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Huaxia Bank Li Daying: Solve the problem of survival of small and micro enterprises to activate consumption

Huaxia Bank Li Daying: Solve the problem of survival of small and micro enterprises to activate consumption
On May 21st, Sauna Night held the national “Two Sessions Economic Policy” series of salons to rescue small and medium-sized enterprises.The salon focused on the survival status and transformation practice of small and medium-sized enterprises in the epidemic. The guests included members of the National Committee of the Chinese People’s Political Consultative Conference, Zhang Zhanbin, Dean of the Marxist School of the Central Party School (National School of Administration), member of the National Committee of the Chinese People’s Political Consultative Conference, and chairman of the Inner Mongolia Domond Industrial GroupShi Lei, Li Daying, President of Huaxia Bank Beijing Branch, and Hong Bo, Vice President of Jingdong Group.Li Daying said that from the perspective of banks, the problems facing enterprises are very serious.The first is the difficulty of starting construction, the demand has dropped temporarily, and the industrial chain has also been greatly affected.In fact, it is difficult to fund. Quite a lot of enterprises are under great financial pressure. To repay the previous loan, the cash flow in the current period is very tight; the company needs funds for procurement and sales, and at the same time, the demand is declining.Encountered unprecedented funding difficulties.Take the catering enterprise as an example. During the epidemic period, there was no business, but the rent and employees ‘salaries must be maintained. As a result, the enterprise has been unable to make ends meet, and some have closed down.At present, everyone has launched some rescue policies for SMEs.Li Daying said that to solve the survival problems of small and micro enterprises, the source is to activate consumption. Consumers ‘confidence in the future economy is relatively overlapping. In addition, the government has adopted measures such as supplementary consumption coupons in the short term to increase consumer confidence.Supporting consumption has led a great role.At the same time, it is an investment. Li Daying suggested that more projects be used to boost investment. For example, Wuhan adopts an ex-post filing system to greatly accelerate the speed of project landing.From a financial perspective, financial institutions have played an important role in solving the funding difficulties of SMEs.Li Daying introduced the practice of Hua Xia Bank. Hua Xia Bank established a special business department to conduct targeted risk prevention and control of small and micro enterprises such as science and technology, and review risks from the perspective of the industry chain. In terms of renewal of small and micro enterprises,Huaxia Bank launched a five-year annual loan review and other special products.In addition, Huaxia Bank is also actively developing technology finance, relying on AI, blockchain and other technologies to quickly identify corporate risks, so companies can apply for loans in a short time.The above practices all help to solve the financing problems of small and micro enterprises.Sauna, Ye net Gu Zhijuan editor Chen Li proofreading Xue Jingning