First, the results of "reducing fees and making profits" have been achieved.
Affected by the epidemic, in recent years, the regulatory authorities have continued to implement the policy of reducing fees and making profits in the real economy, and achieved great results. Guo Wuping said that in 2020, the bank's fee reduction and profit rate will increase by 40% compared with 20 19. The CBRC has comprehensively promoted measures to reduce fees and make profits by introducing policies and systems, strengthening supervision and inspection, and strengthening market constraints through public exposure. After this adjustment, the inter-bank cash withdrawal fee standard for ATMs in the same city will be lowered to no more than 3.5 yuan per transaction; Cancel the variable fees charged according to a certain proportion of the cash withdrawal amount, and the fixed fees are consistent with the business standards in the same city. After the implementation of 1030 10, the handling fee of ATM inter-bank cash withdrawal has dropped significantly, the business in the same city has dropped by more than 10%, and the large-value business in different places has dropped by more than 80%. According to preliminary calculation, it is estimated that the annual fee reduction and profit-making scale will be about 4 billion yuan. The data shows that as of the end of May 20021,the loan balance of Pratt & Whitney small and micro enterprises was 17. 1 trillion yuan, with a year-on-year growth rate of 30.5%, which was higher than the growth rate of various loans 18.8 percentage points. The loan balance was 28.634 million, an increase of 5.707 million year-on-year.
Second, what should banks do to reduce fees and make profits?
First of all, financial institutions should have a correct attitude, fully realize the importance of reducing fees and profits, and cannot simply use enterprises to reduce their burdens to oppose bank profits. The relationship between financial institutions and the real economy is glorious, not a trade-off. The profits of banks are affected by many factors, and reducing the burden on enterprises does not necessarily lead to a decline in profits. Secondly, the headquarters of financial institutions should attach great importance to it and formulate a number of policies and measures to ensure that fee reduction and profit-making take root. Among them, it is necessary to focus on adjusting the performance appraisal indicators of grass-roots units so as not to put grass-roots personnel in a dilemma. Finally, the grass-roots units of financial institutions should strictly implement the requirements of their superiors. In the process of business promotion, we should actively inform enterprises what preferential policies they can enjoy, what fees can be reduced and how to reduce them, and seriously assist enterprises to complete fee reduction and exemption, so that good policies can really benefit Huize real economy.
To sum up, although the social benefits of promoting financial institutions to reduce fees and make profits are enormous, as profit-making enterprises, driven by performance appraisal, the grass-roots units of financial institutions sometimes "lose interest" in reducing fees and making profits, and even "play tricks" to avoid making profits, so we can't let the measures for benefiting the people "go wrong" in the implementation process.