The 2021 government work report puts forward specific requirements for commercial banks, guiding them to increase credit loans and first-time loans, and promote the pay-as-you-go lending model. To complete the annual mission, commercial banks need to further reform their credit management model, innovate access methods and risk control management methods, and receive more active guidance and inclusive support from regulatory agencies.Continue to strengthen the construction of credit environment and business environment1. The government should take the lead to further improve the enterprise credit system.2. Continuously optimize the business environment.Further improve the modern financial supervision system in the new era3. Regulators should give more flexible risk tolerance to commercial banks and guide them positively.4. Regulators should actively and steadily prevent and resolve financial risks.Innovatively address government report requirements with precision5. Treat credit risk as entrepreneurs do, and balance risk and return.6. Reasonable distribution of credit assets and industry investment.7. Implement differentiated credit strategies and service plans.8. Moderately increase the proportion of medium and long-term loans.9. Establish customer-centric risk mitigation measures.
