Kimpuyue helps the Communist Party ① | How does finance help drive the common carriage?This "common" transcript in Wenzhou is full of gold content

Editor's note: In September of Golden Autumn, the wind of "popularization of financial knowledge". This month, the People's Bank of China Wenzhou Central Sub -branch launched a centralized publicity campaign to start the "Flowing Month of Financial Knowledge" to further enhance the risk awareness of financial consumers, especially to effectively enhance the financial literacy of the "one old and one young" group, and create a righteousness. Financial network environment.

From today, the People's Bank of China Wenzhou Central Sub -branch and Wenzhou Metropolis Daily have launched a series of "Kimpu Monthly Assistance Communist Party" reports to focus on the advanced practices and typical cases of Wenzhou financial institutions, give full play to the power of financial education, and send financial knowledge to the people of the people. At the door, help the construction of a common prosperity demonstration area.

In the journey of model construction of the common wealth demonstration area, what can the financial industry play? The dazzling transcript announced by the Zhongdan branch of Wenzhou City yesterday gave the best answer.

Since the beginning of this year, Wenzhou's financial industry has continued to promote the high -quality development of the real economy. As of the end of August, the city's various loans in the city increased by 186.17 billion yuan and small and micro loans added 87.67 billion yuan, a high level of history. At the same time, the support of finance to the mountains and counties has continued to increase: at the end of July, the loan balance in the five counties in the mountains accounted for 21.8%of the city's loan, an increase of 0.2 percentage points from the beginning of the year.

Financial benefits are "supported" for technology -based enterprises

Building the bottom with finance has made "scientific and technological innovation" leading the driving force for high -quality development of economic and society. This year, the financial industry in our city closely locks the keyword of "technology", insists on using good steel on the blade, highlighting the financial support for science and technology enterprises, and improving the level of science and technology financial services. As of the end of July, loans of science and technology enterprises increased by 17.06 billion yuan.

Focusing on the work of the Municipal Party Committee and Municipal Government Center, deepen departmental linkage, and tilt high -quality resources and preferential interest rates towards the corresponding fields. This year, the People's Bank of China, the China Branch United Municipal Science and Technology Bureau, the Economic and Information Bureau and other departments, and issued a package of financial support specialized specialized enterprises and talent entrepreneurship. Policy collaboration has proposed 11 measures, which mainly include: re -loan re -discount quotas that are prioritized in the whole year, and the discounted amount of re -loan and re -discounting of re -loan, which is targeted to support the financing of enterprises in the whitelist; The banking system is 10 billion yuan per year, the supporting central bank re -loan special funds, and the credit inclines and preferential interest rates are given to the eligible whitewashing companies. Data show that at the end of July, the balance of the loan of special specialized enterprises was 19.2 billion yuan, an increase of 6.57 billion yuan from the beginning of the year.

Good policies and good measures that have timely and powerful, bring confidence to technology -based enterprises, and show the firm determination of Wenzhou's "continuing to write innovative history" to the whole society. By strengthening information sharing with the Municipal Science and Technology Bureau and other departments, the scale of financing such as loans and intellectual property pledge financing has been further improved. As of the end of July, the city's intellectual property pledge financing balance was 9.454 billion yuan, an increase of 1.554 billion yuan from the beginning of the year; the balance of credit loans of science and technology enterprises accounted for 17.2%; the medium and long -term loans of science and technology enterprises accounted for 41.2%.

At the same time, the use of full use of scientific and technological innovation special re -loan is also the "big move" of Wenzhou to promote institutions within their jurisdictions to provide preferential financial support for enterprise technology research and development, especially for small and micro enterprises. As of now, the city's financial institutions have reportedly reported to 1,275 companies that meet the conditions of scientific and technological innovation and re -loan.

The word "people" is the head, strengthen service small and micro enterprises

The private economy is the background of Wenzhou's economy, especially a large number of small and micro enterprises, and it is also an important force for economic development. The Zhongzhizhizhi of the People's Bank of China has always regarded small and micro enterprises as the top priority of various tasks, and strives to break the dilemma of "difficulty in financing and expensive financing".

This year, the China Secretary of China and the China Branch Association and the Banking Insurance Regulatory Bureau and the Market Supervision and Administration Bureau carried out the "six special actions" of small and micro -main body, established a list of 600,000 small and micro -mains, and organized visits to docking. At present, the special operation has promoted banks to visit more than 50,000 companies, more than 100,000 individual industrial and commercial households, and expand 6,700 first -loan households, of which 6,658 were small and micro enterprises; the first loan amount was 17.55 billion yuan.

At the same time, the construction of the small and micro -main financial service stations in the city has been comprehensively promoted, and 13 small and micro -main financial service stations have been established. The Zhongdi branch of the People's Bank of China has successively jointly promoted the market supervision bureau in the wholesale market and the industrial park to deepen the application of loan code scenarios. Since the beginning of this year, a total of 2,6667 market entities in our city have issued financing through loan codes and obtained a loan of 34.41 billion yuan.

The implementation of the inclusive micro -loan support tools, the same effect is significant. Since the beginning of this year, the city has issued the inclusive small and micro loan support tools for the incentive funds of 17.227 million yuan, leveraging the new inclusive small and micro enterprise loans of the legal person institutions in the jurisdiction of 11.33 billion yuan.

On the one hand, it is to expand the financing channel, and on the other hand, the financing cost is reduced. There are two sets of data that can explain the problem: inclusive small and WeChat loans increased by 7.098 billion yuan, a growth rate of 32.9%, which is 15.8 percentage points higher than the growth rate of various loans; The interest rate of corporate loans was 5.01%, a year -on -year decrease of 0.22 percentage points. The market entity financing cost was at a historically low level.

At the same time, the Zhongzhi branch of the People's Bank of China also actively promoted the expansion of direct debt financing business, supported enterprises to carry out direct debt financing, increased the proportion of direct financing, optimized debt financing structure, and reduced the cost of direct financing of enterprises. For example, promoting Industrial Bank to continue the issuance of technical property securitization products, and successively promoted the issuance of a total of 5.2 billion yuan in capital bonds for the issuance of Bank of Wenzhou and Dongtou Rural Commercial Bank. Ensure the field of people's livelihood and stabilize the basic market for development

Pour the "living water" of finance, promote steady growth and protect people's livelihood. Since the beginning of this year, Wenzhou City has supported the continuous and increased financial support for key infrastructure, and stabilized the basic market for economic and social development: United and Reform Commission of the Municipal Development and Reform Commission issued a list of recommended projects for Yinxiang cooperation in Wenzhou in 2022 to sort out transportation, water conservancy, urban construction, etc. There are 118 field projects, involving an investment amount of 192.5 billion yuan, and guide banking institutions to actively meet the city's new construction, construction and renewal key projects; actively promote the number of new loans of 800 billion yuan, and the financial instruments of 300 billion yuan A group of policy tool funds were 1.01 billion yuan; the banking institutions were organized to carry out normalized docking and feedback on financing support according to weekly. At present, the eight financial institutions in the jurisdiction have completed the "full coverage" of 19 projects.

The help of finance is really reflected in the income for the people. The China Bank of Wenzhou City has fully increased the re -loan and re -displaying, focusing on improving the support of business loan support of small and micro enterprises, individual industrial and commercial households and other groups, and exerting the effect of increasing the poverty reduction of weak groups. As of now, the city's re -loan re -discount balance was 38.405 billion yuan, a year -on -year increase of 10.59 billion yuan.

Financial support for housing leasing also has better guarantee. This year, the loan related loans of affordable leased housing are clearly not included in the centralized management of real estate loans, and it has also increased the distribution of affordable housing loans. At the end of July, the city's affordable housing development loans increased by 11.19 billion yuan, an increase of 10.74 billion yuan year -on -year. At the same time, through the implementation of differentiated housing credit policies, the first set of house loans accounted for 93.3%of the first set of housing loans. In August, the mainstream interest rate of the first home loan of the banking institution was about 4.1%, which was about 135 basis points from the beginning of the year, and at a lower level in the province.

With the support of the financial industry's in -depth promotion of the expansion of the increasing expansion of the entrepreneurial guarantee loan, entrepreneurial employment has a better development environment in Wenzhou. At the end of June, the city's entrepreneurial guarantee loan balance was 267 million yuan, an increase of 65 million yuan year -on -year. At the same time, the Central Branch of Wenzhou City also actively promoted legal entities within its jurisdiction to increase the issuance of large -scale deposits, enrich the investment channels of residents, and improve the property income level of residents.

A number of innovation measures related to agriculture comes out of "common rich" results

Right now, "rural revitalization" and "common prosperity" are undoubtedly high -frequency hot words. Increased agricultural loans is also one of the efforts to help the local economy in Wenzhou City.

This year, the Xinzhou City Branch issued relevant policy documents on increasing credit support for new agricultural business entities, and jointly established a list of family farms, agricultural special enterprises, etc. , Continue to deepen the financing model of farmers' assets, and further revitalize the "sleeping" assets that are idle for farmers. At the end of June, the balance of farm house mortgage loans in the city's bank institutions was 10.23 billion yuan, and 22,000 farmers were supported; 10.92 billion yuan of farm house reconstruction loans, supported 29,000 farmers; Essence

Under the leadership of industry innovation, the "Trinity" credit services across the city continued to deepen. For example, in Ruian, the Zhongdan branch of Wenzhou City encouraged Ruian Rural Commercial Bank to use big data technology to build a "trio" comprehensive information platform to deepen the "three -in -one" intellectual farmers and wealth application scenarios, innovate the "three -in -one" Xinnong Card, "without the seed field ", Worry -free loan" and other special products. From January to August of this year, a total of 10,494 agricultural credit cards were issued. Relying on the Zhi Farming Platform System, 7,551 household credit was completed, with a credit amount of 403 million yuan.

In addition, more and more financial "keys" that help farmers and peasants have been precisely sent to the fields, especially helping the five counties in the mountains to achieve leapfrog development. Since 2021, the Organization Department of the Zhongdao and United Municipal Party Committee of the Wenzhou Municipal Bank of China has selected 2,322 common wealthy financial commissioners from 14 financial institutions in the city, covering the city's rural villages to carry out financial settlement assistance work. As of the end of July, the common wealthy financial commissioner resolved a total of 9,850 difficult households, supported 39,000 households in supporting entrepreneurship, and nearly 750 million yuan in loans for new village collective organizations.

Under the connection of the docking of the Communist Party of China, financial live water has gained rich results in the countryside. Since this year, under the guidance of the Central Branch of Wenzhou City, Pingyang County has innovated products such as "agricultural innovation" and "five fresh loans"; Yongjia County innovatively launched homestay operation rights, ecological species management rights, live pledge pledge and other products. As of the end of July, the balance in the five counties in the mountains of the city was 366 billion yuan, a year -on -year growth rate of 13.9%; the loan balance was 383.76 billion yuan, a year -on -year growth rate of 20.3%, 3.2 percentage points higher than the city's average growth rate.

Wendu reporter Zhu Bin

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