Fan Xiaoyun, member of the National Committee of the Chinese People's Political Consultative Conference: Promote the implementation of comprehensive financial services for small, medium and micro enterprises 　　

Editor 's Note Strengthening the effective financial support for the real economy, stabilizing the market and ensuring employment are the core keywords of this year's National People's Congress and the National People's Congress

In order to continue to do the important work of promoting "six stability" and "six guarantees", a multi-perspective service system for financial services for small, medium and micro enterprises should be established with institutional guidance at the front, implementation mechanisms in the middle, and effective evaluation at the end

According to the reporter's understanding, since the 18th National Congress of the Communist Party of China, especially after the outbreak of the new crown pneumonia epidemic, a large number of financial support policies for small and medium-sized enterprises have been introduced, and the financing environment, especially the policy environment, of small and medium-sized enterprises has been improved

"But in actual development, there are still many explicit and invisible barriers in the field of financial services for small, medium and micro enterprises

The specific manifestations are that the inclusive financial services for small, medium and micro enterprises stipulated by policies lack commercial foundation and the market lacks motivation; indirect financing is still the main financing channel for small and medium enterprises, and the proportion of direct financing obtained through the capital market and other fields is limited; financial technology The scenarios for serving small and micro enterprises are limited, and service habits are still to be popularized; the credit reporting system for small and micro enterprises is not developed enough, and the financial knowledge of enterprises themselves is not popular enough; the rapid digital transformation has made small and medium-sized enterprises differentiate in terms of financing capabilities

On the whole, the current outstanding problem is the lack of a starting point for policy implementation.

Fan Xiaoyun said that it is urgent to set up policy financial service institutions for small, medium and micro enterprises

The establishment of a special policy-oriented financial institution for small, medium and micro enterprises will expand the connotation of the existing financial system, enrich the functions of financial services for the real economy, overcome the shortcomings of limited information of private financial institutions, reduce the risk and difficulty of SME loans, make up for the lack of commercial financing, and guide And support the transformation and upgrading of small and medium-sized enterprises in the direction of serving the national strategy, coordinate the necessary infrastructure construction, the purchase of advanced fixed assets and the renewal of human capital required for the digital transformation and technological empowerment of small and medium-sized enterprises

　　When the institution is established, it can be jointly funded and established by the central government and local governments by issuing special bonds, etc.

　　In addition, Fan Xiaoyun also proposed to reshape the policy-based financial supervision and evaluation system for small, medium and micro enterprises