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近年来,随着宏观经济下行压力,银行机构支持小微企业贷款的难度和压力也在加大,建议金融监管部门给银行机构更多的政策支持。完善银行机构保证金的保护机制。根据有关法规的规定,人民法院对银行信用证开证保证金、银行承兑汇票保证金不能执行扣划,对银行其他业务类型的保证金能否扣划,目前尚无明确的法律依据。但是,随着银行信贷产品创
In recent years, with the downward pressure on the macro economy, the difficulties and pressures for bank institutions to support small and micro enterprise loans have also increased. It is suggested that the financial regulatory authorities give more policy support to banking institutions. Improve the protection mechanism for bank institutions’ deposits. According to the provisions of the relevant laws and regulations, the people’s courts cannot implement deductions on the bank’s letter of credit opening guarantees and bank acceptance draft deposits, and there is currently no clear legal basis for whether the bank’s other types of business deposits can be deducted. However, with the creation of bank credit products