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近年来,我国小微企业贷款发展迅猛。数据显示,2011年全年小微企业贷款余额达15万亿元。其中,小企业贷款10.8万亿元,连续三年实现了增速不低于全部贷款平均增速、增量不低于上年同期的“两个不低于”目标。人民银行、银监会一直将小微企业金融服务作为一项重点工作来推进。2011年,针对小微企业融资的突出问题,银监会出台了“银十条”及其补充通知,提出了具体的差异化监管和激励政策,激发银行业服务小微企业的内在动力。同时,国家有关部委、地方各级政府和社会各界都对小微企业金融服务给予了大力的支持。
In recent years, China’s small and micro enterprise loans have developed rapidly. Data show that in 2011 the entire small and micro enterprise loan balance of 15 trillion yuan. Among them, small business loans 10.8 trillion yuan, for three consecutive years to achieve growth not less than the average growth rate of all loans, not less than the same period last year’s “two not less than” target. The People’s Bank of China and the China Banking Regulatory Commission have been pushing the financial services for small and micro enterprises as a key task. In 2011, in light of the outstanding issues of financing for small and micro enterprises, the CBRC promulgated the “Silver Ten” and its supplementary notice, and put forward specific differentiated supervision and incentive policies to stimulate the banking industry’s intrinsic motivation to serve small and micro enterprises. In the meantime, relevant state ministries and commissions, local governments at various levels and all walks of life in the society have given vigorous support to the financial services of small and micro enterprises.