Banking Enterprise Service Year Activity Summary

"Three has" concept to maintain growth Six major initiatives for development

As a financial management department, the People's Bank of Xinmi City Sub-branch actively implements the provincial and municipal activities on the “Enterprise Service Year”. It not only serves its subcontracting enterprises conscientiously and responsibly, but also focuses on the development of the whole city, focuses on financial support, and fully implements moderately loose The monetary policy has strongly guided financial institutions to increase credit input, and boosted the city's enterprises to face difficulties, maintain growth, adjust structure, and increase vitality.

First, expand the service surface around the funding point

The current problem of enterprises is to maintain growth, and the long-term problem is to seek development. Finance has played a blood transfusion effect in alleviating the urgent needs of enterprises. In the long run, finance also plays a role in the orientation and regulation of funds, and promotes the establishment of a “hematopoietic” mechanism for long-term development. To this end, the PBOC insisted on three “Yes” in the “Year of Enterprise Service” campaign:

1. Have confidence. Premier Wen said: "Faith is more expensive than money and gold." If you have confidence, you will have strength. If you have confidence, you will have hope. First of all, the bank has confidence in the enterprise. The Xinmi City enterprise has been reformed early, the structure is good, and the impact is small. On credit, they dare to make up their minds and dare to make early shots. Secondly, enterprises have confidence, face the crisis, actively respond, adjust products, adjust structure, adjust production, adjust market, and scientifically operate funds.

2, have feelings. Banks have established that the protection of enterprises is to maintain growth, maintain stability, protect employment, and also protect their own consciousness. Facing the difficulties and pressures of enterprises, the implementation of the "snow in the snow" law, do not engage in "bottom pumping". Supporting the development of enterprises is the eternal responsibility of banks; solving the difficulties of enterprises and ensuring the survival of enterprises is the real responsibility of banks. The financial system and enterprises share the same pains, coexist and share prosperity, support enterprises to overcome difficulties, truly understand enterprises, solve problems, and do practical things. Seek practical results and proactively serve the enterprise.

3. Effective. Adhere to the special affairs and special affairs of the special affairs, and provide credit support to enterprises efficiently under the premise of the investigation. One is to apply for a loan to the company, to quickly investigate, to resolve the solution, and to recommend the proposal. Second, the loan has been signed and promised, and the funds are quickly organized. The third is to actively carry out loan marketing. Before the company goes to the door, it will first go to the door of the enterprise, find problems for the enterprise, come up with ideas, and help the company to help the company face the crisis with a positive attitude.

Second, broaden the financing path, increase the amount of credit

The bank set up a leading group led by the president, coordinated and coordinated the development of service enterprises, the problems reflected by the subcontracting enterprises, the solution to the solution, the coordination of the coordination, and the fight for the fight. For the common problems of enterprises in the city, we will actively do a good job in fund support, and base on funds not limited to funds, highlighting that credit is not limited to credit, and strive to broaden the financial services, solve the problem for the government, and solve problems for the enterprise. At the end of June, the city's loans to enterprises were 5.2 billion yuan, and new loans were 980 million yuan, an increase of 20 million yuan over the same period last year. At the beginning of the year, the credit demand of 3.2 billion yuan raised by 17 enterprises has been solved by 370 million yuan, and another 2.83 billion yuan is being processed.

1. Promote the growth rate of credit supply of small enterprises is higher than the growth rate of all loans

The financial institutions actively implemented the monetary policy that the country has introduced. On the total amount of loans and the incremental indicators, the credit indicators of small and medium-sized enterprises are listed, which encourages the growth rate of credit supply of small enterprises to be higher than the growth rate of all loans; simplifying the loan program and lowering the loan threshold. The higher-level banks will strive to lower the approval authority for approval, shorten the time limit for examination and approval; arrange the credit scale separately, and focus on meeting the needs of the liquidity of enterprises that meet the industry and environmental protection policies and have market, efficiency and development prospects. In response to the characteristics of small and medium-sized enterprises in our city, we will develop products and services suitable for the characteristics of small and medium-sized enterprises, and continue to innovate bill financing, cargo financing, movable property financing, intellectual property financing and other businesses, and adopt flexible and convenient practices to improve the financing efficiency of small and medium-sized enterprises.

2. Establish a microfinance company

The government department will take the lead in investigating, inspecting and screening and material declaration of the main sponsors of microfinance companies, and in accordance with relevant procedures and requirements, set up microfinance companies, and strive to build a new platform for financing services for SMEs, to improve and improve The "three rural" service, alleviate the financing difficulties of small and medium-sized enterprises and explore effective channels for regulating private financing behavior.

3. Establish a notification system for large arrears and create a good credit environment

The bank has actively established credit file for SMEs, and has reached more than 230 households so far. At the same time, strengthen coordination and coordination between the regulatory authorities, the legal departments and government functional departments, establish a notification system for large arrears, coordinate financial institutions to collect bad debts, combat debt evasion, and create a good social credit environment for SMEs. Financing creates a favorable external environment.

4. Encourage private capital to form guarantee institutions

Vigorously develop the credit guarantee industry for SMEs. According to local conditions, organize industry guarantee associations, and introduce measures for establishing SME credit guarantee institutions to provide preferential policies in taxation and other aspects.

5. Establishing a credit guarantee institution risk compensation fund

Special funds are arranged by the government to support the construction of the SME credit guarantee system. Establish a special fund for risk compensation for SME credit guarantee institutions, which is used to provide risk compensation for guarantee institutions to provide financing guarantee services for SMEs.

6. Build a financing cooperation platform for SMEs

Guided by the government, the project will be promoted to commercial banks for projects that are in line with national industrial policies, high technology content, and large investment projects.