Jinhua Banking Insurance Supervision Branch issued the "Ten Articles of Stable Enterprises and Enterprises": Financial Stability Enterprises and Enterprises Policy Policies are precisely landed

In order to implement the policy measures of the Party Central Committee, the State Council, the CBRC, and the Provincial Party Committee and the Provincial Government, the Jinhua Banking Insurance Regulatory Bureau took the initiative to make efforts to set up the economy in accordance with the Jinhua Municipal Party Committee and Municipal Government's steady quality and quality. Steady into the work class of the quality of quality and improvement, study and introduce the "ten articles of stabilizing the enterprise to relieve the hardships", and simultaneously formulate a special supervision work plan, follow the weekly tracking policy to advance The policies of various benefit enterprises have accelerated direct to various market entities to provide a strong guarantee for the high -quality development of the city's economy and society.

Reduction for money to increase corporate financing "gold content"

The Jinhua Banking Regulatory Bureau actively guides the bank insurance institutions within its jurisdiction to deeply meet the latest requirements of the Party Central Committee for financial work, adhere to the inclusiveness and people's nature of financial services, effectively enhance the sense of social responsibility, continue to deepen the cost reduction, and help enterprises to cross the difficulties.

Ningbo Bank of Jinhua Branch personnel come to small and micro enterprise services

Ningbo Bank Jinhua Branch has launched interest -free loans of 1 billion yuan to enterprises, which is suitable for RMB mobile funds loans. The maximum interest -free amount of single households can reach 10 million yuan, and the interest -free period is not more than 3 months. The bank actively screens enterprises that have difficulty in the transfer of the epidemic affected by the epidemic, as well as key support enterprises such as inclusive small and micro, specialized in specialty, and green credit to promote relevant policies from households.

Zhejiang's boiler manufacturing Co., Ltd. has a credit customer for the stock of Ningbo Jinhua Branch. Due to the impact of the epidemic, corporate workers cannot go to the construction site to install equipment, which makes the project unable to deliver it on time, and the payment is difficult to return. In June, the behavior of the behavior of the customer turned to a loan of 5 million yuan, the interest rate was less than 4%, and enjoyed interest -free 3 months to reduce the cost of corporate financing. As of now, the bank has invested 90 interest -free loans with a amount of 260 million yuan, and the cost reduction has allowed a profit of about 2.614 million yuan.

For operating individual industrial and commercial households, the Bank of Ningbo Jinhua Branch has launched inclusive loan discounts. In addition to interest rate discounts, it can also enjoy phased interest reduction discounts. As of now, the bank has handled 293 inclusive loan -through -Tong business, involving a amount of 254 million yuan; Lutong business was 1,595 households, involving an amount of 85 million yuan.

Small and medium -sized enterprises are an important force for national economic and social development, and it is an important part of stabilizing the economic market. Since the beginning of this year, Zhejiang Commercial Bank Jinhua Branch has introduced 35 stabilization of the economy for seven aspects, and continues to increase service support and guarantee for private enterprises, small and micro enterprises, and strive to make "timely rain" for small and micro enterprises. Since the beginning of this year, the bank has issued more than 3.9 billion yuan in loans for 1748 small and micro enterprises in the city.

Employees of the business department of Jinhua Branch of Zhejiang Business Bank for business

"For small and micro enterprises affected by some of the epidemic, we arranged 25 million yuan of special funds. For customers who meet the conditions of exemption, they should be exempted from from May 2022 to the end of March 2023." Zhejiang Commercial Bank Jinhua Jinhua. According to the relevant person in charge of the branch, the Jinhua Branch of Zhejiang Commercial Bank really implemented various policies to help small and micro enterprises develop a "one foot".

Strengthen innovation and improve corporate financing "convenience"

Focusing on the issue of mismatching and frequent loans of corporate financing, the guidance agency of the Jinhua Banking Regulatory Bureau sorted out, absorbing renewal of renewal loans, medium -term mobile funds loans, circulating loans and annual review loans, etc. Establish a "continuous loan+flexible loan" mechanism to effectively stabilize the stock financing of small and medium -sized customers.

Tailon Bank of Jinhua Branch customer manager visiting enterprises

Tyrone Bank Jinhua Branch focuses on the urgent needs of small and micro enterprises, individual industrial and commercial households, and based on fully summing up the experience of long -term small and micro financial services, to create a "continuous loan+flexible loan" "4+1" model for different financing needs characteristics. Long -term credit and short -term control "operations, develop" relay loans "," long industry loan "," e -E loan "," annual review loan ", and sign a long -term credit contract with small and micro enterprises, and make full use of big data , Create a "after precision loan" model, automatically identify high -risk customers in the system, assist the grassroots to carry out daily "short -term control" operations, effectively improve grassroots risk control capabilities, and allow the grassroots to promote "continuous loan+flexible loan" products. "Energy loan" "dare to loan".

A cargo transportation department in Jinhua Wucheng operated the transportation from Jinhua to Hubei. Before the epidemic, due to the purchase of fixed asset financing of 2 million yuan, the repayment period was imminent. Mr. Fu, the owner of the business owner, was very anxious. Investigation and visits, after learning about its current operating conditions, assets and liabilities, and family stability, they all meet the requirements of renewal loans. On the day of the loan expiration, a "relay loan" loan product was issued, which solved Mr. Fu's urgent urgent urgent urgent eyebrows. Essence

Knowing that there are products such as "relay loan", Mr. Fu was relieved to be seamlessly connected with repayment and renewal loans.

Based on the financing characteristics of small and micro enterprises, Ningbo Bank Jinhua Branch launched the "transfer loan" product, focusing on solving the problem of transfer loans and reducing the cost of corporate transfer; launching "online fast -examination fast loan" products, relying on the cloud evaluation system to achieve application application The evaluation and approval links are online, and they will be borrowed within the quota to help enterprises improve their flexibility. As of the end of May, the Bank of Ningbo Jinhua Branch has accumulated a total of 210 "transfer loans" business this year, involving 66 enterprises, with a transfer amount of 108 million yuan.

Optimize services to enhance corporate financing "sense of gain"

The Jinhua Banking Regulatory Supervision Bureau combined with "big research" and "three services" and other activities to conduct visits, discussions, and investigations in the grassroots and enterprises, master the actual situation of bank insurance outlet services and difficulty in business operations, understand the financial demands of various market entities, and strive to work hard Solve the difficulty of blocking the policy in the process of policy landing, and guide the bank insurance institutions within their jurisdiction to continue to optimize financial services. Customer manager of Jinhua Agricultural Bank of China Visiting Enterprises Provide financial services to provide financial services

The Agricultural Bank of China Jinhua Branch adheres to the temperature services with temperature to help enterprises fight against the epidemic. In accordance with the principles of "special affairs and special office, urgent affairs, priority support", actively touches enterprises and individual industrial and commercial households through WeChat, telephone, visits and other methods. Establish a one -to -one account to ensure that the credit support for key areas and difficult industries will be in place in the shortest time.

Dongyang Suer Cold Chain Logistics Co., Ltd. is one of the important companies in the local express service industry. The number of orders has always been at the forefront in the Dongyang area. Affected by the epidemic, the company's turnover funds are facing a certain gap. "Now the epidemic has a greater influence on us, the logistics delivery speed is slow, and occasionally there is the situation of" back car ". Customer funds have slowed back, and our account period becomes longer." Zhu Qizheng, the company leader Zhu Qizheng Said.

In the process of carrying out the "warm enterprise, warm business warm farmers" visits service, the Agricultural Bank of China had learned about the situation of enterprises, quickly opened up the green channel of loan, the home service collected information as soon as possible, and within 3 days, the 700,000 yuan " The issuing E -loan to the enterprise has timely resolved the capital needs of the enterprise and ensured the normal operation of the enterprise and the salary of employees.

In addition, the bank strengthened the allocation of resource allocation on the inclusive small and micro business, and established the product system of online and offline two -wheel drive to solve the difficulty of corporate financing. Continue to increase the investment in credit loans, first loan business, renewal business, and medium- and long -term loan business, and use financial instruments to help enterprises grow.

The Jinhua Branch of Tyron Bank launched 4 aspects of 15 to help companies to help the enterprise rescue measures, solidly carry out corporate visits, establish a leading group to help small and micro economic work, take the lead in carrying out the "big visit" activities of small and micro enterprises, in -depth understanding of small and micro enterprises' financial services Pain points are difficult to block, publicity and explanation of various preferential policies inside and outside, accurate service, effective empowerment. Take the initiative to provide wisdom services, systematically sort out the local rescue measures to help enterprises, and form a series of "Policy Booth" series of product packages. Through outlet notices, electronic channels, customers visit, online and offline special lectures, etc., actively push to market entities to push to market entities Policy information, processing methods, etc., do a good job in the policy, ensure the rapid results of the policy, and open up the policy of "last mile". Accelerate the improvement of online capabilities to promote digital transformation, and actively develop online finance by continuously exploring the "cloud survey" model, promoting online electronic contracting, simplifying some business processes, and improving financial demand response, approval, speed of processing, improve customer service Experience.

Source: Zhejiang Daily, authors: Zhu Zheping and Chen Lixia. The copyright belongs to the original author.

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