The evaluation revealed that the four-year duration of the project, with a total investment of $15,542.4 million, is expected to start construction on a full-line basis in June 2023, with a full-line shuttle in June 2027 and a four-year construction period.

“The government work report has repeatedly mentioned small and micro enterprises and inclusive benefits, which fully reflects the policy level’s concern and support for small and micro enterprises.” Ren Tao, a distinguished researcher at the national finance and development laboratory, said that this year, the policy level is still increasing its support for small and micro enterprises, including expanding the coverage of Inclusive Finance, reducing fees, expanding the coverage of government financing guarantee and insurance, so that small and micro enterprises can personally feel the continuous improvement of financing convenience The financing environment has been effectively improved and the comprehensive financing cost has decreased significantly, so that the majority of market players can focus more on production and operation.

According to the CBRC, by the end of 2021, the loan balance of banking financial institutions for small and micro enterprises had reached 50 trillion yuan. Among them, the loan balance of inclusive small and micro enterprises with a total credit of 10 million yuan or less for a single household was 19.1 trillion yuan, a year-on-year increase of 24.9%.

The interviewed experts believe that the large number of small and micro enterprises, the heterogeneity of enterprise subjects, the diversity of financing needs and the differences in problems determine that financial services need classified measures and accurate efforts, “what is missing makes up for what” and “what is weak is strong”.

In order to effectively reduce the pressure on small and micro enterprises to repay the principal and interest at different stages and alleviate the shortage of collateral for small and micro enterprises, the people’s Bank of China created a loan extension support tool and credit loan support plan for inclusive small and micro enterprises, extended the principal and interest of 16 trillion yuan of loans, and issued 10.3 trillion yuan of inclusive small and micro credit loans. In 2022, the two direct tools will be continuously converted in a market-oriented manner.

In order to alleviate the pressure on the capital turnover of small and micro enterprises upstream and downstream of the supply chain industrial chain, the people’s Bank of China guided the Shanghai ticket exchange to launch the supply chain bill platform, promoted the Zhongzheng accounts receivable financing service platform, and supported 62000 financing transactions and 2.1 trillion yuan of small and micro enterprises through the accounts receivable financing service platform in 2021. The general office of the China Banking and Insurance Regulatory Commission also issued a notice last year to provide policy support to small and micro enterprises from 21 aspects, proposing to continue to increase the first loan, renewal loan and credit loan of large and small micro enterprises, and focus on increasing the independent and controllable medium and long-term credit support for advanced manufacturing, strategic emerging industries and industrial chain supply chain.

The representative members interviewed believed that although inclusive small and micro finance has achieved rapid development with policy support in recent years, there are still many explicit and invisible barriers to financial services for small and micro enterprises in practice due to information asymmetry.

“For example, small and micro enterprises have unequal competition with large and medium-sized enterprises in financing. Indirect financing is still the main financing channel for small and micro enterprises, and the proportion of direct financing obtained through capital markets and other fields is limited.” Fan Xiaoyun, member of the CPPCC National Committee and executive vice president of the school of finance of Nankai University, pointed out.

Zhu Xiaojin, a member of the National Committee of the Chinese people’s Political Consultative Conference and a professor of Nanjing Normal University, also said that due to poor anti risk ability, the relevant information of enterprises cannot be disclosed in time and completely, there is insufficient collateral assets available for guarantee, and the financing difficulties of small, medium-sized and micro enterprises still exist.

For how finance can more effectively empower small and micro enterprises, the government work report proposes to “promote the sharing of enterprise related credit information and speed up the information connection between tax, customs, electric power and other units and financial institutions”. Zhang Zhifu, deputy to the National People’s Congress and former president of Nanchang central sub branch of the people’s Bank of China, suggested connecting with the national credit information sharing platform, effectively integrating information such as industry and commerce, taxation, justice, social security, real estate and water and electricity payment, introducing market-oriented credit information in an appropriate way, and connecting the platform with the credit approval risk control system of commercial banks at the same time, It is convenient for financial institutions to conduct accurate portrait and risk assessment of enterprises, and improve the efficiency of decision-making and approval.

The government work report also proposed to “expand the coverage of government financing guarantees to small and micro enterprises”. In this regard, Yin Xingshan, member of the CPPCC National Committee and President of Hangzhou central sub branch of the people’s Bank of China, suggested to study and formulate the development plan of government financing guarantee in the 14th five year plan, set targets such as the proportion of guarantee balance and loan balance of small and micro enterprises, the proportion of guarantee households and small and micro enterprises at the national and provincial levels, and increase the proportion year by year. At the same time, on the premise of preventing moral hazard, classify and delimit the compensation tolerance, and appropriately improve the compensation tolerance of small institutions; Research and weaken the assessment of profit objectives, enhance the assessment guidance of institutions such as magnification, guarantee amount, number of guarantee households and average guarantee amount, and give full play to the guarantee ability of institutions to the greatest extent.

“Alleviating the financing difficulties of small and micro enterprises has entered the deep-water area. In this case, Pratt Whitney small and micro loans should shift from the pursuit of scale and speed to the pursuit of quality and efficiency.” Dong ximiao, a researcher at the Institute of finance of Fudan University, believes that the focus of the next step is to establish a long-term mechanism, optimize the ecosystem of small and micro financial services, deepen supply side reform, adhere to innovation driven, significantly improve the quality, efficiency and benefits of small and micro financial supply, and further improve the overall efficiency of financial services for small and micro enterprises.

According to previous reports, Microsoft announced the acquisition of nuance in April last year. The two companies said they would jointly create the future of artificial intelligence. With their help, medical personnel can reduce the time spent on documentation and get along with patients more. They will jointly use the power of artificial intelligence to help organizations in all walks of life create friction free and personalized customer experience. In addition to health care, Microsoft intends to make extensive use of nuance technology, make use of Microsoft’s rich resources and introduce it into other vertical fields, such as financial services, retail and telecommunications, on the basis of existing solutions.

The M & A transactions of such large technology companies will undoubtedly attract the attention of national regulators. After the US Department of justice and later reached an agreement with the EU last year, it finally obtained the consent of the UK competition and market authority (CMA) this week, clearing the last obstacle.

In addition, another transaction of Microsoft’s acquisition of Activision Blizzard at a sky high price of US $68.7 billion is under way, and is also encountering resistance from regulatory authorities and organizations in various countries. If successful, the transaction will be completed in mid-2023. （TechWeb）

Really

It’s just that it’s not pie

It’s pancakes!

In Wenzhou, Zhejiang

The owner of a pancake stall

Established this special “rule”:

Students only need to bring a full mark test paper

You can get two delicious baked cakes for free

Chen Jingkui, 41, is from Huangshi, Hubei Province

I have been working in Yueqing, Wenzhou for 18 years

Sending students pancakes came from an accident

One evening in 2018

A boy stood in front of Chen Jingkui’s stall

Watch him make and bake pancakes

The child’s eyes are straight

Look at his innocent and lovely smiling face

Chen Jingkui greeted warmly:

“Children, do you want to buy a pancake?”

“I have no money in my pocket!” The boy whispered

“It doesn’t matter if you have no money. My uncle makes an appointment with you,

Next time you get 100 points in the exam,

I’ll treat you to three pancakes for free, okay? “

Chen Jingkui smiled

A few days later

Chen Jingkui saw the little boy trot all the way to him

Excitedly, he took out a test paper from his schoolbag and said:

“Uncle, look, I got 100 points!”

Chen Jingkui took the test paper from the boy

I couldn’t help giving the boy a thumbs up

And took out three hot cakes and handed them to the boy

“Continue to work hard next time, as long as you get 100 points,

You can come and get the pancakes! “

“When I was a child, my family was poor and had many brothers and sisters,

Without a good learning environment,

My grades are not good either,

He dropped out of primary school only until the fourth grade. “

Chen Jingkui told reporters that he went out to work at the age of 15 or 16

He has worked hard and wandered in society for many years

Find yourself capable and able to endure hardships

But I can’t write well because I don’t read much

Missed a lot of opportunities

Life and work experience

Let him realize the value of reading and the importance of knowledge

So later, whenever he saw the boiler

The little cats stood greedy

Will say to them:

“If you want to eat Shaobing, you should study hard according to your ability,

If you get 100 points, I’ll treat you to dinner for free. “

With the news that “you can eat Shaobing for free with 100 points”

Spread among students in the past four years

Chen Jingkui’s children burn cakes in front of the stall almost every day

Take the full score test paper to get the pancake

At first, I sent three

Later, more students came to get it

Plus, they are all collected after school in the afternoon

Eat too much and worry about affecting children’s dinner

So he sent two instead

The most impressive day he sent out 17 baked cakes

Several Xueba are “regular customers” who come to the stall

Chen Jingkui said:

It doesn’t make money to send baked cakes for free

But happier than receiving money

He hopes

Through one’s own contribution

Bring warmth to children

Let children know:

fighting

The harvest will be more

Netizen comments: small move, big warmth