浙江体系化精准推进小微金融服务

发布时间:2020年09月06日 06:01:20  作者:sarkscribe.com

  JINNIANYILAI,ZHEJIANGYINBAOJIANJUJIJILUOSHISHENGWEISHENGZHENGFUYIJIYINBAOJIANHUIDEGONGZUOBUSHUYAOQIU,JIADAXIAOWEIQIYEFUCHANFUGONGDEJINRONGZHICHILIDU。YUSHENGNEIJINGXIN、SHICHANGJIANGUAN、SHANGWU、KEJIDENGDUOBUMENJIAQIANGLIANDONG,DAJIANZHEJIANGTESEXIAOWEIJINRONGCHAYIHUAFUWUZHENGCEKUANGJIATIXI,SHENHUA“4+1”XIAOWEIJINRONGCHAYIHUAXIFENGONGZUO,DALITUIJINSHOUDAI、XINYONGDAI、WUHAIBENXUDAI,TUIDONGXIAOWEIQIYEDAIKUAN“ZENGLIANGKUOMIAN、TIZHIJIANGBEN”,TIGAOXIAOWEIJINRONGFUWUDEJINGZHUNDUHEQIYEHUODEGAN。JIEZHI7YUEMO,QUANSHENGXIAOWEIQIYEDAIKUANYUE4.5WANYIYUAN,QIZHONG:PUHUIXINGXIAOWEIQIYEDAIKUAN2.2WANYIYUAN,BINIANCHUZENGJIA3939.3YIYUAN,GAOCHUGEXIANGDAIKUANZENGSU9.5GEBAIFENDIAN,TONGBIZENGZHANG32.7%;PUHUIXINGXIAOWEIQIYEDAIKUANLILV(BUHANWANGSHANGYINXING)5.73%,JIAONIANCHUXIAJIANG0.83GEBAIFENDIAN。ZHUYAOCUOSHIBAOKUO:

  一、深化“4+1”小微金融差异化细分工作

  (YI)“YIDADAIXIAO”,QIANGHUADUICHANYELIANSHANGXIAYOUZHONGXIAOWEIQIYEZHICHI。ZHENDUIZHEJIANGSHISHIZHIZAOYECHANYEJICHUZAIZAO、SHIDABIAOZHIXINGCHANYELIANDAZAOHEKABOZIJISHU“QIANGLIAN、BULIAN”DENGJINRONGFUWUXUQIU,“YILIANYICEYIFANGAN” JINGZHUNZHICHICHANYELIANTISHENG。JIANLICHANYELIAN“KABOZI”JISHUZHONGDIANXIANGMUQINGDAN,JIADACHANYELIANZHONGGOUTIDAI、KEJIGONGGUAN、XIETONGCHUANGXINXIANGMUSHISHI、GUANJIANHEXINJISHU(CHANPIN)TUIGUANGYINGYONGDENGGUANJIANJISHUXIANGMUJINRONGCHUANGXINZHICHI,QIANGHUACHANYELIANANQUANBAOZHANGHEWENDING。ZUJIANCHANYELIANYOUHUATISHENGLIANHESHOUXINTI,BINGNARULIANHEHUISHANGGONGZUOJIZHI,YOUHUARONGZIJIEGOU,WENDINGRONGZIYUQI,QIANGHUALIANHESHOUXIN、YINTUANDAIKUAN、ZHONGQILIUDAI、WUHAIBENXUDAI、YANQIHAIBENFUXIDENGZHICHIYINGYONG。JIANLICHANYELIAN“HEXINQIYE+GUANLIANQIYE+GUANJIANPEITAOQIYE”RONGZIJIANCEJIFENGXIANYUJINGJIZHI,JIAQIANGCHANYELIANLIANHETIFENGXIANWENKONG,WENLIANBAOLIANQIANGLIAN。JIEZHIERJIDUMO,XIANEI(QUANSHENGBUHANNINGBO,XIATONG)YINXINGYIWEI1.7WANJIACHANYELIANHEXINQIYETIGONG1.7WANYIYUANZIJINZHICHI,WEI14.7WANJIASHANGXIAYOUZHONGXIAOWEIQIYETIGONGXINDAIZIJIN1.5WANYIYUAN;QIZHONGNARUWOJUZHONGDIANGENZONGJIANCEDEGONGYINGLIANJINRONGHEXINQIYE411JIA、SHANGXIAYOUXIAOWEIQIYEYUE8000JIA,SHEJIBIAONEIWAIRONGZIYUE1177YIYUAN。

  (ER)QUANMIANTUIJIN“WUWEIYITI”XIAOWEIYUANQUJINRONGFUWUMOSHI。TUIJINXIAOWEIYUANQURUYUANQIYEFENLEIJIANDANGHESHOUXINGONGZUO,TUOKUANSHOUXINFUGAIMIAN。ANZHAOSHICHANGHUAYUANZEHEZUIYOUFUWUYUANZE,GENJUYUANQUZHENGTIGUIMO、QIYESHULIANG、RONGZIXUQIUJICHANYEDENGTEDIANPIPEI3-5JIAHUOBANYINXING,JIANLIZHANGQIWENDINGDEHEZUOGUANXI,MUQIANXIANEIXIAOWEIYUANQU“HUOBANYINXING”FUGAILV96%。CHONGFENFAHUI“JINRONG+KEJI+YUANQU+ZHENGFU+JIANGUAN”DUOZHUTIZUOYONG,TUIDONGYINXINGYUBAOXIAN、TOUZIJIJINJIZHENGCEXINGRONGZIDANBAODENGJIGOULIANDONG,DUOZHUTIGONGJIANFUWUXIAOWEIYUANQUDEJINRONGZHICHI、FENGXIANBUCHANGHEBAOZHANGTIXI。TUIDONGYINXINGANZHAO10WANYUANYIXIA、10-50WANYUAN、50-500WANYUAN、500-1000WANYUANDENGSHOUXINGUIMO,FENCENGFENLEI,WEIXIAOWEIYUANQUJIRUYUANQIYETIGONG“YILANZI”ZONGHEJINRONGFUWUFANGAN。JIEZHIERJIDUMO,QUANSHENGRUYUANQIYEYIFENLEIJIANDANG23121JIA,FUGAILV50.5%,JIAONIANCHUSHANGSHENG13.1%;QUANSHENGJINGRENDINGDEXIAOWEIYUANQURUYUANQIYEDAIKUANSHOUXINZONGECHAOGUO1013YIYUAN,DAIKUANYUE754.6YIYUAN。

  (SAN)QINGDANSHIGUANLIFUWU,TUIDONGKEJIXINGZHONGXIAOWEIQIYEJINRONGFUWUCHANPINHEMOSHICHUANGXIN。ZHENDUIKEJIXINGQIYEQINGZICHAN、DIYADANBAOWUBUZU、DUANQICAIWUZHIBIAOBUYOUDETEDIAN,LIANDONGSHENGKEJITING,TUIDONGYINXINGJIGOUDUIGAOXINJISHUQIYE、GUOJIAJIHESHENGJIKECHUANGXINGXIAOWEIQIYEQINGDANSHIGUANLIFUWU,TIGONG“QUANSHENGMINGZHOUQIFUGAI+ZENGZHIFUWU”FANGAN,TANSUOKAIZHANSHANGBIAOQUAN、ZHUANLIQUANDENGZHIYADAIKUAN,BINGLIYONGQIYEDEZHISHICHANQUAN、YANFATOURU、KEJIRENCAI、CHUANGXINCHANPINDENGZHISHIJIAZHIXINXI,JIANGKEJIXINGQIYEDEZHISHIJIAZHIXINXIZHUANHUAWEIRONGZIXINYONGXINXI。JIEZHIERJIDUMO,XIANEIYINXINGGONGFUWUGUOJIAJIGAOXINJISHUQIYEHESHENGJIKEJIXINGZHONGXIAOQIYE3.8WANHU,DAIKUANYUE5608.2YIYUAN,BINIANCHUZENGJIA270.3YIYUAN,SHANGBANNIANLEIJIXINFAFANGDAIKUAN3912.6YIYUAN,PINGJUNDAIKUANLILV4.82%。

  (SI)JIADADUIGETIGONGSHANGHUDENGXINAJIUYEXINGXIAOWEIQIYEJINRONGZHICHILIDU。YIGETIGONGSHANGHUHEXIAOWEIQIYEZHUWEIZHONGDIAN,YINDAOYINXINGJIGOUJINYIBUXIACHENFUWUZHONGXIN,CHUANGXINFUWUSHOUDUANHEMOSHI,“WANGLUO+WANGGE”GOUJIANGENGJIAFUHEXINAJIUYEXINGXIAOWEIQIYEXUQIUDEJINRONGFUWUTIXI。JIAQIANGSHICHANGJIANGUAN、SHUIWU、RENLISHEBAODENGLINGYUXINXIGONGXIANGHEXIEZUO,YINDAOYINXINGJIGOUXIFENXINGYEHELEIXING,JIAQIANGYUSHICHANGYUNYINGGUANLIFANGJIJIEDAOSHEQUHEZUO,CHONGFENWAJUEGETIGONGSHANGHUYOUXIAOXINXI,YOUHUAXINYONGPINGJIAMOXING,CHUANGXINDAIKUANCHANPIN,JIAQIANGKEJIYUNYONG,WEIGETIGONGSHANGHUTIGONGBIANJIE、GAOXIAODEJINRONGFUWU。JIEZHI7YUEMO,QUANSHENGGETIGONGSHANGHUDAIKUANYUE7976.6YIYUAN,JIAONIANCHUZENGJIA1136.9YIYUAN,ZENGSU16.6%,GAOYUGEXIANGDAIKUANZENGSU4.2GEBAIFENDIAN。

  (WU)SHENHUAYINXINGJIGOUYUZHENGCEXINGRONGZIDANBAOHEZUO。YUSHENGDIFANGJINRONGJIANGUANJUJIAQIANGLIANDONG,TUIDONGZHENGCEXINGDANBAOJIGOUWANSHANNEIBUKAOHEJIZHI,TUIDONGWENZHOUDENGDILVXIANKAIZHANSHIJIDANBAOJIGOUYITIHUAJIANSHE,ZUODAZUOQIANGZHENGCEXINGDANBAOTIXI。SHENHUAYINDAN“ZONGDUIZONG”DUIJIEHEZUO,TUIDONGYINDANSHUANGFANGZHONGDIANZHENDUIYOURONGZIXUQIU、XINYONGZHUANGKUANGLIANGHAO,YIJISHOUYIQINGYINGXIANGJIAODADEXIAOWEIQIYE,GONGTONGSHULIJIANLIHEZUOZHICHIQIYEQINGDAN,KAIFASHIHEPUHUIJINRONGLINGYUDEJINRONGCHANPINHEDANBAOZUHE,TIGAO“ZHONGJIANCENG”XIAOWEIQIYEJINRONGFUWUKEDEXINGHEFUGAIMIAN。JIEZHIERJIDUMO,XIANEIYINXINGJIGOUGONGYU242JIADANBAOJIGOUHEZUO,ZHONGXIAOQIYERONGZIDANBAODAIKUANYUE281.9YIYUAN,BINIANCHUZENGZHANG46.4%;HUSHU1.9WANHU,BINIANCHUZENGZHANG148.9%。

  二、大力推进首贷、信用贷、无还本续贷