At the end of August, the loan balance of small, medium and micro enterprises in Xinjiang increased by 7.6% compared with the beginning of the year
Release time：2023-02-07 06:32:23 source：korpimaankyynel.com author：Mineral products
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At the end of August, the loan balance of small, medium and micro enterprises in Xinjiang increased by 7.6% compared with the beginning of the year
Tianshan Net News (reported by Wang Yongfei) The reporter learned from the Xinjiang Banking and Insurance Regulatory Bureau: Since the beginning of this year, Xinjiang banking financial institutions have given credit resources to small and medium-sized enterprises, and the loans of small and medium-sized enterprises in our region have shown a trend of expanding volume, improving quality, increasing efficiency and reducing prices. According to incomplete statistics, as of the end of August, the loan balance of small and medium-sized enterprises in our district reached 1.46 trillion yuan, an increase of 7.6% over the beginning of the year. Among them, the balance of loans to small and micro enterprises was 723.493 billion yuan, an increase of 12.74% from the beginning of the year; the balance of loans to inclusive small and micro enterprises was 153.400 billion yuan, an increase of 16.40% from the beginning of the year; the balance of loans to individual industrial and commercial households was 52.475 billion yuan, an increase of 19.03% from the beginning of the year. The rapid growth of small and micro enterprise loans has benefited from a series of policy measures taken by the Xinjiang Banking and Insurance Regulatory Bureau. The bureau monitors the financial services of small and micro enterprises in its jurisdiction on a monthly basis and reports on a quarterly basis; for institutions that are behind in loan issuance and with relatively high loan interest rates, it promotes credit resources to the Small and micro enterprises are inclined. In order to increase the enthusiasm of the grassroots to be willing to lend, the Xinjiang Banking and Insurance Regulatory Bureau instructs the banking financial institutions within its jurisdiction to earnestly implement the relevant tolerance standards, and is responsible for the branches whose actual non-performing rate of inclusive small and micro enterprise loans is within the tolerance in the internal assessment. Persons, small and micro business departments and employees who have not violated laws, regulations and regulatory norms and systems can be exempted from accountability. In the first half of this year, local corporate banks within Xinjiang’s jurisdiction were included in the scope of due diligence and exemption, involving 740 million yuan in loans to small and micro enterprises, involving 538 person-times. In response to the lack of collaterals and pledges for some small, medium and micro enterprises, the Xinjiang Banking and Insurance Regulatory Bureau encourages banking financial institutions within its jurisdiction to increase credit loans, optimize loan repayment terms, promote the loan-as-you-pay model, and gradually reduce the amount of mortgages and pledges over-reliance. As of the end of August, the balance of credit loans for small and micro enterprises in banking financial institutions within the jurisdiction was 100.054 billion yuan, an increase of 24.89% over the beginning of the year; the balance of medium and long-term loans for small and micro enterprises was 432.589 billion yuan, an increase of 15.71% over the beginning of the year; The balance of loan business was 9.099 billion yuan, an increase of 22.98% over the beginning of the year. In addition, Xinjiang's banking industry has also actively expanded the scope of collateral and pledges to enrich financing channels for small, medium and micro enterprises. For example, in order to solve the problem of insufficient mortgages and pledges for breeding enterprises and new agricultural business entities, various banking financial institutions in Xinjiang have innovatively issued live livestock and poultry mortgage loans, and the balance at the end of June reached 1.171 billion yuan. In order to help small and micro enterprises reduce financing costs, the Xinjiang Banking and Insurance Regulatory Bureau has timely monitored the interest rates of inclusive small and micro enterprises, conducted regulatory interviews and window guidance for financial institutions with significantly higher loan interest rates than their peers, and urged reasonable determination of loans. interest rate, and effectively transmit the policy dividends such as currency, tax relief, financial incentives and subsidies to the terminal interest rate price, and guide the loan interest rate to remain stable and moderate. Among them, from January to August, Xinjiang Branch of Industrial and Commercial Bank of China realized 234 million yuan in fee reductions and profits by reducing loan interest rates. In addition, on the basis of continuing to reduce the interest rate of inclusive loans, the Xinjiang Banking and Insurance Regulatory Bureau organized a special rectification action for illegal charges related to enterprises, and encouraged banks to take the initiative to undertake mortgage assessment fees, mortgage registration fees, notarization fees, payment handling fees and bank-based charges. Insurance premiums for the first beneficiary, etc., to further reduce the financing cost of small and micro enterprises.
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