Press: During the Two Sessions. Recently, China Reform Daily conducted an exclusive interview with Shen Guojun, a member of the National Committee of the Chinese People's Political Consultative Conference and founder and chairman of Intime Group, to further resolve the problem of difficult and expensive financing for small and medium-sized enterprises. The relevant report has received attention and forwarding from the National Development and Reform Commission. The following is the full text of the report.

"In order to further resolve the problem of difficult and expensive financing for small and medium-sized enterprises, differentiated regulatory incentive policies and guidance measures should be established to guide financial institutions to link performance assessment with supporting the development of the private economy, and to increase the assessment weight of credit business for private enterprises. ”Shen Guojun, a member of the National Committee of the Chinese People's Political Consultative Conference, standing committee member of the Central Committee of the China Zhi Gong Party, and founder and chairman of Yintai Group, put forward three suggestions in an interview with China Reform Daily and Reform Network reporters.

Implementing precise policies to enhance the efficiency of financial supply. Based on multiple categories such as industrial chain, supply chain, technology innovation board, commercial district, and customer base, develop light asset and credit based characteristic financial products. Expand the precise docking mode between banks and enterprises, combine industry, business district, and regional characteristics, and organize bank enterprise docking online and offline in various ways, effectively expanding the financial supply to manufacturing, service, technology innovation enterprises and other fields.

Through diversified policy combinations, guide financial institutions to establish a long-term mechanism of "daring to lend, willing to lend, able to lend, and able to lend". Accelerate the establishment and improvement of due diligence exemption measures and standards for financial institutions to serve private enterprises, and differentiate the tolerance for non-performing loans to small and micro enterprises. Support the development of small and medium-sized financial institutions that primarily serve small and medium-sized private enterprises. Deepen the pilot of joint credit granting and guide financial institutions to establish medium - and long-term cooperative relationships with private enterprises. Deepen the application of credit information, actively explore innovative mortgage and pledge methods, and open up new avenues for financing for small and micro enterprises lacking collateral.

Explore the establishment of a new mechanism to enhance the credibility of private enterprises. Develop bond financing support tools for private enterprises and increase credit support for private enterprise financing in a market-oriented manner. Where conditions permit, consideration can be given to establishing a risk compensation fund for small and medium-sized private enterprises, and researching the launch of demonstration projects for private enterprise credit enhancement. If private enterprises and small and medium-sized enterprises apply for guaranteed financing with accounts receivable, state organs, public institutions, and large enterprises that are accounts payable should promptly confirm the creditor debtor relationship and actively support eligible private enterprises to expand direct financing.

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