Changle Banking Industry Establishs a long -term "financial living water" for the long -term mechanism of "Dare to Loan the Loan Loan"

Changle County has thoroughly implemented the spirit of the twelfth party congress of the province, focused on "financial unblocked", increased the financial relief assistance of the service industry, small and micro enterprises, etc., which had a greater impact on the epidemic, and provided the county's economic development. Powerful financial support.

Since the beginning of this year, Changle County's banking industry has focused on establishing a long -term mechanism for loan loans and loan loans, and continuously relieved financing difficulties in small and micro enterprises, individual industrial and commercial households and other fields, and allowed "financial living water" to flow the real economy. At the end of June, the balance of inclusive small and micro loans in Changle County was 6.16 billion yuan, an increase of 30.9 % year -on -year, which was 16.7 percentage points higher than the growth rate of various loans.

Removing the worries of the care

Shandong Remco Energy Co., Ltd. is a small and micro enterprise engaged in lubricating oil production and sales. It has been affected by factors such as rising raw materials and increased orders since this year. , Take the initiative to docking, and timely handle 1 million yuan of non -repayment loans for the enterprise, solving the urgency of funds.

"If the enterprise develops well, the bank can have a greater average. By actively carrying out the non -repayment loan business, the company does not need to raise funds for repayment, but also can continue to use it. "The person in charge of Changle Village and Town Bank said.

According to reports, the Changle County Sub -branch of the People's Bank of China actively guided the legal person bank to establish a financial service small and micro enterprise dare to loan the long -term mechanism for loan loans to loan, and further improve the due diligence exemption and fault tolerance arrangements for the inclusive loan business, and promote the dedication of the dedication exemption standards and the standards for the dedication. The procedure is more simplified and quantified, so that the customer manager eats "reassinual pills" to support the development of enterprises with actual actions.

Changle Rural Commercial Bank wants what customers think, urgent customers, and actively solve the guarantee problem in the financing of market entities. , Launched the advantageous product "Yinfang to help enterprise loans", with the help of new types of mass guarantee business cooperation models, 90.2 million yuan of small and micro enterprise loans were issued.

Strengthen the motivation to guide incentives to stimulate wishful loans

In order to further meet the financial needs, the Changle County Sub -branch of the People's Bank of China and the county financial supervision bureaus and other departments to solidly carried out "special actions for the development of small and micro enterprises and individual industrial and commercial households" for "Qi Xin Luli • Assistance to Enterprise and Huishang Finance", and conducted in -depth research on the demand for funds. Since the beginning of this year, the banking institutions have carried out a total of 26 credit policies and service publicity activities, covering 213 main entities, helping to solve 91 financing difficulties, and encouraging banking institutions to increase credit support for key industries. Data show that at the end of June, Changle County wholesale and retail, accommodation and catering, and transportation industry loans were 2.44 billion yuan, an increase of 65.1 % year -on -year.

At the same time, various banking institutions have continuously strengthened the positive incentives for inclusive financial assessments, and increased their efforts to small loans and first loans, credit loans, and medium- and long -term loans. As the main force of the county branch agricultural branch, Changle Rural Commercial Bank set up 1.5 million yuan in inclusive financial incentive funds to give rewards for quarterly to support the development of inclusive finance. From 2021 to the end of June 2022, the bank added 648 new private and small and micro enterprises, with a credit amount of 240 million yuan. In 2022, Changle Rural Commercial Bank's newly issued inclusive small and micro loan increased by 0.5 percentage points year -on -year.

Do a good job of funds to ensure the foundation of capable loans

"Listening to the bank staff introduced that my loan was included in the scope of the loan support of the People's Bank of China. The loan interest rate is indeed relatively favorable. It feels that the loan is getting easier and cheaper." Wang Lingde said with a smile that as a truck driver, due to the early epidemic, the truck was not smooth, the operating efficiency decreased significantly, and the logistics cost increased significantly, resulting in the slow recovery of the account receivable of the customer, and the risk of breaks on the fund chain. After understanding the situation, Changle Rural Commercial Bank came to docking in time to handle a loan of 200,000 yuan, and executed a preferential annual interest rate of 4.5 %, which enhanced customer confidence.

It is understood that the Changle County Sub -branch of the People's Bank of China actively guided the legal person banks in the jurisdiction to make full use of the reduction, re -loan, and inclusive micro -loan support tools to continue to increase loans. This year, Changle Rural Commercial Bank and Village Bank used the central bank's re -loan funds of 830 million yuan. In accordance with the principle of "first loan and then borrowing", a preferential interest rate loan has been issued to the eligible market entities in 1806 households. Monitoring shows that the loan interest rate supported by loan funds is 0.6 percentage points lower than that of the same type of loan issued by general funds.

In addition, in the first half of this year, Changle Rural Commercial Bank achieved an increase of 290 million yuan in the balance of inclusive small and micro loans, benefiting 1905 small and micro enterprises, individual industrial and commercial households, and obtained 3.211 million yuan in incentive funds for the People's Bank of China.

Innovative product services to improve the level of loan loans

In order to solve the current bottleneck of credit growth in the county and improve the inclusive financial service system, Changle Rural Commercial Bank actively promotes the new model of the "small and micro enterprise loan platform" and "inclusive E loan". Improving the financial service experience and loan efficiency. Since the beginning of this year, relying on the "inclusive E loan" platform, the bank has added 32,000 creditors with a amount of 1.1 billion yuan.

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