和讯网消息 日前，广东银监局发布《关于进一步改进辖内银行机构小微企业金融服务工作的意见》（以下简称《意见》），意见共16条，其中包括商业银行可自行确定小微企业不良容忍度、并鼓励发放单户授信总额100万元以下的小微企业贷款等。

HeXunWang news recently，Guangdong issued by the CBRC《On further improvement within banking institutions small micro enterprise financial service work opinion》（Hereinafter referred to as《opinion》），Opinions of 16，Including commercial Banks can be fixed by the small micro enterprise bad tolerance、And encourage release and the total amount of single letter 1 million yuan of the following small micro enterprise loan, etc。

　　来自广东银监局的统计数据显示，截至2012年6月末，广东辖内（不含深圳）银行业发放小微企业贷款余额8341．88亿元，上半年新增623．25亿元，约占全部新增贷款的20％，高于上年同期水平；同比增长16．12％，实现了小微企业贷款增速不低于全部贷款平均增速目标。

From guangdong province the CBRC figures show，By the end of June 2012，Guangdong within（Do not contain shenzhen）Banking issue small micro enterprise loan balance of 834.188 billion yuan，New in the first half of 62.325 billion yuan，Accounts for about 20% of all new loans，Higher than the same period last year level；Year-on-year growth of 16.12%，Realize the small enterprise loan growth is not less than the average growth target all loans。

　　而本次广东银监局发布的《意见》旨在引导辖内银行业进一步加强改进小微企业金融服务，积极缓解融资难题。

And the guangdong the CBRC release《opinion》Its purpose is to guide then banking further strengthen small micro enterprise financial service improvement，Positive relieve financing problems。

　　银行可自定不良容忍度 The bank for bad tolerance

　　去年以来，国家各部门相继出台政策支持小微企业发展，积极缓解小微企业融资难，而商业银行对其贷款的不良率容忍度问题，全国各地各行均未有一个统一的指导线。

Since last year，State department have issued policy support small small enterprise development，Positive ease small micro enterprise financing，Commercial Banks, the tolerance of defective rate on their loans，People from all around the country are not a united will。

　　今年上半年，上海、深圳两地分别将小微企业不良容忍度提高到5%，而广东银监局在最新的《意见》稿中称，商业银行可自行确定小微企业不良容忍度。

In the first half of this year，Shanghai、Shenzhen micro enterprise bad respectively small tolerance increased from 5% to，And guangdong silver inspect bureau in the latest《opinion》Said in a draft，Commercial Banks can be fixed by the small micro enterprise bad tolerance。

　　《意见》提出，“商业银行对小企业不良率容忍度实行差异化考核”，明确要求辖内法人银行机构结合自身经营实际，确定小微企业贷款不良率容忍度，并报属地监管部门备案，其他银行分支机构也要对本行不良率容忍度的制定情况进行报备。

《opinion》Put forward，“Commercial Banks to small businesses a defective rate tolerance variation assessment”，Clear requirements within banking institutions legal person with your own actual operation，Locate the micro enterprise loan defective rate tolerance，Dependency and reported to the supervision department for the record，Other bank branches to the bank on the formulation of defective rate tolerance report for。

　　与此同时，《意见》加大对小微企业金融服务相关指标的考核权重，从单纯按“业务金额”考核向结合“业务笔数”双重考核转变，进一步完善问责机制，制定小微企业不良贷款免责条款，在尽职合规守法的前提下，适当减轻或免于追究小微企业信贷人员相关责任。

At the same time，《opinion》To increase the enterprise financial services to small weights of evaluation index，From the simple press“Business amount”Assessment to the combination“Business pen number”Double assessment change，Further improve accountability mechanism，Make small micro enterprises disclaimer of bad loans，On the premise of due diligence compliance law-abiding，Appropriately reduced or from the enterprise credit personnel shall be investigated for small related responsibility。

　重点支持新兴、创新性小微企业 Key support emerging、Innovative small micro enterprises

　　除给予银行充分的自主权可自定不良容忍度外，《意见》还包括优化服务布局、创新服务产品、加强流程改造、完善工作机制、加强问题调研、落实差异化监管政策等内容。例如在信贷投向上，要遵循广东省产业转型升级需求，重点支持节能减排、战略新兴产业，支持创新型、创业型和劳动密集型小微企业。

In addition to give the bank full autonomy for the tolerance of the poor，《opinion》Also include optimization service layout、Innovation service products、Strengthen the process reform、Perfect work mechanism、To strengthen the research problem、Implement differentiation regulatory policy, etc。For example in the credit to，To follow the transformation and upgrading of guangdong industry needs，Key support save energy、Strategic new industry，Support innovative、Entrepreneurial type and labor-intensive small micro enterprises。

　　另外，《意见》还指出，要加大对单户授信总额500万元以下小微企业的信贷支持力度，并鼓励发放单户授信总额100万元以下的小微企业贷款。而贷款利率定价要按照小微企业信用等级合理划分利率区间，不能简单地一浮到顶。

In addition，《opinion》Also pointed out that，To intensify the single household credit total 5 million yuan the following small micro enterprise credit support，And encourage release and the total amount of single letter 1 million yuan of the following small micro enterprise loans。And loan interest rate pricing according to the enterprise credit rating small rationally divided interest rates interval，Can't simply a floating ceiling。

　　尽管监管部门给予强力的政策支持，但小微企业贷款的风险仍然不容忽视。

Although regulators give strong policy support，But small micro enterprise the loan risk still nots allow to ignore。

　　此次广东银监局下发的《意见》指出，鼓励银行进行“小额授信调查”。在银企双方客观存在信息不对称的情况下，银行机构可以“小额授信调查”为起点，通过初期业务合作，加强沟通了解，逐渐放大授信额度，助力企业从小发展、做强做大。

The guangdong issued by the CBRC《opinion》Points out that，Encourage Banks“Small credit investigation”。In fact the objective existence of information asymmetry，Banking institutions can“Small credit investigation”As a starting point，Through the initial business cooperation，Strengthen communication and understanding，Enlarge gradually line of credit，Power enterprise from the development、bigger。