Stable Economic House • Financial Experts said | Putuo Rural Commercial Bank Miao Jun: Ensure that market entities should loan due to loans

In the case of opening: Since the beginning of this year, in order to cope with the economic downturn and the epidemic situation on the normal production and operation of market players, the Zhejiang Banking Insurance Regulatory Bureau has strengthened supervision and leadership, guided the banking institutions in the jurisdiction Renewal loans and other mechanisms, iterate up the establishment of a "continuous loan+flexible loan" model, comprehensively improve the sense of gain and sustainability, and boosts the development confidence of the enterprise. From now on, the Zhejiang Banking Regulatory Bureau and the Science and Technology Finance Times will open a column of "Stable Economic House • Financial Experts" to contribute financial talent and strength to common prosperity and modernization of the provincial region.

Miao Jun, Secretary of the Party Committee and Chairman of Putuo Rural Commercial Bank

Pick up the responsibility and move quickly to ensure that the market entity should loan due to loans

Miao army

In order to help market players deal with downward pressure on the economy, promote the stable recovery of the real economy, restore normal operations, implement 33 policies and measures of the State Council's stability of the economy, and the spirit of the economic progress of the Zhejiang Banking Insurance Regulatory Bureau. Introduced a package to stabilize economic policies, give full play to the role of financial water, and strive for comprehensive and full coverage to promote the direct landing of various policies.

As a native local financial institution, Putuo Rural Commercial Bank firmly grasps the requirements of "the epidemic should be defended, the economy must be stabilized, and the development must be safe", actively carrying the responsibility of the local financial vanguard, and comprehensively helping the implementation of the policy measures of the economy's package. After detail, establish a long -term mechanism for the "dare to loan, wishful loan, energy loan, and loan" of the financial service market, so that the market entities can get loan, easy loan, fast loan, and good loan.

Putuo Rural Commercial Bank improves its positions, moves rapidly, puts the economy and stable growth in a more prominent position, closely focuses on the implementation of the policy measures and measures of the Economic Paris and the Rural Commercial Bank system of the Zhejiang Banking Insurance Bureau. The spirit of the work deployment meeting was established as the team leader of the chairman, and the remaining leaders of the leadership team was the deputy team leader. On the basis of the original "Opinions of the Eleven of Financial Anti -Epidemia", innovate and integrate ten upgrade measures to help "dual guarantees" benefit enterprises.

Actively give play to the role of financial support entity, separate 1.5 billion yuan of special credit funds, through the establishment of green channels, continuously improve the quality and efficiency of financial services, and fully support the diseased, agriculture, catering, sports, transportation, water processing, etc. Industry resumption and production. As of the end of May, the balance of various deposits of the entire bank was 22.727 billion yuan, an increase of 2.457 billion yuan from the beginning of the year, and the loan balance was 1.7677 billion yuan, an increase of 2.564 billion yuan from the beginning of the year. First, the "acceleration" of the agricultural commercial bank supports the high -quality development of the local economy.

In order to implement the spirit of the Zhejiang Banking Insurance Regulatory Bureau's steady improvement of quality and quality, Putuo Rural Commercial Bank has formulated and introduced the work measures for the "dual guarantee" to benefit enterprises with ten upgrade measures, and promoted 13 items The policy implementation list is organized to organize special service activities for "helping enterprises and solve problems". Through strengthening overall guidance and performance assessment, in -depth promotion to help the enterprise rescue work, guide the bank to increase the loan investment of loans and first loan household loans for single households, especially less than 1 million yuan, to promote small and micro enterprises Increased financing, expansion, and price reduction, a total of 300 million yuan of inclusive small and micro enterprises has been added. Since June, a large number of visits to the stock customers have been carried out, a total of 6,256 households have been sorted out, and they have taken the initiative to propagate a package policy to understand their bailout financial needs, form a list of problems and solutions, and successfully connect to additional credit to 108 million yuan.

Comprehensively establish a "continuous loan+flexible loan" mechanism. In response to the daily liquidity of corporate customers, the "corporate circular loan" is launched to facilitate corporate customers to solve the needs of daily mobile funds, realize a rated, circular use, and repay, which greatly facilitates loan funds lending and repayment. As of the end of June, the loan had issued a total of 959 households with a amount of 653 million yuan. In response to the temporary loan repayment difficulties and capital turnover pressures during the loan of enterprises, the continuous promotion of non -repayment loans such as "renewal loan" and "extension loan". Enterprises that meet certain conditions can enjoy the automatic loan period to automatically extend the service, and further simplify the non -repayment loan procedures. As of the end of June, a total of 653 renewal loans have been accepted, with a amount of 271 million yuan. At the same time, the entire bank sorted out the loan list during the year, and implemented the "list system" extension of the principal and interest. Extension and continuity, the cumulative extension of 208 households will be implemented, with a amount of 458 million yuan.

As the main force of rural finance, Putuo Rural Commercial Bank focuses on comprehensively promoting rural rejuvenation and common prosperity, strengthened financing support for key areas and difficult areas. Special credit funds of 600 million yuan, continuously supply oxygen and blood transfusion to oxygen -based fishing and aquatic processing enterprises that have difficulty in operating, helping enterprises through difficulties. In terms of serving the homestay industry, the implementation of interest -free restraints in the hostel industry loan, based on the general low -rate interest rate in the early stage of the epidemic, investigate the operation of the owners of the homestay, implement the "one household and one policy" reduction policy, and the homestay operating outside the foreign rental house operation. Loan households are exempted from the monthly loan interest in accordance with the principle of "not applying for", and effectively help the important industrial operators in the jurisdiction to relieve the difficulties. News+

The Zhoushan Banking Insurance Regulatory Bureau promotes financial support for the stability of the economy and a policy of precise and direct enterprises

In order to comprehensively implement the Party Central Committee, the State Council, the Banking Insurance Regulatory Commission, the Zhejiang Banking Regulatory Bureau, the Zhoushan Municipal Party Committee and Municipal Government's relevant economic steady quality and quality decision -making deployment, the Zhoushan Banking Insurance Regulatory Bureau will quickly act and set up a special working group as soon as possible to study 42 key tasks were introduced to give full play to the role of financial water in the banking industry insurance industry, and the full -scale and full coverage promoted the direct rescue policies to reach the market entity.

The first is to build a special work mechanism faster. The policy requirements are conveyed at the first time, the work notice is issued, and a key task list of policies is formulated in accordance with the principle of "operating, quantified, and evaluation", 42 key tasks are refined, and the implementation standards, time nodes and specific implementation of each task are clarified Requires to ensure that various policies are quickly, accurate, and effective. Staring at the "first leader" of the institution, conduct telephone supervision one by one, and promote the bank insurance institutions within their jurisdiction to quickly establish a special leadership group with the "first leader" as the team leader, clarify the internal working mechanism, determine work measures and goals to determine the requirements of the policy one by one, form a detailed refinement Implement the plan. The principals of the bank insurance institutions in the jurisdiction were called in a timely manner, and reports to the implementation of the implementation of the implementation of the implementation of the implementation. The progress of various policies and measures is monitored by weekly. Pay close attention to the actual effects of policy conduction to ensure that the policy requirements are transmitted to each grass -roots outlets and each grass -roots employee to prevent the policies from rotating.

The second is to rescue various market entities. Encourage banks and small and medium -sized enterprises (including small and medium -sized micro -enterprise owners) and individual industrial and commercial households, truck drivers, and people who are affected by the epidemic situation to negotiate, and repay their principal and interest on the implementation of their loans, and strive to delay. Deepening the "dual guarantee" to help financing is not limited to the affected enterprises affected by the epidemic, supporting more prospects but lacking funds, small and medium -sized enterprises, and inferiority of business indicators, but the fundamentals are still controllable and timely blood transfusion is expected to recover. Enterprises, accelerate the expansion of "dual guarantees" to help financing increasing, and give more enterprises incremental credit support. Scientific matching loan period and enterprise production and operation cycle, accelerate the construction of the "continuous loan+flexible loan" mechanism. Promoting the application of non -renewal loans, medium -term mobile funds loans, and "repayment" products should be renewed for enterprises that meet the conditions of renewal. Promote actively striving for policy support, expand the scope and coverage of interest rate reduction tools such as interest rate reduction coupons, reducing loan interest rates, and interest -receiving interest returns, and effectively reduce the burden of repayment of the borrower. Encourage insurance institutions to take measures such as extended insurance periods, reducing premiums, and extension of premium payment time for operating vehicles suspended from the epidemic cause. Extend the period of food safety liability insurance, reduce the insurance rate of bidding for project bidding, and improve the response efficiency of insurance services.

The third is to further promote the policy of direct policies. Concentrate to organize the special service activities of "helping the enterprise and solve the problem", and actively obtain a list of key enterprises, key foreign trade and foreign -funded enterprises, epidemic prevention materials production enterprises such as key foreign trade and foreign trade, and other enterprises. Enterprises in the field have carried out household visits, and on -site publicity financial support for the stability of the economy, understanding its bailout financial needs, forming a list of problems and solutions to ensure that reasonable relief meets in a timely manner. Urges banking institutions to arrange for a person to take the logistics enterprise or individual industrial and commercial households that take off the disease prevention and control and emergency transportation tasks, and give priority to issuing new loans or renewal. Publish financial -benefit enterprise policies in a timely manner in the policy zone of the enterprise code, and promote the promotion of the policy points of the bank insurance institutions to produce graphical and displayed policies at each business outlet. Object -oriented, processing processes, consulting telephones, etc., and playing corresponding content through audiovisual equipment such as electronic display screens, LED horse racelights, etc., strive to know the policies and enjoy it.

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