Support to stabilize the economic market Henan Banking Insurance Industry in Action 丨 CITIC Bank Zhengzhou Branch: Innovative Finance Supporting means to help stabilize the economic market

Jie Peng, a reporter from Henan Daily Client, Zhang Shigang Xia Baihe

Finance is the blood of the modern economy and the key factor that boosted the economy. In order to help market entities, Henan Provincial Local Financial Supervision Bureau, the People's Bank of China Zhengzhou Central Sub -branch, Henan Banking Insurance Regulatory Bureau, and Henan Securities Regulatory Bureau jointly issued the "Henan Finance Financial Supporting Economic and Social Steady and Healthy Development Work Plan", which clarified the 7 major aspects 35 Measures to stabilize the economy and promote development. CITIC Bank Zhengzhou Branch actively responded, continued to increase the rescue efforts to help enterprises, make full use of the "president into the 10,000 enterprises" activities, accurately apply, accurate efforts, make good use of various policy tools to provide enterprises with a comprehensive comprehensive financial service plan for enterprises , Effectively alleviate the pressure of corporate funds, and go all out to help stabilize the economic market.

Dredging the pain points of financing of people's livelihood enterprises

The people's livelihood enterprises should be responsible for the basic guarantee of social operations, and the impact of the impact of epidemics on people's livelihood enterprises is an important measure to protect people's livelihood. CITIC Bank Zhengzhou Branch has made every effort to increase its emergency support for enterprises. It will provide special credit approval processes for enterprises and logistics enterprises and "vegetable baskets" projects, and perform special credit approval processes, and flexibly do a good job of loan investment management.

A grain wholesale company is a state -owned enterprise in our province. It takes food acquisition, warehousing, trade, etc. as its main business. The cumulative spot grain and oil transaction volume and turnover ranks first in the national grain wholesale market. Affected by the periodicity of the grain wholesale industry, the company occupies a large amount of funds in the grain harvest season and the transaction frequency is high. With the expansion of business scale this year, its liquidity demand has continued to increase, and financing products with convenient operation and low prices solve short -term capital gaps.

During the visit of "President into Wan Enterprise", after learning about the dilemma of the enterprise, the bank actively used the state's key assistance policies for the agricultural grain industry, recommended the company's E -financing products, from the withdrawal of the withdrawal to the full process online online online. In operation, we will not only help companies solve the problems of difficulty in finance and financing in the peak season of the grain industry, but also help enterprises to fully play their functions and make positive contributions to stabilizing the market's grain prices and realizing the macro -control of the grain market.

Through the "President Entering the Thousand Enterprises" activities, the bank needs to ask the enterprise, the enterprise, and help the enterprise to relieve difficulties. As of August 12, CITIC Bank Zhengzhou Branch visited more than 3,000 enterprises to provide financing support for enterprises. It really helped enterprises to solve problems and added motivation to enterprise development.

Escort "specialized new" to achieve high -quality development

"Specialized new" enterprise is the cornerstone of the core competitiveness of my country's manufacturing industry, and provides important support for the manufacturing and the development of the real economy. Through a series of financial support programs, CITIC Bank Zhengzhou Branch actively supports the development and growth of "specialized new" enterprises.

A certain refractory material Co., Ltd. is a national specialized new "little giant" enterprise. The main business is the manufacturing and sales of new refractory materials. It belongs to the strategic emerging industry-the new type of refractory material industry. In 2022, the company expanded its production and operation and put into production into the third production line. Affected by factors such as the epidemic in the second quarter, the tension of downstream customer funds of the enterprise caused a slow back to slow the payment.

After the field visits and in -depth investigations, the Bank of China Xinyin Zhengzhou Branch believed that the company was in line with the policy of supporting manufacturing, specializing in new enterprises, and inclusive customer policies in inside and outside the bank. "Special products provide enterprises with low -cost funding support, help enterprises expand financing, reduce costs, and increase efficiency, and escort the normal operation of enterprises.

CITIC Bank Zhengzhou Branch actively responded to social concerns, continued to increase credit support in the fields of green finance, strategic emerging industries, rural rejuvenation, and manufacturing. The high -quality development of the real economy.

Empower small and micro enterprises to solve funding problems

"One paper bidding contract can be approved by nearly 5 million yuan, which is too convenient and fast!" Recently, the general manager of a certain electronic technology Co., Ltd. of Henan, the general manager of Henan.

The company is a small and micro enterprise providing teaching equipment such as computers, tablets, and student tables for the university. In August, the company won a project project to pay the funds in advance to the opponent. It affects the long period of time and causes the temporary shortage of funds. Seeing that the delivery period is approaching, the business owner is like sitting on a needle felt.

After the CITIC Bank Zhengzhou Branch learned of the difficulties of the company, it quickly recommended the "political mining E loan" to the enterprise. After online fully automated review and lending, the company received 4.82 million yuan of "charcoal in the snow" on the same day. As of August 10, the bank has provided a total of 590 million yuan in credit to 155 small and micro enterprises.

The large number of small and micro enterprises and a large proportion is not only an important market entity, but also an important aspect of employment. CITIC Bank Zhengzhou Branch continues to improve the inclusive financial product service system, provides a convenient and fast service experience for small and micro enterprises, and gives full play to the advantages of online credit products such as science and technology E -loan, silver tax e loan, logistics E loan, and tariff E loan. , Continue to increase the credit investment of inclusive small and micro enterprises; at the same time, for small and medium -sized enterprises that have seriously affected the epidemic, resolutely implement the policy of extended repayment of principal and interest, reducing fees to make profits, and help enterprises go through the difficulties smoothly.

Since the beginning of this year, CITIC Bank Zhengzhou Branch has continuously innovated products to expand corporate financing support. Through comprehensive services, we have tried to reduce business costs and carry out online business improvement efficiency. It has provided a total of 18.7 billion yuan in credit support to 4815 small and micro enterprises.

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