Source: Beijing Daily
Original title: Beijing’s “Entrepreneurial Guaranteed Loan” cancels household registration restrictions, and the financing cost of small and micro enterprises is the lowest in the country
In Beijing, more and more small and micro enterprises are enjoying the “timely rain” of inclusive finance. The Capital Banking Industry Supporting Entity Serving People’s Livelihood Series Work Conference A special session on inclusive finance was held on March 25. At the meeting, it was learned from the Beijing Banking and Insurance Regulatory Bureau that in 2021, the growth rate of inclusive small and micro enterprise loans in Beijing will be higher than that of various The growth rate of loans, the annualized interest rate of newly issued inclusive small and micro enterprise loans was 4.58%, a year-on-year decrease of 32 basis points, and continued to be at a low level in the country.
Behind this series of dazzling figures, the escort of Beijing’s inclusive financial service mechanism is inseparable. “We will continue to improve the construction of Beijing’s loan service center with relevant departments and strengthen the service function of entrepreneurship guaranteed loans, in order to continuously improve the financial service satisfaction of small and micro enterprises, individual industrial and commercial households, new citizens and other innovative and entrepreneurial market players, and benefit more new citizens. The main body.” The relevant person in charge of the Beijing Banking and Insurance Regulatory Bureau introduced.
Recently, under the supervision and promotion of the Beijing Banking and Insurance Regulatory Bureau, the Loan Service Center successfully launched the first “Entrepreneurial Guaranteed Loan” business, providing 3 million yuan of loan support for a cultural and creative small and micro enterprise that attracts many new citizens. This small and micro enterprise will recruit 57% of its employees in 2022, and 71% of people with registered permanent residence outside the country.
In March 2022, the China Banking and Insurance Regulatory Commission and the People’s Bank of China jointly issued the “Notice on Strengthening Financial Services for New Citizens”, requiring to strengthen the credit support for new citizens to start businesses and small and micro enterprises that attract more new citizens, so as to help enterprises better. Play a leading role in employment. Beijing’s “Entrepreneurship Guarantee Loans” can provide financing support with no guarantee fees and low interest rates for individuals or small and micro enterprises to start their own businesses.
It is understood that the relevant departments have recently simplified the process of “Entrepreneurial Guaranteed Loans” and promoted the expansion of policy support for “Entrepreneurial Guaranteed Loans”. In particular, the restrictions on personnel categories and household registrations for loan recipients have been lifted, enabling non-local entrepreneurs in Beijing to live in the same city as local personnel. In terms of treatment, the number of handling banks for “Entrepreneurial Guaranteed Loans” in Beijing has been expanded from 1 to 14, the maximum personal loan amount has been increased from 300,000 yuan to 500,000 yuan (with a maximum term of 3 years), and the maximum loan amount for small and micro enterprises has been increased from 200 yuan. 10,000 yuan to 3 million yuan (up to 2 years). The Loan Service Center has also added a service function of “Entrepreneurial Guaranteed Loans” to build a platform and broaden the path for new citizens and enterprises to start their own businesses.
In the Beijing area, relevant departments continue to guide banks within their jurisdictions to increase their initial loan offerings, and explore the establishment of a long-term mechanism for the expansion of first-loan households for small and micro enterprises that are commercially sustainable. The banking industry in Beijing continued to focus on financial services, and the issuance of credit loans to small and micro enterprises continued to increase.
According to statistics, as of the end of 2021, the balance of loans to small and micro enterprises in Beijing’s banking industry was 1.73 trillion yuan, a year-on-year increase of 11.9%; the number of small and micro enterprise loans increased by more than 100,000 households. Among them, inclusive small and micro enterprise loans with a single credit line of less than 10 million yuan maintained rapid growth, and the loan balance increased by 25% year-on-year, which was 19.4 percentage points higher than the growth rate of various loans. The number of loan households increased by more than 70,000 households year-on-year. Completed 123.3% of the full-year credit program. (Pan Fuda)