Since Kunming successfully declared the central financial support for inclusive finance development demonstration zone in May, 2022, the municipal financial department has actively explored the effective mode of financial support for inclusive finance’s development, played the role of financial funds to benefit enterprises and benefit the people, guided inclusive finance to increase service, expand coverage, reduce costs and increase efficiency, effectively alleviated the financing difficulties, expensive financing and slow financing of small and micro enterprises, and opened up the "last mile" of financial flowing water flowing to the real economy.
First, increase policy propaganda and do a good job in "incremental" articles.Through various channels, such as physical outlets, online channels, WeChat WeChat official account, entering communities, enterprises and industrial parks, the market awareness rate of the policy products of "Kunyi Loan" and "Finance Park Helping Enterprises Loan" will be improved. As of September, about 3,000 small and micro enterprises in the city have been included in the "Kunyi Loan" white list, and nearly 1,600 small and micro enterprises have been granted credit, with a cumulative credit amount of 4.3 billion yuan, and 1,180 small and micro enterprises have been granted "Kunyi Loan" and "Caiyuan Enterprise Loan", with a cumulative loan amount of 3.1 billion yuan.
Second, finance and finance should work in the same direction and do a good job in "expanding the face".In conjunction with the Municipal Finance Office, the Municipal Bureau of Industry and Information Technology, financial institutions and government financing guarantee institutions, we will carry out research on the construction of inclusive finance Development Demonstration Zone, achieve full coverage of research in 19 regions of the city (including Central Yunnan New District), attract more financial institutions to participate in the construction of inclusive finance in Kunming, and help counties and districts deepen their understanding and vigorously develop the real economy.
Third, using the discount subsidy policy, do a good job in inclusive finance’s "cost reduction" article.Make full use of the "discount+subsidy" policy combination boxing, greatly mobilize financial institutions and government financing guarantee institutions to promote the enthusiasm of inclusive finance, take the initiative to make profits to market players, stimulate market vitality, and let enterprises go into battle lightly. As of September, 13 million yuan of financial discount subsidy funds have been distributed to 1180 small and medium-sized enterprises in the city, effectively reducing the financing costs of enterprises and allowing enterprises to go into battle lightly.
Fourth, give play to the guiding role of the government, and do a good job in inclusive finance’s article on "increasing efficiency".With the further improvement of Kunming’s financial service guarantee system, the improvement of service level and the continuous optimization of business environment, the effectiveness of inclusive finance’s policies has been continuously improved. As of September, the balance of Pratt & Whitney small and micro loans in Kunming was 122.783 billion yuan, up 27.51% year-on-year, the number of Pratt & Whitney small and micro loans was 306,200, up 4.29% year-on-year, and the balance of Xiaowei enterprise credit loans was 115.427 billion yuan, up 44.73% year-on-year. The average interest rate of new loans for Pratt & Whitney small and micro enterprises was 5.24%, down by 0.55 percentage points compared with the same period of last year.
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