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分享数据共享征信尽职免责
防控风险稳妥推进
为持续提升小微企业金融服务质效,2017年银监会下发《关于做好2017年小微企业金融服务工作的通知》,要求积极落实续贷政策,并明确银行业金融机构可根据自身风险管控水平和信贷管理制度,自主决定办理续贷业务的范围。所以,并非所有小微企业都能获得续贷支持。
“流转贷重点支持制造业领域小微企业的转贷需求。”钱海天说,商贸流通业审慎开展,固定资产、消费用途以及建筑行业贷款等不属于流转贷范围。
出于风控考虑,在具体实践中,银行从经营状况、征信以及担保等多个方面设定续贷标准和条件。比如,海安农村商业银行要求小微企业需符合国家产业政策,主业突出,经营稳定,财务状况良好,在原贷款期限内未发生欠息、挪用贷款等不良记录,经征信系统查询无重大违约和违规行为等记录,且贷款担保有效等。有的银行还关注小微企业主有无不良嗜好以及是否涉及民间借贷和诉讼等。
“所以,如果银行发现小微企业有逃废债务或恶意欠息,资不抵债、濒临破产,贷款担保已出现如抵押物实际价值下降等对贷款偿还产生不利影响的情况,将停止办理续贷业务。”某银行人士说。
对于今后如何引导银行进一步推进小微企业续贷业务,朱广德说,江苏银监局将引导辖内银行机构加强银行业务与大数据的融合,充分利用电子商务、征信系统以及其他各类信用信息平台,获取较全面的小微企业客户信息,减少信息不对称,在加强风险管控前提下,持续扩大续贷业务应用范围。同时,推动小微企业授信尽职免责工作的贯彻落实,要求辖内银行机构在制度层面、考核机制以及尽职免责制度中真正落实差异化的小微企业贷款不良容忍度,激励和保护基层机构和人员的积极性。
重庆银监局相关负责人说,未来在提高小微企业续贷效率方面,重庆银监局将引导银行业金融机构在有效防控风险的前提下,将信贷业务审批权合理下放支行,缩短审批层级和链条;针对放款环节的抵押办理耗时长问题,鼓励扩大押品内部评估范围,减少第三方评估耗时。
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