Dafabet reviews

January 2，The People’s Bank of China issued an announcement，Since 2019，Adjust the small and micro enterprise loan assessment standards for inclusive finance targeted RRR reductions from "single household credit less than 5 million yuan" to "single household credit less than 10 million yuan"。The central bank said，This is conducive to expanding the coverage of preferential policies for targeted reserve requirement ratio reductions for inclusive finance，Guide financial institutions to better meet the loan needs of small and micro enterprises，Benefit more small and micro enterprises。

The policy of targeted reserve requirement ratio reduction for inclusive finance was first introduced by the central bank in September 2017，Focus on small and micro enterprise loans with a single credit limit of less than 5 million yuan、Operation loans for individual industrial and commercial households and small and micro business owners，And farmers’ production and operation、Entrepreneurship Guarantee、Poverty-stricken Dafabet reviewspopulation registered、Student loans and other loans。The policy is implemented in two levels: the balance or increase of the above-mentioned loans in the previous year accounted for 1.5% of commercial banks，The deposit reserve requirement is reduced by 0 based on the base level.5 percentage points;The above-mentioned loan balance or increase accounted for more than 10% in the previous year，Then the deposit reserves of the commercial bank can be reduced by another 1 percentage point on the basis of the aforementioned reduction。

Said by a senior researcher at Chongyang Institute for Financial Studies, Renmin University of China，Follow the original assessment method，It is easier for banks to meet the first level standard，But it is more difficult to reach the second level standard。The assessment standard is now adjusted from "single household credit less than 5 million yuan" to "single household credit less than 10 million yuan"，Equivalent to lowering the threshold for targeted RRR reduction，Include small and micro enterprises with an investment of 5 million yuan to 10 million yuan that were not within the scope of preferential policies，Enables more banks to obtain opportunities for targeted RRR cuts;At the same time，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，Increased the credit limit for single-family small and micro enterprises，Increased market liquidity。

“This move is actually to expand the coverage dafabet live casinoof targeted RRR cuts for small and micro enterprises，Can improve banks’ willingness and ability to serve small and micro enterprises，Further alleviating the problem of difficult and expensive financing for small and micro enterprises，It is a reflection of the policy further favoring small and micro enterprises。”Senior Researcher, Chongyang Institute for Financial Studies, Renmin University of Chinarepresentation，Implement such assessment measures before and after the Spring Festival，It helps to maintain reasonably sufficient market liquidity at the end of the year and the beginning of the year，Keep financial markets running smoothly。

A senior researcher at the Bank of Communications Financial Research Center believes，This standard adjustment is beneficial to commercial banks in better developing inclusive finance，Mainly manifested in: First, it can reduce the cost of banking services to small and micro enterprises，Includes cost of capital、Operating costs, etc.;The second is to help banks expand the scope of small and micro services，Not afraid of rising cost pressure;Third, it is conducive to banks’ implementation of enterprise-specific policies，The credit model is expected to be further optimized，Small and micro risk management and control capabilities will be improved。

  Source: Economic Daily (Reporter Li Hualin)