Effective cost reduction!Credit support to play "combination boxing"

Provide differentiated financial services for industries that are affected by the epidemic, increase financial support for trapped market entities such as small and micro enterprises, and take multiple measures to reduce the comprehensive financing costs of enterprises ... Since this year, our province has increased financial support for financial support since this year The main indicators of monetary credit operation are generally better than expected and higher than the national average, and the quality and efficiency of the real economy of financial services have improved.

Data show that as of the end of June, the balance of RMB loans in the province was 6.43 trillion yuan, an increase of 14.53%year -on -year, an increase of 0.62 percentage points from the same period last year; the growth rate was 3.29 percentage points higher than the national average. In the first half of the year, various loans in our province increased by 617.340 billion yuan, an increase of 153.082 billion yuan year -on -year, a record high.

01

Policies, "True Gold and Silver" serve the real economy

From drawing to twisted to the finished product ... At the end of July, in the production workshop of Hefei Weiguang Cable Co., Ltd., the machine was roaring and a busy scene.

"In the past three years, our output value has doubled, reaching 200 million yuan in 2019, 460 million yuan in 2020, and rising to 860 million yuan in 2021." Xu Jiahong, the company's financial director, told reporters that the company is mainly engaged in cable production and sales business It belongs to a national specialized new giant company. "At present, the enterprise is in a rising period, and the demand for mobile funds is very large. At the end of March, we urgently needed a funds to purchase raw materials."

When learning that the postal savings banks had "science and technology credit", Xu Jiahong was very interested: "Low interest rates, fast approval, is exactly what we need." Xu Jiahong contacted the bank customer manager for the first time. From a bank staff to investigate the investigation report and report business. In just one week, 10 million yuan of credit loans were on the company's account. "With this money, we can prepare enough stocking and increase their horsepower to increase production." Xu Jiahong said.

Since the beginning of this year, the complexity, severe and uncertainty of the economic development environment has risen. The financial management department of our province take the initiative to act and strives forward, and fully supports economic growth and market entities. The Provincial Local Financial Supervision Bureau, the Hefei Center Sub -branch of the People's Bank of China, the Anhui Banking Insurance Regulatory Bureau, the Anhui Securities Regulatory Bureau, and the Provincial Department of Finance jointly issued the "Several Measures on the Development of Financial Aid Enterprises", and 22 specifics were proposed in 8 aspects Measures to help industries affected by the epidemic through difficulties and restore development. At the same time, in -depth "five -entry" activities, walking into the park, streets, communities, townships, and business districts, open up the "last mile" in policy transmission, and solve the financing problem.

The staff of the business marketing department of Chizhou Jiuhua Rural Commercial Bank went to the small and micro enterprise owners to carry out the "five -entry" activity to actively understand the customer's financial service needs.

"We are a logistics company. There are more than 100 registered trucks. The previous period of savings is large. The form of credit loan has received 5 million yuan in credit. With this weekly transfer, the company is confident and better. "Wang Jianrong, chairman of Anhui Zhongyuan Supply Chain Technology Co., Ltd., said.

Industry insiders pointed out that in the first half of this year, the province's various financial policies, including financial policies, increased their efforts, reached the grassroots level, and benefited from the main body. It has effectively boosted market confidence. Promote strong credit growth.

02

Precision drip irrigation, the continuous optimization of credit investment structure

Looking at financial data, "quantity" is an important aspect, but more importantly is "quality". From the financial "semi -annual report", not only can we see that financial support for the real economy has been further increased, but also the continuous optimization of credit investment structure can be seen.

"Since this year, we have actively guided the flow of financial water to key areas. Financial empowering advanced manufacturing quality, expansion, and efficiency increased efficiency. At the end of June, the balance of medium- and long -term loans in our province's manufacturing industry was 273.269 billion yuan, an increase of 44.5%year -on -year. In the growth rate of various loans, 60.875 billion yuan was added in the first half of the year. "Jiang Yang, deputy director of the Investigation and Statistics Department of the Hefei Center Sub -branch of the People's Bank of China, introduced that in terms of helping the development of agricultural and rural industries, various financial institutions actively innovate rural rejuvenation characteristic financial products and financial products and financial products and financial products and financial products and financial products and financial products and financial products and financial products and Services, agricultural loan balances of 2081.799 billion yuan, an increase of 18.41%year -on -year, 4 percentage points higher than the growth rate of various loans. In addition, accelerate investment in infrastructure construction and increase support for project loans. The balance of loans in infrastructure industry was 1082.457 billion yuan, an increase of 14.97%year -on -year; in the first half of the year, it increased by 103.409 billion yuan, an increase of 48.335 billion yuan year -on -year.

Postal Savings Bank, Anhui Province Bozhou Branch Three Farmers Manager introduced to farmers to introduce Huinong loan products to farmers

The relevant person in charge of the Agricultural Bank Anhui Branch said that in the first half of the year, special products such as "urban renewal loans", "average hero loan per mu", "project preliminary loan", "railway demolition loan" and other special products, increase major infrastructure projects and key projects such as transportation Credit credit. At the same time, the credit resources are tilted towards the transportation small and micro enterprises and individual industrial and commercial households, and adopted the method of announcement, SMS or on -site solicitation for market entities such as small and medium -sized enterprises, individual industrial and commercial households, and truck drivers. Rest, reduce repayment pressure.

In order to overcome the adverse effects of the epidemic on small and micro enterprises, the financial department of our province pays attention to precise drip irrigation, increases the support of inclusive small and micro loans, supports the steady development of small and medium and micro enterprises, and continuously strengthens the key areas and weak links. In support, Pratt & Whitney Loan continues to maintain a situation of "increase, expansion, and price drop". As of the end of June, the province's loan balance of inclusive small and micro enterprises in the province was 848.578 billion yuan, a year -on -year increase of 22.53%, which was 8 percentage points higher than the growth rate of various loans. Essence "Our company was established in October 2020. It is mainly engaged in the production and sales business of various electromechanical equipment. As the scale expands, I plan to build a new production plant and add two industrial production lines this year." Yuan Bingbing, the person in charge of the company, said, "Expanding scale, funds are a problem."

The problem that plagued Yuan Bingbing was solved with the arrival of Qian Chao, the customer manager of the Caitan Sub -branch of Wangjiang Rural Commercial Bank. "The bank helped me match the 'entrepreneurial loan'. In 2 days, the loan of 500,000 yuan was in place." Yuan Bingbing said.

03

Increase quality and efficiency, comprehensive financing costs are constantly decreasing

The company wants to "loan", and it is expected to have a low cost.

Anhui Huazhen Special Materials Co., Ltd., located in Wuhu District, Anhui Pilot Free Trade Zone, mainly produces high -fiber special materials, with an annual export value of 50 million yuan. Affected by the epidemic in the first half of the year. After learning that the enterprise urgently needed financing, the Postal Savings Bank Wuhu Branch took the initiative to serve. On the day of the enterprise submitted a loan application, it issued a "foreign trade E loan" 2 million yuan. It is reported that companies that have obtained "foreign trade E loans" loans can apply to the Provincial Department of Commerce with a maximum discount of 30%, which greatly reduces corporate financing costs.

Since the beginning of this year, our province has given full play to the effectiveness of the reform of the loan market quotation interest rate reform and guiding role, give full play to the role of interest rate self -discipline, maintain the market's good competitive order, promote the steady and decreased comprehensive financing costs of enterprises, and promote the reasonable interest in financial institutions to the real economy. Data show that in June, the average interest rate of new corporate loans issued by the province was 4.23%, a decrease of 41 basis points from the same period last year. The interest rate of new small and micro enterprises in the province was 4.66%, a decrease of 34 basis points from the same period last year, at a lower level in the past two years. At the same time, we continue to promote the financial system to reduce costs from the real economy. In September last year, the People's Bank of China launched fees with multiple departments. By the end of June this year, local legal person financial institutions in the province had accumulated a total of approximately 136 million yuan in payment fees and 807,200 small and micro enterprises and individual industrial and commercial households.

The relevant person in charge of the Bank of China Anhui Branch said that since this year, the bank has continued to reduce the comprehensive financing costs of inclusive small and micro enterprises by increasing credit loans and other methods, and implementing policies such as small and micro enterprises to pay fees and fees. Resolutely put an end to charging charges and reduce corporate financing costs. At the same time, providing fast self -service loan services for small and micro enterprises and individual industrial and commercial households through online products to enhance the convenience of financial services; increase credit support for small and micro enterprises enjoying the tax refund policy, and promote the coordinated issuance of fiscal policies and monetary policies force.

"Structural monetary policy has a precise orientation effect. We continuously enhanced the consciousness of financial institutions 'use of sufficient use of monetary policy tools to ensure support for key areas and weak links through policy tools' incremental expansion. The provincial re -loan re -loan re -discount balance of 109.31 billion yuan, a total of 810.06 billion yuan. "Yao Feng, deputy director of the Monetary Credit Management Office of the Hefei Center Sub -branch of the People's Bank of China, said that it will continue to do a good job of the loan delay tools and inclusive loan delay of inclusive small and micro enterprise loans. Two direct tools for small and micro -enterprise credit loan support plans to continuously change, and give full play to the incentive role of inclusive small and micro loan support tools. In the first half of the year, 93 qualified legal person banks provided incentive funds of 586 million yuan. (Reporter He Ke)

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