Taking advantage of the new economy, inclusive finance will help you sail smoothly!China Guangfa Bank releases research report on inclusive finance

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　　Recently, China Guangfa Bank and Caixin Think Tank jointly released the “Research Report on Inclusive Finance for Small and Micro Market Entities in the New Economic Environment”, which analyzes the current operating conditions and financial needs of small and micro market entities based on the analysis of the macro environment and meso-level industry trends. The research has been conducted, and its conclusions may help the industry gain insight into the situation.

　　Business trends and capital needs of small and micro market entitiesFeatures

　　This survey is based onThe country’s relatively developed new economy12city ​​as the scope, covering new economy manufacturing, new economy service industry and traditional service industry, with small and micro market entitiesFor the sample,Constructed7health indicatorsto measure itsdaily operating status,commonRecycle2997valid questionnaire.The main research conclusions include:

　　From offline to online, small and micro market entities are in good health.

　　The industries of the new economy have shown good growth potential. Small and micro market entities are embracing new business formats and actively adapting to social changes in different ways in the digital economy era.The overall health of small and micro market entities is good,Although there is a certain amount of cash flow pressure, the overall operation is relatively stable.smoothoptimistic about future development.The business channels of small and micro market entities are gradually shifting online,compared to2014annual survey data,10Years“Only rely on offline physical operations“The proportion of81%significantly reduced to5.5%.

　　There is a large demand for short-term small amounts, and new business entities are more willing to lend..

　　In recent years, the new economy has had an impact on the development of small market entities at multiple levels. This survey found that the funding needs of small and micro market entitiesPresenting the followingFeatures:One isThe demand for new business loans in the service industry is strong.48.6%of market operating entities will consider applying for loans in the future, and the willingness of operating entities in new business formats to borrow is nearly higher than that in older businesses.10%.two isShort-term capital turnover is still the main use of small and micro enterprise loans.The main purpose of loans from market operating entities is short-term capital turnover, accounting for70.4%.The third isThe capital needs of most small and micro market entities are small demands.Based on your own business needs,76.1%The market business entity plans to apply for a loan amount of70Within ten thousand yuan,in42.3%The planned loan amount is30Within ten thousand yuan.

　　bankforFirst choicechannelnew business entities prefer online loans.

　　The bank is82.4%The preferred loan channel for small and micro market entities.compared to2014Year only68%of small and micro entities choose banks as their preferred financing channel. Today, banks’ acceptanceSignificantlyimprove.Business entities in new business formats prefer online loans, and new business formats in the wholesale and retail, accommodation and catering industries can accept higher loan interest rates.Respectively42.9%and34.0%Operators of new wholesale and retail, accommodation and catering businesses can accept5%The above loan interest rates are higher than the corresponding sample proportion in the old format (33.9%and29.1%).

　　In the new era, banks have great potential to do a good job in inclusive finance.

　　2023The Central Financial Work Conference pointed out that it is necessary to do a good job in technology finance, green finance, inclusive finance, pension finance, and digital finance.“Five big articles“. As a banking financial institution under the inclusive financial system,dedicated toMake five major articles synergistic with each other,Promote and serve the high-quality growth of the new economy and new business formats, and develop new quality productivity.

　　Taking China Guangfa Bank as an example, China Guangfa Bank has been actively implementing the decisions and arrangements of the Party Central Committee, resolutely doing a good job in financial services for the real economy, financial services for rural revitalization, etc., and effectively doing a good job in inclusive finance.

　　Specifically,By promoting the innovation and promotion of online standardized products, improving the application efficiency of offline standardized products, innovatively creating payment and settlement products for small and micro enterprises, and formulating regional characteristic innovation plans, China Guangfa Bank has strengthened the innovation of inclusive financial products and gradually formed a complete Small and micro enterprise financial service product system.As of2024Yearfirst quarterAt the end of the year, Guangfa Bank’s inclusive small and micro enterprise loan balance exceeded1850billion, serving small and micro enterprise customers for over12Ten thousand households, the balance of agricultural-related loans exceeds1800billion.

　　In the next step, China Guangfa Bank will continue to further promote the digital transformation of inclusive finance, enhance its professional capabilities in serving small and micro enterprises, improve the quality and efficiency of services for characteristic customer groups and key areas, and provide efficient, convenient and affordable services to continue to stimulate the endogenous development momentum of small and micro enterprises. financial support.

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