| At the beginning of 2020,the sudden outbreak of the new coronavirus epidemic,the national economic development was frustrated,from the beginning only on the Spring Festival holiday consumption and part of the service industry,to the later development of inclusive small and micro enterprises caused a greater obstacle to the production and operation,the Banking and Insurance Regulatory Commission and relevant departments issued a number of extension policies to alleviate a series of operating problems caused by the epidemic of inclusive small and micro enterprises.With the introduction of various extension policies,the implementation of the loan extension policy for inclusive small and micro enterprises is not good,and a series of problems such as limited coverage and insufficient flexibility have emerged in the implementation of the extension policy.To this end,this study analyzes the problems in the implementation of the loan extension policy for inclusive small and micro enterprises from the perspective of banks,and provides ideas for improving the loan extension policy.The paper mainly uses three research methods,such as data analysis method,case analysis method and questionnaire method,to conduct research from two levels,the first level analyzes the current situation of the implementation of the extension policy of Bank A and Bank A,and then deeply analyzes the deep-seated reasons for the unsatisfactory implementation of the extension policy;At the second level,we began to analyze and study the reasons for the unsatisfactory implementation of the extension policy one by one,and formed operational opinions and suggestions.This paper takes the implementation of the extension policy of inclusive small and micro enterprises of Bank A as the main line,through combing through a number of extension policies issued,the scope of inclusive small and micro enterprises is explained in detail,the cases and data of inclusive small and micro enterprises of Bank A in the process of policy implementation are listed,and the problems of Bank A in the implementation of the extension policy of inclusive small and micro enterprises are analyzed,so as to analyze the reasons for the poor implementation of the extension policy,namely,the policy aspect,the inclusive small and micro enterprise and the bank side.The policy aspect is mainly analyzed from the three perspectives of coverage,flexibility and continuity of the policy itself;Inclusive small and micro enterprises are mainly elaborated from three perspectives: external factors such as the asymmetry of information between banks and enterprises and the internal factors of inclusive small and micro enterprises themselves,such as their own conditions,business cycles and business philosophy;Banks mainly analyze the problem from multiple perspectives such as limited approval authority of banks,unpredictable risks,and insufficient initiative in implementing policies.This paper puts forward corresponding countermeasures and suggestions for the implementation of the inclusive small and micro enterprise loan extension policy of The analysis of the main bank A,mainly from three aspects: policy,inclusive small and micro enterprises and banks.The policy aspect is mainly analyzed from the perspectives of expanding policy coverage,increasing policy flexibility,maintaining policy continuity and innovation policy incentives,and pointing out that the policy coverage objects should strive for fairness in expanding policy coverage,including enterprise objects and financial institutions,it is best to be consistent;Increasing policy flexibility points out that the extension policy is only a deferral of the payment of principal and interest,and if there is a corresponding reduction measure,it will benefit a wider range;Maintaining policy continuity points out that if the time node of the policy is more clear,it will be more conducive to the operation of inclusive small and micro enterprises;The incentive of innovation policy points out that if there is a corresponding preferential treatment for large banks,it will better promote the enthusiasm of financial institutions.From the perspective of optimizing the management model and enhancing the credit awareness of the enterprise itself,the inclusive small and micro enterprises are analyzed,so that the enterprises can improve their own conditions from the inside to the outside,and only the optimization of the management mode and the enhancement of credit awareness of the enterprises themselves are the fundamental reasons for improving their own "immunity".From the perspective of strengthening policy publicity and transmission,strengthening bank risk control management,improving the quality of professional talents,implementing due diligence exemption mechanisms,creating batch service models and improving the construction of credit systems,etc.,banks pointed out that publicity methods should be diverse,and strengthen the combination of publicity in outlets and halls,publicity in factories and parks,and publicity on service platforms to effectively improve the publicity effect;Strengthening the risk control management of banks pointed out that banking institutions should rely on big data and other methods to monitor corporate risk indicators and achieve efficient interconnection;Improving the quality of professional talents points out that the bank’s account manager should improve his professionalism in marketing and maintenance,take different ways according to different enterprises,"attract" and "retain" customers,and cultivate customer loyalty;The implementation of the due diligence exemption mechanism points out that the bank’s account manager’s worries should be relieved,and under the premise of no moral hazard,it can be exempted from liability;To create a batch service model,it is pointed out that it is necessary to use the competent departments of industry and commerce,taxation,science and technology at all levels,the use of business circles and industry aggregation,batch marketing,and improve operational efficiency;Improving the construction of the credit system means that the state,banks and inclusive small and micro enterprises must take the initiative to participate in and improve the construction of the credit system.Through research,this thesis believes that when there is a problem in the implementation of the extension policy of inclusive small and micro enterprise loans under the epidemic,it should be built from several aspects: policy,inclusive small and micro enterprises and banks,and provide comprehensive and comprehensive financial services for inclusive small and micro enterprises from multiple angles,so that inclusive small and micro enterprises can develop more long-term and healthily. |
