Systemic reform of the financial system by enhanced building

And other reforms, banks active in promoting the comprehensive reform and improve the corporate governance structure, strengthen the building of information technology, and strengthen loan management, increasing the intensity of supervision and inspection, and so have achieved fruitful results, credit unions also made a new reform Try, but the building of the financial system, not to drink wine when the ceremony. The poor quality of credit assets with the problem of SME loans (referred to as the "dilemma") still coexist, and also very prominent. The fundamental problem is the financial system problems. We can not say no intentions of the financial system, but are limited to financial enterprises of their own, while ignoring the financial system of the building. The difficulty of this issue is that we have not formed a consensus. Although the reform of the banking shares would help to solve these two problems, but no substitute for reform of the shares of the financial system, it will be difficult to effectively address these two issues. Because the financial assets of poor quality and difficult to lend to SMEs is not just a bank's management problems, nor is it purely a technical problem, but with the issue of universality, the final analysis, the mechanism is the financial system defects. Financial system is a systems engineering project. Including the ideological, organizational setup, systems administration, business operations, after the supervision and credit institutions, the security system and establishing a social credit system, and so on, we need一环扣一环, Central, Central clasped If one of the missing Link, it will cause mechanism is not sound, running non-conforming, should inevitably missed. Systematic building of the goals is to solve the "dilemma". In two major problems, poor quality of credit assets have reached a consensus, but the difficult loans to SMEs awareness of the problem is still not complete reunification. July 8th Shanghai International Convention Center from China Europe International Business School, China's Financial Research Center of Qinghua University, the Massachusetts Institute of Technology Sloan School of Management sponsored by the "International Year of China's financial", the People's Bank of China Zhou Xiaochuan Governor said that "the world's few countries that as China's commercial banks, providing liquidity to loans to such a high proportion of course, is the high proportion of problems left over from history." He added, "The current domestic financial Institutions to meet the SME loan rate is not low. " Members also complained about the 'SME lending difficult,' This is mainly because a lot of SME loans can not know the requirements, such as no third-party guarantee, which did not apply for a loan. "This shows that China's SME loan difficult issues, the financial sector and corporate awareness among not only the gap, there are practical problems. In order to make analysis to be more targeted, more convincing, we may wish to lend to SMEs of the difficulty in re-point pen and ink, for further analysis to prove that the "dilemma" problem did exist.