In 2014, The Central Bank Implemented The Two Direction Of "Targeted Reduction" To Respond Positively To Internet Financial Enterprises.

June 11th, small and medium board B2B Online retailers In order to further alleviate the difficulty of loans for small and micro enterprises and speed up the company's "financial strategy" layout, the company will launch a large-scale recruitment of "small business loan commissioner" plan. Also the central bank recently announced that it will be implemented from June 16th. Directional calibration After that, the first Internet financial enterprise to be openly and actively responded.

It is reported that the recruitment of "small business loan commissioner" in the future will play three roles: Electrical Commissioner, broker, loan officer, business treasure will change the past single training mode, and strive to cultivate compound talents. At present, the company's "financial strategy" is speeding up. During the trial run of Zhejiang, the online financing business has helped many small and medium-sized enterprises to solve the urgent problem. This large-scale recruitment of small business loan officers is mainly a small micro enterprise financing demand strong, more personnel input will help more SMEs solve difficulties and overcome difficulties. Sun Deliang, chairman and CEO of net Sheng business treasure, said.

In June 9th, the central bank announced that it will reduce the RMB deposit reserve ratio by 0.5 percentage points from June 16th. This is the second time since April 25th this year the central bank has carried out targeted reduction. Analysis of the industry said that this move will be good for China's economic capillaries. The central bank said that it should actively use monetary policy tools to vigorously support economic restructuring, especially encourage and guide financial institutions to deploy more credit resources to "three rural" and small and micro enterprises.

Prior to this, the executive meeting of the State Council, held in May 30th, proposed increasing the intensity of "targeted reduction" measures, and appropriately reducing the reserve ratio for the banking financial institutions that meet the needs of structural adjustment and meet the market demand of the "three rural" and small and micro enterprises. Expand support for small and micro enterprises refinancing and special financial debt scale.

The financing difficulty of small and micro enterprises has been a long-standing problem. The state has also attached great importance to it, and has issued relevant policies to alleviate this problem. And in alleviating the financing difficulties of small and medium-sized enterprises, business treasure invested 100 million yuan in 2013 to set up an internet financial platform for small and medium-sized enterprises -- "net Sheng financing", aiming at effectively alleviating the financing difficulties of enterprises through financial innovation. It is reported that enterprises with demand for loans are becoming members of the B2B e-commerce platform after the Internet business. They only need to click on the mouse to submit the loan demand online. After passing the examination and credit by business treasure and banks, a mutual aid group will be established to pay the corresponding margin, and then the professional Guarantee Corporation will take part in the guarantee. The bank can quickly provide enterprises with short-term financing ranging from 500 thousand to 3 million yuan.

In this regard, China Electronic Commerce Qian Haili, assistant analyst at the Internet Finance Department of the research center, believes that the financing products get the short-term financing of banks through numerous customer collection and mutual assistance and proper introduction of professional Guarantee Corporation guarantee, which has better solved the financing difficulties and the risk of mutual insurance chain for enterprises. This has a strong demand for financing for many small and micro businesses, but it lacks sufficient collateral. Compared with the "mutual protection" among enterprises, it has undoubtedly opened up a new world.