中(zhong)(zhong)證網訊(xun)（記者 歐陽劍(jian)環）中(zhong)(zhong)國證券報(bao)記者8月3日獲悉，中(zhong)(zhong)國財富管(guan)理50人論壇（CWM50）日前由學術總顧問(wen)(wen)吳曉靈牽(qian)頭完成的《深化中(zhong)(zhong)小銀(yin)行(xing)改革，提升服務小微企業(ye)質效(xiao)——當前中(zhong)(zhong)小銀(yin)行(xing)面(mian)臨的主要(yao)問(wen)(wen)題與對策建議》建議，推進中(zhong)(zhong)小銀(yin)行(xing)改革，完善治(zhi)理體(ti)系，提高內控(kong)水平(ping)，增強風控(kong)和盈(ying)利能力。

　　CWM50課題組(zu)圍繞深化(hua)(hua)中小(xiao)(xiao)(xiao)銀行(xing)改(gai)革(ge)、提(ti)升服(fu)務小(xiao)(xiao)(xiao)微(wei)(wei)企業(ye)質效組(zu)織了(le)專題調研(yan)。調研(yan)發(fa)現(xian)，當前中小(xiao)(xiao)(xiao)銀行(xing)在小(xiao)(xiao)(xiao)微(wei)(wei)金融服(fu)務領域(yu)面臨的主要困(kun)難包括：第(di)一，中小(xiao)(xiao)(xiao)銀行(xing)息差收窄(zhai)，利潤空(kong)間受到(dao)擠(ji)壓，現(xian)金流狀況惡(e)化(hua)(hua)，經營風(feng)險上升；第(di)二，部分(fen)地區中小(xiao)(xiao)(xiao)銀行(xing)難以獲(huo)得(de)足(zu)(zu)(zu)夠的小(xiao)(xiao)(xiao)微(wei)(wei)企業(ye)客戶，市場競爭較(jiao)(jiao)為激烈；第(di)三，中小(xiao)(xiao)(xiao)銀行(xing)資(zi)本(ben)不足(zu)(zu)(zu)問題較(jiao)(jiao)普(pu)遍，資(zi)本(ben)補充較(jiao)(jiao)困(kun)難；第(di)四，中小(xiao)(xiao)(xiao)銀行(xing)獲(huo)得(de)小(xiao)(xiao)(xiao)微(wei)(wei)企業(ye)大(da)數據以及場景入口的成本(ben)較(jiao)(jiao)高，用于(yu)支持(chi)獲(huo)客和風(feng)控(kong)的數據來源不足(zu)(zu)(zu)。

　　在開展小(xiao)微金融服務(wu)方(fang)(fang)面(mian)，中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)比較集中(zhong)和普遍地提(ti)出以下訴求(qiu)：第一，從監管(guan)(guan)方(fang)(fang)面(mian)為中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)補充(chong)資(zi)(zi)本提(ti)供更加便(bian)利(li)的(de)(de)(de)(de)條件，包括提(ti)高(gao)審(shen)批效率(lv)，進行(xing)(xing)(xing)工具創新，調整股東資(zi)(zi)格、持股比例要求(qiu)等；第二，對(dui)中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)階段(duan)性地實施差(cha)異化、逆周期監管(guan)(guan)；第三，對(dui)中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)在小(xiao)微金融服務(wu)方(fang)(fang)面(mian)的(de)(de)(de)(de)業(ye)(ye)務(wu)創新給予適當(dang)鼓勵和包容；第四，獲得平(ping)等的(de)(de)(de)(de)金融公共基礎設施準入(ru)待(dai)遇(yu)，比如在小(xiao)微企業(ye)(ye)政(zheng)務(wu)大數據的(de)(de)(de)(de)獲取方(fang)(fang)面(mian)能(neng)夠與大型銀(yin)(yin)行(xing)(xing)(xing)享受相同待(dai)遇(yu)；第五，中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)的(de)(de)(de)(de)小(xiao)微貸(dai)款成(cheng)本較高(gao)，希望能(neng)提(ti)高(gao)對(dui)中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)小(xiao)微企業(ye)(ye)貸(dai)款利(li)率(lv)的(de)(de)(de)(de)容忍度；第六，提(ti)高(gao)對(dui)小(xiao)微企業(ye)(ye)貸(dai)款不良(liang)率(lv)的(de)(de)(de)(de)容忍度，拓寬中(zhong)小(xiao)銀(yin)(yin)行(xing)(xing)(xing)不良(liang)資(zi)(zi)產處置渠道。

　　針對(dui)深化(hua)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)改(gai)革、提(ti)(ti)升服務(wu)(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)質效，課題組提(ti)(ti)出九個政(zheng)策(ce)(ce)建(jian)議：第(di)一(yi)，從(cong)戰略(lve)上明確(que)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)服務(wu)(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)的(de)(de)(de)(de)重要(yao)地(di)位，對(dui)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)提(ti)(ti)供更(geng)(geng)大(da)(da)支(zhi)(zhi)持(chi)。保(bao)持(chi)市(shi)場流動(dong)(dong)(dong)性(xing)合(he)(he)理(li)充裕，維護中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)流動(dong)(dong)(dong)性(xing)，便利(li)(li)(li)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)融(rong)資(zi)。暢通(tong)流動(dong)(dong)(dong)性(xing)傳導渠道，讓(rang)貨(huo)幣政(zheng)策(ce)(ce)工(gong)具能(neng)夠更(geng)(geng)加(jia)(jia)直接通(tong)達中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)。推(tui)動(dong)(dong)(dong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)信貸(dai)資(zi)產證(zheng)券化(hua)。支(zhi)(zhi)持(chi)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)發(fa)(fa)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)永(yong)續債(zhai)、紓困專(zhuan)項債(zhai)等(deng)(deng)。從(cong)稅收方(fang)面階段性(xing)地(di)給(gei)予中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)一(yi)定的(de)(de)(de)(de)減免(mian)。根據(ju)(ju)疫情演化(hua)狀況延(yan)長直達實體經濟的(de)(de)(de)(de)政(zheng)策(ce)(ce)工(gong)具的(de)(de)(de)(de)期限。研究建(jian)立(li)(li)(li)(li)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)貸(dai)款(kuan)風險出表或風險共(gong)擔的(de)(de)(de)(de)機(ji)制。允許(xu)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)在(zai)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)貸(dai)款(kuan)利(li)(li)(li)率方(fang)面與(yu)大(da)(da)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)有所(suo)差(cha)異(yi)(yi)。改(gai)進銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)考(kao)核(he)辦(ban)法(fa)，提(ti)(ti)高銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)自主權。第(di)二，建(jian)立(li)(li)(li)(li)內外部激(ji)勵(li)機(ji)制，約(yue)束中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)立(li)(li)(li)(li)足本(ben)職。中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)要(yao)明確(que)自身(shen)定位，更(geng)(geng)好(hao)地(di)服務(wu)(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)。要(yao)利(li)(li)(li)用好(hao)考(kao)核(he)的(de)(de)(de)(de)“指(zhi)揮棒(bang)”作(zuo)用，從(cong)內部和(he)(he)(he)(he)(he)外部兩個方(fang)面建(jian)立(li)(li)(li)(li)差(cha)異(yi)(yi)化(hua)的(de)(de)(de)(de)、有效的(de)(de)(de)(de)激(ji)勵(li)機(ji)制和(he)(he)(he)(he)(he)約(yue)束機(ji)制，鼓(gu)勵(li)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)支(zhi)(zhi)持(chi)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)。第(di)三，提(ti)(ti)高中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)資(zi)本(ben)補充工(gong)具的(de)(de)(de)(de)審批效率，創新資(zi)本(ben)補充工(gong)具，拓(tuo)寬銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)股東范(fan)圍。第(di)四(si)，增(zeng)(zeng)強(qiang)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)利(li)(li)(li)用金(jin)融(rong)科(ke)技(ji)手段服務(wu)(wu)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)的(de)(de)(de)(de)能(neng)力(li)。建(jian)議對(dui)大(da)(da)數(shu)(shu)據(ju)(ju)治(zhi)理(li)進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)頂(ding)層設計，由央行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)牽(qian)頭建(jian)立(li)(li)(li)(li)統一(yi)的(de)(de)(de)(de)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)信息服務(wu)(wu)平臺。支(zhi)(zhi)持(chi)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)加(jia)(jia)大(da)(da)金(jin)融(rong)科(ke)技(ji)投(tou)入和(he)(he)(he)(he)(he)研發(fa)(fa)。規范(fan)和(he)(he)(he)(he)(he)支(zhi)(zhi)持(chi)商業(ye)(ye)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)(he)(he)數(shu)(shu)據(ju)(ju)公(gong)(gong)司、金(jin)融(rong)科(ke)技(ji)公(gong)(gong)司的(de)(de)(de)(de)合(he)(he)作(zuo)。第(di)五，推(tui)進中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)改(gai)革，完善治(zhi)理(li)體系，提(ti)(ti)高內控水(shui)平，增(zeng)(zeng)強(qiang)風控和(he)(he)(he)(he)(he)盈(ying)利(li)(li)(li)能(neng)力(li)。利(li)(li)(li)用政(zheng)府注資(zi)補充銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)核(he)心資(zi)本(ben)的(de)(de)(de)(de)契機(ji)推(tui)動(dong)(dong)(dong)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)治(zhi)理(li)體系改(gai)革。搭建(jian)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)各(ge)級管(guan)理(li)人員教(jiao)育(yu)培訓平臺，提(ti)(ti)高中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)管(guan)理(li)團隊的(de)(de)(de)(de)專(zhuan)業(ye)(ye)素質和(he)(he)(he)(he)(he)業(ye)(ye)務(wu)(wu)水(shui)平。對(dui)于一(yi)些服務(wu)(wu)能(neng)力(li)差(cha)、經營風險高的(de)(de)(de)(de)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)，探索通(tong)過合(he)(he)并(bing)、并(bing)購等(deng)(deng)方(fang)式進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)整合(he)(he)。第(di)六，加(jia)(jia)強(qiang)大(da)(da)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)和(he)(he)(he)(he)(he)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)合(he)(he)作(zuo)，發(fa)(fa)揮各(ge)自優勢，避免(mian)惡(e)性(xing)競爭(zheng)。第(di)七，鼓(gu)勵(li)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)創新業(ye)(ye)務(wu)(wu)模(mo)式，推(tui)動(dong)(dong)(dong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)企(qi)業(ye)(ye)金(jin)融(rong)服務(wu)(wu)模(mo)式多(duo)樣(yang)化(hua)，發(fa)(fa)展(zhan)訂單貸(dai)、確(que)權貸(dai)等(deng)(deng)。第(di)八(ba)，提(ti)(ti)高小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)微(wei)(wei)金(jin)融(rong)政(zheng)策(ce)(ce)支(zhi)(zhi)持(chi)的(de)(de)(de)(de)覆蓋面和(he)(he)(he)(he)(he)精準度。第(di)九，對(dui)部分媒體針對(dui)中(zhong)(zhong)小(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)(xiao)銀(yin)(yin)(yin)(yin)(yin)行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)的(de)(de)(de)(de)“污名化(hua)”行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)為進行(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)(xing)整治(zhi)。