive mechanism to ensure that local finance and corporate financial institutions conscientiously fulfill their obligations as investors and pay the promised funds in installments.

(3) Enhance the continuous supply of credit to small and micro businesses and improve the level of banking services for small and micro businesses.

Regulatory authorities should urge banks that have not yet established inclusive finance departments to establish institutions as soon as possible, fully staff small and micro enterprise account managers, actively set up community branches and small and micro sub-branches that are rooted in the grassroots and serve small and micro enterprises, and give full play to the bank's "crowd tactics"

Advantage.

Encourage banks to appropriately decentralize loan authority for small and micro enterprises under 10 million yuan to shorten the loan approval chain for small and micro enterprises, actively innovate credit products for small and micro enterprises, flexibly set repayment methods and interest calculation methods, and increase the proportion of online applications and approvals.

Realize business automation and batching, improve service efficiency for small and micro enterprises, and strive to form a small and micro credit factory model.

Improve the internal incentive and assessment mechanism of banks, tilt the performance assessment towards credit extension to small and micro enterprises, implement the due diligence and exemption measures for small and micro enterprises in credit granting, and increase the tolerance of non-performing loans of small and micro enterprises.

Based on big data and cloud computing capabilities, as well as the massive transaction data and payment data accumulated by trading platforms such as Taobao and JD.com, new Internet banks can fully mine the credit data of small and micro enterprise customers and realize automated loan approval.

(4) Strictly investigate banks’ misappropriation of credit funds and reduce the financing costs of small and micro enterprises.

Regulatory authorities should intensify supervision and discipline enforcement, carry out special activities to control the squeeze on credit funds of small and micro enterprises, urge the banking industry to conscientiously implement the requirements of the "seven prohibitions", "four disclosures" and "two prohibitions and two limits", and use data capture methods to

Conduct focused investigations on financial institutions where small and micro enterprises have loans and deposits from the same bank, and where they have loans and purchase financial products.

The banking industry should establish a service supervision card and service supervision complaint hotline for small and micro enterprise loan issuance, supervise the transfer of loans to deposits, loan charging, and loan tying, and effectively use all credit funds of small and micro enterprises for enterprise production and operation.

(5) Expand debt financing channels for small and micro enterprises and lower the financing threshold for small and micro enterprises.