According to sources, the formulation of the standard for small business division led by the Ministry of Industry and Information Technology has been initiated. During the year, the criteria for the division of small enterprises jointly determined by various ministries will be officially promulgated. This will change the past situation in which the criteria for SMEs are not scientific, resulting in insufficient policy targeting. In order to truly promote small business loans, the CBRC will also introduce new rules for differentiated management of issues such as due diligence and risk tolerance for small business financial services during the year, with the aim of fully supporting small business loans.
Xiao Yuanqi, director of the Banking Supervision Department of the China Banking Regulatory Commission, said on the 23rd that in order to allow banks to “dare to lendâ€, the CBRC will issue the “Guidelines for the Supervision of Small Business Financial Services Differentiation†during the year, setting the non-performing loan ratio and accountability of small enterprises. The higher tolerance, when it comes to the sensitive loan-to-deposit ratio, if the small enterprise's capital demand is strong and the bank's capital supply cannot be met in time, it can be relaxed in the assessment, but the premise is “risk controllableâ€. In addition, the China Banking Regulatory Commission will also encourage banks to simplify the loan process and improve loan efficiency; negotiate with relevant departments to win short-term non-performing loans for small businesses and support for pre-tax provisions, so that banks can “lending†and “creditâ€.
This year, the China Banking Regulatory Commission also put forward more stringent requirements for small business loans. In 2010, the growth rate of small business credits of various banking financial institutions should be guaranteed not less than the growth rate of all loans. The increase in credit supply should be guaranteed not lower than Last year. To ensure that the effective needs of small businesses must be met. If the requirements are not met, the CBRC may take corresponding measures in the future market access and regulatory differentiation.
According to industry insiders, under the circumstances that the new credits for the whole year have dropped by 2 trillion yuan compared with last year, small business loans still have to adhere to "two not less than", and the difficulty and pressure are great.
Xiao Yuanqi, director of the Banking Supervision Department of the China Banking Regulatory Commission, said on the 23rd that in order to allow banks to “dare to lendâ€, the CBRC will issue the “Guidelines for the Supervision of Small Business Financial Services Differentiation†during the year, setting the non-performing loan ratio and accountability of small enterprises. The higher tolerance, when it comes to the sensitive loan-to-deposit ratio, if the small enterprise's capital demand is strong and the bank's capital supply cannot be met in time, it can be relaxed in the assessment, but the premise is “risk controllableâ€. In addition, the China Banking Regulatory Commission will also encourage banks to simplify the loan process and improve loan efficiency; negotiate with relevant departments to win short-term non-performing loans for small businesses and support for pre-tax provisions, so that banks can “lending†and “creditâ€.
This year, the China Banking Regulatory Commission also put forward more stringent requirements for small business loans. In 2010, the growth rate of small business credits of various banking financial institutions should be guaranteed not less than the growth rate of all loans. The increase in credit supply should be guaranteed not lower than Last year. To ensure that the effective needs of small businesses must be met. If the requirements are not met, the CBRC may take corresponding measures in the future market access and regulatory differentiation.
According to industry insiders, under the circumstances that the new credits for the whole year have dropped by 2 trillion yuan compared with last year, small business loans still have to adhere to "two not less than", and the difficulty and pressure are great.
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