1. National inclusive small and micro enterprise loans accounted for 202,267%.

Data from the 2022 mid-term report show that the loan balance of small and micro enterprises is nearly 23 trillion, accounting for 67%, an increase of 23.8% year-on-year.

Small and micro enterprises are a collective term for small enterprises, micro-enterprises, and family-run enterprises. In 2015, my country implemented the tax threshold policy for small and micro enterprises and individual industrial and commercial households and the halved income tax policy for small and low-profit enterprises, reducing taxes by nearly 100 billion yuan.

2. What does the periodic interest rate reduction for small and micro enterprises mean?

1. The periodic interest rate reduction for inclusive small and micro enterprises is to reduce the interest rate for inclusive small and micro loans in the fourth quarter of 2022 by 1 percentage point on the annualized interest rate based on the original loan interest rate.

2. The People's Bank of China will provide equal financial compensation through interest rate swaps based on the actual interest rate reduction amount of financial institutions, and use policy tools to effectively support relevant financial institutions in implementing periodic profit-sharing policies.

3. What is Xinyidai? Xinyidai refers to the loans provided by the national comprehensive credit service platform for small and medium-sized enterprise financing. It mainly provides financing services for various places.

1. In order to solve the problem of banks and enterprises screening out enterprises with high credit quality so that their normal financing needs can be met, my country began to use the Xiang platform in 2018 to gather various types of credit information and achieve financing with good credit status and favorable conditions through cooperation with financial institutions. Credit services.

This is the second connotation of "Xinyi Dai". In essence, it is "an innovative inclusive financial product of Xinyi Elements. The focus is to solve the problem of information asymmetry between banks and enterprises by strengthening the collection and sharing of credit information.

Supervise and guide the efforts of financial institutions. The Notice on Exploring the "Xinyi Loan" Work on October 11, 2018 marked the official launch of the "Xinyi Loan" work on September 12, 2019.

The "Notice on Deepening the Financing of Small, Medium and Micro Enterprises" was released. At the summit forum on September 24, 2019, the national comprehensive credit service platform for small and medium-sized enterprise financing was officially launched online, "Xinyidai" platform.

This platform was built by Guotou to accelerate the "Xinyi San". Currently, there are 301 cities on the platform, nearly 30 financial institutions have settled on the platform, and there are nearly 30 credit service institutions. It can be said that financing can be submitted online on the platform.

Then the platform will intelligently match supply and demand, and use reports to provide reference for financial institutions. After distributing loans, the platform will also provide multiple services such as service effectiveness assessment, post-loan risk warning, and intelligent collection.

In general, the advancement of "Xinyidai" work has the following important significance: 1. Revitalize government data and give full play to the development of credit information. 2. Reduce the information costs of banks and enterprises and improve the financing problems of small and micro enterprises.

3. Create a good credit environment with credit endorsement, obtain credit loans, and create a good credit environment based on the value of credit. The notice focuses on the in-depth development of "Xinyidai" to support the financing of small, medium and micro enterprises.

Key tasks: First, rely on the national credit information sharing platform. On the one hand, integrate credit in the fields of taxation, market supervision, customs, justice, water, electricity, gas bills, social security, and housing provident fund payment.

Information, establish and improve a credit information collection and sharing inquiry mechanism; on the other hand, encourage credit reporting agencies and credit service agencies to provide credit products and services for small, medium and micro enterprises, and establish and improve the credit evaluation system for small, medium and micro enterprises. The second is product innovation

. Encourage financial institutions to connect with the national comprehensive credit service platform for small and medium-sized enterprise financing, innovatively develop "Xinyidai" products and services, and increase the promotion of the "Xinyidai" model to improve risk management capabilities and reduce risks.

The third is risk disposal. On the one hand, we should innovate the "Xinyidai" default risk disposal mechanism and encourage financial institutions to establish an online information sharing platform to jointly deal with untrustworthy debtors.

Punishment; on the other hand, risk mitigation funds or risk compensation funds. The fourth is to study and formulate "Xinyidai" statistical report specifications and regularly share statistical data; at the same time, establish a special evaluation mechanism for "Xinyidai" work.

The evaluation is carried out from two dimensions: financial institutions and local governments. The evaluation results of financial institutions are included in the financial services supervision and evaluation index system for small and micro enterprises, and the evaluation results of local governments are included in the monitoring of urban credit status. 4. The central bank’s inclusive finance report on the credit of small and micro enterprises.

By how many percentage points did loans increase? The loan coverage rate of small and micro enterprises increased by 10.66%. The following is the original news of the event for reference. Recently, the Shanghai Banking Regulatory Bureau and the Shanghai Insurance Regulatory Bureau jointly released the "2017 Shanghai Inclusive Financial Development Report", "Report"

A comprehensive review of the overall situation of promoting inclusive financial business in Shanghai in 2017, covering the inclusive financial business of banks, securities, insurance, financing guarantee companies and other new financial institutions, reflecting the development of regional inclusive finance from the perspective of all financial industries

situation.