Financial "Ganlin" Runtian City

Financial "Ganlin" Runtian City

Li Jijiang Wang Runhua Liu Yi

The summer is raining in time, and the long drought is ganlin. Recently, Tiancheng Kaijiang ushered in a long -range large -scale rainfall, which relieved the drought in the field to a certain extent, and brought a little coolness to the high temperature weather in the past few days. At the same time, another financial "raining" is also in progress. Since the beginning of this year, the Sichuan Kajiang Agricultural Credit Association has given full play to the advantages of multi-faceted and wide situations, making full articles on the "four loans", and solidly promoting a series of measures to help enterprises to relieve the economic series of measures. The loan was launched to 1.2 billion yuan to stabilize the economic market, protect market entities, and help enterprises to "quench thirst" in a timely manner.

Take the initiative to do full articles on dare to loan

"This loan of the Agricultural Credit News Agency is so good. The financing process has low threshold, low interest rate, and high efficiency. As tailor -made for me, let me see hope again!" At the policy preaching, the person in charge of a family farm preached excitedly.

It is reported that since this year, the community has used the advantages of the ground to the village branch committees, enterprises, and relevant units to carry out preaching policies to benefit enterprises and the people, and actively explore the "bank+government+agricultural shadow company" risk -sharing mechanism and strive to be pragmatic. Cooperation to jointly solve the problem of "financing difficulties and expensive financing". In the first six months, the cumulative "agricultural loan", "direct loan", "entrepreneurial interest loan" and "park insurance loan" loans were issued 114 loans. 24.21 million yuan. The new type of agricultural business entity loan was 131, 57 million yuan, 4,466 small farmers loans, 113 million yuan, and 5089 agricultural loans were newly added, 121 million yuan. It supports modern industrial systems such as manufacturing 252 million yuan, supports 51.61 million yuan in ecological barriers such as sewage treatment and environmental governance, and supports 99.75 million yuan in public services such as education, medical care, and health.

Dredging the blocking point, do full articles on the willing loan

Take the initiative to reduce the fee. The maximum preferential discounts on the first loan customers and re -loan customers will take the initiative to bear the mortgage registration fee and evaluation fee. Since February 1, the interest rate of 29 credit products has generally lowered 80 BPs, which has a "one household" for enterprises and individuals who have a greater impact on the epidemic, and can perform the minimum LPR interest rate. At present, the interest rate of weighted loans is 5.44%, a year -on -year decrease of 38 BPs.

Improve loan efficiency. The main credit business product "Simple Credit Calculatory Card for Credit Business" was introduced, and it was appropriately simplified to simplify 300,000 yuan (including) loan materials and unified review standards.

Innovative credit products. At present, the agency actively formulates products such as "helping enterprises to relieve their loans" and "mortgage excellence" to support small and micro enterprises and stimulate consumption growth.

Active relief. Help customers spend the difficulties. As of the end of June, 30 trapped enterprises and 464 trapped individual industrial and commercial households and farmers have handled the exhibition renewal or adjustment of repayment plans, involving a loan of 381 million yuan.

Polices to make full articles on capable loans

Use the central bank policy tools. Flexible use of policy tools such as supporting agriculture, supporting small and retraining, and applying for a support for 36 million yuan in supporting agricultural re -loans to the central bank, providing strong funding guarantee for the agricultural -related field.

Actively ensure the implementation of policies. The agency actively responded to policies, set up financial services to help enterprises and support the "seventeen measures" of social and economic development around the financial service real economy, and further strengthened financial support for industries, enterprises, and people affected by the epidemic.

Fully help include inclusive. Customers such as ordinary farmers and local wealthy leaders have increased their maximum quotas among the main farmers' small credit loan products to 200,000 yuan and 300,000 yuan, respectively, and the increase in credit amounts increased by 150%and 200%, respectively.

Point and face combination, make full articles on the lending loan

Actively support the customer on the inclusive face. Increase data management of agricultural and inclusive loans, collect big data through the "online" CRM system, establish 66,700 economic archives, and collect 71.11%of the collection surfaces to prepare "backup funds" for customers.

Actively support real estate destocking. The first house down payment ratio is as low as 20%, and the interest rate of interest rates from LPR is 20 BP. The balance of real estate loans was 1.215 billion yuan, an increase of 9.35 million yuan from the beginning of the year.

Actively support mass entrepreneurship. 73.54 million yuan of entrepreneurial business loans were issued to specific groups such as migrant workers, college graduates, and vehicle drivers with difficulty employment, and a net increase of 13.26 million yuan from the beginning of the year.

At the same time, the agency also actively promoted the construction of the "10+3" modern agricultural system and supported the balance of Sichuan grain and oil loans of 0.50 million yuan, an increase of 14.98 million yuan from the beginning of the year. Increased 11.34 million yuan from the beginning of the year.

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