In the first half of the year, the balance of inclusive small and micro loans increased by 20 % year -on -year

Financial stability, stable economy; financial work, economic work. Faced with downward pressure on the economy, Shenzhen's financial support has continued to increase the real economy, and private enterprises have obtained more credit "living water".

As of the end of June, the city's inclusive small and micro enterprise loan balance was 1.36 trillion yuan, a year -on -year increase of 22.3%, which was 10.7 percentage points higher than the average loan growth rate of 10.7. What is noticeable is that in the first half of the year, Shenzhen's first small and micro enterprises had 14,000 small and micro enterprises, and the financial industry created a good environment for the development of the real economy.

Small and micro enterprise financing volume increases for surface expansion

"Under the epidemic, the company has fallen into a dilemma that is urgently needed for development and cash flow." Shenzhen Chuangzhi Tiancheng Technology Co., Ltd. is a company focusing on providing professional IT services and solutions. I learned that the "First Loan Window" in Futian District is running. He has never thought of loaning from the bank and went to the window to apply with a mentality of trying it.

After big data analysis and intelligent credit, the ICBC Shenzhen Branch handled the "business fast loan" products for the company within two days, with a credit amount of 3 million yuan. With the improvement of the epidemic prevention situation, the enterprise once again applied for financing from ICBC to expand production. On the basis of the previous period of 3 million yuan, ICBC continued to provide it with 2 million yuan in financing support, which effectively alleviated the difficulty of corporate funds.

As early as 2021, Shenzhen promoted the four districts of Yantian District, Futian District, Longhua District, and Baoan District to set up the first loan service window, and continued to promote special actions for the cultivation of the first loan households of small and micro enterprises, leaving the loan risk compensation, government nature The risk sharing function of financing guarantee and fiscal awards for the financing of the first loan households encourages commercial banks to actively explore the "green through traffic" of the first loan households, and facilitate the application of loans for incredible enterprises.

From the data point of view, in the first half of this year, the ability of Shenzhen's financial industry to stabilize market entities has continued to increase. As of the end of June, the city's manufacturing loan balance was 80.339 billion yuan, an increase of 34.05%year -on -year, which was higher than the average loan growth rate of 22.4 percentage points. Speed ​​27.7 percentage points. It is worth noting that in the first half of the year, the city's loan balance of inclusive small and micro enterprises in the city was 1.36 trillion yuan, an increase of 22.3%year -on -year, of which the first loan households of new small and micro enterprises reached 14,000. Various types of enterprises such as small, micro -models issued a new loan weighted average interest rate of 4.67%, a decrease of 44 basis points from the beginning of the year, and financing costs continued to decline.

Model innovation to promote banks' willing loan to loan loans

There are also social work organizations that are also facing the problem of first loan. As a non -profit institution, it has long been a blank area supported by financial credit. In addition, private non -enterprises such as social workers' organizations do not take profit. Commercial banks are generally not high in granting their credit. High, the problem of expensive financing is also more prominent.

The Chengcheng Social Work Service Center in Longgang District, Shenzhen was established in 2009. It is a professional social work service agency that conducts public services and social welfare services with professional social workers as the backbone. Since the epidemic has been transferred to the front line of social workers, the progress of its original project was postponed and the project replies delayed. The Bank of Communications Shenzhen Branch Innovate the inclusive credit granting plan, break through the traditional credit approval ideas and risk preferences, relax the support of the main entry, cut in in the "political lending" model, complete the approval within 4 working days, and give the Zhicheng Social Workers Center 5 million yuan Credit loan and enjoy the interest rate of inclusive micro loans. At present, the number of workers has grown from more than 600 people at the beginning of the epidemic to more than 800 people.

In the first half of the year, the People's Bank of China Shenzhen Center Sub -branch United Municipal Local Financial Bureau, Shenzhen Banking Insurance Regulatory Bureau, Shenzhen Securities Regulatory Bureau and other departments issued the "Implementation Plan on Further Increasing Financial Services Supporting Epidemic Prevention and Promoting Economic Insurance and Stable Development" to promote the establishment of the establishment of Financial services small and micro enterprises dare to loan the long -term mechanism for loaning and loan; in June, Shenzhen Local Financial Supervision Bureau, with the People's Bank of China Shenzhen Central Branch, Shenzhen Banking Insurance Regulatory Bureau and other departments jointly launched the "Financial Station", in 7 The district set up 42 stations to open up the "last mile" of corporate financial services. Since its launch, it has promoted financing docking over 40 billion yuan, providing strong support for stabilizing the city's economic market and helping economic development.

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