八部门:鼓励金融机构聚焦服务业经营主体资金需求,做好首贷、信用贷、中长期贷款支持

智通财经
Sep 28
【八部门:鼓励金融机构聚焦服务业经营主体资金需求,做好首贷、信用贷、中长期贷款支持】《意见》提出,加大服务业信贷支持。鼓励金融机构聚焦服务业经营主体资金需求,做好首贷、信用贷、中长期贷款支持。结合生产性服务业经营特征和生活性服务业运营场景,创新信贷产品和服务供给。健全知识产权等质押融资机制,合理确定质押比率,提升无形资产质押放贷能力。依托融资信用服务平台加强服务业企业信用信息归集共享,完善中小微企业信用画像。增加服务业信贷便利度,优化贷款审批流程,推广主动授信、随借随还贷款模式,满足经营主体灵活融资需求。针对服务业体量小、轻资产等特征,构建覆盖全生命周期的风险评估和差异化定价体系。规范发展助学贷、创业担保贷等信贷产品,提升投资于人的金融服务水平。

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