The reporter learned on May 21 that the General Administration of Financial Supervision, the People's Bank of China, the China Securities Regulatory Commission and other eight departments jointly issued Several Measures to Support the Financing of Small and Micro Enterprises (hereinafter referred to as Several Measures) to further improve the financing situation of small and micro enterprises and individual businesses. The "Several Measures" focus on leveraging the synergy of various policies such as regulation, currency, finance and taxation, and industry, proposing 23 work measures from eight aspects: increasing financing supply, reducing comprehensive financing costs, improving financing efficiency, enhancing support precision, implementing regulatory policies, strengthening risk management, improving policy guarantees, and doing a good job in organizational implementation. Compared with previous policy measures supporting small and micro enterprises, the 'Several Measures' have multiple highlights. ”Zeng Gang, Chief Expert and Director of Shanghai Finance and Development Laboratory, stated that policy synergy is stronger, financing support is richer and more diverse, cost control is more precise, efficiency improvement is more targeted, support accuracy is higher, risk management is more scientific, and policy guarantees are more complete. In terms of increasing financing supply, the "Several Measures" require a deep and solid mechanism to support the financing coordination of small and micro enterprises, and tilt towards key areas such as foreign trade, private enterprises, technology, and consumption to connect and assist resources; Increase the allocation of initial loans, credit loans, medium - and long-term loans, loans from legal institutions, and private loans; Make good use of structural monetary policy tools such as supporting agriculture, supporting small businesses, and re lending; Implement the policy of non repayment and loan renewal for small and micro enterprises; Support small and micro enterprises to carry out equity financing. The first loan, also known as the first loan, refers to an enterprise that has no loan record in its credit report obtaining a loan from a banking or financial institution for the first time. After obtaining their first loan, small and micro enterprises will have a significantly increased likelihood of obtaining further loans in the future. ”Dong Ximiao, Chief Researcher of Zhaopin, stated that first loan is the "first mile" problem for small and micro enterprise financing, and an important lever to solve the financing problem of small and micro enterprises. In the future, targeted measures should be taken in terms of institutional mechanisms, product services, technological support, and assessment incentives. In terms of reducing comprehensive financing costs, the "Several Measures" clearly guide banks to strengthen loan interest rate pricing management and reasonably determine loan interest rates for small and micro enterprises; Reduce loan surcharges, guide banks to clean up illegal fees, and standardize cooperation with third parties; Resolutely rectify the chaos of illegal intermediaries in the financial sector. The provisions of the 'Several Measures' in reducing financing costs are more detailed and specific. In addition to controlling loan interest rates, we also regulate loan surcharges, clean up illegal fees, crack down on illegal intermediaries, avoid enterprises from increasing financing costs due to the need to increase credit, and comprehensively reduce the comprehensive financing costs of small and micro enterprises. ”Zeng just said. To improve financing efficiency, the 'Several Measures' adopt a dual approach to online and offline loans. The Measures require the steady development of online loans and guidance for banks to use technological means to improve credit approval and risk management models; Improve the efficiency of offline loan processing, streamline loan application materials reasonably, and optimize the approval process; Guide large and medium-sized commercial banks to reasonably delegate credit approval authority. To strengthen risk management, the "Several Measures" propose revising the risk classification method for small and micro enterprise loans, developing differentiated standards, and simplifying classification methods; Guide banks to tilt towards the verification space and resources for loans to small and micro enterprises; Appropriately increase the upper limit of credit loan list based write off for small and micro business owners and individual industrial and commercial households for business purposes through pilot measures, and improve the efficiency of non-performing loan disposal. It was expected that after the implementation of the "Several Measures", the financing accessibility of small and micro enterprises and individual industrial and commercial households would be further improved, the credit support obtained would increase, and the equity financing channels would be expanded. At the same time, financing costs will be reduced, the burden on enterprises will be reduced, and profit margins will expand. In addition, the improvement of financing efficiency will also help enterprises better grasp development opportunities. Supporting the enhancement of precision will help small and micro enterprises in key areas obtain targeted support and promote industrial upgrading. (New Society)