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The People’s Bank of China decided on the 2nd，Since 2019，Adjust the small and micro enterprise loan assessment standards for inclusive finance targeted reserve requirements reduction from "single household credit less than 5 million yuan" to "single household credit less than 10 million yuan"。

A senior researcher at the Bank of Communications Financial Research Center believes，This adjustment has two meanings: First, the credit scale of enterprises that originally enjoyed preferential credit can be increased from a maximum of 5 million yuan to a maximum of 10 million yuan，This increases the credit limit for single-family small and micro enterprises，Be able to better meet the business needs of dafabet online betting websitesmall and micro enterprises。The second is to include small and micro enterprises that were not originally within the scope of preferential policies，Conducive to expanding the scope of banking services for small and micro enterprises，Benefit more small and micro enterprises。

“This standard adjustment will help commercial banks better develop inclusive finance。”Senior Researcher at Bank of Communications Financial Research CenterName，First of all, it can reduce the cost of banks serving small and micro enterprises，Includes cost of capital、Operating costs, etc.。Secondly, it is helpful for banks to expand the scope of small and micro services。Once again, it is beneficial for banks to implement policies based on enterprises，The credit model is expected to be further optimized，Small and micro risk management and control capabilities will be improved。

　　Senior Researcher at Bank of Communications Financial Research CenterEmphasis: “This adjustment is a win-win decision based on past business experience and current needs。In actual execution，The proportion of banks serving small and micro enterprises of different sizes can Dafabet reviewsbe further monitored，Prevent the phenomenon of ‘loving the big and hating the small’。”

  Source: China Securities Network (Reporter Peng Yang)