"One enterprise and one policy", take multiple measures to work together to help the development of small, medium and micro enterprises for precision services

Small and micro enterprises are the "blood veins and bones" for the development of my country's real economy. Supporting the development of small and micro enterprises is of great significance to stabilize the economic market, "protecting people's livelihood" and "guarantee employment", and promoting the economic development of high -quality development. Since the beginning of this year, the financial institutions of Hebei Province have actively responsible for the development of small and medium -sized enterprises in serving small, medium and micro enterprises, and actively acting. By reducing fees, deepening financial services, etc. Based on the full survey, based on the reality of local and industries and enterprises, tailor -made "one enterprise, one policy" precise financial services for enterprises, and effectively improve the quality of service.

1. Continue to reduce fees for profit

Help enterprise rescue difficulties

为更好地贯彻落实人民银行等四部门《关于降低小微企业和个体工商户支付手续费的通知》要求，河北省内各商业银行主动作为，积极行动，进一步向实体经济让利，持续降低小The operating costs of micro -enterprise and individual industrial and commercial households.

During the implementation of specific policies, on the one hand, the CCB Shijiazhuang Branch adopted the evaluation fee and insurance premiums involved in the enterprise's loan process. On the other hand, the financing interest rate was continuously reduced. The annual interest rate is as low as 3.7%, which is equivalent to 10,000 yuan a year interest of 370 yuan, and the daily interest is only about 1 yuan. It really benefits small and micro enterprises.

Tangshan Bank actively reduced some credit product interest rates, with a maximum decrease of 100bp. In addition, the bank also exempts 91 bank settlement service fees for the company's business, personal business, and international business.

Most of the small and medium -sized enterprises "specialized in specialty" are small and have the characteristics of "two highs and one light", that is, high -tech investment, high human capital investment, and light assets require a large amount of long -term capital investment, but due to the technology of such enterprises technology There is uncertainty in the prospects of development and results transformation, relatively large risks, and lack of qualified pledges. Therefore, it is difficult to obtain loans from banks.

In order to meet the credit needs of SMEs for SMEs, many commercial banks in our province innovate traditional risk control methods in accordance with the characteristics of enterprises and meet the capital needs of enterprise development.

On July 7, the Shijiazhuang Branch of Bohai Bank successfully issued a loan of 3 million yuan for a science and technology company in the province. The business was the first science and technology enterprise credit loan that was included in the scientific and technological innovation special re -loan scope of science and technology innovation. According to reports, this technology company is a "Provincial Specialty New Demonstration Enterprise". For business that meets the requirements of scientific and technological innovation and re -loan, financial institutions provide a preferential interest rate of one year and 1.75%of interest rates.

Since the second quarter of 2021, Huaxia Bank Shijiazhuang Branch has carried out special marketing activities for "specialized in specialized new" enterprises within the entire bank, and settled in the "Hebei Provincial Small and Medium Enterprise Investment and Financing Service Platform" in the Hebei Provincial Industry and Information Technology Department to cooperate with government functions. The department conducts online publicity. In response to the company's active reaching the "special specialty new" list, the bank "delivered a loan on the door" during the difficult period of the epidemic influence, widely publicized preferential policies, promoted products without renewal loans, extension, etc. Strictly implement the policies of various cost reduction and preferential interest rates, and effectively reduce the direct financing costs of enterprises; optimize the industry, customers, and regional access policies, open up green channels for approval, and make it easier for enterprises to obtain financing support faster.

2. One enterprise and one strategy

Precise irrigation of financial live water

Since the beginning of this year, commercial banks in our province have actively adopted innovative work measures such as "one enterprise, one strategy, one thing, one policy", and continuously enrich the types of loan products. , Non -pressure loan, rationally adopt measures such as adjusting the repayment plan, no repayment of the renewal and exhibition period, to ease the pressure of enterprise operation.

CCB Shijiazhuang Branch launched "tax loans" for high -quality enterprises, "settlement loans" of public settlement accounts at the bank, "single loans" of QR codes or POS machines, and "tobacco retail customers of tobacco retail customers "Loan", "foreign trade loan" of foreign trade batch enterprises, "Jixinyun Loan" based on government integration enterprises and personal government service data, etc., refine the category of customer categories and provide tailor -made products. As of the end of the first quarter, there were 16,000 customers of inclusive credit loans, accounting for 77.6%, and continuously supported more small and micro enterprises to obtain credit loan support for mortgage guarantees.

The area of ​​Baoding City is vast, there are many cities and counties under the jurisdiction, and the location of the industrial structure is obvious. Each city and county have distinctive leading industries. Based on the full survey, Baoding Bank launched two 22 Puhui small micro -special -color credit products: Golden Branch, Growth, and Rural Revitalization. Among them, inclusive small and micro special products such as "Golden Branch · Business Circle Loan", "Growing up, and Credit" in Baigou areas; Innovative financial products such as loan "" Yaoxiang Cang Loan "; and rural revitalization credit products" Golden Branch · Hui Nong Loan ".

The "Love Township · Taihang Water Town -Rural Tourism Industry Featured Towns" project, which is supported by Baoding Bank. In the past five years, Shuizhen Township Creation Platform has incubated 476 people who returned to their hometowns and peasants as their bosses, and accumulated a total of 5,286 people in the surrounding people directly and indirectly employed, driving the regional poverty alleviation population of more than 7,400 people.

3. Find the crux

Hanging the outbreak of trapped companies are overwhelming

Affected by factors such as insufficient demand and rising costs caused by the epidemic, many small and medium -sized enterprises have encountered temporary difficulties. Commercial banks in our province are looking for the symptoms and accurate policies, and adopt preferential policies such as extended repayment and no repayment loans to help enterprises rely on rescue. Tangshan Bank has carried out the "big assistance, big contracting, big service union, big service" activities, and in accordance with the management of key enterprises and employees of the general employee, an individual industrial and commercial households; the executives take the lead in sinking enterprises, and the entire bank actively participates in the Qianlian Gang Gang Gang Gang. The mode of support, the help of the help bags in the level and step by step. As of now, a total of 6385 households have been connected to the market, and 89 bank -enterprise docking meetings have been organized to provide funds with a funding support of 18.36 billion yuan. Carry out special visits to the "Enterprise Gang Enterprise", and use 18 comprehensive branch behavior units. The president of the sub -branch personally leads the team, enter the plant, see production, and ask the needs, sort out visiting key enterprises, and continue to focus on small and micro enterprises, individual industrial and commercial households, Demand, formulate a refined docking plan, establish a work ledger, responsibility to people, and a gang to the end, so that the needs of enterprise needs to be effectively resolved, and help achieve "transfer enterprises, small ascension, and lower limit."

At the same time, Tangshan Bank adopted credit protection measures for related customers affected by the epidemic, involving an amount of over 50 million yuan. The annual interest rate of small micro -credit products "tax e loan" was reduced to 4.14%, and the maximum credit amount increased from 2 million yuan to 3 million yuan. Since the beginning of this year, "tax e loan" has issued more than 600 million yuan in credit funds for small and micro enterprises such as accommodation catering, wholesale and retail.

During the epidemic of Shijiazhuang Branch of Bohai Bank, the "no -renewal loan" business was used as an effective tool for helping enterprises to relieve the rescue of the enterprise. It promptly solved the difficulty of customers and allowed customers to feel the warmth of the Bohai Bank.

Huaxia Bank Shijiazhuang Branch based on the inclusiveness and people's nature of financial services, actively respond to relevant policies, will maintain small and micro customer funds chain, maintain the company's autonomous "blood -making" function as an important starting point for branches, and actively help the temporary encounter of the epidemic situation Small and micro customers, in accordance with the principles of marketization, have extended their principal and interest on their loans, do a good job of continuous financing arrangements, and strive to delay delay and help.

(Looking at the news of the news Yanzhao Metropolis Daily reporter Zhang Jingtao)

- END -