Luoyang promoted "transportation loan" to accelerate the landing: 76.67 million yuan of loans issued, with an average interest rate of 4.25 %

[Dahe Daily · Dahecai Cube] (Zhang Yanhui Correspondent Zhao Feihu) The transportation and logistics industry is the "arterial blood vessel" of economic development. It is related to the national economy and people's livelihood, and it is important to ensure the stability of the industrial chain and the supply chain.

Under the severe situation of the continuous impact of the epidemic, how to help the transportation and logistics industry "promoting blood circulation"? The reporter learned from the Luoyang City Transportation Bureau that on August 31, Luoyang City's transportation and logistics industry helped enterprises to relieve the "transportation loan" publicity and government -enterprise banking docking work symposium to promote "transportation loan" to accelerate the landing, timely resolve transportation enterprises The funding problem encountered.

The meeting invited the Central Plains Re -Guarantee Group to introduce the cooperation model and application process of "transportation loans" and "political and banks". The competent transportation authorities, banks, and enterprises face -to -face conducting inquiry and exchanges and policies answering questions. China Postal Savings Bank Luoyang Branch signed a credit contract with Luoyang Deheng Logistics Co., Ltd.

It is understood that "transportation loan" is based on the maximum to strive for a 10 billion yuan share of the national transportation and logistics special re -loan. Administration, Central Plains Reinforcement Group and relevant financial institutions designed for industry enterprises the most preferential credit interest rates, maximum credit lines, and special credit products with the characteristics of the transportation and freight logistics industry. In an innovative cooperation model, establish an effective carrier of road passenger freight, urban transportation and other industries. The banks are 7 agricultural development banks, ICBC, Agricultural Bank, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank. In accordance with the principle of injection to the "capital pool" not less than 1%of the total loan demand, the Luoyang Municipal People's Government has approved the injection of 2 million funds to leverage the amount of loan of 200 million yuan. As of the end of July, Luoyang City issued a preferential interest rate loan of 76.67 million yuan in transportation and logistics, with a weighted average interest rate of 4.25%, 135 road cargo transportation companies, and 122 road cargo transport individual industrial and commercial households.

Liang Zhihong, the vice president of Luoyang City Sub -branch of the People's Bank of China, demanded that seven banks should take the initiative to study policies, make good use of policies, improve the ability to undertake central bank funds, and help to open the policy to the last mile of the policy; To strengthen the docking with the “two enterprises and two” groups in the transportation and logistics industry, contact the industry authorities, do financial services such as project reserves and financing demand doors, and convert policy dividends into the effectiveness of support for development as soon as possible.

Peng Renlai, Secretary of the Party Group and Director of the Luoyang City Transportation Bureau, said that in the next step, the Luoyang City Transportation Bureau will further increase the promotion of the "transportation and loan" policy, send the "service manual" to the relevant enterprises, and send it to the "small two" in the enterprise store. " ; Establish and improve industry authorities, financial regulatory agencies, banks, and enterprises "Sifang" communication mechanisms, seize the dividend window period, give full play to the work of "several lifts", and go all out to serve the city's transportation market entities Restoring vitality has made greater contributions to stabilizing the economic market.

The Luoyang City Transportation Bureau opened a service hotline: 0379-63481854. Here, the reporter also specifically sorted out the relevant policies of "transportation".

(1) What is "transportation loan"?

"Transportation Loan" is the most preferential credit interest rate designed by the Provincial Department of Transportation and the Provincial Department of Transportation and the People's Bank of China, the Zhengzhou Central Sub -branch of the People's Bank of China, the Provincial Banking Regulatory Bureau, the Provincial Local Financial Supervision and Administration Bureau, the Central Plains Reinforcement Group and the relevant financial institutions for the industry , The maximum credit line and the special credit products of the transportation and freight logistics industry, it is also the effective carrier of innovative cooperation models such as "political and banking" and other innovative cooperation models for the industry. Essence

(2) What are the application conditions? What are the uses of funds?

The scope of the "two enterprises" (road cargo transportation enterprises and logistics distribution enterprises) shall meet the following conditions: road transport enterprises with more than 4.5 tons of ordinary freight vehicles. The "Road Transportation Business License" issued by the competent transportation department should provide the number of self -cargo vehicles and vehicle license plates and vehicle driving licenses issued in the past three years. A road transportation enterprises using ordinary freight vehicles below 4.5 tons shall have a business license and vehicle driving license. Small and medium -sized express delivery enterprises shall have the "Express Business Business License" (including branches) issued by the postal express management department.

"Two" (two "(individual industrial and commercial households and individual ordinary freight vehicle owners) scope shall meet the following conditions: those who use more than 4.5 tons of ordinary freight vehicles shall have a" four certificates "and" one contract ". "Four certificates" refers to the vehicle driving license, road transportation certificate, driving license, and qualification certificate. "One contract" refers to the vehicle purchase contract. Those who use 4.5 tons and below ordinary freight vehicles shall have "two certificates" and "one contract". "Two certificates" refers to the driver's license and vehicle driver's license, and "one contract" refers to the vehicle purchase contract.

Loan funds are mainly used for transportation and logistics operation expenditures during difficult periods, replacement of loans for vehicle purchase.

(3) What are the special loan business supporting banks?

The special loan business support banks are agricultural development banks, ICBC, Agricultural Bank, Bank of China, Construction Bank, Bank of Communications, and Postal Savings Bank.

(4) What is the term, interest rate, and quota of special re -loans?

The period is 1 year, the exhibition period can be one year, the exhibition period is 1 year, and the interest rate of the exhibition is unchanged. Executive until the end of 2022. At present, the Luoyang Municipal People's Government has approved the injection of 2 million funds in the "Loan Loan" fund pool. According to the principle of not being less than 1%of the total amount of local loan demand, it can provide 200 million yuan loan support to help enterprises solve development development Fund difficulty. (5) Special loan method?

One way is the bank direct loan model. Eligible companies directly contact banks to apply for loans.

Another way is to "transport loan" political and silver cooperation model. The Provincial Department of Transportation and the competent transportation department of various provinces and municipalities have established the "Special Fund Pool of Transportation, Logistics and Loan" (referred to as the fund pool). The Central Plains Re -Guarantee Group is unified management, which is specially used to make risk compensation and premium subsidies to the financing guarantee project of "traffic logistics and loan" cooperation guarantee agencies, and dynamically adjust the scale of the capital pool according to the actual business development situation.

(6) The main purpose of the "Yuntong Loan" fund pool?

The "political and silver" business model is based on the use of fiscal funds to establish a "Express Loan Pool Pool" and carry out relevant financing guarantee business. There are two main uses for the special re -loan of transportation and logistics: one is to provide guarantee for the "two enterprises and two" groups to apply for loans, exempt the guarantee fee, and reduce the cost of loan financing; Guarantee agencies provide guarantee fees for guarantee. Second, when the "two enterprises and two" groups have the ability to repay for no repayment and cannot be repaid normally, the fuse mechanism cannot be repaid in the loan principal of 20%and compensation for risk compensation. The remaining 80%of them are issued by loans, guarantee agencies, and Central Plains Rean Guarantee Group, and compensate for risk compensation in proportion.

(7) How to issue special re -loans?

Adopting the "first loan and then borrowing" direct mechanism, financial institutions first issued loans to eligible enterprises, individual industrial and commercial households and truck drivers, and then applied for funds from the People's Bank of China. For the qualified "two enterprises and two" loans, the bank applied for a special re -loan from the head office of the People's Bank of China before the 10th of each quarter.

Responsible editor: Chen Yuyao | Review: Li Zhen | Director: Wan Junwei

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