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银税互动对缓解小微企业融资难、融资贵发挥了积极作用,但目前银税合作仅限于融资领域,银行还未能有效运用小微企业周期性的纳税信息,挖掘小微企业的理财、结算等其他服务需求并提供全方位的金融服务。自海南辖内推广银税互动以来,对改进金融服务、缓解小微企业融资难、促进小微企业依法纳税发挥了积极作用。截至2016年8月末,银税互动类贷款累计发放374笔、5.64亿元,有力地支持了小微企业的发展。但在探索实践中,仍存在信息推送渠道不完善,纳税结果运用率较低,银税合作形式相对单一,风险补偿机制有待建立等问题
The interaction between bank and tax has played an active role in alleviating the financing difficulties and financing of small and micro enterprises. However, the cooperation between bank and tax is limited to the financing field at present. Banks have not been able to effectively use the periodic tax information of small and micro enterprises to tap wealth management of small and micro enterprises, Settlement and other service needs and provide a full range of financial services. Since the promotion of silver-tax interaction within the jurisdiction of Hainan Province, it has played an active role in improving financial services, alleviating the financing difficulty of small and micro-enterprises, and promoting the tax payment by small and micro-enterprises according to law. As of the end of August 2016, a total of 374 loans and 564 million yuan of silver tax interactive loans have been issued, effectively supporting the development of small and micro enterprises. However, in the course of exploration and practice, there are still some problems such as the imperfect channel of information push, the low utilization rate of tax results, the relatively simple form of cooperation between bank and tax, and the risk compensation mechanism to be established