Small and medium-sized enterprises are the main force of national economic and social development, and play an important role in promoting growth, ensuring employment, and improving people's livelihood. Not long ago, the State Administration for Market Regulation released data: As of the end of June this year, 14.54 million new market entities had been established nationwide, a year-on-year increase of 4.3%; of which 4.259 million were newly established enterprises and 10.214 million were newly established individual industrial and commercial households. In the context of a more complex and severe international environment and frequent domestic epidemics, such data show that small and medium-sized enterprises have strong resilience and vitality. Among them, the financial sector has played an important role in increasing bailout funds.
SMEs are the largest and most dynamic group of enterprises. However, in comparison, small and medium-sized enterprises are often more vulnerable to external factors such as the epidemic because of their relatively small size and relatively weak anti-risk capabilities, and encounter problems such as capital chain pressure, insufficient liquidity, and rising costs. 's real tricks to better help and support small and medium-sized enterprises is not only an inherent requirement to help reduce the burden on enterprises, but also an inevitable move to save energy for the realization of high-quality development of .
Finance is the blood of the real economy. It is of great significance to effectively play the role of financial market-oriented precision support for helping small and medium-sized enterprises to tide over difficulties. The " Notice on Further Improving Financial Services for Enterprises in Difficult Industries Affected by the Epidemic " issued by the General Office of the China Banking and Insurance Regulatory Commission clearly stated that "Banking and insurance institutions should focus on financial services such as enterprises in industries (including individual industrial and commercial households) that are temporarily in distress due to the epidemic. We will take targeted and effective relief measures to support enterprises in temporarily distressed industries to overcome difficulties and resume development, and continuously improve the quality and efficiency of financial services for the real economy.” By adhering to the inclusiveness and people-oriented nature of financial services, and by continuously optimizing and improving financial services, financial institutions can better help small and medium-sized enterprises to relieve their burdens, relieve their burdens, restore development, and consolidate an important foundation for stable and healthy economic development.
In fact, strengthening inclusive financial services will ultimately achieve a win-win situation for all parties. For market players, this will help ease the financing problems of small and medium-sized enterprises and boost their confidence in the development of market players; for financial institutions, increasing credit input and financial support for weak links can directly achieve a reasonable investment in the real economy. Profits, especially for small and micro enterprises, accommodation and catering, cultural tourism and other market entities seriously affected by the epidemic, provide financial guarantees, thereby stabilizing market entities, revitalizing credit funds, and promoting the development and growth of inclusive financial services. In this sense, 's strengthening of inclusive financial services can not only help small and medium-sized enterprises to meet temporary needs, but also stimulate the vitality of enterprise development in the long run, forming a virtuous circle of "releasing water and raising fish, more water and more fish" .
What is gratifying is that with the main body of the service market as the core, all relevant parties are working together to draw "concentric circles" for the improvement and increment of financial services. The National Development and Reform Commission took the lead in building and operating a national comprehensive credit service platform for SME financing to help alleviate the problem of information asymmetry between banks and enterprises, and promote the formation of a long-term mechanism to solve the financing difficulties of SMEs; China Association of Small and Medium Enterprises plays a bridge role, Create a good environment for corporate financing and talent training; the National Financing Guarantee Fund and China Construction Bank carry out "head-to-head" batch guarantee business cooperation, continue to do a good job in information docking, policy docking and product docking, and promote the recovery and development of enterprises... Specific measures It came into effect and provided important support for small, medium and micro enterprises to overcome difficulties, increase confidence and promote development. The
data is the most objective proof. Not long ago, data released by People's Bank of China showed that by the end of the second quarter of this year, the balance of loans in my country's RMB inclusive finance sector was 29.91 trillion yuan, a year-on-year increase of 20.8%, 9.6 percentage points higher than various loans, and lower than the end of the previous year. 2.4 percentage points; the balance of inclusive small and micro loans was 21.96 trillion yuan, a year-on-year increase of 23.8%. The growth trend of shows that stronger inclusive financial services are playing a role in helping small and medium-sized enterprises develop steadily and healthily.
Of course, the key to the development of the enterprise is itself . In the long run, financialInstitutions should not only "transfuse blood" for enterprises, but also assist enterprises to achieve independent "blood production". On the one hand, it is necessary to improve the green channel for credit approval, optimize the conditions and procedures for credit business processing, expand the scope of application, and increase time-limited commitments to help companies achieve a virtuous cycle of capital; on the other hand, it is also necessary to improve their own financing capabilities and develop customized credit products. , let the financial water flow smoothly in the industrial chain and supply chain, and help enterprises to cultivate endogenous energy. At the same time, in the process of the development of small and medium-sized enterprises, it is also an important issue how to maintain stability and effectively control risks. Financial institutions should guide enterprises to pay attention to key points of business operations such as benign internal management, clear capital structure, and clear capital flow through inclusive finance.
SMEs can do great things. will further strengthen financial support for companies in industries seriously affected by the epidemic, innovate credit service models, and allow inclusive finance to benefit more small and medium-sized enterprises, which will surely help small and medium-sized enterprises develop steadily and healthily, and continuously renew their vitality.
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