Daily News (Reporter Meng Xia) in the call of the

Daily News (Reporter Meng Xia) in the call of the regulatory and support of the past, often commercial banks neglected the small micro-enterprise is now ushered in the credit spring. The central bank yesterday released the first quarter of 2012 loans from financial institutions to invest in the statistical report shows that a quarter of small micro-enterprise loans grew 20.5%, exceeding the average level of corporate loans.

According to Central Bank data, the first quarter of this year, China's financial institutions, new RMB loans 2.46 trillion yuan, an increase of 216.9 billion yuan. As of the end of March, the financial institutions to put in RMB business loans totaled 37.24 trillion yuan, an increase of 15.2%. Small micro-enterprise loan growth is the most fierce, as at the end of March, a small micro-enterprise loans totaled 10.38 trillion yuan, an increase of 20.5 percent, 5.3 percentage points higher Hot Keyboard than all corporate loans over the same period, large and medium-sized loans, respectively, 8.6 and 6 percentage points.

Chief economist Lu political commissar, said funds to support efforts to strengthen small and micro enterprises has become this year one of the priorities of credit policy, regulatory agencies this year for micro-small enterprises increased by a new assessment of not only requires commercial banks to small micro-enterprise loan growth above average, the proportion of small micro-enterprises should also increase. "But the overall growth rate of the full year a small micro-enterprise be able to maintain the level of the first quarter, is hard to determine with the large corporate loan demand pick up, put in the amount of small micro-enterprise will be subject to certain suppressed; In addition, if some parts of small micro-enterprise The operation encountered greater difficulties in loan demand will weaken. "

Although the Government has introduced a series of supportive policies to help small businesses ride out the storm, but the actual situation, the crack of small micro-enterprise financing bottleneck is still non-overnight. According to the CBRC estimates, China's bank loans mainly be devoted to large and medium-sized enterprises, large corporate lending 100% coverage, 90 percent medium-sized companies, small businesses only 20%, accounting for micro-enterprises lower.

Chief economist Lian Ping, crack the financing difficulties of small and micro enterprises need to start from the root cause, you should plan to set up small micro-enterprise specialized financial system, including policy banks, a large number of small commercial banks. Survival and development of thousands of small loan companies, the establishment of strict normative standards, they escalate into a small commercial banks to provide financing services for small and micro enterprises.

The field of small micro-enterprise credit "in full swing" scene opposite, the growth rate of real estate loans continued to drop. At the end of March, the real estate loan balance of 11 trillion yuan, an increase of 10.1 percent, 3.8 percentage points lower than the previous year; the first quarter increased by 242.7 billion yuan, up by 281.2 billion yuan, a quarterly increase, representing loans during the same period increased amount of 10.2%, lower than last year level by 7.3 percentage points; individual purchase loans of 7.3 trillion yuan, an increase of 12.1 percent, 3.5 percentage points lower than the previous year; the first quarter increased by 157.4 billion yuan, an increase in 1757 less billion. Real estate loans, affordable housing loans only significant increase, as of the end of March, the affordable housing development loan balance of 430.6 billion yuan, an increase of 63.7 percent in the first quarter increased by 39.1 billion yuan, accounting for the same period, real estate development loans rose 47.1 percent lower than last year by three percentage points.