30 billion yuan bailout small and micro enterprises help stabilize the economic market

30 billion yuan bailout small and micro enterprises help stabilize the economic market

Zhou Xianlian

Hubei Huanggang's Rural Commercial Bank system conscientiously implements the decision -making and deployment of the Party Central Committee and the State Council to stabilize the economic market, and use the advantages of local legal entities and mechanisms to promote service sank, increase financial support for market entities, help stabilize the economy to stabilize the economy The market. As of June 30, the balance of loans of Huanggang Rural Commercial Bank system was 94.5 billion yuan, an increase of 8.2 billion yuan from the beginning of the year, of which the balance of micro -loan reached 32 billion yuan, an increase of 9.1 billion yuan from the beginning of the year.

"Financial Village Officer" serves rural revitalization

"With these 300,000 yuan, it is even more angry to collect tea in the second half of the year." Recently, Master Xia, the owner of the tea factory in Henan Village, Henan, Yangliuwan Town, Yingshan County, told the customer manager of the Yingshan Rural Commercial Bank in the village. Master Xia is an old tea man. In addition to his own tea garden, he also established a professional tea professional cooperative to drive 30 tea farmers to increase their income. Henan Village, Henan, is known as the "Yingshan Tea First Village". To help the village's tea industry upgrade, Yingshan Rural Commercial Bank sent "Financial Village Officer" to carry out "whole village credit" in the village. At present, , 73%of the farmers in the village have received credit, with a credit balance of 16.56 million yuan, and 27 households use letters and obtain 5.88 million yuan. Among them, 9 tea industry related enterprises and farmhouses have obtained "rural tourism loans", "Jingchu well -off belt "2.25 million yuan. With the support of Yingshan Rural Commercial Bank, the village's tea farmers increased their income of 16,000 yuan per capita, and were rated as the "National Village, One Product Demonstration Village" by the Ministry of Agriculture.

As of the end of June, the Huanggang Rural Commercial Bank system has selected 717 "financial village officials", "credit" of 2212 administrative villages, 434,000 households, pre -granted 35,100 households, and 167.39 farmer loans. 100 million yuan.

"Send Code Credit" facilitates individual industrial and commercial households

Not long ago, Boss Liu, Huajiahe Old Street, Huajiahe Old Street, Hong'an County, prepared to supplement the goods in order to prepare for the promotion. Collecting information, just one hour of "code business E loan" for it, successfully arrived at 300,000 yuan. Looking at the text message from the loan funds, Boss Liu was surprised and sighed: "It's so convenient for the funds to get the account? But it really solves my urgent urgent!".

In order to solve the problem of collecting money and financing of individual industrial and commercial households, Hongan Rural Commercial Bank Huajiahe Sub -branch carried out the streets, commercial areas, and market visits to make a grid combat map of the township area, divided the four streets to divide the responsible area, Establish two groups to docking by households to take the initiative to send code payment and credit services for individual merchants. At present, 183 individual industrial and commercial households in the town of the branch have handled the payment code with a total credit amount of 36.6 million yuan.

As of the end of June, the Huanggang Rural Commercial Bank System has handled 379,500 receiving codes for individual industrial and commercial households in the city, a credit of 9.989 billion yuan, and a code business micro -loan of 1.326 billion yuan.

"Tax Credit" becomes real gold and silver

"I did not expect that it was a busy loan without mortgage. It was really a lot of help." The person in charge of a textile company in Longxian Lake District said excitedly. The company is a local private enterprise. The product is at a leading level in the industry. It is affected by the recent rise in logistics costs and raw materials. It is facing the dilemma of insufficient capital turnover and no loan mortgage. Xu Gang, the president of the Dragon Lake Sub -branch, learned about the situation in the park's visit and learned that the company had good tax taxes, and immediately tailored the exclusive product "Information tax E loan" for customers. In just one day, 3 million yuan of loans were successfully issued.

"Tax E loan" is a "tax bank" interactive product launched by Rural Commercial Bank relying on the tax platform. The biggest feature of this product is to use the tax integrity of enterprises as the benchmark for loan lending and adopt the "tax fixed loan" method to approve the loan amount for the enterprise. The financing threshold and financing cost of small and micro enterprises are generally reduced.

As of the end of June, the city's Rural Commercial Bank had issued 376 million yuan in "tax e loan" to 630 households.

Active as an empowerment of "specialized new"

A Hubei Environmental Protection Co., Ltd. is an environmentally friendly enterprise focusing on the regeneration and high -quality utilization of abandoned resources. It is a key project in Hubei Province and a key investment enterprise in Huanggang City. In September 2021, the company was included in the national "specialized specialty New "white list company. Due to the large investment in the early stage, the mobile funds were relatively tight. In 2020, Huanggang Rural Commercial Bank Dongpo Sub -branch took the initiative to come to docking, using the inventory pledge loan method to issue 20 million yuan to the "Jingchu Development Loan" to supplement the mobile funds in a timely manner. In May of this year, in order to serve the city's steady growth and implement the "reduction of expenses" policies, Rural Commercial Bank took the initiative to reduce its loan interest rate by 1%, promote the company's pressure reduction operating costs, achieve stable operations, and strengthen and strengthen.

As of the end of June, the city's agricultural and commercial bank system has issued a loan of 663 million yuan to 54 "specialized new" enterprises.

"Politics and Credit Credit" helps enterprises relieve reasons

A Macheng City Trading Co., Ltd. mainly operates a home furnishing square in Macheng. At present, more than 80 domestic (international) front -line home building materials brands have settled in. Earlier this year, during the visit, the Macheng Rural Commercial Bank Development Zone Sub -branch learned that the company lacked mobile funds due to decoration and upgrading, daily operations, and the characteristics of its good operating conditions but lacking mortgage. After the recommendation of the industry chain leading department and the publicity of Huanggang City, it successfully included it into the white list of "Politics and Credit Credit". On April 12 this year, it received a credit and distributed 10 million yuan. At the same time, Macheng Rural Commercial Bank organized a special class to visit the company's upstream and downstream supply chain enterprises and settle in merchants. At present, a total of 10 loans have been issued for 4 million yuan to handle public accounts for 6 companies, and 31 merchants are handled. Receive code. In order to ensure the implementation of the financial bailout policy, Huanggang Rural Commercial Bank deepened cooperation with the "provincial re -loan and provincial agricultural loan" business, actively putting on "re -loan, agricultural loan", and continuously doing the size of new "political and banking" business. At the same time, strengthen cooperation with the Municipal Financing Guarantee Group, actively expand the "financial bank increase credit", make full use of credit risk compensation, and provide loan support for eligible unsecured or anti -guarantee companies.

As of the end of June, the Huanggang Rural Commercial Bank system has issued a loan of 603 million yuan in 151 companies in the three batches of credit risk compensation for three batches of credit risk compensation.

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