In the first half of this year, Hubei New Loan 431.3 billion yuan was made to help the company to help the enterprise to relieve the "blood transfusion and oxygen supply".

Jimu Journalist Liu Yan

Correspondent Li Xiaodong

"Helping to stabilize the company's rescue is the top priority of financial work in the first half of this year." On July 28, Li Bin, deputy president of the Wuhan Branch of the People's Bank of China, introduced at the third quarter news ventilation. 431.3 billion yuan, an increase of 81.7 billion yuan over the same period last year; the number of new loans increased by 147,000, an increase of 39%year -on -year, of which 86,000 were first loan households.

Jimu news reporters sorted out and found that in the first half of the year, from the central to the local area, it continued to make efforts to stabilize economic policies from all walks of life. With the acceleration of the policies and measures to help enterprises' bailout, the main economic indicators have improved significantly. In the first half of the year, the growth rate of Hubei GDP was 4.5%, and the growth rate was tied to the seventh nationwide.

Help the epidemic trapped industry to relieve stress

"This financing helped us solve the important difficulties. When the company really encountered difficulties, the bank tried their best to relieve us for the first time. Let us see the responsibilities and responsibilities of financial institutions." Recently, Xiangyang City, Xiangyang City The person in charge of the good neighbor chain supermarket Co., Ltd. sent out such emotions.

Xiangyang Hao Neighbor Chain Supermarket Co., Ltd. is a retail chain company and attracts 4,158 employees. The company's logistics warehousing and distribution center project is the key people's livelihood guarantee project. When the enterprise was in trouble due to the problem of construction funds, the Hubei Branch of the Industrial and Commercial Bank of China responded rapidly and took the initiative to docking, providing 60 million yuan in financing support to the enterprise, and pressing the "double -speed key" for the project construction, alleviating the pressure of the enterprise operation.

On April 15 this year, a large trailer with two rebar fleets departed from the Hanyu Xiaohe Port in Hanjiang, Xiangyang City, and went straight to Nanjing Port after entering the Yangtze River in Hankou. This port was newly built by the Nong's Hubei Branch loan of 200 million yuan, which opened a new agricultural product waterway delivery channel for the "Xiang Shisuo God" urban agglomeration.

Since the beginning of this year, there have been many industries such as zero -residence meals, cultural tourism, transportation and logistics, which have been impacted by the epidemic. Many banks quickly responded to the requirements of financial bailout work, formulated and introduced a number of specific rescue measures, and "one enterprise, one policy" such as cultural tourism, catering accommodation, transportation, and transportation. Accuracy and effectiveness.

For example, the Bank of Communications Hubei Branch focuses on industries with contact services such as accommodation, catering, wholesale retail, cultural tourism, logistics and transportation, and have a greater affected by the epidemic. Service solutions such as renewal loans, loan exhibitions, etc., do not blindly limit loans, draw, and disconnect loans, and support enterprises to resist the impact of epidemic conditions. Wuhan Rural Commercial Bank has made full use of personalized products such as silver tax interaction, accounts receivable, guarantee insurance, third -party credit, and real estate pledge, and improves the financing convenience and accessability of enterprises in trapped industries by exemption.

"Oxygen supply" for small, medium and micro enterprises

On the morning of July 6, the CCB Hubei Branch held the "Hui City • Hui Enterprise" inclusive personal business credit series product launch conference to focus on the financing needs of individual industrial and commercial households, small and micro enterprises, and other individual operators. Loan (personal business version) brand, simultaneously launched "merchant cloud loan", "commercial lending", "first household fast loan", "good business loan", "good loan loan" and "individual industrial and commercial household mortgages" and other 6 Termination of credit products. This will further stimulate the vitality of the market, ensure production and operation, boost confidence in development, and stabilize the livelihood of millions of families. It is reported that in the first half of this year, the CCB Hubei Branch issued an inclusive loan of more than 10 billion yuan for nearly 30,000 individual operators.

On July 20, SPD Bank Wuhan Branch held a science and technology financial service system promotion conference. The bank signed a strategic cooperation agreement with more than 60 companies to insert "financial wings" for technology -based enterprises. Li Zheng, secretary of the party committee and governor of SPD Bank Wuhan Branch, said that in order to better serve Hubei Province's scientific and technological enterprises, Wuhan Branch implemented a "one line and one strategy" reform. Positioning to achieve industry focus and efficiency improvement. Among the banks' credit customers, the proportion of technology -based enterprises has continued to increase, which is currently close to 30%.

In response to the painful points of financing difficulties and expensive financing of inclusive small and micro enterprises, China Merchants Bank Wuhan Branch focuses on the two keywords of "service+technology" to promote the increase, expansion, quality raising, and cost reduction of small and medium -sized enterprises. "Police acquisition" and "recruitment of loan" series "0 mortgage" special products, breaking the constraints of traditional financing "guarantee". As of the end of June 2022, the bank had issued loans for a total of 11523 Puhui small and micro enterprises, and the average loan interest rate decreased by 0.35 percentage points from the beginning of the year.

"The Provincial Agricultural Credit Federation and the province's agricultural and commercial banks actively relieve the issues such as inadequate loans, slow loans, and expensive loans. I feel. "Yang Liu, member of the Party Committee and Deputy Director of the Hubei Provincial Union. The province's rural revitalization of rural areas and various market entities provides "small -type type" financial services, and make full use of big data technology to relieve the "unable to loan" problem.

In the first half of the year, 86,000 newly added households

Regarding the financial operation of Hubei Province and the stabilization of financial services in Hubei Province in the first half of this year, the People's Bank of China Wuhan Branch held a three -quarter news ventilation meeting on July 28.

Li Bin, deputy president of the Wuhan Branch of the People's Bank of China, introduced that as of the end of June, Hubei Province's new loan was 431.3 billion yuan, an increase of 81.7 billion yuan over the same period last year; the balance of various loans was 7.1 trillion yuan, a year -on -year increase of 12.6%; new loans were newly added The number of households was 147,000, a year -on -year increase of 39%, of which 86,000 were first loan households. Loans are increasing and interest rates are declining. In June, the average interest rate of new corporate loans issued by the province was 4.06%, a decrease of 44 basis points from the beginning of the year, 10 basis points lower than the country. For an example of a 5 million -year loan, it is now 22,000 yuan less than the beginning of the year. Li Bin said that since the beginning of this year, two LPR interest rates have been lowered. The major work made by local governments is discounts. For example The burden of the enterprise also reduced the pressure of the bank.

In addition, as of the end of June, the Wuhan Branch of the People's Bank of China provided a total of 75.21 billion yuan to the province's financial institutions with re -loan and re -discounted funds, an increase of 26.76 billion yuan year -on -year, and a total of 44.36 billion yuan, an increase of 16.05 billion yuan. Focusing on difficult industries and key groups, and promoting the implementation of financial bailout policies, Hubei financial institutions have implemented the principal and interest payment of 115,000 loans, and the balance of the principal extended loan was 218.7 billion yuan.

The Wuhan Branch of the People's Bank of China also promoted the establishment of financial services for small and micro enterprises dare to loan the long -term mechanism for loan loans, promote the expansion of the first loan expansion of small and micro enterprises and individual industrial and commercial households, and cooperate with the Provincial Market Supervision Bureau to establish a list of libraries without loan households Promote the establishment of the first loan service center in Wuhan, Yichang, Xianning, and Enshi, and the province has issued a total of 73.68 billion yuan in small and micro enterprises, and the number of new small and micro enterprises in small and micro enterprises was 86,000. Implementing small and medium -sized enterprises credit cultivation projects, relying on credit cultivation projects to dock 3,236 companies, of which 2155 companies have received financing of 14.9 billion yuan. Promoting the payment service fee reduction fee is profitable. As of the end of June, the cumulative reduction fee for each payment service market entity in the province reached 495 million yuan, which benefited more than 2.52 million small and micro enterprises and individual industrial and commercial households.

In the next step, the Wuhan Branch of the People's Bank of China will continue to do a good job of stabilizing enterprises, strive to maintain stable growth in credit, make full use of monetary policy tools, guide financial institutions to continue to inject "financial water" into the real economy, help market entities "stable expectations for stable expectations , Increasing the mind. "

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