Banking Enterprise Service Year Activity Summary

The Xinmi City Sub-branch of the Agricultural Bank of China has continuously innovated its system, focused on improving financial services and providing comprehensive services to the development of enterprises. As of June 30, the balance of various deposits reached 3.659 billion yuan, an increase of 286 million yuan from the beginning of the year; this year, the balance of new loans increased by 83.54 million yuan, including 9 small and medium-sized enterprises loans, amounting to 20.95 million yuan.

I. Improve the construction of institutional mechanisms to support the development of SMEs

The bank started from four aspects: perfecting mechanism, forming team, optimizing process and innovative products, establishing credit business processes that are consistent with the characteristics of small enterprises, improving market response efficiency and reviewing approval efficiency. Vigorously promote simple and fast loans, small business self-revolving loans, inventory pledge loans, forest rights pledge loans, accounts receivable financing, international trade financing and other financing products that meet the characteristics of SMEs, and strive to increase the market share of SME credit business . Simplify the procedures for customers who meet the loan conditions, improve the efficiency of loan approval, and help farmers to solve their urgent needs. Since the beginning of this year, the bank has successively loaned 8 million yuan from Zhengzhou Antai Real Estate Co., Ltd., 2 million yuan from Kaiyang Hotel, 2 million yuan from Zhengzhou Lisheng Science and Education Co., Ltd., 2 million yuan from Zhengzhou Jinma Industrial Co., Ltd. and 4.0 million yuan from 6 individual industrial and commercial households. Timely for the enterprise to handle pledge loans of 4.08 million yuan, handling bank acceptance bills of 41.43 million yuan.

Second, vigorously promote credit business and vigorously promote "six in place"

The bank adheres to the "three rural" as a breakthrough, fully marketing SME loans, and actively carrying out "six in place" activities: First, the concept is in place. Establish a business philosophy of “early planning, early marketing, early delivery, early benefit”, comprehensively capture customer information, seize market opportunities, and increase marketing efforts; second, team building is in place. The bank has established a corporate client group, a “three rural” customer group, an intermediate business customer group and a liability customer group, specializing in marketing asset customers; third, marketing is in place. Adhere to the linkages of the upper and lower, and focus on marketing. The director is required to report daily to the governor every day, so that he wants to be marketed from time to time. At the same time, the branch also took out a president to full-time loan marketing, set up a corporate client group with three account managers to specialize in marketing SME customers; Fourth, the responsibility target is in place. The marketing of small-scale farmer loans and SME loans will be placed at the height of serving the county's economic development, and the director's understanding will be raised. It is required that the directors of 16 business outlets under the jurisdiction must sell more than 10 households per month, as a personal accountability and performance review at the end of the year. The important basis; the fifth is the measure in place. In the case of very tight funding, the bank provided all the 16 business outlets in the city with computers, scanners, and special vehicles for the “three rural” business, providing fast, convenient and safe financial for the farmers who came to apply for loans. Service; six is ​​the assessment in place. Special incentives will be set up, and the SME loans and small-scale farmer loans will be rewarded in addition to the provincial branch sales department awards.

Third, clarify the key points of the "three rural" service, and do a good job in the loan distribution of farmers

The bank closely focuses on “five key areas” such as farmer loans, agricultural industrialization leading enterprise loans, food core construction project loans, farmers' professional cooperation organization loans, and county-level SME loans, and vigorously expands the “three rural” business. First, focus on supporting eligible farmers. Adhere to the "five mains", that is, to support the upstream farmers of leading enterprises, to support the new farmers who join the farmers' cooperative organizations, to support key farmers in specialized villages, and to support the construction of food core areas. The main types of farming, raising and households are mainly to support migrant workers who are returning to their hometowns; the second is to support leading agricultural industrialization enterprises that meet the loan conditions. For industrialized leading enterprises that meet the loan conditions, strive to achieve a market share of more than 50%; third, actively support new types of farmers' professional cooperative organizations that meet the loan conditions. Supporting farmers' professional cooperation organizations that provide farmers with means of purchasing materials, agricultural products for sale, processing, transportation, storage, and providing technology and information for agricultural production and management.

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