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1一是增加存贷比指标弹性,改进合意贷款管理,完善小微企业不良贷款核销税前列支等政策,增强金融机构扩大小微、“三农”等贷款的能力。2二是加快发展民营银行等中小金融机构,支持银行通过社区、小微支行和手机银行等提供多层次金融服务,鼓励互联网金融等更好向小微、“三农”提供规范服务。3三是支持担保和再担保机构发展,推广小额贷款保证保险试点,发挥保单对贷款的增信作用。
Firstly, it will increase the elasticity of loan-to-deposit ratio indicators, improve loan management and improve the policies on pre-tax write-off of non-performing loans for small and micro enterprises, and enhance the ability of financial institutions to expand loans to small and micro enterprises and agriculture, rural areas and farmers. 2 The second is to speed up the development of small and medium financial institutions such as private banks, and support banks in providing multi-level financial services through communities, small and micro branches and mobile banking, and encourage Internet finance to better provide standardized services to small and micro enterprises. Thirdly, it supported the development of guarantee and re-guarantee institutions, promoted the pilot of small-sum loan guarantee insurance and played the role of credit guarantee for loans by the policy.