Just canceled the assessment of small and micro loan growth, large banks have already required enterprises with existing credit to provide additional mortgage guarantees.

On May 19, the China Banking and Insurance Regulatory Commission issued a notice on improving financial services for small and micro enterprises in 2026, no longer setting a nationwide uniform target for the growth rate of inclusive loans for small and micro enterprises, and proposed a twelve-word policy of "stabilizing lending, optimizing structure, improving quality, and ensuring sustainability." After the new policy was released, some banks have begun adjusting their inclusive KPIs, but some are still watching. "Our bank has already started changing the rules for inclusive business, and small and micro enterprises that were previously granted credit are now required to add additional collateral and guarantee measures," revealed a person from a state-owned large bank branch. Currently, the KPI orientation has clearly shifted towards asset quality.