1. In order to solve the problem of information asymmetry between banks and enterprises, help banks screen out enterprises with high credit quality and meet their normal financing needs, since 20 18, China has relied on credit information sharing platforms at all levels to gather all kinds of credit information and realize the use of credit information with financial institutions, providing convenient and preferential financing credit services to trustworthy subjects with good credit status and meeting credit support conditions. This is the connotation of "trust and easy loan".
Second, "Easy Credit" is essentially an innovative inclusive finance product with credit as the core element. The key point is to solve the problem of information asymmetry between banks and enterprises by strengthening the collection and enjoyment of credit information, and to urge and guide financial institutions to increase their support for small and medium-sized micro-enterprise credit loans. 2018101The National Development and Reform Commission issued the Notice on Exploring the Work of "Easy Credit Loan", which marked the official start of the work of "Easy Credit Loan". 20 19, 12, the National Development and Reform Commission and the China Banking Regulatory Commission jointly issued the Notice on Deepening the Financing Work of Credit Easy Loan to Support Small and Medium-sized Enterprises, and continued to promote the implementation of this work. 2065438+On September 24th, 2009, at the China Urban Credit Construction Summit Forum, the national comprehensive credit service platform for SME financing was officially launched, which is also known as the national "credit link" platform. This platform, led by the National Public Credit Information Center, is an important carrier to speed up the popularization of "easy credit" in the whole country.
Third, the platform currently has 30 1 city, nearly 30 financial institutions and nearly 30 credit service institutions, which can be said to have begun to take shape. Enterprises can submit financing needs online on the platform, and then the platform will intelligently match supply and demand, and credit service institutions will issue credit reports to enterprises to provide reference for financial institutions. After the loan is issued, the platform will also provide a number of services such as service effect evaluation, post-loan risk early warning and intelligent collection.
Fourth, in general, the promotion of "easy credit" has the following important significance:
1. Revitalize government data, give full play to the application value of credit reporting, and serve the development of the real economy.
2. Reduce the information cost of banks and enterprises, improve the efficiency of industry-finance docking, and alleviate the financing problems of SMEs.
3. Endorsed by credit, obtain credit loans, form the value orientation of trustworthy benefit and valuable credit in the whole society, and create a good credit environment.
Fifth, the work focuses on promoting the work of "credit and easy loan". The Notice on Deepening the Credit Easy Loan to Support the Financing of Small and Medium-sized Enterprises talks about six key tasks, which are summarized by senior three students as follows:
The first is platform construction. Relying on the national credit information sharing platform, on the one hand, it integrates credit information in the fields of taxation, market supervision, customs, justice, water, electricity, gas fees, social security, housing provident fund payment, etc., and establishes and improves the credit information collection and sharing inquiry mechanism; On the other hand, credit reporting agencies and credit service agencies are encouraged to provide credit products and services for small and medium-sized enterprises, and establish and improve the credit evaluation system for small and medium-sized enterprises.
The second is product innovation. Encourage financial institutions to connect with the national SME financing comprehensive credit service platform, innovate and develop "credit-easy loan" products and services, and increase the promotion of the "credit-easy loan" model. Encourage financial institutions to improve their risk management capabilities, reduce excessive dependence on collateral, and gradually increase the proportion of credit loans in SME loans.
The third is risk disposal. On the one hand, innovate the default risk disposal mechanism of "easy credit", encourage financial institutions to establish online compulsory notarization mechanism, and rely on the national credit information sharing platform to carry out joint punishment on untrustworthy debtors; On the other hand, support local governments to set up special risk mitigation funds or risk compensation funds for "easy credit loans". The fourth is assessment and incentive. Study and formulate the norms of "credit-easy loan" statistical statements and enjoy statistical data on a regular basis; At the same time, a special evaluation mechanism of "easy credit" was established, which was evaluated from two dimensions: financial institutions and local governments. The evaluation results of financial institutions are included in the evaluation index system of financial services supervision of small and micro enterprises, and the evaluation results of local governments are included in the monitoring of urban credit status.