Financial services are accurate and high -quality development stamina is full

As of the end of June 2022, the balance of various loans in the city was 109.164 billion yuan, a year -on -year increase of 15.78%. From January to June, the loan was 11.414 billion yuan, a year -on -year increase of 2.524 billion yuan ...

The financial system of our city has implemented various stable economic policies, promoted further optimization of credit structure, credit resources further tilted to small and micro enterprises and key projects within their jurisdictions, and presented a good situation of "increasing price expansion and reduction". Create a good financial environment.

Workers in the production workshop in a company in our city are in an orderly and busy

In the first half of the year

Do a good job of policy implementation

"Steady Total" is effective

Since the beginning of this year, the People's Bank of China and the Municipal Financial Work Bureau and other departments have issued the "Notice on the Implementation of the Police and Measures of the Economic Pares" and "Ya'an Financial Supporting Market entities to resume the difficulties of resolving the difficulties of resolving the difficulties of the market entity. 》 Such documents, organize financial institutions within the jurisdiction to hold special meetings such as financial support for financial support to stabilize growth and employment and guarantee people's livelihood, financial support epidemic prevention and control, and the development of real economy development, and further promote the implementation of the policy.

As of the end of June, the city's deposit and loan balance was 261 billion yuan, an increase of 23.462 billion yuan from the beginning of the year, a year -on -year increase of 11.1%; the city's financial institutions' loan balance was 109.164 billion yuan, an increase of 15.8%year -on -year, which was 1.5 percentage points accelerated from the end of the previous year. The province's 5 and 1.1 percentage points; the new loan was 11.415 billion yuan in the first half of the year, a year -on -year increase of 2.539 billion yuan, and the increase continued to innovate.

Increase inclusiveness

Boost corporate development confidence

In order to ensure that the policy dividend is directly reached to the market, helping the enterprise rescue and promoting steady growth, the city's financial institutions actively implement the requirements for the delay in loan repayment of principal and interest, and adhere to the delay. Renewal, exhibition period, delay repayment and other methods to actively help enterprises to extend the principal and interest, and continue to expand the benefits and coverage of policies. As of the end of June, the city's financial institutions have been market entities such as 3741 small and micro enterprises, individual industrial and commercial households, etc., and have handled the extension of the amount of repayment of the principal and interest of 3.278 billion yuan.

Monetary policies such as re -loan and inclusive small loan support tools have been effectively exerted. While reducing the financing costs of small and micro enterprises, it has further leveraged the amount of inclusive small and micro loans. As of the end of June, the balance of small and retro loans of the Ya'an Central Sub -branch of the People's Bank of China reached 1.312 billion yuan. ; Issuance of inclusive small and micro loan support tools incentive funds of 1.16 million yuan, leveraging the increase in inclusive micro -loans of 1.146 billion yuan.

Continue to release the potential of LPR reform, implement the market -oriented adjustment mechanism of deposit interest rates, give full play to the role of monetary policy tools to reduce costs, and guide financial institutions to reduce loan interest rates. At the end of June, the Ya'an Center Sub -branch of the People's Republic of China used supporting agricultural, branch small and re -loan, and re -discounting balance of 2.066 billion yuan, an increase of 60.8%year -on -year. Loans issued by low -cost funds for loans can effectively reduce market entity financing costs of 10.28 million yuan. In June of this year, the city's various loans of loans were 4.55%, ranking 4th low in the province, close to the lowest level in history. Among them, the weighted average interest rate of inclusive micro -loan was 4.94%, a year -on -year decrease of 0.64 percentage points.

In the first half of the year, the city's inclusive micro -loan balance was 15.876 billion yuan, an increase of 20.35%year -on -year. The balance of manufacturing loans was 7.945 billion yuan, a year -on -year increase of 19.34%, which was 4.57 and 3.56 percentage points higher than the year -on -year growth rate of various loans.

"Excellent structure" is not decreasing

Financial expansion of financing expansion in key areas

In terms of key areas, the city's financial system takes the initiative and accurate efforts to strengthen credit support for key areas and weak links. At the end of June, the balance in the construction field of infrastructure and other projects was 32.816 billion yuan, an increase of 29.2%year -on -year, and a new increase of 52.24 billion yuan, accounting for 52%of the city's total loans, becoming the main growth point of loans in our city. Among them, a total of about 6 billion yuan was issued to key projects in the city and 40 iconic projects.

Focus on the main body of the market and highlight financial support for weak links. At the end of June this year, the balance of inclusive small and micro loans in the city was 15.876 billion yuan, an increase of 20.4%year -on -year, which was 2.1 percentage points accelerated from the same period last year. Pratt & Whiller's small and micro loans supported the number of small and micro -operating entities of 23,900, an increase of 32%year -on -year. Transportation, accommodation, catering, cultural and sports entertainment, such as the impact of industries with severe epidemics, the balance of enterprise loans with a serious impact of 4.853 billion yuan, an increase of 11.9%year -on -year.

Focus on major development strategies, support economic transformation and upgrading, and high -quality development. At the end of June, the city's manufacturing loan balance was 7.945 billion yuan, a year -on -year increase of 19.3%, an acceleration of 4.2 percentage points from the same period last year; the loan of emerging service industries (scientific research technology, information transmission and software information technology industry) was 933 million yuan, a year -on -year increase of 63.4 %, Vigorously support the development of the digital economy; 56.783 billion yuan in agricultural loans, an increase of 13.3%year -on -year, 5.8 percentage points from the same period last year; private economic loans were 29.331 billion yuan, an increase of 8.2%year -on -year, an increase of 3.3 percentage points from the same period last year; 14.836 billion yuan, a year -on -year increase of 21.3%, an acceleration of 12.9 percentage points from the same period last year. In addition, the number of credit loans and first loans has also increased significantly. At the end of June, the city's inclusive small WeChat loan balance was 3.804 billion yuan, an increase of 53.1%year -on -year, accounting for 24%, an increase of 3.3 percentage points year -on -year; in the first half of the year, there were 1,523 new owners of the first loan market, accounting for a total loan distribution households since this year. At 18.1%of the number, market entities have continued to increase financing and coverage.

Improve service mechanism

Improve financial services real economy capabilities

Since the beginning of this year, the city's financial institutions have continuously optimized financial service mechanisms in accordance with regional reality, innovatively developed new products suitable for regional characteristics to support the development of small and micro enterprises, and the ability of financial services to the real economy has been effectively improved.

For example: Agricultural Issuing Ya'an Branch In accordance with the requirements of the credit project declaration requirements, involved in advance, communicating with enterprises and relevant units, subtraction with the information list, and quickly collecting the requirements for lending loans and implementing project information. Open fast channels, give priority to key projects or key customers to handle, to handle loans, optimize processes, and simplify the approved materials. The implementation of a moderate tolerance for loans, which cannot be obtained for high -risk areas in the epidemic and does not affect risk judgment. Efficiency of loan trials. Recently, the bank's approval of the Mingshan District Mingshan River Basin comprehensive rectification of 790 million yuan projects. It took only 17 working days from the application to approval to improve the efficiency of loan management and was fully affirmed by the government and enterprises.

The Agricultural Bank Ya'an Branch launched a "tax E loan", which is mainly based on corporate tax -related information. Use big data technology to analyze and evaluate, calculate the credit limit, and provide online financing products used by high -quality small and micro enterprises provided by integrity taxation to quickly meet the financing needs of small and micro enterprises.

Ya'an Commercial Bank launched a "Huiyi Loan" financing product, which included loans to "Zhi Xiaoyi Commercial Loan". After enjoying the discount, the loan interest rate that the company actually bornes does not exceed LPR (loan market quotation interest rate) interest rate plus 0.15 percentage points. After the product was launched, the bank vigorously promoted the inclusive small and micro enterprises. As of the end of June 2022, the bank had issued a total of 51 "Huiyi Loan" loans, with a loan amount of 301 million yuan, of which "Zhi Xiaohui Commercial Loan" was Nine, the amount of loan is 66 million yuan.

Sichuan Bank Ya'an Branch further optimizes the approval process and enhances the timeliness of corporate credit. For small and micro enterprises, open up "fast channels", give priority to approval, priority lending, and report from the loan to the issuance to 5 working days, which is reduced by more than one week.

In the second half of the year

Promote policy implementation

Keep your credit for your credit.

In the second half of the year, the city's financial institutions will continue to implement the Party Central Committee, the State Council's "solid and stabilization of the economic package policy measures", the "financial benefits of 23 articles and the people's rescue of the people and the people", 19 financial assistance companies in Sichuan Province, and Ya'an Finance 10 measures to help enterprises, earnestly do a good job of financial support, maintain the efforts to maintain credit, and achieve the increase of new loans in the second half of the year.

Establish a "four loan" long -term mechanism to enhance the ability of the market economy to serve the market economy. We will conscientiously implement the "Notice of the People's Bank of China on promoting the establishment of a financial service for small and micro enterprises to loan the long -term mechanism for loan and loan", focusing on the difficulty of serving small and micro enterprises and blocking points, and in -depth promotion Construction of loan long -term mechanism.

Deepen reform and innovation, and continue to carry out pilots of green financial innovation. Continuously promote the implementation of the "Essentials of Green Financial Innovation in 2022", and continue to increase the fields of green production and consumption in green production and consumption in clean energy, environmental protection, energy saving, lithium battery materials, green buildings, big data industries, biological diversity, and natural ecological protection Credit support. Use the "low -carbon loan" green credit products with the characteristics of the living characteristics to provide financial support for the green fields such as industrial low -carbon transformation, and strive to make the city's 2022 green loan growth rate of not lower than the national average.

Comprehensively improve the ability and level of financial support for rural rejuvenation.Focusing on key areas such as the key help villages, village collective economic organizations, agricultural infrastructure, the revitalization action of breeding industry, food and vegetable parks, rural leisure tourism industry, county business system, rural e -commerce and warehousing and logistics, etc., Actively promote microfinance of poverty alleviation.Actively carry out special activities for rural rejuvenation for "sending codes to households and one -click loans".Strengthen the use of support for re -loans of supporting farmers, make good use of the "help farmers to revitalize loans" financial and financial interaction policies, and provide low -cost funding support for new agricultural business entities and farmers.Reporter Jiang Yangyang

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