In recent years, the National Development and Reform Commission (NDRC) has been committed to alleviating the financing difficulties and high costs of small and medium-sized enterprises. Small and medium-sized enterprises are a new force in the national economy, but the financing of small and medium-sized enterprises is also a worldwide problem. The meeting stressed that it is necessary to develop inclusive finance and effectively alleviate the financing difficulties and high costs of enterprises, especially small and medium-sized enterprises. At present, the global epidemic is still evolving, the external environment is more complicated and severe, and the domestic economic recovery is still unstable and uneven. To stabilize growth and ensure employment, it is important to protect market players, especially small and medium-sized enterprises with a large number and wide coverage. Solving the financing problem of small and medium-sized enterprises is of overall significance to stimulate the endogenous motivation of market players and consolidate the foundation of economic recovery.

How does "Xinyi Loan" empower SMEs to finance?

In recent years, in accordance with the decision-making arrangements of the CPC Central Committee and the State Council, the relevant state departments have taken a series of effective measures to support the financing of small and medium-sized enterprises. In the process of taking the lead in promoting the construction of social credit system, they will vigorously promote the "credit-easy loan" model with the CBRC and other departments, fully tap the value of credit information based on credit information sharing and big data development and application, alleviate the information asymmetry between banks and enterprises, and build a "credit golden bridge" between financial institutions and small and medium-sized enterprises.

Relying on the national credit information sharing platform, the national comprehensive credit service platform for SME financing was built and operated, and it was connected with 255 local platforms or sites to provide credit information inquiry services for banks, insurance, guarantees and credit services, which improved the accurate portrait ability of SMEs and formed a virtuous circle of "obtaining loans with credit and promoting credit with credit".

From the national situation, as of the end of July, the balance of Pratt & Whitney small and micro loans was 17.8 trillion yuan, a year-on-year increase of 29.3%. In July, the interest rate of new corporate loans in inclusive microcredit was 4.93%, which was 0. 15 percentage points lower than that at the end of last year. Judging from the financing credit service platform, as of the end of August, there were 9.994 million registered enterprises, and accumulated loans through the platform exceeded 4 trillion yuan. The average interest rate of loans issued by some local platforms is about 1 percentage point lower than the national interest rate of small and micro loans. It should be said that the "easy credit" model has played an important role in supporting the financing of small and medium-sized enterprises.

In accordance with the relevant work arrangements of the CPC Central Committee and the State Council, we will speed up the pace of enjoying credit information service, further popularize and improve the "credit-to-loan" model, promote financial services to the real economy, and provide solid support for doing a solid job in the "six guarantees" and fully implementing the "six guarantees" task.

Further strengthen the application of credit information. At present, relevant policy documents are being studied and drafted, and information such as tax payment, social insurance premium and housing accumulation fund payment, water and electricity, warehousing and logistics, real estate and intellectual property rights will be included in the scope of * *, so as to consolidate the role of credit information in promoting the financing of small and medium-sized enterprises.

Further improve the network of financing service platforms. Support qualified places to make full use of existing information systems, coordinate the construction of financing service platforms, and build a nationwide integrated network of financing credit service platforms.

Further strengthen risk monitoring and information security. Give full play to the basic role of credit in financial risk identification, monitoring, management and disposal, and enhance the ability of risk prevention. Strengthen the protection of information security, business secrets and personal privacy, prevent information from being illegally used, and protect the rights and interests of subjects.

What is the effect of the innovative application of "Credit Easy Loan"?

In the process of deepening the work of "credit-to-loan", all localities and financial institutions actively explore the "credit-to-loan" model that conforms to the local development reality and reflects the characteristics of their own units, providing important reference and beneficial experience for the innovation of "credit-to-loan" products and services. At present, there are four mature aspects, one-stop service, three-dimensional portrait, convenient handling and multi-channel sharing.

I. One-stop service

Taking Zhejiang Province as an example, the "Easy Credit Loan" platform in Zhejiang Province relies on the provincial public data center and the national easy credit loan data to build a financial subject database, develop "one-click query" information and enjoy services. The whole process supports pre-loan investigation, credit approval and post-loan management. The platform has established a lending system covering three banks in provinces, cities and counties, managed 20 1 banking institutions online, and accurately docked 1 1.2 million enterprises. In other words, after accessing the platform, SMEs can freely choose the loan services provided by these 200 banking institutions without running one by one. At the same time, the platform has also realized the collaborative docking with natural resources, market supervision, information and other 1 1 departments. If you need to call the credit data involving these departments when handling related business, you can also achieve "one-stop" processing. For example, to realize the online registration of real estate mortgage, the business processing time has been reduced from 5-8 working days to less than 5 hours, greatly shortening the time for customers to wait for loans.

Second, three-dimensional portraits.

Take Xiamen as an example, take the demand of financial institutions as the guide, collect social security, medical insurance, water, electricity, provident fund, real estate verification, justice and other information closely related to enterprise operation according to laws and regulations, and open it to financial institutions and credit service institutions according to relevant regulations. At the same time, improve the standards and norms of credit information, strictly implement the requirements of enterprise authorization, and promote relevant institutions to distribute and use credit information on the premise of ensuring safety. What needs to be explained here is that when handling the easy credit loan business, not all loan-related information is provided at one time. There are many ways to do this. Some information can be used directly, some sensitive information can only be used with the authorization of enterprises, and some more sensitive information can even be "available or unavailable" through technical means such as joint modeling. The so-called joint modeling means that the lending institution can establish a risk assessment model on the platform and use the platform data to get the calculation results, but it can't see or keep the original data of the enterprise applying for loans. We are very concerned about information security, paying special attention to protecting business secrets and personal privacy.

Third, it is convenient to carry.

Taking Agricultural Bank of China as an example, a special credit evaluation system for small and medium-sized enterprises is developed in view of the characteristics of scattered, retail and long tail, so as to realize rapid application and repayment of loans by enterprises. Traditionally, the approval process of credit business for small and micro enterprises takes several weeks, but now it is shortened to less than three days through online processing. At present, the service has been connected with the national financing and credit service platform and 14 local platform, and * * * is a homogeneous service ecosystem for small and micro enterprises under construction.

Fourth, multi-channel sharing

Sharing mainly refers to risk sharing, which is explored everywhere. For example, some places set up policy financing guarantee funds to give preferential support to small and medium-sized enterprises with good credit; For another example, some localities integrate financial support for small and medium-sized enterprises, set up local risk mitigation funds, and share the actual principal loss of non-performing loans with cooperative banks in proportion. At the national level, recently, the National Public Credit Information Center, which is also the operator of the national SME financing comprehensive credit service platform, signed a strategic cooperation agreement with the national financing guarantee fund to promote banks to dare to lend, be willing to lend and be allowed to lend through the cooperation mode of "information sharing+risk mitigation". Through such cooperation, while simplifying the guarantee approval process, the credit limit of some "Xinyi Loan" financing products has been increased by nearly 1 times.

In the future, the relevant departments will continue to increase the promotion of "loan-to-credit", constantly sum up new and good experiences and practices, better play the positive role of the "loan-to-credit" model in promoting the financing of small and medium-sized enterprises, and better alleviate the difficulties of small and medium-sized enterprises.