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While the Banking Regulatory Commission proposed to implement the repayment of loans without repayment, it also said that it is necessary to improve the poor tolerance of small and micro enterprise loans and effectively exert the incentive effect of the “baton” of supervision and evaluation. This shows that the relevant departments have realized that it is necessary for financial institutions to increase the credit supply of small and large enterprises, but also to prevent and control risks, non-performing assets do not rise, and both fish and bear's paws cannot be combined.
 

The policy no longer "both...and wants" is progress, but it should also be guarded that under the incentive of the assessment baton, the bank is too tolerant of small and micro enterprises' bad loans, and sports lending.
 

Cai Hao, a senior researcher at the China Chief Economist Forum, pointed out that in order to reduce the potential risks of small and micro enterprises without repayment of loans, the business decision should be returned to the market, and local governments and regulatory authorities can guide them, but should reduce them. Intervention.
 

The guidance is mainly to reduce small and micro enterprises to break loans, speed up loan approval and lending speed, which is precisely the more urgent needs of small and micro enterprises that have difficulties in operating. While reducing the burden on small and micro enterprises, they should not weaken their financing constraints. For enterprises that meet the conditions for renewing loans, banks should raise their thresholds for renewing loans, such as limiting the number of renewals of enterprises, and not allowing two consecutive years of renewal. The situation arises; appropriately increase the cost of refinancing without repayment, and encourage competent enterprises to repay after normal repayment.
 

In short, without repayment as a policy tool, it can indeed alleviate the financing difficulties of small and micro enterprises, but the problem is also obvious. It is largely an expedient measure when China's financing system and credit system are still not perfect, and large-scale promotion should be cautious.