Shaanxi Banking Insurance Regulatory Bureau: Guide agencies to launch more than 50 special credit products including "Apple Loan"

Zhongxin Jingwei, August 11th (Wei Wei) The issue of "agriculture and rural areas" is the fundamental issue related to the national economy and people's livelihood. How to guide bank insurance institutions within their jurisdiction to achieve the comprehensive development of "agriculture, rural areas, and rural areas?" At the 289th bank industry insurance industry on August 11, Huang Jinbo, Secretary of the Party Committee and Director of the Shaanxi Banking Regulatory Bureau, introduced that the Shaanxi Banking Insurance Bureau guided bank insurance institutions to twist the characteristic industry to develop this "Niu Nose ", Actively provide targeted financial services for the development of local characteristic industries, and increase support for industries and projects that drive poverty alleviation.

Huang Jinbo pointed out that the banking institutions in the jurisdiction have launched more than 50 specially specialized credit products such as "Apple Loan", "Raw Pig Loan", "Wood Ear Loan", "Tea Industry Loan" and "New Community Factory Loan". , Vegetables, including more than 460 characteristic agricultural insurance varieties. As of the end of June this year, the balance of various loans and counties in the old revolutionary districts and counties of the province was nearly trillion yuan, and the insurance insurance amount was 3.9 trillion yuan.

Huang Jinbo said that a series of industries such as the fruit industry, animal husbandry, and facility agriculture in Shaanxi have already produced vitality, and the red tourism industry has flourished, providing a large number of sources of income from the people of the old district. At present, the production of Apple and kiwi in Shaanxi is the number one in the country. Many revolutionary districts such as Yan'an and Zhaojin have become Internet celebrities.

When it comes to the achievements of the banking and insurance industry in Shaanxi Province in the past ten years, Huang Jindbo introduced it from four aspects.

First, the service quality and efficiency have improved significantly. The province's science and technology enterprise loans, green loans, and manufacturing loans have continued to grow rapidly, and the growth rate has remained above 20%in recent years. The annual loan of inclusive small and micro enterprises has exceeded 300 billion yuan, and the annual annual annual loan of inclusive agriculture has more than 200 billion yuan. The overall credit support balance of the province's industrial chain core enterprises is 1.2 trillion yuan. The balance of various loans in the Shaanxi Free Trade Zone exceeded 1.6 trillion yuan.

The second is the steady improvement of comprehensive strength. The province's bank insurance institutions and outlets have added 1,417, and the basic financial services have achieved full coverage of the village level. The scale of the banking and insurance industry assets was 2.7 times and 3.6 times that of ten years ago, respectively, with a balance of 4.73 trillion yuan in various loans, with an average annual growth rate of more than 13%. The depth of insurance rose from 2.53%to 3.92%, and the insurance density rose from 973 yuan to the current 2956 yuan, and the annual annual growth rate of the insurance industry compensation was 15%.

The third is to advance the reform of reform. 65 Rural Credit Society reorganized and reorganized into a rural commercial bank, and Xi'an Bank became the first bank in the northwest to be listed in A shares. At the same time, Shaanxi, as one of the first three pilot provinces and autonomous provinces in the national auto insurance reform, took the lead in launching the reform. At present, the average car premium has decreased by nearly 50%compared with the reform, and the cumulative saving premium expenditure for auto insurance consumers in the province is 19.5 billion yuan. The major illness insurance service project has covered more than 30 million urban and rural residents in the province. At the same time, the resolution of financial risks is promoted in an orderly manner. In the past ten years, a total of 239.6 billion yuan in non -performing loans. The legal person's small and medium -sized banks supplemented more than 90 billion yuan in capital, and the risk resistance capabilities continued to increase. Clean up 1006 insurance intermediaries.

Fourth, strict supervision of supervision, and the effectiveness of supervision continues to improve. Refine and improve the number of regulatory work systems, continuously optimize the risk monitoring and early warning system, and strengthen the construction of supervision cadres' capabilities. Since the reform of the institution, more than 600 bank insurance institutions have been punished, with a penalty of more than 200 million yuan. Through clean financial culture, entering the campus and the "Qin Lianlian" public account "Qin Lianlian" in the founding industry, in -depth promotion of the construction of clean financial culture, and continuously conservation of the industry's new style. (For more reports, please contact Wei Wei, the author of this article: [email protected]) (Zhongxin Jingwei APP)

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