A few days ago, the People's Bank of China and the China Banking and Insurance Regulatory Commission jointly held a symposium on the credit work of major banks to study and deploy the work related to financial support for stable growth. The meeting proposed that all major banks should reasonably grasp the pace of credit delivery, moderately advance, further optimize the credit structure, and accurately and effectively support key areas and weak links of national economic and social development. On January 10, the Central Bank released financial statistics for 2022. On the whole, the financial data of 2022 "ended smoothly", and the support of credit to the real economy was strengthened. Wen Bin, chief economist of Minsheng Bank, believes that credit is expected to achieve a "good start" in 2023, with a relatively stable January, marginal recovery in February and a "credit pulse" in March. The pace of credit delivery throughout the year continues to be ahead of schedule. The pace of credit delivery in each quarter may be arranged by 40%, 25%, 20% and 15% as a whole to achieve "early delivery and early return". "At present, key areas and weak links are mainly concentrated in scientific and technological innovation, green development, private small and micro enterprises and other fields. At the same time, stabilizing real estate is also very important for the annual economic growth." Wu Chaoming, vice president of the Financial Information Research Institute, said in an interview with the reporter of Securities Daily. Wu Chaoming further said that private small and micro enterprises are an important source of market vitality and an important carrier of scientific and technological innovation. Both domestic economic recovery and high-quality development are inseparable from the growth and development of the private economy. It is expected that finance will increase support for the recovery and development of small and micro entities in 2023. Scientific and technological innovation and green transformation are also important directions for high-quality economic development in the future. At the same time, the space for new investment demand derived from the two major areas is broad, which is a new growth point for China's economic development. For key areas and weak links of social development, how to achieve accurate and powerful support for credit extension? Liang Si, a researcher at the Bank of China Research Institute, told the Securities Daily that at present, the operating pressure of small and micro enterprises is still high, so we should strengthen the use of structural monetary policy tools, continue to do "addition", encourage financial institutions to continue to increase the credit support in relevant fields, and ensure that the growth rate of credit in key areas and weak links of the economy is higher than that of all loans. At the same time, for policies with clear phased requirements such as "deferred repayment of principal and interest", the effect of the policy can be evaluated in a timely manner according to the recovery of the enterprise, and the orderly withdrawal or appropriate extension can be selected according to the need to fully meet the needs of the enterprise. "In addition, the regulatory authorities can simultaneously take supporting measures, for example, according to the characteristics of industry development and the key support direction of structural monetary policy instruments, design differential provisions and risk tolerance indicators, fully mobilize the enthusiasm of financial institutions, and guide them to gradually explore a sustainable business development model while supporting the development of enterprises." Liang added. In terms of credit support in the fields of scientific and technological innovation and green development, Wu Chaoming believes that it is mainly achieved through structural policy tools such as low-cost refinancing, such as special refinancing to support the clean and efficient use of coal, scientific and technological innovation refinancing, and special refinancing for equipment upgrading and transformation. On the one hand, it can reduce the financing cost of banks and improve their willingness to lend; On the other hand, reduce the comprehensive financing cost of enterprises in the above fields through bank transfer