受今年以來經濟下行壓力加大影響，小微企業經營困難增加。金融機構在紓困幫扶方面做了哪些工作，在5月19日銀保監會舉行的“銀行業保險業應變克難，助力實體經濟平穩健康發展”專場新聞發布會上，中國工商銀行、中信銀行和中國人保等給出了答案。
Chinese banks and insurers have ramped up financial support for micro and small enterprises (MSEs) and self-employed individuals as they have been facing a significant increase in difficulties since the beginning of this year.
由于今年年初以來，我國小微企業和個體工商戶受到較大沖擊，銀行和保險機構加大了對其金融支持力度。
To help market entities tide over tough times, the Industrial and Commercial Bank of China Ltd, the country's largest State-owned commercial lender by assets, saw its outstanding balance of inclusive loans rise 43 percent year-on-year at the end of the first quarter.
為了幫助市場實體度過難關，中國工商銀行一季度末普惠貸款余額同比增長43%。
First-time borrowers accounted for about 40 percent of the bank's new MSE clients in the first quarter. The comprehensive financing cost of MSEs at the bank fell 60 basis points from the previous year, said Liao Lin, vice-chairman and president at ICBC, at a news conference on May 19.
一季度小微企業新增客戶中首貸戶占比約40%。中國工商銀行副董事長兼行長廖林在5月19日的新聞發布會上表示，全行小微企業綜合融資成本較上年下降了60個基點。
Ever since the COVID-19 pandemic first hit in Wuhan, Hubei province, ICBC has deferred repayments on principal and interest, which involves a loan principal of more than 400 billion yuan ($59.77 billion) for 265,000 MSEs. Since the beginning of this year, the bank has deferred repayments on the principal of 68.2 billion yuan for 31,000 MSEs.
自湖北省武漢市首次發生疫情以來，中國工商銀行已累計為26.5萬戶普惠型小微企業辦理延期還本付息，涉及貸款本金超4000億元。今年以來，已經為3.1萬戶辦理延期還本付息682億元。
"We used digital technologies to enhance our capabilities to serve small businesses and ensure that our funds will arrive at MSEs directly and precisely," Liao said.
廖林說：“工行通過數字提能確保資金精準直達小微企業。”
"With the help of data and credit of core enterprises in supply chains, our bank granted unsecured loans to upstream and downstream MSEs to help them lower financing costs and improve the utilization efficiency of funds … So far, we have adopted digital solutions that offer financing for over 2,300 supply chains in a number of industries including agriculture, healthcare and logistics," he said.
廖林表示：“借力供應鏈核心企業數據和信用，我行向上下游小微企業發放信用貸款，幫助降低融資成本，提高資金使用效率……目前已落地農業、醫療、物流等行業數字供應鏈2300余條。”
China CITIC Bank Corp Ltd, a national joint-stock commercial lender, also launched a suite of digital loan products in accordance with the characteristics of MSEs, using big data analytics in supply chains to evaluate the performance and creditworthiness of small businesses, said Fang Heying, vice-chairman and president of the bank.
中信銀行副董事長兼行長方合英表示，中信銀行打造了一套契合小微企業特點的數字化產品體系。利用供應鏈中的大數據分析來評估小企業的信用業績。
For upstream manufacturing MSEs, China CITIC Bank made decisions on whether to grant a credit line to a company based on its order and historical contract fulfillment data. For downstream sales MSEs, it developed an unsecured loan product based on real transaction scenarios and transaction data of a company. For sci-tech companies, it provided another type of unsecured loan through analyzing big data to assess a company's technological advantages and innovation capacity.
針對處在供應鏈上游的生產型小微企業，中信銀行依據企業的訂單數據和歷史履約數據給予授信。針對供應鏈下游銷售型小微企業，該行依托企業真實的貿易場景和交易數據發放信用貸款。面向科創類企業，中信銀行基于企業的技術優勢、創新能力等大數據模型，推出自動審批的信用貸產品。
Allowing small businesses to apply for these loans online without collateral, the bank can complete the process of loan approvals and issuances very efficiently via a smart risk management platform, Fang said at the news conference.
方合英在新聞發布會上表示，中信銀行允許小微企業通過線上化服務渠道申請信用貸款，通過智能化風控平臺高效地完成貸款審批和發放流程。
As of the end of the first quarter, the outstanding balance of inclusive loans at China CITIC Bank reached nearly 400 billion yuan, up 32.1 billion yuan from the beginning of this year. The number of first-time borrowers increased by 2,439 in the first three months, accounting for nearly 20 percent of its new MSE borrowers that were granted loans.
截至一季度末，中信銀行普惠金融貸款余額近4000億元，比年初增長321億元，小微企業新增首貸戶2439戶，占新投放貸款客戶近20%。
In addition, the bank deferred repayments of principal and interest of over 5 billion yuan for 2,000 businesses in the first quarter, the majority of which are MSEs facing difficulties. It also reduced or waived 11 items of service fees for MSEs and self-employed individuals.
此外，中信銀行一季度為2000戶企業辦理延期還本付息50多億元，其中大多數是面臨困難的小微企業，減少或免除小微企業和個體工商戶的11項服務費。
Recently, Beijing has been tightening COVID-19 restrictions because of a resurgence of infections in the capital city. People's Insurance Co (Group) of China Ltd, one of China's leading insurers, and the Chaoyang District People's Government of Beijing Municipality jointly launched an insurance product for services companies in the district to support the fight against the pandemic.
最近，由于疫情出現反彈，北京防控措施收緊。中國人保集團與北京市朝陽區政府聯合推出了一款針對該區服務型企業的保險產品，以支持抗疫。
PICC provided compensation of 100 yuan per day for each employee of services companies for a maximum of 21 days as the companies are forced to close temporarily due to government requirements for the prevention and control of COVID-19 during this round of the outbreak. It also allowed each services company to receive a total compensation of up to 100,000 yuan for each shutdown occurrence.
中國人保對本輪疫情中按照防疫要求暫停經營的服務型企業員工給予每人每天100元賠償，最高賠償期限21天，每家企業每次停業事故累計最高可賠償10萬元。
As of the end of April, the insurance plan had covered around 740,000 people at 62,000 companies, and the insurer had settled claims totaling over 1.35 million yuan for about 250 businesses and more than 1,200 people, said Wang Tingke, vice-chairman and president of PICC.
中國人保集團副董事長兼總裁王廷科表示，截至4月底，該保險累計覆蓋6.2萬家企業，承保約74萬人，陸續完成約250家企業、1200余人的賠款支付工作，共計賠付金額135萬余元。
來源：中國日報
編輯：董靜
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