Support the stabilization of the economic market Henan Banking Insurance Industry in Action 丨 Xingye Bank Zhengzhou Branch: Help the company's rescue and show the "steady market" of financial live water

Henan Daily Client reporter Li Peng Correspondent Du Hongtao

In order to thoroughly implement the series of decision -making deployments made by the Party Central Committee and the State Council on stabilizing the economic market, and efficiently coordinating the prevention and control of the epidemic and economic and social development, the Zhengzhou Branch of the Industrial Bank actively acts. The series of strategic steps, under the supervision of the Henan Banking Insurance Regulatory Bureau, accurately docking the needs of enterprises, unblocking financing channels, reducing financing costs, protecting the market entities to protect employment and livelihood, and providing solid financial support for stabilizing the economic market.

[President into Wan Enterprise] Focus on entities and increase credit to stabilize the economy

Since the launch of the "President Entering the Thousand Enterprises" activities, the Zhengzhou Branch of Industrial Bank has insisted on solving the actual difficulties of the enterprise and improving the level of financial services as the starting point and ending point of the work, highlighting the result orientation, more extensive service, and supporting the development of local enterprises. Essence

Henan Xinan Communication Technology Co., Ltd. is a high -tech enterprise integrating scientific research, development, manufacturing, and sales services. Many products have won the National Science and Technology Progress Award and applied for a patent.

After visiting, it was learned that the production cycle of enterprise products was long, the craftsmanship was cumbersome, and the investment in the early stage was large. In addition, the scale of development continued to expand. Enterprises needed mobile funds to ensure product development and supply.

In accordance with the needs of enterprises, the bank conducted an analysis of the company's project plan that year, and formulated a financial service plan suitable for enterprises. On August 11, the company received a credit of 10 million yuan in the bank's credit. The operating funds were guaranteed, and the product development was more motivated.

"We combine visits with policies such as supporting inclusive finance, manufacturing, and science and technology innovation enterprises to focus on the real economy and continuously increase support for key areas of policy." The relevant person in charge of the Zhengzhou Branch of the Industrial Bank of China introduced that as of the end of June this year , The bank visited nearly 2,000 enterprises, and achieved a total of more than 1,100 enterprises in various types of credit products, of which small and medium -sized enterprises accounted for nearly 90%; around different life cycles, the bank continued to increase the launch of qualified credit products. The cumulative realization of 71.53 billion yuan in various types of credit products has strongly supported the development of the real economy.

[Support specialized specialty new] Innovative product system to help enterprises develop high -quality development

The "specialized new" enterprise has continuous innovation capabilities, master core technology, is in the key links of industrial chain and supply chain, and plays an important supporting role in building the foundation of the national economic transformation and upgrading and improving the modernization level of the industrial chain supply chain.

In recent years, Industrial Bank Zhengzhou Branch has thoroughly implemented the national scientific and technological innovation and development strategy, focusing on supporting "specialized new" enterprises, high -growth science and technology enterprises, and the country's focus on supporting the development of strategic emerging industries in the field of strategic emerging industries, and give full play to the advantages of comprehensive operation of the group , Continuously build a financial product service system to meet the financial service needs of the enterprise's life cycle.

Five Star New Materials Technology Co., Ltd. is currently a large domestic production and sales enterprise with a large domestic production and sales. It is also a national specialized new "little giant" enterprise. Its product is a high -precision product in the graphite carbon industry. Focus on new material industries.

During the visit, the bank learned that the enterprise had financing demand and was used for raw material procurement and daily operating expenses, but lacked pledges that meet the conditions. To this end, the bank quickly established a special service team to develop in -depth corporate investigations and formulate exclusive financing plans for enterprises in combination with relevant support policies. When landing, high -efficiency financial services have been praised by the company.

目前，兴业银行郑州分行已建立相对完备的专精特新中小企业金融服务体系，对不同成长阶段的专精特新企业，推出了“专精特新贷”、“投联贷”、“郑The science loan "science and technology cloud loan" and other products have comprehensively met the financing needs of enterprises. In the first half of this year, the bank's scientific and technological SME loans increased by 305 million yuan from the beginning of the year, and landed by Henan Province's "specialized new loan" of 240 million yuan.

[Inclusive Finance] Improve service quality and efficiency, serve small and micro -guarantee people's livelihood

Small and micro enterprises are the basic cells of the national economy. Promotion Bank Zhengzhou Branch improves political standing, do a good job of "six stability" and "six guarantees", actively practice social responsibility, through strengthening assessment guidance, implementation of duties exemption, strengthening platform construction, research and development online products, promoting science and technology finance finance Waiting for the measures, create a financial service environment of "dare to loan and wish to loan", continue to increase the credit investment of small and micro enterprises, and fully support the healthy development of small and micro enterprises in our province.

At the same time, the bank continued to strengthen the financial support of the small and micro enterprises and individual industrial and commercial households to meet the financing needs of small and micro enterprises and individual industrial and commercial households. In addition to continuous support for traditional business loans, a number of new retail and inclusive loans have been launched, and the combination of online and offline models, online models, and online and offline combination models, the products are flexible and diverse to meet the financing needs of different groups.

As of the end of June, the bank's small and micro enterprise loans increased by 3.691 billion yuan from the beginning of the year, of which the inclusive small and micro enterprise loans increased by 2.56 billion yuan from the beginning of the year.

[Targe reduction] help enterprises and enterprises, and the cost of pressure reduction financing is apparent

In January of this year, Mr. Shen, who operated the building decoration business in Zhengzhou, has not been able to pay for the amount of funds and workers' expenses in the urgent need of hundreds of thousands of yuan because the downstream project has not been accounting. In desperation, Mr. Shen wanted to loans in a bank through the mortgage shop to solve the urgent need. After consulting a few banks, Mr. Shen was a bit frustrated. He found that some banks did not support the mortgage of the shop, and some banks let the Spring Festival proceeded until they were contacted to the Zhengzhou Navigation Middle Road Sub -branch of Industrial Bank. Mr. Shen saw hope again. "On January 23, the region where our branch was located on the first day of the opening of the epidemic control and the start of the business. After receiving the customer's consultation call, after inquiring the basic situation of the customer, we recommended personal business loan products, and preliminary calculations based on the value of customer real estate calculated calculated. The customer's loan amount is about 700,000 yuan, and the monthly interest is about 2100 yuan. Mr. Shen did not believe it at the time. He always asked us if we were calculated. "The employee told reporters.

Because of the urgent use of the money, he put down the phone, and Mr. Shen took the information on the same day to go through the procedures for the signing of the Middle Road Sub -branch. Because of Mr. Shen's lover, he accompanied his family in the hospital. The staff of the bank rushed to the hospital with relevant information to the hospital for facial sign -in procedures.

It was only a week before the Spring Festival holiday. Considering that Mr. Shen needs to pay before the Spring Festival, on the day of the completion of the face -to -face sign, the staff worked overtime, entered the system, and submitted approval. After many efforts, the last day before the Spring Festival holiday issued a loan 70 to Mr. Shen on the last day of the Spring Festival holiday 70 10,000 yuan.

After receiving the loan, Mr. Shen has been worried about the problem of funds, and the interest is nearly 20,000 yuan less than the previous budget. What makes Mr. Shen moved in particular that during the prevention and control of the epidemic, the bank also "specially specially" specially specially "specially specializes in the epidemic prevention and control. The special offices "went to the hospital for on -site service. The bank made him not only save money and save his heart, so the next day after the Spring Festival, Mr. Shen went to the Navigation Middle Road Sub -branch to send the flag of "helping the enterprise to help the enterprise and help the warm heart".

This is just a microcosm of the reduction of all kinds of customers. In recent years, the bank has adhered to the policy of "reducing fees and benefits, benefiting enterprises and the people", so as to "be able to avoid exemption" and "be able to carry out", and effectively alleviate the expensive financing issues. In terms of loan pricing, the bank is equipped with preferential policies such as the scale of special loans, the scale of risk assets, and the granting of FTP transfer pricing subsidies. In addition to strong support for small and micro enterprises and science and technology enterprises, it also has a special configuration for green finance and energy insurance supply. Credit resources in key areas such as manufacturing, housing leasing, etc., and guide the cost of financing in the real economy reasonably. In terms of cost reduction, the initiative to reduce or undertake 14 project charges for small and micro enterprises. In the first half of the year, a total of 2.1444 million yuan for small and micro enterprises.

It is understood that in the future, the Zhengzhou Branch of Industrial Bank will continue to do a good job of stable growth in financial support, improve political standing, implement policies and measures to stabilize the economy. Started more responsibilities, show greater actions, and continue to make a contribution to "ensuring high -quality construction of modern Henan, ensuring high -level modern Henan".

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