Guangdong Sihui: New loans increased by 64.49%.

Guangdong Sihui: New loans increased by 64.49%.

Since 2022, the financial system of Sihui City has conscientiously implemented the national work deployment of financial support to help enterprises and promote rural rejuvenation. "running water". As of the end of June, the balance of various deposits in Sihui City was 51.675 billion yuan, and the balance of various loans was 46.684 billion yuan, a year -on -year increase of 17.14%and 10.68%. Among them, the balance of new loans was 3.099 billion yuan, a year -on -year increase of 64.49%. The balance of manufacturing loans was 7.326 billion yuan, an increase of 70.13%year -on -year, providing strong financial support for the development of the real economy.

Help enterprise rescue, targeting policies, and citing financial "living water" to pour the real economy

In order to allow a package of financial growth measures to stabilize the growth measures directly to the market entity and stabilize the confidence of market development, under the guidance of the Zhaoqing Center Sub -branch of the People's Bank of China, the Fourth Fourth Municipal Branch of the Four Associations of the Banking and Fourteen will effectively implement the policy measures of the People's Bank of China, branches and Zhaoqing Central Branch "23+10+8" policy measures , To stabilize the "combination of boxing" to stabilize the people's relief financial, give full play to the guidance of the central bank's monetary policy tools, and effectively mobilize the enthusiasm of bank institutions within their jurisdiction to increase the investment in stabilization of corporate relief credit. In the first half of the year, a total of 6.163 billion yuan of inclusive small and micro loan support tools were issued to the legal person banks in the jurisdiction, with a cumulative re -loan loan of 280 million yuan, benefiting 274 business entities, leveraging the city's bank institutions to issue 281 million yuan in preferential loans. Help the market entity climb the slopes and enhance the development of development. At the Municipal Party Committee and Municipal Government of the Sihui Municipal Party Committee held a "political and banks and enterprises" docking meeting and the signing of financing activities of key enterprises, organized financial institutions to carry out "cloud live broadcast, cloud exhibition hall, cloud financing", and promoted more through the form of "online+offline". Multi -financial "living water" flows to the real economy, which has promoted 11 banking institutions to grant more than 6 billion yuan in credit to 45 companies. , Guarantee Development "New situation in many parties. Relying on the one -stop convenient channel of "Zhaorong Code" enterprise financing of Zhaoqing China branch, the "last mile" of corporate financing services has been opened to promote the successful financing of 59 enterprises through the "Zhaorong code".

Highway traffic is the "great arteries" that support economic and social development. In order to do a good job of financial support for the protection of freight logistics and protection, the banking institutions of Sihui City have opened up the “green channel” of transportation and logistics enterprises in the financial services of transportation and logistics enterprises, and go all out to help the freight logistics industry rescue difficulties. Not long ago, the Fourth Huishi Sub -branch of the Postal Savings Bank issued a loan of 2.43 million yuan to the two cargo companies, with a interest rate of 5%. These two loans are delivered to timely rain because employees cannot fully arrive at their jobs and rise in oil prices, such as rising oil prices. All banking institutions have also implemented measures such as reducing interest rates and extension of interest rates for small and medium -sized enterprises, and effectively "blood -making" stimulate the internal power of the enterprise.

Monetary policy has gone forward, and tax cuts and fees have become important "first -hand chess". "The current business operation of enterprises is mainly reflected in the shortage of funds. Putting the tax directly on the corporate account can effectively alleviate the pressure of the company's funds, transfers blood for the market entities, and stimulate the vitality of the market entity." According to the person in charge, since the implementation of the large -scale value -added tax deduction policy, the bank has coordinated and cooperate with the financial, tax and other departments to achieve information sharing, form a joint effort, and make every effort to ensure that the value -added tax reserved tax refund funds are fully enjoyed. Crossing difficulties and compound gas. According to statistics, from April 1st to June 30th of this year, the Sihui State Treasury handled a total of 295 tax refund, with a amount of 318 million yuan, which benefited 225 companies, providing strong motivation for the stability of market players to stabilize employment.

In order to solve the "pain point, blocking point" of the exchange rate aversion of small and medium -sized micro -enterprises, the Fourth Four Municipal Branch of the Foreign Exchange Bureau jointly established a special class system for cross -border trade RMB settlement and promotion, innovating and creating "one insurance and double exemption" long -term long -term The exchange business model, quickly open the exchange rate risk management service to supply the "last mile". From January to June, the total cross-border RMB settlement of Sihui City was 825 million yuan, an increase of 41.15%year-on-year. The total settlement and increase in the counties and districts in Zhaoqing, a total of 74.6523 million foreign exchange sets of enterprises in the city, The dollar increased by 4.6 times year -on -year. Among them, the Bank of China Fourth Association Sub -branch launched a preferential reduction and exemption activity of the product rate of the purchase period, and it has accumulated a total of 216,500 yuan for enterprises. The banks within their jurisdictions have raised 31 foreign trade enterprises through cross -border financial blockchain service platforms, with a total financing amount of over 10.73 million US dollars. The ICBC Sihui Green Sub -branch used the blockchain platform to successfully issue 1.5 million yuan of export account receivables to the green enterprise Guangdong Honghao Chemical Co., Ltd. for pledge financing. The financing interest rate was as low as 3.85%, helping enterprises to achieve zero sewage discharge.

Huinongxinxin, precise drip irrigation, "loan" the revitalization of rural industries

The revitalization of the countryside is inseparable from financial support. The financial system of the Sihui financial system innovative financial products and services, introduced the financial "living water" into the "three rural" field. In the first half of the year, the People's Bank of China Zhaoqing Central Branch of the Central Branch of the People's Bank of China gave 1 billion yuan in credit to the Sihui Rural Commercial Bank and the Tailong Village Reinforcement Loan. 30 million yuan, the "loan" dynamic village revitalization was in full swing. As of the end of June, the balance of agricultural loans in Sihui City was 19.601 billion yuan, an increase of 18.61%year -on -year, supporting the industry involving manufacturing, trade, catering, agriculture, forestry, animal husbandry and fishing and other service industries.

"Thanks to the bank for bringing us a preferential loan. With the support of credit funds, we will have the confidence in the increase of capital and expansion!" In the Australian lobster breeding base in the Sihui River Valley Town, the company's head of the company said excitedly. As a new type of agricultural operations established by the new farmers returning to the hometown, Tongchuang aquaculture is characterized by breeding data. Radiation drives more than 70 surrounding farmers, and the annual output value can reach about 10 million yuan. At the end of last year, the company intends to expand the scale of production, but lacks the turnover of mobile funds. At the critical moment, Sihui Rural Commercial Bank actively extended a helping hand. By using the low -cost People's Bank of China, the special funds of the People's Bank of China supporting the agricultural reinforcement funds and the loan risk compensation fund project of Sihui City small and micro enterprise loan funds for the enterprise for 2 million yuan, so that Tongchuang aquatic products were timely. Obtain low -cost credit funding support and smoothly expand the scale of breeding.

In order to alleviate the financing problem of agriculture -related entities and vigorously promote rural revitalization, in April of this year, the Municipal Government of the Sihui also introduced the Guangdong Agricultural Resources Company and signed the province's first county -level government and the provincial agricultural shadow company. Agreement, through financial assistance and political cooperation, effectively guides more credit funds into agricultural and rural areas. In order to solve the shortcomings of rural financial talents, the Fourth Municipal Party Committee of the Fourth Association Sub -branch Sub -branch implemented the "Financial Supporting 100 Talents Plan", promoting 168 "Financial Deputy Secretary" to work at the grassroots level, driving 1.2 billion financial resources to key areas and key areas and in the countryside. For weak links, a total of thousands of young people have been supported, and nearly 10,000 employees have been driven. Entrepreneurship drives employment. CCB Zhaoqing Branch also cooperated with the Sihui Municipal Government and Huadian Guangdong Company to help invest 11.6 billion yuan of agricultural (fishing) light complement light and decentralized wind power projects, and make every effort to build the "zero -carbon town" in Sihui City. At the same time, the Fourth Association Sub -branch Sub -branch has continuously improved the "Party Construction+Finance+Guarantee+Credit" model, leveraging social capital to participate in the "Thousands of Enterprises and Thousand Towns, Wan Enterprise Xingwan Village", and promote the four cities of the Agricultural Bank of China. "Credit Credit" of the Four Huishi Sub -branch of the Banking Bank was 25 billion yuan, issued 4,842 special loans, with a amount of 1.41 billion yuan, injecting more "source living water" for rural revitalization; innovating a new credit model for "monetary policy+fiscal policy", guiding guidance Banking institutions have launched a new model of inclusive credit, low interest rates, low interest rates, government discounts, and re -loan -supported new inclusive credit models such as "Renren Loan" and "Rural Revitalization Loan" to achieve 4.9 million yuan in credit.

All financial institutions have successively introduced relevant measures to increase financial support for rural revitalization. The ICBC Fourth Association Sub -branch launched exclusive financial products such as "Guangdong Nong E loan" and "E to Fast Loan", which promoted the "Cantonese Cuisine Master", "Guangdong Technician" and "South Guangdong Housekeeping" outstanding talents to become rich. Under the guidance of the Zhaoqing Central Branch of the People's Bank of China, the Four Club Agricultural Bank Innovation and Establishment of the "Credit Alliance" to carry out the "Credit Village Credit" and the pre -production agricultural supply chain financing credit activities of the credit village. In the first half of the year Credit loan is 670 million yuan, helping to promote the development of rural revitalization and development of "strong agricultural, rural beauty, and peasant rich". Sihui Taolong Village Bank takes the lead in the province to explore the launch of the "farmers 'carbon account", which stimulates the endogenous motivation of rural people to sharing the living environment through "carbon points", and create rural numbers with government guidance, villagers' autonomy, and platform digital governance. New model of green finance. The Dasha Branch of the Sihui Rural Commercial Bank accelerated the construction of the "Carbon Neutralization" demonstration site, successfully built the first "photovoltaic zero carbon outlet" in the province, relying on the "green bank" construction to promote the rural revitalization salary to help fire, and to build a national civilization The city adds bricks. As of the end of June, the balance of green loans in Sihui City was 2.645 billion yuan, a year -on -year increase of 1.349 billion yuan, an increase of 104.09%year -on -year, which was 93.41 percentage points higher than the growth rate of various loans. Under the pouring of "financial living water", the agricultural industry of Sihui City has continued to become bigger and stronger, and the main body of agricultural -related agriculture has continued to grow. Since 2022, there are 53 leading enterprises in Sihui City, the Greater Bay Area, Provincial and Zhaoqing City level 19 "vegetable baskets" base, 6 "Cantonese" agricultural brands, with a total agricultural product value of 4.489 billion yuan, an increase of 7.8%year -on -year.

Stable order, prevent and control risks, and create a good "financial ecology"

Under the guidance of the Zhaoqing Municipal Center Sub -branch of the Fourth Fourteenth Municipal Branch, organized financial institutions to solidly promote the publicity of deposit insurance, and publicize the publicity of deposit insurance and preventing telecommunications fraud, preventing illegal fund -raising, publicity of credit acquisition knowledge, and strengthening the protection of financial consumer rights and interests. Combining, through the "five -entry" activity, it builds a network of deposit insurance publicity systems to effectively maintain financial security and stability. The joint housing and construction department adheres to the positioning of "housing does not stir -fry", promotes the smooth and orderly financing of the real estate market, guides personal housing mortgage loan interest rates, support rigid and improved housing demand, further strengthen financial services, and enhance financial consumers' confidence. Unite public security organs, development and reform, online information and other departments to conduct in -depth actions to crack down on pension fraud, mobilize elite strength, set up special work classes, adhere to publicity and education, combat them in accordance with the law, and rectify the "three arrows". The fraud cases of retirement pensions are the guise, protect the legitimate rights and interests of the elderly, create a safe and stable financial environment, and protect the "old -age money" and "life -saving money" of the elderly. The financial system of Sihui City has continued to promote the in -depth integration of mobile payment convenience services with the people's production and living scenes. As of the end of June, the transaction volume of mobile payment business in Sihui City reached 105 million yuan, which was nearly 6 times year -on -year. The number of pay users was nearly 60,000, a year -on -year increase of 45%. At the same time, more than 500 "red and blue codes" collection of "red and blue code" collection in the city can promote anti -fraud to ensure the safety of consumption safety, which not only guarantees the safety of the masses to pay consumption, but also improves the level of convenience of the people's payment services. Essence The banking institution actively builds the elderly's barrier -free payment service scenarios, eliminates the "digital gap" in the payment field; actively builds a suitable financial service characteristic bank outlets, opens the convenient window of financial services for the elderly, improves the supply of aging mobile payment services, increases the elderly for the elderly Payment of Payment Clearance Publicity Education. "Thank you for helping and serving the mediation staff. When I was the most confused, I helped me the power of my arms, and I restored the hope of my life." Recently, the Fourth Municipal Finance Committee properly handled a financial dispute and guided the bank A win -win perspective, reaching a installment repayment plan with the debtor to help the debtor get out of the predicament and regain your confidence in life. In order to resolve financial risks, maintain financial stability, and promote the optimization of the business environment of the rule of law, under the guidance of the superior banks, the Four Four Association Sub -Branch of the Fourth Association of Four Associations, the Judicial Bureau, and the Financial Industry Association cooperated to jointly build the first "financial dispute one financial dispute one one in Guangdong Province Stand -type resolution center, promote complaints, interviews, docking, and interconnection, build people's mediation, administrative mediation, judicial mediation, industry mediation, lawyer mediation "five major mediation" connection mechanisms, provide "complaints+mediation+ruling" one "one Decided service, create a three -level joint system of "county, town, village", and form a "four -meeting sample" for "financial resolution to promote social governance" to promote financial contradictions and disputes to resolve the sprouts, financial consumers appeal and coordinate interests in interests The channels are further unblocked. From January to June, the center continued to strengthen service awareness, solve the problem of "urgency and sorrow" with intentions, affection, and hard work, and properly handled 13 financial complaints, 26 cases of successfully mediation, and the amount involved was 9.7018 million yuan. Thanks to unremitting prevention and governance, the financial system of Sihui City firmly adheres to the bottom line of no systemic financial risk.

Economy is the body and finance is blood. Serving the real economy is the duty of finance. Next, the financial system of Sihui City will be based on serving the real economy, ensuring the improvement of people's livelihood, exerting industry advantages to support the development of the real economy, providing higher quality and efficient financial services for the development of the real economy, continuously unblocked financial blood, service Hundreds of people's livelihood, in a higher level to satisfy the people's longing for a better life for a better life, and strive to show greater actions on the road to promoting common prosperity. (Li Chunmiao)

Responsible editor: Zhang Wei Guo Jinhui

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