It is reported that the Ministry of Industry led by the small business division of standards has been initiated during the year, the criteria for the classification of small businesses after several ministries jointly identified will be formally introduced. This will change the past situation in which the criteria for SMEs are not scientific, resulting in insufficient policy targeting. In order to truly promote small business loans, the CBRC will also introduce new rules for differentiated management of issues such as due diligence and risk tolerance for small business financial services during the year, with the aim of fully supporting small business loans.
Xiao Yuanqi, director of the Banking Supervision Department of the China Banking Regulatory Commission, said on February 23 that in order to allow banks to “dare to lend”, the CBRC will issue the “Guidelines for the Differential Supervision of Small Business Financial Services” during the year, and the non-performing loan ratio and accountability of small enterprises will be When setting a high tolerance, involving a relatively sensitive loan-to-deposit ratio, if the small enterprise's capital demand is strong and the bank's capital supply cannot be met in time, it can be appropriately relaxed in the assessment, but the premise is “risk controllable”. In addition, the China Banking Regulatory Commission will also encourage banks to simplify the loan process and improve loan efficiency; negotiate with relevant departments to win short-term non-performing loans for small businesses and support for pre-tax provisions, so that banks can “lending” and “credit”.
This year, the China Banking Regulatory Commission also put forward more stringent requirements for small business loans. In 2010, the growth rate of small business credits of various banking financial institutions should be guaranteed not less than the growth rate of all loans. The increase in credit supply should be guaranteed not lower than Last year. To ensure that the effective needs of small businesses must be met. If the requirements are not met, the CBRC may take corresponding measures in the future market access and regulatory differentiation. According to industry insiders, under the circumstances that the new credits for the whole year have dropped by 2 trillion yuan compared with last year, small business loans still have to adhere to "two not less than", and the difficulty and pressure are great.  

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