The hottest policy continues to increase the suppl

2022-08-22
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The government work report on the coordinated development of manufacturing industry and small and medium-sized loans this year proposed to strengthen financial support for stable enterprises. Insiders believe that the credit support policies for manufacturing and small, medium and micro enterprises will continue to increase, the credit resources will continue to tilt to the inclusive field, and there is still some room for banks to make profits in the real economy

credit resources will be inclined to the inclusive field

the government work report proposes that the policy of extending the repayment of principal and interest on loans for small and medium-sized and micro enterprises will be extended to the end of March next year, and loans for inclusive small and micro enterprises should be extended as long as possible, and loans for other difficult enterprises should be extended through negotiation. Banks are encouraged to significantly increase credit loans, initial loans and renewal of loans without repayment of principal for small and micro enterprises. The loan growth rate of inclusive small and micro enterprises of large commercial banks should be higher than 40%

the policy of supporting small and medium-sized enterprises and benefiting small and medium-sized enterprises has been further strengthened. Wang Yifeng, chief banking analyst of Everbright Securities (11.250, -0.06, -0.53%), said that he judged the suitability of a kind of insulation material for housing construction projects. In recent years, the financial services of small and micro enterprises have basically continued the characteristics of increment, price reduction, expansion and quality improvement, but there are also problems such as low down loan rate, low proportion of credit, less service customers, and difficulty in obtaining medium and long-term credit. At present, the policy environment for small, medium-sized and micro enterprises and inclusive small and micro enterprises is very good. For the supervision and assessment of small and micro financial services, the focus will be on improving the proportion of credit loans, the first loan rate, the proportion of medium and long-term loans, and the credit resources will continue to tilt to the inclusive field

Wen bin, chief researcher of China Minsheng Bank, said that the government work report retained the requirements for the growth of inclusive small and micro enterprise loans of large commercial banks, and the growth requirements were increased by 10 percentage points, reflecting the government's determination to protect small and micro enterprises

there is still room for improvement in the growth rate of medium - and long-term loans in the manufacturing industry.

the government work report proposes to significantly increase medium - and long-term loans in the manufacturing industry. Recently, investment express learned that by the end of April 2020, the balance of Minsheng Bank's manufacturing corporate loans was 291.9 billion yuan, an increase of 25 billion yuan over the beginning of the year; The balance of medium and long-term corporate loans in the manufacturing industry was 115billion yuan, an increase of 7.9 billion yuan over the beginning of the year. In the past four months, manufacturing loans started well and maintained a good growth trend. The relevant person in charge of Minsheng Bank said that the growth rate of medium - and long-term loans in the manufacturing industry of the bank is still relatively slow, and the support for medium - and long-term loans needs to be increased and accelerated

On May 25, Minsheng Bank issued the notice on further accelerating the medium and long-term loan issuance in the manufacturing industry, requiring the bank to speed up the credit issuance and comprehensive financial services for high-quality manufacturing enterprises, and strive to achieve the growth target of 25% of the medium and long-term loan growth in the manufacturing industry throughout the year. To this end, Minsheng Bank will continue to improve and enhance the level of financial services in the manufacturing industry by setting up a green channel, implementing process optimization, strengthening product empowerment and other ways to lead waste plastic recycling plants to increase the stock and incremental expansion of business institutions

financial institutions are duty bound to support the high-quality development of manufacturing industry and unswervingly build a manufacturing power. The relevant person in charge of Minsheng Bank said that the bank would further improve its political position, strengthen the customer-centric business philosophy, deeply tap the needs of customers in the manufacturing industry, improve the long-term working mechanism of willing, daring and meeting loans in the financial service manufacturing industry, and effectively improve the quality and efficiency of the high-quality development of the financial service manufacturing industry

there is still room for improvement in the growth rate of medium and long-term loans in the follow-up manufacturing industry. Wang Yifeng believes that in terms of industry investment, the differentiation of credit supply in manufacturing industry is still obvious, and the prosperity of credit supply in traditional manufacturing industry is relatively insufficient. In the early stage, the credit growth of manufacturing industry is mainly concentrated in the daily necessities industry represented by agricultural and non-staple food processing and food manufacturing, the manufacturing of anti epidemic materials such as pharmaceutical manufacturing, chemical fiber, medical equipment, and high-tech manufacturing such as computers and communication equipment. It is expected that the credit for high-tech manufacturing of computer and communication equipment will continue to grow at a high speed in the next stage

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