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为切实加强和改善对中小型企业的金融服务,中国人民银行最近出台了《关于加强和改进对中小企业金融服务的指导意见》,共10顶内容,将小企业贷款条件放宽。主要内容如下: ——设置小企业档案和项目储备等;借鉴国外信用评分办法,将小企业资金与小企业经营者个人信用相结合发放贷款。——及时完善授信制度,合理确定县级行贷款审批权限,适当扩大授信额度,并可试办非金融担
In order to effectively strengthen and improve financial services to small and medium-sized enterprises, the People’s Bank of China recently issued the Guiding Opinions on Strengthening and Improving Financial Services to SMEs, with a total of 10 contents and relaxed the conditions for small business loans. The main contents are as follows: - Set up small enterprise archives and project reserves; and draw lessons from foreign credit scoring methods, and loan small-business funds in combination with personal credit of small business operators. - Improve the credit system in a timely manner, reasonably determine the authority of examination and approval of loans at the county level, appropriately increase the credit line, and try the non-financial burden