According to the "Shanghai Securities News" report, the relevant person of the China Banking Regulatory Commission said on September 28 that the "Notice on Supporting Commercial Banks to Further Improve Small Business Financial Services" (in the industry called "Silver Ten") is being drafted, among which small businesses The tolerance for non-performing loan ratios will increase to 5%, which is the first time the regulator has disclosed this data. For a time, the media reported it. But what does it mean for each bank to increase to 5%? Can banks really let go of their hands and bold loans to small businesses? The difficulty of financing small businesses is not a new problem, but its severity is as the monetary and credit environment is loose or tight, and it is weak and strong. In the context of tightening monetary policy this year, banks with limited credit lines will give priority to “trustworthy†large and medium-sized state-owned enterprises. Small businesses and small enterprises are in an embarrassing situation of “do not hurt, not loveâ€. The survival dilemma continues to deteriorate, or “bankruptcy†due to short-term capital turnover, or the switch to private lending, and finally found to be in jeopardy. . Recently, the owners of Wenzhou private enterprises frequently “run the road†after the capital chain breaks. This is probably the ending that many SME owners have previewed in their dreams. In June this year, in order to help small businesses bail-out, the China Banking Regulatory Commission issued the No. 59 document “Notice on Supporting Commercial Banks to Further Improve Small Business Financial Servicesâ€, which is what the industry calls “Silver Tenâ€, which is intended to encourage The bank launched a small business loan. The author has interviewed managers who are engaged in SME loans at various banks on the new regulations. They generally reflect that the silver ten is not detailed enough and lacks maneuverability. A person in charge of the small-enterprise loan department of a joint-stock bank once said that “there is a certain premise†and “appropriately improve the toleranceâ€. There is no quantitative indicator. It is felt that the policy is “visible and intangible†and requires the regulatory authorities to issue specific rules as soon as possible. The latest news from the media mentioned above shows that regulators are working hard to refine the rules. For example, the tolerance for small business non-performing loan ratio will be increased to 5%. However, this kind of goodwill of the regulatory authorities may not be appreciated by banks. First of all, the current NPL ratio of various commercial banks has not reached 5%, and the average is less than 2%. Even if the CBRC will raise this indicator to 5%, the key is to see whether banks have the willingness to transform and the risk pricing ability for small business loans. Secondly, since its establishment, the China Banking Regulatory Commission has always regarded the decline of non-performing loans as the top priority of supervision. The supervision and evaluation of commercial banks should also refer to the non-performing loan balance and non-performing loan ratio to achieve “double downâ€, if non-performing loans If the rate is high, the bank will be punished. From this perspective, if you simply increase the tolerance of each bank to the non-performing loan ratio of small businesses, and cannot provide relevant supporting policies, such as raising pricing, reducing business tax, etc., as well as accounting write-off policies, banks may not There will be an immediate willingness to increase loans to small businesses. Banks do not lack the motivation to develop SME finance. According to the data of the China Banking Regulatory Commission, as of the end of July this year, the balance of small business loans of banking financial institutions reached 9.85 trillion yuan, 2.4 times that of 2008, accounting for 28.9% of the total corporate loan balance. Small business loans increased by 26.6% compared with the same period of last year, which was 10 percentage points higher than the average growth rate of all loans. Small business loans increased by 1.02 trillion yuan from the beginning of the year, an increase of 68.8 billion yuan over the same period of the previous year. But at this level, let the bank go further, I am afraid it is not a problem that can be solved by detailed adjustment. During the financial crisis, most of the country's 4 trillion investment plans were invested in large-scale infrastructure projects, and did not really fall into SMEs and even micro-enterprises, and did not have a structural impact. The survival dilemma of SMEs has not been solved, and its own low profit rate, coupled with the domestic tax environment, financing costs, and labor costs, has made many SMEs overwhelmed. To encourage commercial banks to lend to SMEs is not only a policy package that requires a banking supervision system, but a reorientation of the status and role of SMEs in the entire decision-making system.
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