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加强对中小企业支持的新措施

New steps to boost support for SMEs
加强对中小企业支持的新措施
708字
2019-10-11 08:20
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火星译客

Companies with good credit history will enjoy favorable interest rates, convenient loan approval channels

具有良好信用记录的公司将享受优惠的利率,便利的贷款批准渠道

China is actively taking steps to spur lending to micro, small and medium-sized enterprises secured by their credit records, in a move to lift the economy amid mounting growth downside pressure.

中国正积极采取措施,向以信用记录作为担保的微型,中小型企业提供贷款,以在增长下行压力日益加剧的情况下提振经济。

The new steps will allow medium, small and micro companies with good credit history to enjoy more favorable loan interest rates and more convenient loan approval channels, which will help ease their difficulties in accessing affordable financing, the National Development and Reform Commission and the China Banking and Insurance Regulatory Commission said in a recent statement.

新的措施将使具有良好信用记录的中小型和微型公司享有更优惠的贷款利率和更便捷的贷款批准渠道,这将缓解他们在获得负担得起的融资,国家发展和改革委员会以及中国银行业方面的困难。保险监督管理委员会在最近的声明中说。

According to the statement, the country will establish and perfect the credit information collection, sharing and inquiry mechanism and a credit evaluation system for medium, small and micro businesses.

根据声明,中国将建立和完善中小企业信用信息的收集,共享和查询机制以及信用评价体系。

The NDRC and CBIRC encouraged financial institutions to increase credit-based loans to small- and medium-sized enterprises to help reduce bank dependence on collateral. And they urged local governments to introduce supportive policies for such loans and set up special funds to compensate for defaults.

国家发改委和银监会鼓励金融机构增加对中小企业的信贷贷款,以减少银行对抵押品的依赖。他们敦促地方政府对此类贷款采取扶持政策,并设立专项资金以弥补违约。

Dong Ximiao, a researcher at the National Institution for Finance and Development, spoke highly of the new steps, saying the establishment of a unified information sharing platform will help reduce the information asymmetry between financial institutions and private companies and ensure better financial services for the real economy.

国家金融发展研究所研究员董锡苗对新举措表示赞赏。他说,建立统一的信息共享平台将有助于减少金融机构与私人公司之间的信息不对称,并确保为实体经济提供更好的金融服务。

"Private companies, especially small enterprises, play a key role in supporting China's economic and social development," Dong added."We need to pay more attention to the problems impeding further growth of SMEs, such as financing difficulties."

董补充说:“私人公司,特别是小企业,在支持中国经济和社会发展中起着关键作用。我们需要更多地关注阻碍中小企业进一步发展的问题,例如融资困难。”

Tang Jianwei, chief researcher at the Financial Research Center of Bank of Communications, agreed, saying the government needed to beef up support for SMEs that create jobs and focus on innovation.

交通银行金融研究中心首席研究员唐建伟表示同意,他说政府需要加强对中小企业的支持,这些中小企业可以创造就业并专注于创新。

In the first eight months, profits of major Chinese companies shrank 1.7 percent year-on-year. In particular, the profits of industrial enterprises above a designated size dipped 2 percent in August, according to official data.

今年前八个月,中国主要公司的利润同比下降了1.7%。官方数据显示,特别是规模以上工业企业的利润在8月份下降了2%。

"The industrial profit decreased due to weak factory activity and mounting downward pressure," Tang said. "Policies need to stress countercyclical adjustment. And more efforts are needed to alleviate difficulties in accessing affordable financing to bring about substantial reduction in financing costs for the real economy."

唐说:“由于工厂活动疲软和下行压力不断增加,工业利润下降。” “政策需要强调反周期调整。还需要做出更大的努力来减轻获得可负担融资的困难,从而大幅降低实体经济的融资成本。”

Dong explained that there are many reasons for SMEs' financing difficulties, such as information asymmetry, less established related policies and regulations and less established credit guarantee system.

董说,中小企业融资困难的原因有很多,例如信息不对称,相关政策法规不完善,信用担保体系不完善等。

"Part of the reasons for that financing difficulty is that SMEs lack sufficient collateral for banks. It is also hard for financial institutions to access the actual production and operation information of SMEs, thus they are not able to analyze SMEs' financial performance and development prospects," Dong said. "However, with big data, artificial intelligence and other new technologies, now we are able to solve those problems with the support of various types of credit information."

“造成融资困难的部分原因是中小企业缺乏足够的抵押品给银行。金融机构也很难获得中小企业的实际生产和经营信息,因此他们无法分析中小企业的财务业绩和发展前景”,董说。 “但是,借助大数据,人工智能和其他新技术,我们现在能够在各种类型的信用信息的支持下解决这些问题。”

China has taken a series of measures to curb the fast rise of financing costs faced by private companies, and is set to take a multipronged approach to further cut the financing costs for small and micro companies by another 1 percentage point this year.

中国已经采取了一系列措施来遏制私人公司面临的融资成本的快速上升,并且将采取多管齐下的措施,将今年小型和微型公司的融资成本进一步削减1个百分点。

A comprehensive national financial service platform focusing on providing financing support for small and micro businesses secured by their credit records went online last month after the NDRC and CBIRC released the guidelines.

国家发改委和银监会发布指导方针后,上个月上线了一个综合性的国家金融服务平台,该平台致力于为以信用记录作为担保的小型和微型企业提供融资支持。

The online financial platform shows the government's efforts to boost real economy development through financial services. It gives greater support for small and private businesses while asking for more support from banks and other financial institutions through innovative tools.

在线金融平台显示了政府通过金融服务促进实体经济发展的努力。它为小型和私营企业提供更多支持,同时通过创新工具要求银行和其他金融机构提供更多支持。

Dong said more efforts are needed to build an open and unified information service platform, break down the information barriers between different government departments, deepen the cooperation between financial institutions on setting up uniform standards and integrating internal data resources, carry out cross-industry cooperation and make steady progress in legislation on information protection.

董建华说,需要建立开放,统一的信息服务平台,打破政府部门之间的信息壁垒,深化金融机构之间在建立统一标准,整合内部数据资源,开展跨行业合作和信息化方面的合作。信息保护立法稳步推进。

"It is important to solve the first mile difficulty and we need to step up efforts to alleviate the difficulty for accessing financing services. Once private companies take out the first loan, it will be much easier for them to get more loans based on their credit data," Dong added.

“解决一开始的问题的困难很重要,我们需要加紧努力,以减轻获得融资服务的困难。一旦私人公司获得了第一笔贷款,他们将更容易根据自己的信用获得更多的贷款。”

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