Love is the economic and cold help to stabilize the economic market

Love is the economic and cold help to stabilize the economic market

Hu Kaigui

The State Council stated at the TV phone conference on the national market to stabilize the economic market: "It is necessary to put the steady growth in a more prominent position, focus on protecting the market entities to protect employment and livelihood, and protect China's economic toughness." How to promote direct policies and stabilize the economic market? The Rural Commercial Bank, which is the main local financial army, will carry more responsibilities and mission.

"Emphasize" on credit release

A good policy is a powerful opportunity for accelerating credit. On May 30th, the General Office of the Hubei Provincial People's Government issued the "Several Measures on Strengthening the Enterprises for Enterprises to help Enterprises", the two central bank's two inclusive micro -loan direct reaching tools continued conversion, rural rejuvenation was comprehensively promoted, inclusive finance was carried out, The "top 50 county economy in the country", all kinds of resources and elements have accelerated to the "agriculture, rural" field and the real economy. These favorable policies and market environment brings new opportunities for the development of the business of Rural Commercial Bank. Large and platform. As of the end of June, Hubei Daye Rural Commercial Bank issued an inclusive small and micro loan of 4.375 billion yuan, an increase of 1.033 billion yuan from the beginning of the year, accounting for 96.63%of the net increase of various loans, and the central bank's inclusive micro loan support tool funds were 10.33 million Yuan.

The main business of micro -loan is a powerful starting point for accelerating credit. Through the "micro -loan revolution" and "five transformations of credit" in recent years, Daye Rural Commercial Bank has found the path to adhere to positioning, return to its origin and transformation and development, and realize the organic unity of credit business strategy and market demand. Simple and unified marketing design makes micro -loan a popular business of counter, effectively realizing the entire bank and full -person marketing. Various forms of product design enable micro -loan to achieve full coverage in various fields. The entrepreneurial passion of cadres and employees of all banks has gradually risen, and the vibrant credit ecology has gradually formed. As of the end of June, the entire bank had added 1.069 billion yuan in various types of micro -loans, accounting for 99.26%of the net increase of all loans.

The responsibility is the powerful guarantee for accelerating credit. The members of the team adhere to the "head geese effect", go deep into the front line, take forward command, politically improve the position, condense consensus in ideology, compact responsibilities in work, and tilt all resources such as manpower, material resources, and financial resources towards the front line to the front line Essence The employees of the whole bank know the responsibility, the weight and negativeness, the pressure of the pressure, and the pressure, and take the initiative to find the marketing point, to find the marketing point, on the door to serve the enterprise, move, run, quickly get up, and actively carry out "10,000 employees enter the small and micro" " Walking Wan Enterprise "," First Loan Treasure Planting "," Task Daspress Visit "and other activities, excavate the effective demand for market entities and projects, and increase funds. As of the end of June, the banks of the bank were 10.238 billion yuan, an increase of 1.077 billion yuan from the beginning of the year, an increase of 11.76%, an increase of 329 million yuan year -on -year.

"Warm people's hearts" in helping the enterprise rescue

Establish a customer inform mechanism. For the full return visit to the trapped enterprises, the bank accurately informed the enterprises to help the enterprise's rescue policies. The "loan" policy, comprehensively promote the "Zhoujin Rong" fast -loan service model, to avoid unnecessary financing costs caused by customers because they need to "repay the loan first". Mistration between income and loan periods.

Adhere to substantive risk judgment. The bank is rich in online consultation and online service channels. For postponed loans, it will not reduce loan risks and affect credit reporting records due to epidemic factors. This method of this and no renewal loans helped 415 individuals and enterprises to resist the impact of the epidemic, and spending time with market entities difficulties.

Implement the "reduction of money" policies. Continue to release the interest rate reform of the loan market quotation (LPR), implement the policy arrangement of the small re -loan interest rate of agricultural support, and strictly implement the agreement interest rates for the provincial agricultural burden, provincial re -loan, re -loan, and agricultural loans. Individuals and corporate customers are exempted from account opening fees and account management fees. All loan business prohibits any fees other than interest. The costs such as asset evaluation and mortgage registration in the process of credit business are borne by the Rural Commercial Bank. This year, the weighted average interest rate of various loans has decreased by 1.24 percentage points compared with the normal level. True gold and silver make a profit of over 21.35 million yuan.

"Real -reorganization" in the improvement of quality and efficiency

Innovate financial service model. Daeye Rural Commercial Bank focuses on solving the problem of "difficulty in financing, difficult guarantee, expensive financing", deepen the business cooperation with provincial agricultural burden, provincial re -responsibility, and small and medium -sized guarantee companies in the municipal small and medium -sized guarantee company, and build a platform for financing and credit increase. Special loans have accelerated the flow of flowing into the agricultural entity. As of now, a total of 150 agricultural support small re -loans have been issued and 204 million yuan. The cooperation agreement, vigorously promote the "entrepreneurial discount loan", establish a "dual review one" and "four -party joint meeting" system, and set a one -stop loan process for "entrepreneurial loan". Paste loans of 22.07 million yuan, while establishing a limited time for credit settlement mechanism to implement the "1351" service model, that is, "acceptance within 1 day, full -time investigation within 3 days, credit approval within 5 days, and 1 day feedback".

Strengthen the empowerment of fintech. The bank realizes batches of customers, improves loan efficiency, reduces the burden on grassroots customers' managers to maintain the burden on existing customers, fully relying on the "Jingchu Wuxing Loan Loan" micro -loan collection operation platform, implement the "863" digital "whole village credit" project, accelerate the promotion and application新一代“人码合一”获客平台、“楚天贷款码”申贷平台、智慧微贷系统，以“301”模式，提供线上贷款支持，即“3分钟申贷、0人工干预、 One -click withdrawal ". As of now, there are 1,0307 customers on the online "blessing E loan", which is added with 1,258 households at the beginning of the year, with a balance of 850 million yuan, an increase of 328 million yuan from the beginning of the year. Improve the quality and efficiency of "credit for the whole village". The bank fully meets the high -frequency and fast self -service financing needs of farmers, and selects party members and cadres with good political quality, strong business ability, and solid work style. Construction+Jingchu Well -off Loan "service model, establish online fast -moving, fast docking, and fast feedback mechanisms. As of now, 107 administrative villages have completed credit rating work, with a total of 29,700 households, pre -credit credit, and credit credit. 950 million yuan, fully supporting customers of agricultural regions to increase their income and get rich, and serve rural revitalization.

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