Shinang Huangchuan County: Grasp the "Six Characters" to help stabilize the company to relieve the rescue

The market entity is the "main engine" of economic development, and the main body of the market has stabilized the basic economic market and the people's livelihood. Since 2022, the PICC Huangchuan County Sub -branch has actively implemented the work arrangements of "steady growth and stability and stable market entities to maintain employment", based on the actual situation of the district, guiding financial institutions from the six -character policy of "slowing, increasing, convenient, down, service, and living". Continuous efforts have strongly supported the steady development of the county market subjects.

The first is "slowing", that is, the inclusive small and micro enterprises with difficulty in operating the loan delay. The People's Bank of China requires banks to increase their efforts to help enterprises, and guide financial institutions to extend the repayment of inclusive small and micro -expired loans that have temporarily operating difficulties. According to statistics, since 2022, 10 county financial institutions have handled 296 delay loans for inclusive small and micro enterprises, with an amount of 340 million yuan, which has effectively alleviated the problem of corporate capital turnover. With the support of the Pratt & Whitela Decreasing Policy tools, the legal entity Huangchuan Rural Commercial Bank has handled a total of 105 delay loans, 117 strokes, and an amount of 470 million yuan since June 2020. The extended amount ranks first in the city's legal person financial institution.

The second is to "increase", that is, the increase in the increase in loans of inclusive small and micro enterprises has been steadily increased. As of the end of April 2022, the balance of inclusive small and micro loans in the financial institutions in Huangchuan County was 3.45 billion yuan, a decrease of 140 million yuan from the beginning of the year, a year -on -year growth rate of 5.8%. Considering that the county's agricultural and commercial bank and Central Plains Bank have concentrated on the nuclear sales factors for inclusive small and micro loan, after the data is restored in accordance with the policy requirements, the actuality of the financial institutions in Huangchuan County has actually added 1174 households in the new inclusive small and micro enterprises. The amount is 410 million yuan, and the new inclusive small and micro loan is 1898, with an amount of 630 million yuan, which strongly meets the capital needs of inclusive small and micro enterprises.

The third is "convenience", that is, guiding financial institutions to handle inclusive small WeChat credit loans, first loans, and launching special bank -enterprise docking. Since 2022, financial institutions in the jurisdiction have handled 1118 inclusive small and WeChat loans, 270 million yuan in amounts, 899 household loans for inclusive small and micro, and 260 million yuan. The proportion of credit loans and first loans has gradually increased. At the same time, the People's Bank of China has formulated and issued the "Implementation Plan for the Conduct of the Financial Warm Commercial Warrior and Normal Banking and Enterprise Enterprises of Huangchuan County", which requires all banks to organize and carry out special bank -enterprise docking activities regularly or irregularly. Since 2022, various banks have adopted a combination of "online+offline" to hold more than 40 banks and enterprises, and used the "Huangchuan Financial Cloud Exhibition Hall" online platform to realize 7* of loan customers and bank credit personnel. In the 24 -hour real -time docking, the platform has accumulated more than 2,000 people since this year.

The fourth is to "reduce", that is, to promote the reduction rate and cost reduction of financial institutions. According to statistics, at the end of May, the average interest rates of the four inclusive small loans of China -Nongzhong Bank of China were 3.65%, 3.85%, 3.85%, and 4.0%, respectively, down 54 BP, 42 BPs, and 50 BPs from the end of 2020, respectively With 50 BPs, corporate financing costs have been further reduced. For specialized new and technology -based enterprises, some banks can also handle 50%discounts in accordance with qualified enterprises. The minimum comprehensive financing cost of enterprises can reach 1.9%of the annual interest rates. Continue to expand the results of reduction of costs. Since October last year, the financial department of Huangchuan County has accumulated a total of 894,000 yuan in financial services such as the management and transaction fees of market entities, and benefited 6,361 small and micro enterprises. Effectively do a good job of tax refund services for the state treasury. The cumulative business has been handled 4149 and the amount is 76.37 million yuan, an increase of 165%and 355%year -on -year, respectively.

Fifth, "serving", that is, the support of key financial services projects, agriculture -related, characteristic industries and other fields. Instructing agricultural issuance to play the advantages of policy banks, keeping an eye on key project projects in the county. At present, 5 projects (Xiaohuanghe Ecological Governance, Development Zone Logistics Park, Gazari Reconstruction, Construction of Loans and New City East District Road Network Construction) Credit 100 million yuan, it is expected that the loan will be invested 800 million yuan in 2022. As of the end of April 2022, the balance of agricultural loans in Huangchuan County was 21.89 billion yuan, accounting for 90.4%of various loans. Continue to strengthen the supply of credit in the agricultural field, and guide rural commercial banks to innovate the "grain processing loan" credit products for the county's characteristic industries. As of now, this type of loan has been issued 220 million yuan to support more than 20 grain processing enterprises. Promote the cooperation of banks and government functional departments to achieve corporate business information sharing. For example, the Central Plains Bank and Tobacco Bureau cooperate with the tobacco bureau to innovate the "tobacco loan" of pure online credit products for the innovation of small and micro tobacco merchants. The withdrawal of withdrawal, loan, and annual interest rates are as low as 4.35%. At present, a total of more than 70 households have been issued.

Sixth is "living", which is a tool for using various monetary policy. In order to help achieve economic recovery and steady development, the People's Bank of China has successively introduced a series of monetary policy tools, such as supporting agricultural support small refinancing loans, inclusive small and micro loan support tools, carbon emission reduction support tools, etc. Essence In 2022, the guidance of the legal entity, Huangchuan Rural Commercial Bank, applied for borrowing 400 million yuan in the central bank's re -loan funds in accordance with the maximum limit, and ranked first in the city's legal entities. Give full play to the incentive role of inclusive small and micro loan delay to repay the principal and interest payment policy, and guide the Corporate Bank to handle a total of 470 million yuan in inclusive micro -micro loans since the implementation of the policy. This year, the central bank's rating restrictions cannot continue to enjoy policy support. At the same time, it promoted financial support for green development. By the end of March, the balance of green loans in Huangchuan County was 230 million yuan, an increase of 85 million yuan from the beginning of the year, and a year -on -year growth rate of 30.5%. Guide banks within their jurisdiction to use carbon emission reduction tools to support clean energy projects, such as: Huangchuan Agricultural Bank adopted an internal synapl method to support the "Huangchuan County Mahu Dedicated Wind Power Power Project", with a loan period of 15 years, an annual interest rate of only interest rates, and only an annual interest rate of only interest rates. It is 3.4%. Wen | Yang Le Xia Lei

Edit: Zhang Ke

Review: Li Jin

- END -