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中銀保監:嚴禁為挪用於非生產經營用途貸款辦理續貸
中國銀保監會發布《關於2023年加力提升小微企業金融服務質量的通知》指出,銀行業金融機構要開發小微企業續貸專門產品或完善現有產品續貸功能,原則上小微企業流動資金貸款產品和小微企業主、個體工商戶中短期經營性貸款產品都應具備續貸功能。 同時,合理確定該行續貸條件,嚴禁為挪用於非生產經營用途的貸款辦理續貸,不得用續貸掩蓋信用風險。銀行業金融機構通過地方政府設立的應急轉貸資金向生產經營正常、信用狀況良好的小微企業提供接續融資,可比照小微企業續貸業務進行風險分類。 該通知明確2023年全年工作目標為:形成與實體經濟發展相適應的小微企業金融服務體系,總體繼續保持增量擴面態勢,優化服務結構,提升重點領域服務精準度,拓展保險保障渠道。貸款利率總體保持平穩,推動小微企業綜合融資成本逐步降低。
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