受今年以來(lái)經(jīng)濟(jì)下行壓力加大影響，小微企業(yè)經(jīng)營(yíng)困難增加。金融機(jī)構(gòu)在紓困幫扶方面做了哪些工作，在5月19日銀保監(jiān)會(huì)舉行的“銀行業(yè)保險(xiǎn)業(yè)應(yīng)變克難，助力實(shí)體經(jīng)濟(jì)平穩(wěn)健康發(fā)展”專(zhuān)場(chǎng)新聞發(fā)布會(huì)上，中國(guó)工商銀行、中信銀行和中國(guó)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(lái)，我國(guó)小微企業(yè)和個(gè)體工商戶(hù)受到較大沖擊，銀行和保險(xiǎn)機(jī)構(gòu)加大了對(duì)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(chǎng)實(shí)體度過(guò)難關(guān)，中國(guó)工商銀行一季度末普惠貸款余額同比增長(zhǎng)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(yè)新增客戶(hù)中首貸戶(hù)占比約40%。中國(guó)工商銀行副董事長(zhǎng)兼行長(zhǎng)廖林在5月19日的新聞發(fā)布會(huì)上表示，全行小微企業(yè)綜合融資成本較上年下降了60個(gè)基點(diǎn)。

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(fā)生疫情以來(lái)，中國(guó)工商銀行已累計(jì)為26.5萬(wàn)戶(hù)普惠型小微企業(yè)辦理延期還本付息，涉及貸款本金超4000億元。今年以來(lái)，已經(jīng)為3.1萬(wàn)戶(hù)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(shuō)：“工行通過(guò)數(shù)字提能確保資金精準(zhǔn)直達(dá)小微企業(yè)。”

"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(yīng)鏈核心企業(yè)數(shù)據(jù)和信用，我行向上下游小微企業(yè)發(fā)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(nóng)業(yè)、醫(yī)療、物流等行業(yè)數(shù)字供應(yīng)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(zhǎng)兼行長(zhǎng)方合英表示，中信銀行打造了一套契合小微企業(yè)特點(diǎn)的數(shù)字化產(chǎn)品體系。利用供應(yīng)鏈中的大數(shù)據(jù)分析來(lái)評(píng)估小企業(yè)的信用業(yè)績(jī)。

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(duì)處在供應(yīng)鏈上游的生產(chǎn)型小微企業(yè)，中信銀行依據(jù)企業(yè)的訂單數(shù)據(jù)和歷史履約數(shù)據(jù)給予授信。針對(duì)供應(yīng)鏈下游銷(xiāo)售型小微企業(yè)，該行依托企業(yè)真實(shí)的貿(mào)易場(chǎng)景和交易數(shù)據(jù)發(fā)放信用貸款。面向科創(chuàng)類(lèi)企業(yè)，中信銀行基于企業(yè)的技術(shù)優(yōu)勢(shì)、創(chuàng)新能力等大數(shù)據(jù)模型，推出自動(dòng)審批的信用貸產(chǎn)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(fā)布會(huì)上表示，中信銀行允許小微企業(yè)通過(guò)線上化服務(wù)渠道申請(qǐng)信用貸款，通過(guò)智能化風(fēng)控平臺(tái)高效地完成貸款審批和發(fā)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(zhǎng)321億元，小微企業(yè)新增首貸戶(hù)2439戶(hù)，占新投放貸款客戶(hù)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(hù)企業(yè)辦理延期還本付息50多億元，其中大多數(shù)是面臨困難的小微企業(yè)，減少或免除小微企業(yè)和個(gè)體工商戶(hù)的11項(xiàng)服務(wù)費(fèi)。

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(xiàn)反彈，北京防控措施收緊。中國(guó)人保集團(tuán)與北京市朝陽(yáng)區(qū)政府聯(lián)合推出了一款針對(duì)該區(qū)服務(wù)型企業(yè)的保險(xiǎn)產(chǎn)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(guó)人保對(duì)本輪疫情中按照防疫要求暫停經(jīng)營(yíng)的服務(wù)型企業(yè)員工給予每人每天100元賠償，最高賠償期限21天，每家企業(yè)每次停業(yè)事故累計(jì)最高可賠償10萬(wàn)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(guó)人保集團(tuán)副董事長(zhǎng)兼總裁王廷科表示，截至4月底，該保險(xiǎn)累計(jì)覆蓋6.2萬(wàn)家企業(yè)，承保約74萬(wàn)人，陸續(xù)完成約250家企業(yè)、1200余人的賠款支付工作，共計(jì)賠付金額135萬(wàn)余元。

來(lái)源：中國(guó)日?qǐng)?bào)
編輯：董靜