Banking Regulatory Commission: Studying the assessment method for small and micro enterprise loan interest rates
Wang Zhaoxing, vice chairman of the China Banking Insurance Regulatory Commission, revealed at the State Council policy briefing on the 3rd that the Banking Insurance Regulatory Commission will conduct a special assessment of the interest rates of small and micro enterprises, and the relevant assessment methods are being researched and refined. Based on the basis, the cost of funds assessed is based on the actual interest rate after the nominal interest rate is deducted from the inflation rate.
Wang Zhaoxing pointed out that the next step will be to implement the "two increase and two control" assessment for commercial banks. First, the demand for commercial banks to increase the loan growth rate of small and micro enterprises is not lower than the growth rate of various loans. The number of loans to small and micro enterprises is not lower than last year. The same period. At the same time, the special assessment of the interest rates of small and micro enterprises' three rural loans will help to reduce the financing costs of small and micro enterprises and agriculture, rural areas, and the China Insurance Regulatory Commission is promoting the establishment of a "two increase and two control" evaluation system.
Li Junfeng, director of the Banking Insurance Commission's Pratt & Whitney Finance Department, said that the current interest rate of small and micro enterprises in the bank has been properly controlled, but there is still room for decline. The next step is to push the banking industry to reduce the comprehensive loan cost of small and micro enterprises or the actual interest rate of loans, and further increase the intensity, mainly starting from four aspects. The first is to reduce the source cost of loans for small and micro enterprises in commercial banks. The second is to reduce the cost of loan management for small and micro enterprises in commercial banks through new technologies and new means. The third is to promote the loan renewal policy for small and micro enterprises. The first loan is not difficult, and the second loan is not difficult. The fourth is to promote the reduction of additional costs beyond the interest rate of small and micro enterprises. "We must strive to make the interest rate of small and micro enterprises lending on the existing basis before the end of the year, which will lead to a further decline in the financing costs of small and micro enterprises in the whole society." Li Junfeng said.
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