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今年6月,人民银行宣布,针对符合审慎经营要求且小微企业贷款已经达到一定比例的商业银行,下调人民币存款准备金率0.5个百分点。按照“上年新增小微贷款占全部新增贷款比例超过50%,且上年末小微贷款余额占全部贷款余额比例超过30%”的标准,此次“定向降准”将覆盖三分之二的城商行、80%的非县域农商行和90%的非县域农合行。这对小微企业固然是个利好,但商业银
In June of this year, the People’s Bank of China announced that it lowered its RMB deposit reserve ratio by 0.5 percentage point for commercial banks that meet the prudent operating requirements and have already achieved certain proportions of loans to small and micro enterprises. According to the standard of “small and micro loans added in the previous year accounting for more than 50% of all new loans and the balance of small and micro loans at the end of last year accounting for more than 30% of the total loans,” the “targeted RRR” Covering two-thirds of city businesses, 80% of non-county-level rural commercial banks and 90% of non-county-level rural cooperative banks. This is certainly good for small and micro businesses, but commercial silver