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The private economy is an important part of the socialist market economy，Growing steadily、Promote innovation、Increase employment、Plays an irreplaceable role in improving people’s livelihood，However, the problem of difficulty in financing and expensive financing for some private enterprises is still prominent。Recently，General Office of the CPC Central Committee、The General Office of the State Council issued the "Several Opinions on Strengthening Financial Services to Private Enterprises" (hereinafter referred to as the "Opinions")，And send notification，Requiring all regions and departments to implement conscientiously based on actual conditions。

"Daily Economic News" reporter noted，A total of eighteen "Opinions"。You can find out by combing through the "Opinions"，For example，Bank、Insurance Funds、Exchanges and other exchanges will fully support private enterprise financing。For example，"Opinions" proposed，Private enterprises、The quality and scale of financing services for small and micro enterprises are important considerations for small and medium-sized commercial banks in issuing stocks;Study on lifting the industry scope restrictions on financial equity investment with insurance funds，Standardize and implement strategic equity investment, etc.。

Study on expanding insurance financial investment

"Opinions" put forward，We must implement differentiated monetary and credit support policies。Encourage financial institutions to increase private enterprises、Credit to small and micro enterprises。Improving dafabet online betting websitethe targeted reserve requirement ratio reduction policy for inclusive finance。Increase re-loan and re-discount quota，Increase the relending and rediscount policies to support agriculture and small businesses to all types of qualified financial institutions including private banks。Increase support for bill financing of private enterprises，Simplify discount business process，Improve discount financing efficiency，Process rediscount in time。

"Opinions" emphasizes，Effectively improve the financing availability of private enterprises。New corporate loans being issued，The proportion of private enterprise loans should be further increased。No discriminatory requirements shall be set against private enterprises in loan approval，Under the same conditions, the loan interest rates and loan conditions for private enterprises and state-owned enterprises shall remain the same。

A senior researcher at the Chongyang Institute for Financial Studies at Renmin University of China thinks，This has positive significance in promoting equal access to financing for private enterprises，Helps stabilize the confidence of private enterprises，Stabilize market expectations。But after such principled provisions，It is best to introduce some more specific measures。

Currently，Many banks are still very cautious towards private enterprises。Wang Jun, chief economist of Zhongyuan Bank, believes，The current monetary policy transmission mechanism is not smooth，Commercial banks always face capital、Regulatory indicators、Several constraints on internal risk control and accountability mechanisms，This is obviously not conducive to opening up the channel for the transmission of loose money to loose credit，Not conducive to stimulating financial institutions to support the real economy，Especially the endogenous driving force of the private economy，Let it exist and be reluctant to lend、The problem of not daring to borrow money。

About supporting financial institutions to replenish capital through the capital market，Expression of "Opinions"，Accelerate the innovation of capital supplement bond instruments for commercial banks，Support the issuance of uncapped dafabet online sports betting appcapital bonds、Innovative tools such as convertible secondary capital bonds to supplement capital。Private enterprises、The quality and scale of financing services for small and micro enterprises are important considerations for small and medium-sized commercial banks in issuing stocks。Study on lifting the industry scope restrictions on financial equity investment with insurance funds，Standardize and implement strategic equity investment。

Achieve efficient docking of capital supply and demand

"Opinions" put forward，Facilitate the construction of information service platform from a strategic perspective。Local governments rely on the national data sharing and exchange platform system，Speed ​​up efforts to build and improve finance、Taxation、Market Supervision、Social Security、Customs、Judiciary and other big data service platforms，Achieve cross-level, cross-department and cross-regional interconnection。Perfect and optimize the information docking mechanism between financial institutions and private enterprises，Realize efficient online connection between capital supply and demand parties，Let information "run away more"，Let enterprises “lessen the legwork”。

A senior researcher at Pangu Think Tank told the reporter of "Daily Economic News"，This is quite meaningful。By information sharing、How to disclose information，Enterprises can run away less，One-stop processing of related matters，Saving the time and cost of opening a business，Reduced business operating burden。

“In the past we all said why not lend money to small and micro enterprises，Because he doesn’t have much collateral，I’m not sure about credit loans。If big data means can be used，Comprehensive evaluation of his credit situation，Multi-dimensional portrait，Then it’s not just a matter of running away，Can also better provide credit products to them，Provide products without collateral guarantee，This is of great significance。”Senior Researcher, Chongyang Institute for Financial Studies, Renmin University of Chinarepresents.

"Opinions" emphasizes，Government-funded financing guarantee institutions should adhere to a quasi-public positioning，Not for profit，Gradually reduce counter-guarantee and other requirements，For eligible cancelable counter-guarantees。The scale of loans to private enterprises and small and micro enterprises is growing rapidly、Commercial banks with a high proportion dafabet online betting websiteof accounts，Can increase risk sharing ratio and loan cooperation amount。

In addition，The "Opinions" also require active support for private enterprise financing relief，Strive to resolve liquidity risks and effectively safeguard the legitimate rights and interests of enterprises。Accelerate the implementation of private enterprise bond financing support tools and the securities industry’s collective asset management plan to support the development of private enterprises。Research to support private enterprise equity financing，Encourage qualified private equity fund managers to initiate the establishment of private enterprise development support funds。Support asset management products、Insurance funds are passed through private equity funds and other institutions recognized by regulatory authorities in compliance with laws and regulations，Participate in resolving stock pledge risks of private listed companies。For private enterprises that encounter temporary difficulties，Financial institutions must follow market orientation、Principles of the rule of law，Differential treatment，Classify and take supportive measures。Accelerate the clearance of outstanding accounts owed to private enterprises。

  Source:Daily Economic News