November 21, "Shenzhen financial support the real economy research report" (hereinafter referred to as the "Report") on "Financial services entities, credit and create value" 2019 Shenzhen Financial Summit and the first session of the credit technology forum posting, 40,000-word "report "ten points out the problem of financing the real economy, and made ten recommendations.
The "report" by the Shenzhen Municipal Administration of local financial guidance, the southern city of think tanks, Nanfang Daily, Shenzhen Department lasted five months, of Union Brother, the sea can reach nearly more than 50 business entities to conduct research and come to result.
Receiving nearly 50 research entities wider distribution industry, with annual sales ranging from less than 10 million yuan to 300 million yuan over.
Report refining a difficult financing, financing Gui trouble financing corporate finance entities Ten pain points in three areas, combing introduced in Shenzhen financial support the real economy ten examples of innovation and further enhance the banking sector made ten recommendations of the Financial Services capability of the real economy.
"Report" said that the current top ten pain points Shenzhen entity Corporate Finance include:
High interest afraid, afraid of the high threshold; constant harassment financial intermediary, bank loans hard to find;
mortgage loans excessive preference for real estate;
to determine the risk of corporate industry risk;
the loan period is too short, the high cost of the bridge;
bank loans pumping phenomenon It has occurred;
product design and development stage companies do not match;
financing approval process slow and inefficient;
other than loans lack of a comprehensive financial service;
service experience to be optimized.
"Report" for the banking industry to enhance the ten recommendations of the Financial Services real economy raised include:
An appropriate increase in tolerance of non-performing rate of bank loans;
data-driven, risk control and establish a large data-based online inclusive finance loan products;
Bank assessment mechanism further encourage inclusive financial products;
collateral diversification;
for different industries and industrial development of targeted products;
introduce more non-maturity debt service Xudai products;
improve the efficiency of financial services to simplify loan procedures;
foreign loans to provide more comprehensive financial services;
bank interest rates more market-oriented;
equal treatment of state-owned enterprises and private enterprise.
Meanwhile, the survey also found that, while achieving the industry healthy development of the financial industry in Shenzhen is through institutional innovation and organizational innovation, improve credit management mechanism, technology-enabled innovation and risk control, product innovation, expansion of comprehensive financial services, improve the industry ecosystem supporting system and other practices, is committed to provide better financial services to the real economy.
Shenzhen released the same day, "the letter easy loan" platform, is a Shenzhen-Public Information Services Limited tax and enterprise development based on credit information help enterprises solve the financing difficulties of small micro-enterprise financing your overall credit financing service platform, which will joint major financial institutions and credit services to small and medium micro enterprises in Shenzhen to provide free credit financing services, also in Guangdong province, the first for small and medium micro-enterprise financing needs, the use of credit information based on pure credit achieved, unsecured, intelligent online financing service platform.
Source: Nanfang Daily
