Corporate financial service plan

Part 1: Corporate Financial Services Program

This program is specially formulated in accordance with the spirit of the “Notice of the Second Provincial Small and Micro Enterprise Financial Service Publicity Month Program” issued by the Office of the Banking Regulatory Bureau of ** and the requirements of the Banking Supervision Bureau.

First, the purpose of the event

Promote the micro-enterprise financial service policy to the large and small micro-enterprise business owners, carry out targeted financial knowledge popularization; display and promote the achievements and experience of banking financial institutions to carry out small and micro enterprise financial services, create a good social atmosphere; Service and featured products, and strive to improve the financial services of small and micro enterprises.

Second, the event time

May 10th to June 10th, 20XX, for one month.

Third, organizational leadership

A small and micro enterprise financial service publicity month leading group was set up, with the president as the team leader, the deputy governor as the deputy leader, and the main responsible person in the office and various business departments as members. The leading group has an office under the company's business department.

The leading group formulates and implements the Bank's activities according to the overall requirements of the banking regulatory agency, organizes, coordinates and supervises the implementation of various work requirements to ensure the coverage and effectiveness of the mission. The Leading Group Office is responsible for the continuous understanding of the preparation and implementation of the Bank's small and micro enterprise financial service publicity month activities, guiding and supervising the Bank's effective implementation of the publicity plan, and timely collecting and editing information on publicity activities, news reports and summary reports.

Fourth, the promotion content

Promote the financial services of small and micro enterprises;

Achievements and main actions taken by small and micro enterprise financial services;

Small and micro enterprise financial products and service innovation;

Small and micro enterprises successful financing cases, etc.

V. Activity arrangement

From May 10th to May 15th, in the preparation stage, detailed plans will be formulated, and the head office and branches will be mobilized and carefully deployed through appropriate forms.

From May 15th to May 31st, through the news media, holding knowledge and skills competitions, bank-enterprise dialogues, seminars, street-street services, etc., various forms of activities will be carried out to publicize and publish "small and micro enterprise finance" in major municipal newspapers and periodicals. The “Services Promotion Month” column opens up a publicity page to expand social influence.

In the month of publicity, the promotional materials for the “Small and Micro Enterprise Financial Service Awareness Month” campaign were printed. During the centralized publicity month, the branches of each branch should hang the banner of “Small and Micro Enterprise Financial Service Promotion Month” to display promotional materials; LEDs are rolled. promote slogan:

1. In-depth development of the “Small and Micro Enterprise Financial Service Awareness Month”

2, help small and strong service to prevent risks and benefit people's livelihood

3, service small micro-silver enterprises win-win

4. Bank-enterprise interaction grows together

5, based on small micro-service entity economy

Combine “financial services to the countryside” to take to the streets or help small and micro enterprises to carry out face-to-face missions and distribute promotional materials to ensure coverage and mission effectiveness.

From May 31 to June 10, it is the summary stage. The Office of the Leading Group is responsible for summarizing the activities, effects and next steps of the activities, and submitting the second section of the supervision of the Banking Supervision and Supervision Branch in written form.

Sixth, activity requirements

The whole bank should attach great importance to the "Small and Micro Enterprise Financial Service Awareness Month" activity, carefully organize and clarify the division of responsibilities. The Office of the Leading Group is responsible for coordinating and coordinating with relevant departments and organizing and implementing according to the plan. On the basis of the existing policy measures to support the development of small and micro enterprises, we will continue to improve relevant policy measures in response to the prominent problems that constrain the development of enterprises. Make full use of national and local special funds for small and medium-sized enterprises and technological transformation funds to support the development of “three-type” small and micro enterprises; support public service platforms, small enterprise entrepreneurial bases, and public services for small and medium-sized enterprises. Organize and coordinate local government agencies, media and other resources, and fully mobilize to ensure that the event is implemented locally. After the end of the publicity month, the branches will continue to use the various resources available to continue the publicity and education of financial services for small and micro enterprises, and expand the effectiveness of publicity.


Part 2: Corporate Financial Services Program

In order to further publicize and promote the CBRC's small and micro enterprise financial service policy and banking financial institutions' small and micro enterprise financial service experience and achievements, create a good atmosphere of public opinion and strive to improve the financial service level of small and micro enterprises, the China Banking Regulatory Commission is scheduled for April 20XX. The “Small and Micro Enterprise Financial Service Awareness Month” campaign was concentrated nationwide. This program has been specially formulated for the effective organization and implementation of the financial service publicity month for small and micro enterprises within the jurisdiction.

First, the event theme

The theme of this publicity month is “Serving Small and Micro Enterprises, Realizing the Common Development of Banks and Enterprises”, focusing on promoting the policies of small and micro enterprises' financial services, the experience and practices of small and micro enterprises' financial services, and the achievements of small and micro enterprises. Featured products and services.

Second, the event time

April 9 to April 30, 20XX

Third, the event organization

The event was hosted by the Dazhou Banking Supervision Bureau and all banking financial institutions under its jurisdiction participated in the event. The branch established the “Dazhou Banking Small and Micro Enterprise Financial Service Awareness Month Leading Group”. Tang Shengpeng, the deputy director of the branch office, served as the team leader. Deputy Director of the branch, Dai Zhongcheng, served as the deputy head of the branch, and the main person in charge of the banking institution and the branch office. The main responsible persons of the Statistics Department and the supervisory one, two and three are members. The leading group has an office set up in the Statistical Information Office. The main duties of the leading group are to be responsible for the deployment of the event, to supervise the preparation and implementation of the event, to coordinate with the government and relevant functional departments on major events, and to evaluate and commend the event. The main duties of the office are responsible for drafting the program of activities, coordinating and coordinating the banking industry financial institutions to implement the work requirements of the leading group, undertaking relevant work meetings, collecting information on activities to carry out information reporting and summarizing the activities to be reported.

Fourth, the promotion content

The policy of promoting small and micro enterprise financial services mainly includes the state's support policies for small and micro enterprises, the China Banking Regulatory Commission's guidance and normative archives on promoting the financial services of small and micro enterprises in recent years, and the banking industry's support for the development of small and micro enterprises. Credit policy, etc.

The achievements of financial services for small and micro enterprises in the banking industry may include small and micro enterprise loans and other financial services related to small and micro enterprises, the construction of financial service organizations for small and micro enterprises within the jurisdiction, and the construction of small and micro enterprise loan mechanisms.

Banking micro-enterprise financial products and service innovation, including financial innovation to reduce the cost of small and micro enterprises loans, improve the efficiency of credit approval, and meet the diversified financing needs of small and micro enterprises.

Cases of financing for small and micro enterprises in the banking industry.

Fifth, the way of propaganda

News media promotion. It mainly uses media platforms such as radio, television, internet, newspapers and periodicals for publicity.

Concentrate on the streets. Concentrated publicity activities were held in the downtown area of ​​Dazhou, the West People's Square in Tongchuan District, the south of Daxian County, and the main urban areas of Xuanhan, Kaijiang, Wanyuan, Dazhu and Quxian.

Business outlets. All agencies posted slogans at the outlets, produced bulletin boards, distributed promotional materials, and used televisions and LED displays to promote them.

Newsletter promotion. Institutions use China Mobile, China Unicom, telecommunications or various banking institutions' internal newsletter platforms to send promotional messages to the public and customers in the wrong time.

Sixth, the event arrangement

News media campaign arrangements. In the Dazhou TV Station, Dazhou Daily, and Dazhou News Network, the branch opened a special file and column of “Dazhou Banking Industry 20XX Small and Micro Enterprise Financial Service Promotion Activities” to support the financial policies of small and micro enterprises and the financial services of small service enterprises. Small and micro enterprise credit products and service models are continuously promoted. The first broadcast began on April 9th, 20XX, and the promotion continued until April 30th. All institutions must submit the electronic text of the agency's publicity materials to the Statistical Information Office of the Bank of China Banking Supervision Bureau before April 6. After review by the General Information Office, the branch office will be responsible for the broadcasting and publication of the media. The contents of the agency's publicity materials include the bank's credit policy, work results, featured products, service innovations, typical cases, etc., requiring text to be concise and easy to understand.

Concentrate on the activities of the street.

1. Central publicity activities are arranged in the central square. The promotion activities were sponsored by the Dazhou Banking Supervision Branch, the Agricultural Development Dazhou Branch, the Four State-owned Commercial Bank Municipal Branches, the Postal Savings Bank Dazhou Branch, the Evergrowing Bank Dazhou Branch, the Dazhou Commercial Bank, and the Dazhou Rural Credit Cooperative. 11 institutions of Chengmin Village Bank of Xuanhan County and Longyuan Village Bank of Dazhu County participated in the project. The event will be held from 9:00 am to 12:00 pm on April 14, 20XX. The activities are divided into two parts: the launching ceremony and the consultation and publicity.

The launching ceremony will be set up by Jiabintai, and the work of distributing the placards and banner links will be handled by the branch office. The texts of the slogans and banners will be prepared by the statistical information department. At the launching ceremony, relevant leaders of the Municipal Party Committee Government, the Municipal Economic and Information Committee, the Municipal Financial Office, and the People's Bank of China Dazhong Zhongzhi attended and made important speeches. The heads of the 11 institutions in the jurisdiction must be neatly dressed to attend the launching ceremony. At the same time, the branch office and each team consisting of no less than 20 people participated in the launching ceremony.

The consultation and publicity activities were carried out after the launching ceremony. The sub-bureau and 11 institutions within the jurisdiction set up a consultation and publicity platform, and placed two publicity exhibition plates to form a publicity campaign for a group of four people. Publicity materials In addition to the unified printing of the branch offices, each bank can distribute the promotional materials printed by the higher authorities or printed on their own to the public free of charge.

2. Arrangement of publicity activities in each county. The centralized publicity activities of all counties and cities are jointly undertaken by county-level banking institutions, including the West Publicity Center of Tongchuan District, the publicity point of Daxian County, the propaganda point of Xuanhan County, the propaganda point of Kaijiang County, and the propaganda of Wanyuan City. The activities of Dianzhu County Propaganda Point and Quxian Propaganda Point were led by Dazhou City Commercial Bank, Bank of China, Industrial and Commercial Bank, Agricultural Bank, Construction Bank, Rural Credit Cooperative, and Postal Savings Bank. The mode is carried out and the time is unified on April 15. Each lead line shall be responsible for formulating detailed plans to be organized and implemented after review and approval by our branch office before April 6. At the same time, they will be responsible for the site layout, holding the event ceremony, inviting local government leaders to attend the event, and contacting the local news media to report on the publicity activities. Wait. Other co-organizers will send people to assist the lead line to arrange the event site and send staff to participate in the event ceremony and publicity activities.

Network promotion activities. Starting from April 9th, the business outlets of all banking institutions within the jurisdiction must post promotional slogans, advertise banners, display promotional materials, and open up publicity activities using television and LED screens. The texts of the slogans, banners and electronic displays are “Small and Micro Enterprise Financial Service Promotion Month”, “Serving Small and Micro Enterprises, Realizing the Common Development of Banks and Enterprises”, “Services Small and Micro, Banks and Enterprises Win-Win”, “Bank-Enterprise Interaction” "With growth," "based on small and micro, serving the real economy" and other words. The publicity materials are printed by the branch offices and printed by the banking institutions themselves.

Newsletter promotion arrangements. The newsletter campaign began on April 9. In order to avoid the congestion of the newsletter platform, the branch decided to take the wrong time to transmit, namely Agricultural Development Bank, Industrial and Commercial Bank, Agricultural Bank, Bank of China, Construction Bank, Postal Savings Bank, Evergrowing Bank, Dashang Bank, Dazhou Rural Credit Cooperative, Xuanhan County Chengmin Village Bank and Dayuan County Longyuan Village Bank were transferred from April 9th ​​to 19th. The text of the newsletter is divided into the specified content and the customized content, and the content must be transmitted before the customized content. The prescribed content is: "Serving the real economy, helping small and micro enterprises, achieving a win-win development for banks and enterprises. - Leading group of the Dazhou Enterprise Micro-enterprise Financial Services Publicity Month Campaign", can not be changed at will. Custom content can be the advertising slogan of each organization to support small and micro enterprises, the slogan of special products, etc., and can also be signed "XXX Bank" at the same time.

Seven other matters

All agencies should set up a publicity activity leading group in conjunction with this program, designate the contractor and contact person, and report to the branch office of the branch office before April 6.

During the event, the lead units or agencies should contact the local media to do a good job of publicity and reporting. At the same time, all agencies should record and photograph the event, count the number of participants, the number of publicity materials, and the summary report of the event, and report to the branch office of the branch office after the end of the publicity month.

During or after the publicity month, our branch will unite units and departments such as the Dazhou City Economic and Information Committee and the People's Bank of China Dazhou City Center Sub-branch to carry out activities such as model and trustworthiness cultivation of small and micro enterprises and docking and signing of silver enterprises in various counties. Do the relevant work arrangements.


Part 3: Corporate Financial Services Program

In order to further increase the support for small-scale agricultural enterprises in the province, strengthen the financial service quality of small and micro enterprises, and promote the development of various small-scale enterprises related to agriculture in the province, do a good job in this year's agricultural micro-enterprise financial services, Shaanxi Agricultural Development Under the premise of "two not less than", on the basis of following the "six mechanisms" and adhering to the "four-single principle", combined with the actual situation of the small and micro-enterprise customer structure and business development process, this year's small The micro-enterprise loan work has the following work plan:

First, implement the national policy of supporting agriculture and supporting small-scale enterprises, and vigorously develop the credit business of agricultural small and micro enterprises in accordance with the principle of “selecting excellent support, classified management, and steadily innovating”.

Highlight key areas of business development. Focus on supporting small-scale enterprises with high degree of product relevance and closely related to the upstream and downstream industrial chain of large-scale high-quality leading enterprises; high-growth types of characteristic agriculture, modern agriculture, green agriculture and characteristic agricultural industrial clusters with regional advantages Enterprises; agricultural micro-enterprises that have received financial support from all levels or obtained the government's centralized procurement bidding notice and sufficient guarantee resources. Based on the key areas of business development, we will focus on areas with good credit environment, strong financial support, abundant resources for small and micro enterprises, and internal management standards.

Increase the adjustment of customer structure, and strive to achieve advance and retreat. This year, all banks must conduct risk investigations on agricultural small and micro enterprise customers, and the business benefits are good. The source of the first repayment is guaranteed. The second repayment source is reliable. The return rate of sales payment is over 70%. The loan is actively supported.

Loan product support specific methods:

1. The term of the loan. The term of the working capital loan for agricultural small and micro enterprises with a production and operation cycle of more than one year is no more than three years, and the term of seasonal liquidity loans is generally not more than one year; the term of fixed assets loans is generally 1-3 years, and the maximum period is no more than five years. .

2. Loan interest rate. The interest rate of agricultural micro-enterprise loans of our bank is generally 10% higher than the benchmark interest rate for the same period of commercial liquidity loans announced by the People's Bank of China. However, for the high-quality customers who have strong willingness to cooperate and have good business conditions and actively cooperate with the supervision, they will give a certain inclination to the interest rate pricing, that is, for small-scale agricultural enterprises above the municipal level that have a credit relationship with the Bank for more than two years without any default record. Micro-enterprise quality customers can perform benchmark interest rates; new marketing customers, old customers with credit relationships of less than two years, and old customers with default records all execute a benchmark interest rate increase of 10%.

3. The loan method. In order to effectively prevent credit risks, agricultural small and micro enterprise loans mainly adopt full mortgage or professional guarantee institutions to guarantee the guarantee.

4. Loan extension. For the purpose of being affected by objective factors such as seasonal or irresistible natural disasters, it is not possible to repay the loan on time. Under the premise of effectively implementing the legal full guarantee, the loan extension period can be handled in accordance with relevant regulations.

Second, the innovation loan guarantee mechanism

On the basis of the original loan guarantee method, the Bank will innovate the agricultural small micro enterprise loan guarantee mortgage method:

Explore mortgage guarantees for transferable forest tenure and land contract rights to the extent permitted by laws and regulations.

Prudently explore intellectual property rights, accounts receivable and other pledge guarantees.

Emphasis is placed on the cooperation of intermediary guarantee institutions to develop guarantees for professional guarantee companies. We will focus on actively coordinating with the local government, and get in touch with the provincial small and medium-sized enterprise service associations, and establish information exchange between small and medium-sized micro enterprise service associations, intermediary guarantee institutions, and loan banks, and strive to build small and medium-sized enterprises financing. The platform will gradually establish a financing guarantee company backed by the government's finances, and guarantee the financing activities of small and micro enterprises with advanced management, good business performance, future development prospects and real need of funds, and strive to fundamentally solve the current small and micro enterprises. The phenomenon of “funding difficulties and difficult financing” appeared in the financing process. In this process, all institutions are required to help small and micro enterprises to continuously strengthen their own construction, especially the quality of private entrepreneurs, and strive to fundamentally solve the phenomenon of “low credit and low credit” in the current financing process.

Third, strengthen service and business guidance

Under the premise of not lower than two, our bank issued special work points and put forward the following requirements for the focus of loan support:

1. High-growth agricultural small and micro enterprises with good market prospects, high credit rating, sufficient guarantee resources and strong willingness to cooperate.

2. Agricultural micro-enterprises that have received financial support from all levels or obtained the government's centralized procurement bidding notice.

3. Small and micro enterprises within a characteristic agricultural industrial cluster with certain development scale and strong market competitiveness and location advantages.

4. To develop various types of characteristic agriculture, modern agriculture, green agriculture and low-carbon economy as the main line, and to increase the employment and increase the income of farmers, which have obvious role in promoting agricultural micro-enterprises and farmers' professional cooperatives.

5. Agricultural micro-enterprises with high product relevance and strong processing capability, which are closely related to the main business of the Bank and the upstream and downstream industry chain of large-scale high-quality leading enterprises. According to the geographical characteristics, it supports the demand for liquidity in the purchase, sale, processing and circulation of agricultural micro-enterprises with obvious local characteristics such as tea, Chinese herbal medicine, agricultural and sideline products, etc. Guanzhong focuses on supporting the apple-based fruit industry enterprises in the purchase and sale, Liquidity requirements in processing and circulation, and liquidity requirements for upstream and downstream production of leading industrial enterprises; Northern Shaanxi mainly supports the flow of purchase, sales, processing and circulation of small and micro enterprises with apples, red dates and small grains. Funding needs.

Regularly inspect the management of agricultural micro-enterprise loans under the jurisdiction of the institutions, and promptly correct the problems found, especially the on-the-spot investigation of the branches with slow development of individual loans, and solve the problems existing in the business development in a targeted manner. Small and micro enterprise business develops healthily.

Strengthen industry cooperation. On the basis of adhering to the “government recommendation, bank independent lending”, the industries involved in the relatively large grain, oil, cotton and apple industries are required to strengthen daily contact and communication between the grassroots and industry management departments, pay close attention to industry trends, and help in time. Enterprises solve problems in business development.

Under the premise of insisting on the formulation of requirements, we will shorten the loan-making process, simplify the procedures, improve the efficiency of loan-making, and provide fast and convenient fund settlement services.

Improve the reward mechanism. In this year's work plan, the development of small and micro enterprise loans will be implemented as the focus of the Bank's work, and the development of small and micro enterprise loans will be quantitatively assessed according to the development of the real economy of each city and the industry structure. Excellent, rewarding individuals and small individuals who can effectively develop high-quality small and micro enterprise loan customers and can effectively maintain small and micro enterprise loans.