疫情冲击下提升信贷供给对策研究——基于家庭消费和小微企业视角

Study on the Countermeasures to Enhance Credit Supply under COVID-19——from a perspective of household consumption and SMEs

新冠肺炎疫情蔓延对经济发展产生不利影响,小微企业经营和家庭部门消费受到冲击,提升信贷支持力度有助于从微观层面提振供给与需求主体,畅通国内循环带动经济复苏。文章分析了疫情冲击下信贷需求和供给的阶段性与结构性特征,疫情冲击下强化信贷供给的理论依据,观察疫情冲击下经济短期增长依靠消费和先行解除管控国家应对疫情冲击的政策经验和行业发展呈现的新趋势,提出我国的相应对策。研究发现,疫情后信用信息融合是提高信贷供给水平的关键,科技在信贷供给中的重要性提升,商业和服务模式加速创新。文章从强化政策工具创新、完善替代数据征信制度、支持金融机构灵活创新服务以及支持金融科技创新生态发展等方面提出具体对策建议。

The spread of COVID-19 has had a negative impact on economic growing.The operation of SMEs and consumption in household sectors have also been impacted.Improving credit support will be helpful for boosting both supply and demand entities at the micro level,unblocking the domestic cycle,and driving the economic recovery.This study analyzes the phased and structural characteristics of credit demand and supply under the impact of the pandemic,and the theoretical basis for improving credit supply under the impact,observes the policy experience and new industry trends in countries in which short-term economic growth relies on consumption or removed non-pharmaceutical interventions.It is studied that after the epidemic,using alternative data is the key to improving the level of credit supply.the importance of fintech lending has increased,and business and service models have been innovated faster.This paper puts forward specific countermeasures and suggestions from the following aspects:1)strengthening the innovation of policy tools,2)perfecting the credit investigation system of alternative data,3)supporting traditional financial institutions to optimize customer group strategy and service innovation,4)supporting the ecological development of fintech innovation.