Analysis Of Financing Strategies For Small And Micro-sized Enterprises Under The Policy Of "two Increase And Two Control"

In March 19,2018,the CBRC issued the notice of the general office of the China Banking Regulatory Commission on promoting the development of financial services of small and micro enterprises in the banking sector in 2018(hereinafter referred to as the notice).In order to alleviate the inadequate supply and uneven structure of financial services in small and micro enterprises,the banking industry's small and micro enterprises' financial services were promoted from high speed growth to high quality development,focusing on single households.The small and micro enterprise loans granted below 10 million yuan(inclusive)have raised the new target of "two increase two control".The contents of the notice show that "two increase",that is,the total amount of loans under a single household credit is less than 10 million yuan(inclusive).The growth of loans for small and micro enterprises is not less than the growth rate of loans year-on-year,and the number of loans is no less than that of the same period of last year."Two control" means that the quality of loans and assets of small and micro enterprises should be reasonably controlled and the comprehensive cost of loans will be maintained.Highlighting the supervision and guidance of small and micro enterprises in terms of loan quality and quality and sustainable growth.Earlier,in early 2015,the CBRC raised the growth rate of loans for small and micro enterprises,the number of households and the rate of acquisition of loans to be "three or less".Since then,it has urged the banking industry to achieve the goal of three consecutive years,which has played a positive role in alleviating the financing difficulties of small and micro enterprises.This time,the new goal of "two increases and two controls" is to further guide the banking industry to focus on weak links and sink the service focus.Data show that as of the end of 2017,the national small and micro enterprises loans balance of 30 trillion and 740 billion yuan,an increase of 15.14% over the same period,higher than the average growth rate of loans 2.67 percentage points;small and micro enterprises loans balance 15 million 209 thousand and 200 households,an increase of 1 million 598 thousand and 200 households over the same period last year.Small and micro enterprises have increasingly become an important force in social development,playing an important role in promoting employment and social stability,and becoming an important part of fiscal revenue.The financing problem of small and micro enterprises has always been the bottleneck of their development,which is the focus of their attention.Small and micro enterprises refer to small businesses that are in the start-up stage.With the activation of market economy,small and micro enterprises have attracted the attention and attention of people.It brings great vitality to the market and promotes the development of the national economy to a greater extent.The obstacle to further development of small and micro enterprises is the difficulty of financing.The traditional financing channels are unwilling to credit,or the credit lines are low,which makes them more embarrassed.Therefore,it is very important to analyze and study the financing difficulties of small and micro enterprises and find corresponding solutions.This is also an important path for the development of small and micro enterprises.