Weigh a pound! The Central Bank is directional fall in allowing small bank, small small company supp

On May 6 morning, chinese people bank (the following abbreviation " the Central Bank " ) government-owned net releases a message to say, begin from May 15, 2019, what the Central Bank decides region of county of pair of focusing place, service is medium small bank, execute inferior favourable deposit reserve to lead. Manage to be only inside area of this prefectural class administration, or the branch is set in area of administration of other county class but asset dimensions is less than 10 billion yuan country commercial bank, the deposit reserve that carries out as identical as rural credit agency class is led, this class is at present 8% . Have 1000 counties about region farming commercial firm can enjoy this favourable policy, release long-term financing to make an appointment with 280 billion yuan, use at extending entirely civilian battalion and loan of small small company.

It is reported, this is Chinese people bank fulfils the State Council to carry out standing conference asks, establish the policy framework that in be opposite, small bank executes inferior deposit reserve to lead, promote reduce cost of financing of small small company and the move that raise.

Why to reduce deposit gold rate to you can reduce cost of financing of small small company? Above all, let us make clear the meaning of reserve of fund of one remain after deduction together, it is to show financial orgnaization is reached to assure client draw money undertake capital is liquidated and the deposit that centrally bank prepares, cannot use extend loan. Deposit reserve is led is the proportion that deposit reserve holds deposit total. When deposit reserve ratio is reduced when, the deposit quantity that financial orgnaization lays in in the Central Bank can decrease, can give off more loan, emancipatory bank by the hands or feet of trice, more is hard to difficulty of capital have enough to meet need surviving small small company tilts.

And according to " negotiable securities times " analysis, 6 days of Central Banks about directional fall accurate information releases time to also concern a key to do sth quite, anthology one minute is in before open quotation of Zhou Yi stock market. Palm catenary medium consults the discovery after the stock prices of Oriental fortune net, after the Central Bank releases an information, have 4 banks appear carry litre of trend, among them, blueness farming commercial firm from open quotation - of 3.99% go up carry litre 9.28% after coming half hours. Besides, qingdao bank, Xi'an bank, violet gold bank also parted to was achieved at 10 o'clock in the morning 5.10% , 1.85% , of 1.67% go up.

Outside be urban commercial bank except Qingdao bank, Xi'an bank, blueness farming commercial firm and violet gold bank belong rural commercial bank. What the Central Bank releases is directional fall accurate benefit good move spurred these a few banks on certain level fluctuant.

With commercial bank of state-owned and large commercial bank, share-holding system commercial bank, postal savings bank, city, blame is aimed at before this bank of commercial bank of prefectural region country, foreign capital reduces deposit reserve rate is different, this directional fall standard object is a county merely region farming commercial firm, point to a county clearly inside the country place of small bank butt joint is little the financing demand of small company, develop with the country " 3 farming " , the relevant policy be closely bound up that finance of territory of civilian battalion company serves.

In addition, this year on January 2, the Central Bank still announces Pu Huijin be in harmony is directional fall accurate small-sized with miniature enterprise loan checks a level by " sheet door awards a letter to be less than 5 million yuan " adjust for " sheet door awards a letter to be less than 10 million yuan " , should adjust the threshold that will help more small small company reduce a bank to borrow money.

The about problem of financing of medium and small businesses relevant policy that each ministries and commissions publishs nearly 3 years of countries that place of combinative control catenary combs, the supportive strength that can experience a country strongly to give medium and small businesses is bigger and bigger, admittance doorsill is relaxing ceaselessly.

1, policy of Pu Huijin be in harmony is advanced ceaselessly

In recent years, frequency of good about profit of general benefit banking policy goes out. Be in early 2016 year, the State Council was released advance general benefit finance to develop a program about print and distribute (2016-2020 year) announcement, pu Huijin be in harmony promotes the height that serves as the inevitable demand that builds comparatively well-off society in the round to come up.

Divide this beyond, came on stage 2016 " industry and informatization ministry develop a program about stimulative medium and small businesses of print and distribute (2016-2020 year) announcement " , released 2018 " the opinion that serves about deepening banking of small small company further " with 2019 of print and distribute " a certain number of opinions that serve civilian battalion industry about strengthening finance " , want to perfect finance to organize a system for instance, ask large bank deepens ministry of career of general benefit banking to build; Innovation enlarges creditor's rights of medium and small businesses, fiducial, bill to distribute means and scale, increase to borrow money to be spent with rediscount forehead again, advance new 3 board, do poineering work board wait for a stock to trade the market grows.

Also have the policy that optimizes system of revenue of convenience small small company technically, for instance 2017 " the announcement that concerns taxation policy about supporting financing of small small company " , 2018 " about financial orgnaization income of interest of loan of small small company dismisses the announcement that drafts policy of value added tax " etc, collect value added tax, stamp tax to the medium and small businesses of one calm condition is being accorded with to avoid inside proper time limits.

2, supply catenary finance bed sheet to allude alone

Accompany a country to supply the attention of catenary construction to the industry, the supply that derives the focal point that catenary banking business also makes a government pay close attention to with each passing day. " industry and informatization ministry develop a program about stimulative medium and small businesses of print and distribute (2016-2020 year) announcement " mention in optimizing financing environment should " drive innovation of banking finance orgnaization to suit medium and small businesses especially the financial product of demand of small small company and service, develop receivable Zhang money, goods in stock (the storehouse is odd) wait for movable financing mode, drive begin supply catenary financing " .

Released in May 2017 " small small company is receivable Zhang fund financing is special action work program (2017-2019 year) " be aimed at small small company supply catenary banking business from the following 6 respects put forward the task to ask: Begin financing of receivable Zhang fund to publicize government of promotion activity, support to purchase a supplier to be depended on lawfully compasses begin financing, play to supply catenary core business to lead action, optimize the capital such as financial orgnaization to provide technological process of business of financing of fund of square receivable Zhang, advance receivable Zhang money impawn and make over register, optimize enterprise business standing environment.

After two months, general office of the State Council is in " the directive opinion that supplies catenary innovation and application about be being advanced actively " in point out clearly should " active and reliable development supplies catenary finance " , should drive on one hand supply catenary finance to serve hypostatic economy, urge a commercial bank, supply catenary core business to open share information, encourage build supply catenary finance to serve platform, on development route financing of receivable Zhang fund supply catenary finance mode; Should notice to be on guard on the other hand supply catenary banking venture, drive amount due grade and the wind that photograph of main body grade combines to control a system, strengthen measure of financial science and technology apply, supply catenary finance to assure soundly, mechanism of guaranty, impawn is waited a moment.

According to this " opinion " came on stage in April 2018 " supply the announcement with catenary innovation and pilot application about beginning " in, emphasized pilot enterprise perfecting again supply catenary platform, standard to supply the working point such as catenary banking business, point out should " strengthen swim with fluctuation enterprise implementation system and data butt joint; Innovation supplies mode of catenary banking business, optimize supply catenary capital to flow " .

Can discover, after supplying catenary construction to make strategy of a kind of country, supplied catenary banking business to also obtain the look of more attention.

Policy direction is demonstrative card, also be barometer, often drawing is worn interest related side undertakes great and decision-making the ongoing direction when.

1, each main body sends the market in succession force supplies catenary finance

Company of business of ① Internet, cable. The famous Internet enterprise such as drop of Baidu, Tecent, millet, drop and Alibaba, Beijing east, what the electric business company such as beauty of Su Ning, country is based on platform to supply the existence on catenary is broad in small small company and layout supplies catenary finance, development goes gold of finance of degree of Grain Full, millet, ant to take, dish bird supplies catenary finance, capital east the finance such as beautiful finance of finance, Su Ning finance, country serves platform, serve to advance financing of financing, goods in stock and financing of receivable Zhang fund offer major; Ant gold is taken, Su Ning finance, millet finance, still supplying catenary ABS to grew to issued asset the most quickly to support negotiable securities 2018; Tecent criterion and supplied easy be in harmony of couplet of catenary finance platform to make those who be based on technology of area piece catenary jointly " catenary of small look forward to " .

② finance orgnaization. The financial orgnaization such as bank, stockjobber was certain to supply the broad market space on catenary banking business, also innovate one by one financial product, improve service efficiency, for instance restful bank was rolled out supply chain receivable Zhang money serves platform (abbreviation " SAS platform " ) ; Bank of Chinese the people's livelihood, Bank of China, medium the area that 3 designs developed letter bank to be based on technology of area piece catenary piece catenary blessing Fei Ting trades platform. The stockjobber such as negotiable securities, wide hair negotiable securities, day wind negotiable securities is believed to be in in begin considerably in recent years supply catenary ABS business, caught up with trade wind gap.

Enterprise of ③ manufacturing industry. The enterprise also joined the old brand manufacturing industry such as Er of division force, Kang Jia, TCL, sea to begin the vast and mighty army that supplies catenary finance in the center, roll out the platform such as sheet of be in harmony, gold sheet, cloud sheet, offer the detachable cent, receivable Zhang that be on the move for supplier of class of N of core company advanced position proof of paragraph electron creditor's rights, aim business of get through core swims up and down, improve financing efficiency, reduce financing risk.

Enterprise of ④ finance science and technology. Offer as major those who supply catenary banking service is medium catenary of cloud of look forward to applies innovation of financial science and technology to give Wu of cloud be convinced, the industry that the advantage help that uses the cloud to believe high reliability, free, detachable cent supplies catenary to go up clears trigonometry debt. Regard the couplet that supplies catenary finance platform as Yi Rong likewise the technology such as computation of intelligence of labour of choose and employ persons of sufficient carry, big data, cloud, of user of real time follow-up introduce, serve the particular operation, technological process such as risk control.

2, from cast financing to see company position trend

Encourage general benefit finance as the country of relevant policy come on stage in succession, the way that the enterprise seeks finance to innovate is increasing also. At the beginning of last year December, ant gold is taken what invested to aid force road freight transport to digitlize early or late is medium hand in those who promote road kimono Wu to shed a business at young small other people triumphant capital science and technology. Among them, ant gold is taken with in hand in promoted a road to be made jointly " road gold plans " -- offer integrated finance to serve for industry of road freight transport, this plan is involved fee pays after be being cheered first, collect fees too the station deducts a money automatically, run loan, insurance without what assure without guaranty in installment, buy a car in installment, the 6 old other people such as content shedding settle accounts shed financial setting.

Same, change on the digitlization that ant gold took the collaboration with triumphant capital science and technology to also point to content to shed a service and line, sort expensive problem of industry financing difficult financing to solve young small other people, triumphant capital science and technology offerred freight and van to wait for financial service in installment. This year on May 5, ant gold is taken invested content to shed information to serve content of trade route song to flow, road song content flows will be taken with ant gold respectively and boreal steam group serves strategy of as aspirant as the setting such as the service after the car travel to cooperate in finance.

And the financial professional work that oneself begin to do impawn of imprest financing, merchandise on hand and receivable Zhang money to maintain put in order before old brand content sheds enterprise Pu Luosi to be in not only 3 years, still serve provider couplet easy be in harmony at investing financial science and technology last year. The fluctuation that the couplet easy be in harmony that held water 2016 basically is in charge of using the technology such as big data, artificial intelligence to supply catenary to go up for whole swims the enterprise offers setting to change, the finance that changes on digitlization, line serves, introduce from the user, user service, wind accuses to manage support service to all can accomplish real time follow-up.

(palm catenary medium is arranged according to publishing a material)

(Zhao Jianlin of reporter of palm catenary medium)