"Water Good Fish Wang" coordinated efforts to continue to increase support for small and micro enterprises

"Water Good Fish Wang" coordinated efforts to continue to increase support for small and micro enterprises

Wen/Yuncheng City Rural Credit Cooperative Secretary of the Party Committee and Chairman: Qin Jiangfeng

Editor's note: Yuncheng Rural Credit Cooperative (Rural Commercial Bank) is a local financial institution with the largest number of business outlets, the largest deposit and loan scale, and the strongest local economic strength. "The main bank of serving the economy. Faced with the influence of the epidemic and the economic downturn, the Rural Credit Cooperative of the Yuncheng City has never forgotten the original intention and keep in mind the mission. It strongly supports the multiplication of market entities, agricultural transformation and upgrading, and the people to get rich. It provides strong financial support for the construction of the "one district, two cities and three strong cities and three highland" and comprehensively promoting the high -quality development of Yuncheng.

The Central Economic Work Conference proposed to guide financial institutions to increase support for the real economy, especially small and micro enterprises, scientific and technological innovation, and green development.

The State Council's "Government Work Report" arrangement has promoted financial institutions to reduce the actual loan interest rate and reduce charges, so that the majority of market entities can experience the improvement of financing convenience and comprehensive financing costs.

The Provincial Party Committee, the Provincial Government, and the Municipal Party Committee, and the Municipal Government have decided to implement the multiplier project of the market entity to focus on helping the small and living aquatic fish.

Since the beginning of this year, the Rural Credit Cooperative of Yuncheng City has grasped financial services from the high degree of politics, and has implemented the major strategic decisions of the Party Central Committee and the State Council and the deployment of provincial and municipal arrangements, as well as the specific arrangements of the Provincial Party of China. Construction of Hui Financial Ecological Layout, build a richer diversified ecological scenario, create more small and micro -Pu Hui financial products, build a long -term mechanism for small and micro financial services, and continue to empower the high -quality development of small and micro enterprises.

A collaborative force of "increase, expand, raises, reduce, reduce, delay, and stimulates", "water and fish and fish", "water deep fish", "more water fish", "water and good fish prosper", in Hedong The earth spreads slowly.

Increase: Increasing the total amount and quota gives small and micro enterprises more sense of gain

Increase, let the "Command Garden" burn passion again!

Entering Lintong County Mengke Fat Fertilizer Co., Ltd. is a fiery production scene in front of it.

Yang Changsheng, the person in charge of the company, is a veteran (service) soldier. He is very grateful to the training of the troops. It not only implements military management of the enterprise, but also registered the trademark brand as the "Command Park".

Affected by the epidemic, in April, Monte's mobile funds had a gap of 2 million yuan.

After understanding this situation, Lintong Rural Commercial Bank Xiaowei Financial Customer Service Center immediately connected. Special affairs and special offering to build financing products. On the basis of credit loans, then reduce the guarantee threshold, provide interest rate discounts, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, enough amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount, full amount Meet corporate needs.

"Lintong Rural Commercial Bank does not draw loans or keep loan. If there is conditions to be put, there are no conditions to create conditions, and there are very good styles of the army to overcome difficulties!" Yang Changsheng sighed.

There is a powerful backing of Lintong Rural Commercial Bank, and Yang Changsheng, "Command Garden", is full of passion. Hard brand! "

In order to support more enterprises, Lintong Rural Commercial Bank Xiaochao Financial Customer Service Center vigorously conducts loan services, on -site docking, online promotion, platform marketing, old -fashioned and new, and benefits, which can be described as eight immortals across the sea — each showing magical power.

As of the end of August, the center had added 419 million yuan in credit to 1530 households, an increase of 200%year -on -year credit.

The total loans of Yuncheng Rural Credit support for small and micro enterprises have increased significantly.

Increase, let the dust no longer fly!

In the early autumn, under the blue sky, in a lithotripidal field in Wangshan, although busy, he did not see "dust flying, noise shaking the sky".

"After rectification, we have re -green while mining, reaching the relevant standards of dust reduction, noise, and preventing pollution." Ning Mou, the person in charge of the quarry, said full of confidence.

Two years ago, Ning's quarry was suspended and rectified due to the governance of open -air mines. During the period, he went out to study many times, studied and formulated a full life cycle development plan from scientific management, technology to ecological restoration, and firmly determined to follow the road of green development.

Subsequently, Ning loaned 1.3 million yuan in Wanrong Rural Commercial Bank, strictly renovated and upgraded the factory area in accordance with environmental protection requirements.

Green environmental protection has become Ning's advantage, and business is getting better and better. He decided to last a production line, but the funds were not enough.

After learning about the situation, Wanrong Rural Commercial Bank immediately acted and increased the credit line. It took only three working days to issue 5.6 million yuan in loans.

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Yuncheng Rural Credit supports the loan quota of small and micro enterprises significantly increased.

Focusing on "increase", Yuncheng's agricultural credit actively acts, actively penetrates small and micro enterprises within its jurisdiction, understand financial needs, accurately match services, further increase the total loan, increase the amount of loans, and greatly support small and micro enterprises to rescue the production and high -quality high -quality production and high quality develop.

As of the end of August, the new small and micro enterprise loans of small and micro enterprises in Yuncheng Rural Credit Cooperative were 6.907 billion yuan, a 31.08%growth rate at the beginning of the year, making small and micro enterprises more sense of gain.

Not only increase.

"Zeng" is more reflected in political standing. Yuncheng agricultural credit knows that market entities are the main participants of my country's economic activities, the main providers of employment opportunities, and the main promoters of technological progress, playing a very important role in national development.

Financial work should be used as political considerations. It is at this political height that Yuncheng agricultural credit actively implements political requirements when promoting financial work, prevent political risks when dealing with financial issues, highlights political standards when testing financial results, continuously enhanced political judgment, political understanding, and political execution force. Based on this, Yuncheng's agricultural credit further improved the work mechanism of the "Dare to Loan Loan" and continuously enhanced the service capabilities of "loan loans". At present, offline customer acquisition is turned to online customer acquisition, offline loan approval is turned to online approval, and the on -site supervision of on -site supervision turned to online real -time supervision ... The new financial services centered on small and micro enterprises and surrounded by small and micro enterprises. It is formed at the Rural Credit Cooperative of Yuncheng City.

Expansion: Expand coverage and use letters to make small and micro enterprises have more happiness

Expansion makes Hang Luo have a new dream!

As the saying goes, after the autumn, the old cow is hot. After the beginning of autumn, the busy Hang Lung Casting Co., Ltd. gritted his teeth for two days to stop, and quickly installed the cooling equipment for the workshop.

The company is a new "little giant" enterprise in Pinglu County. This is inseparable from the support of Pinglu Rural Commercial Bank.

Pinglu Rural Commercial Bank employees investigated the production and operation of Hang Lung's casting production and operation in Hang Lung's workshop

In March of this year, due to the tight mobile funding, Cao Jianlong, the person in charge of Hang Lung's casting, remembered the staff of Pinglu Rural Commercial Bank of Pinglu Rural Commercial Bank who had recently promoted the loan business many times.

Because he had not made a deal, Cao Jianlong was not solid in his heart.

The Pinglu Rural Commercial Bank came here. The bank specially established a small WeChat Credit Center this year to actively marketing and investigation in accordance with the "white list" of small and micro enterprises in the county, laying a good foundation for rapid loan.

Soon, Hang Lung's casting received a loan of 1.95 million yuan. However, in less than two months, Hang Lung's casting wanted to loan again.

"Just loan, and it is estimated that it is difficult to make a loan, so we also made an application to another financial institution." Cao Jianlong said, "I did not expect that the Rural Commercial Bank not only added me to 3 million yuan, but also reduced it. Interest rates can save more than 100,000 yuan after accounting alone, and another financial institution has not answered so far. "

With the support of Pinglu Rural Commercial Bank, from January to August of this year, the output value of Hang Lung's casting has reached more than 20 million yuan, and the second phase of the project is about to be completed. At that time, the product variety will increase to more than 30 types, with an annual output value of more than 100 million yuan.

The road of dreaming of Hang Lung's casting is not only there. At present, the company is preparing for the "annual output of 50,000 tons of casting projects", and the annual output value after completion is expected to reach 1 billion yuan.

In order to support small and micro enterprises, Pinglu Rural Commercial Bank also actively contacted the Yuncheng City Finance Federation SME Financial Guarantee Co., Ltd. to continue the applicant's sub -agricultural branch small re -loan, continue to use relevant policies, and vigorously resolve customer guarantees. question. From January to August this year, the bank's service small and micro customers increased by 149%year -on -year.

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Yuncheng Rural Credit support the loan coverage of small and micro enterprises has expanded significantly.

Expand it to make the "living body" loan a reality!

Recently, in just three days, Xinzhe Rural Commercial Bank successfully issued the first "living body" mortgage loan of 400,000 yuan.

Affected by the epidemic and market supply and demand, some breeding households have increased pressure since this year. Under the guidance of the Provincial and Municipal Federation of Commercial and Commercial Bank, Xinjia Rural Commercial Bank has closely studied the "Administrative Measures for Live Animal Mortgage Loan" to provide farmers with strong credit support.

The bank rely on the People's Bank of China Credit Center's "Unified Registration of Real Estate Financing Registration and Publicity System" to handle mortgage registration to achieve live mortgage registration and publicity; apply for guarantee for Shanxi Agricultural Credit Financing Guarantee Co., Ltd. Cowbuilding insurance "insurance products reduce loan risks. "Mortgage registration+agricultural burden+insurance" not only successfully solved the problem of bank risk control, but also effectively reduced customer financing costs.

In order to promote the implementation of the "living loan" as soon as possible, the bank took the initiative to dock with the county animal husbandry bureau and other departments, and actively promoted and promoted to farmers. In the end, the loan business of the first customer was completed in just three days.

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Yuncheng Rural Credit supports the use of small and micro enterprises to expand significantly.

Focusing on "expansion", Yuncheng Rural Credit Cooperative organizes two levels of institutions in cities and counties to actively connect with party committees, governments and relevant departments, and comprehensively find out small and micro enterprises pushed by the Financial Office, the Agricultural and Rural Bureau, and the Development Promotion Center of Small Enterprises. The demand for financing, customers who have financing intentions and meet the conditions of access, adhere to the principle of "capable loan, can loan fast loan", and continuously expand the small coverage of financial support.

As of the end of August, the balance of loans of small and micro enterprises in the Rural Credit Cooperative in Yuncheng City was 22.261 billion yuan, a year -on -year increase of 31.18%. Among them, the first loan households increased by 96.61%year -on -year; 1.22 billion yuan was used, a year -on -year increase of 187.56%. Let small and micro enterprises have more happiness.

Not only expanded.

"Expansion" is more reflected in breakthrough constraints. Once, for many small and micro enterprises, it was a big difficulty for the borrowing of the first money from the bank to the first money. It is difficult to be restricted by factors such as lack of guarantee, less mortgage, and information asymmetry.

Today, this restriction is breaking through the city's rural credit cooperatives. The agency starts from its own, improves product services, and actively solves the problem of asymmetric information; upgrade the credit management system, build a special credit model for small and micro enterprises; develop mobile applications ... make the process of first loan easier, the loan is more convenient, more convenient, and The repayment is more flexible.

Makeup: Improve quality and efficiency to give small and micro enterprises more quality feelings

Speaking, make "one page coffee" hot again! One page of coffee shops is a leisure place for Yongji City.

Before the outbreak of the new coronary pneumonia, the shop was difficult to find at a table. After the outbreak, the business was indifferent, and the online takeaway was maintained.

"Recently, there is the social security card business circle of Yongji Rural Commercial Bank, and the business is getting better again!" Said Manager Lu.

After a page of coffee shops, Yongji Rural Commercial Bank employees went to visit. Liu Dong Photo

Since 2021, Yongji Rural Commercial Bank has opened a one -stop service service for the social security card, so that the masses can run business at the door of the house, and the number of cardholders has grown rapidly.

Unexpectedly, the customer group of these social security cards, because a preferential event launched by Yongji Rural Commercial Bank has become the basis of a page of coffee business from cold to heat.

In order to join hands with the small and micro enterprises, Yongji Rural Commercial Bank launched the "Fuhui Pu Ban Jinxiang City" alliance business district event in the second quarter of this year, covering 68 merchants including supermarket pharmacies, agricultural stores, catering and entertainment. Consumers only need to use social security cards to bind WeChat payment, and they can enjoy a discount event of minus 8 yuan every Saturday.

After the social security card business district event began, the passenger flow of coffee rose sharply. "The preferential quota was snatched up before 9 am every day." Director Lu store said happily.

The social security card business district activity has attracted many merchants and customers, forming a win -win situation. Through the recommendation of a page of coffee, hundreds of customers have applied for a social security card for Rural Commercial Bank. The merchants participating in the event have also increased from 68 to 240.

Social security cards can not only consume, buy medicines, and access, but also loans. Yongji Rural Commercial Bank has incorporated credit cards into social security cards, and each card has a maximum credit of 200,000 yuan. For some high -quality customers, Yongji Rural Commercial Bank also embeds the "Fortune" business into social security cards and gives a maximum credit limit for 2 million yuan. At present, the bank has received a credit card of 78.5 million yuan through social security cards.

Behind the "one page of coffee" and "hot" is the big layout of Yongji Rural Commercial Bank's social security card financial services. As the first agricultural credit system in the city to open the social security card business, the bank is based on the theme of "Social Security Card and Favorite Life", integrates various financial businesses, and strives to create a new situation for the win -win situation of agricultural and commercial banks, merchants, and customers. Essence

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The quality of loans to support small and micro enterprises in Yuncheng Rural Credit has increased significantly.

Ask, let Xisheng "hatch" cattle village!

"His feelings for cattle are better than his children." The villagers commented on Guo Zhi, the head of Xisheng Breeding Professional Cooperative in Yantou Village, Wenxi County.

Before, Guo Zhihui led the pigs to support the pigs. A swine fever was heavy. The following year, considering the risk of pig farming, the cooperatives changed cattle.

It can start the funds but it is difficult to hold Guo Zhihui. At this time, he remembered the credit card of Wenxi Rural Commercial Bank. I have a credit limit of 50,000 yuan, and other members of the cooperative also have a limit of 20,000 yuan and 30,000 yuan.

Everyone made up and bought 10 small cows first. People are good to cattle, and cows help people. Gradually, the cow gave birth to a calf and entered the normal state.

Compared with pigs, the risk of raising cattle is small and beneficial. Under the influence of Guo Zhi, the village has "hatched" three cattle farms. At present, the number of cows in the village exceeds 100.

When the masses benefited, Guo Zhihui was selected as the secretary of the party branch and director of the village committee of the Lumou Village.

In April of this year, Yutou Village was rated as AA Credit Village by Wenxi Rural Commercial Bank. As the leader of getting rich, Guo Zhihui received a credit limit of 300,000 yuan, and the credit amount of ordinary villagers also increased to 100,000 yuan, and the interest decreased by 30%.

In order to develop and expand the cattle raising industry, Yokou Village decided to run another village collective cattle farm, invested 3 million yuan, and 150 cattle raising, driving more villagers to become rich.

Guo Zhihui felt that the burden on his shoulder was heavier, "Fortunately, there is a share of Rural Commercial Bank for me." In addition to loan support, the staff of the Rural Commercial Bank of China has repeatedly went to the Lumou Village to hold a financial lecture hall. It not only popularized financial knowledge, but also invited breeding experts to "pass the scriptures and send treasure".

Support a person, drive a group of people, incubate an industry- "Hesheng Mode", reflect the new trend of credit work in the entire village of Rural Commercial Bank: from the "expansion" to the "efficiency" stage.

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Yuncheng Rural Credit supports the overflow of loans for small and micro enterprises significantly improved.

Focusing on the "mention", Yuncheng and Rural Credit Cooperatives continued to increase financial services innovation, explore supply chain financing, carry out silver cooperation, expand financing guarantee methods, expand marketing service methods, strengthen political UnionPay cooperation, and make good evaluation of financial services. Effectively improve the quality and efficiency of financial services, so that small and micro enterprises have more quality.

Not only to improve quality.

"Mention" is more reflected in comprehensive services. For a long time, bank services are limited to shallow functions such as credit, settlement, etc., and it can be described as high -quality services. However, with the upgrading of financial demand side, the traditional financial supply side and financial demand side are obviously difficult to match.

Yuncheng's agricultural credit deeply understands the new trend of financial services, use financial demand side to force the reform of financial supply side, put the efforts to support the growth of small and micro enterprises, and vigorously launch a collection of "financing, integration, and integration of business" Comprehensive services, actively help small and micro enterprises to enhance internal vitality, so as to achieve financial services from "integrating" to "integration".

Downside: Reducing interest and costs makes small and micro enterprises more proud

Settle, let Zhongbao paper expand production!

"Since the beginning of this year, not only has the production capacity expanded, but also full load production. Workers have fell three shifts a day, and people have not rest." Gao Chang'e, chairman of Zhongbao Paper, said reluctantly. Zhongbao Paper is the only outdoor papermaking company in Ruicheng County. In 2012, after Zhongbao Paper's construction of sewage treatment plants, it decided to expand financing and increase corporate efficiency.

After finding a circle of banks, only Ruicheng Rural Commercial Bank is willing to support such small and micro enterprises. Soon, Zhongbao Paper loaned from Ruicheng Rural Commercial Bank to 8 million yuan, and two production lines were built.

In the second year, Ruicheng Rural Commercial Bank also reduced interest rates by more than 1 %.

In order to help small and micro enterprises meet the epidemic challenges, in July 2021, Ruicheng Rural Commercial Bank took the initiative to reduce the interest rate of customer loans that meet the policy conditions by 20%.

With interest rate cuts, Zhongbao Paper has done deep processing of products, and has loaned 6 million yuan from Ruicheng Rural Commercial Bank for technological transformation.

The staff of Ruicheng Rural Commercial Bank communicated with Zhongbao Paper workers -Photo by Zhang Ye

After the technical reform, Zhongbao Paper has been producing at full load, and its production capacity has expanded from 40,000 tons to 50,000 tons. The products cover bags, packaging paper and fruit bags covering a variety of fruits in the north and south.

Rest at reduced interest. Ruicheng Rural Commercial Bank also issued measures to discount 10%of the relevant customers engaged in the planting and processing and processing of agricultural products in six major counties including Apple and Pepper, which are 10%of the pricing of similar loan interest rates. New financing needs for industries and small and micro enterprise customers with serious affected epidemics and small and micro enterprise customers are discounted by 10%on the basis of the same -grade loan interest rate.

Multiple interest rate cut measures are superimposed, so that Zhongbao Paper has enjoyed more discounts. In April, the company renewed two funds from Ruicheng Rural Commercial Bank, totaling 7.84 million yuan, and the weighted interest rate was 1 % more than before.

As of now, the loan balance of Zhongbao Paper in Ruicheng Rural Commercial Bank has reached 13.84 million yuan, saving interest expenses of 100,000 yuan in the first half of the year.

In the first half of 2022, Ruicheng Rural Commercial Bank accumulated a total of 1.2 million yuan for enterprises.

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Yuncheng Rural Credit support the loan interest of small and micro enterprises significantly reduced.

Downside: Let the "double prosper" take a new step

With the improvement of the epidemic situation, the recovery of the catering industry, the demand for seasoning increased significantly, and the operating conditions of Shuangsheng Trading Co., Ltd. of Yanhu District began to improve.

"We have not only survived the difficulties, but also expanded their business and expanded the scale." Manager Tian, ​​the person in charge of the company, said, "This is inseparable from the support of the Yuncheng Rural Commercial Bank's" Rural Revitalization Loan "."

Manager Tian's "Rural Revitalization Loan" is a loan product that Yuncheng Rural Commercial Bank mainly pushed this year. The bank expands the target customers of "rural revitalization loans" from previous companies to farmers, individual industrial and commercial households, and cooperatives, etc.

In order to solve the difficulty of the guarantee of the agricultural main body, Yuncheng Rural Commercial Bank took the initiative to cooperate with Shanxi Agricultural Credit Financing Guarantee Co., Ltd., provided by the provincial agricultural guarantee company, and customers only bear 0.5%of the guarantee premiums. In addition, customers can also enjoy 50%of the premium subsidy of the financial service center of Salt Lake District and the Salt Lake District Financial Service Center, which actually bear only 0.25%of premiums.

Speaking of the benefits of "rural revitalization loan", Manager Tian feels deeply. At the end of June, he loaned 1 million yuan from Yuncheng Rural Commercial Bank, which can be described as three fell swoop: to get enough payment for upstream manufacturers to get 15,000 yuan awards; interest rates have been reduced by 3.3%, and the provincial financial subsidy is 45%interest. A financial cost; the money saved can also be used to expand the scope of business.

"Financial discipline, coupled with interest return, calculate the loan interest rate of only 3%, which is too cost -effective!" Manager Tian scratched, "This year can save 50,000 yuan in interest!"

In January of this year, the Yanhu District Government selected more than 20 small and medium -sized enterprises including Shuangsheng Trading as a backup forces for listing. "With the support of Yuncheng Rural Commercial Bank, we have to take a new step in listing!" Manager Tian was full of confidence.

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The financing cost of small and micro enterprises supported by Yuncheng Rural Credit has decreased significantly.

Focusing on the "drop", the Rural Credit Cooperative of Yuncheng City has resolutely carried the main responsibility of the financial support market subject, and the use of various policies can really be reduced and reduced in terms of interest rate cuts and expenses. Effectively give the discounts and visible benefits to various small and medium -sized enterprises "real gold and silver", so that enterprises can lightly go to the dysentery. As of the end of August, the newly issued small and micro -enterprise loan and plus equity rates from 7.44%at the beginning of the year fell from 7.44%to 6.83%, which made the profit amount reached more than 3.5 million yuan, and the exemption cost was 168,200 yuan, which made small and micro enterprises more proud.

Customer manager of Yuncheng Rural Commercial Bank visited Han Xiaowu, the general agent of Tai Ling Electric Vehicle Yuncheng, Han Xiaowu

Not only at the price reduction.

"Downside" is more reflected in risk sharing. Needless to say, finance is the core of modern economy, an important force to promote economic and social development, and financial security is an important part of national security. At the same time, it cannot be ignored. The market subject is the power carrier of the economy, and the main body of the market is to protect the social productivity.

How can the two take into account both?

Yuncheng's agricultural Xinxin is well versed, and the lip and teeth of banks are dependent on, and the finance is stable. To this end, the Rural Credit Cooperative of Yuncheng City adheres to systemic concepts and strengthens overall coordination. It focuses on both financial security and market entity security. Based on the concept of "the interests of the interests of banks", under the premise of sustainable development, the amount of price replenishment is replenished with quantitative price replenishment. With the apology, actively make reasonable benefits from small and micro enterprises, constantly reduce the cost of comprehensive financing of small and micro enterprises, better support stable growth and confidence, and ensure stable finance. Reduce: Reduce mortgage and guarantee to make small and micro enterprises more convenient

Reduce the confidence of the medicinal materials Liu Tian!

Liu Baoan, the head of the Professional Cooperative of Puxian Baoan Chinese Medicine Materials, has recently injured his left hand.

"Drying of medicinal materials is a conscience. I do n’t worry about it, I do it with the workers, and I accidentally burned by the boiler steam." Liu Baoan, who was over 60 years old, said with a smile. He feels that as long as the quality of the medicinal materials is responsible and the customer is responsible, this injury is nothing.

Liu Baoan is a large local traditional Chinese medicine planting household. The security cooperative he has established, producing authentic medicinal materials, is honest and reliable, and the business is booming.

In the past two years, with the dazzling performance of Chinese medicine in the anti -new crown pneumonia epidemic, the prices of Chinese medicinal materials have also risen all the way, which has made Liu Baoan halve. What is happy is that the sales of cooperatives continued to rise; the worrying price of medicinal materials, the amount of funds used for acquisitions has increased significantly, and mobile funds are becoming increasingly tense.

In June of this year, Liu Baoan was too tight at hand, and he loaned 1 million yuan from Lianxian Rural Commercial Bank to acquire medicinal materials. This time he used a credit loan.

"It used to be a three -family joint insurance. As a result, because one household did not repay on time, I almost trapped me in, tossing for two months!" Liu Baoan said, "I heard that there is a credit loan in the Jiangxian Rural Commercial Bank. Try. Back, we have good credit, and it will succeed at once, saving a lot of trouble. "

Credit loans of small and micro enterprises in the Jiangxian Rural Commercial Bank are managed in the model of "one -time credit, casual loan, balance control, turnover, and dynamic adjustment". The loan quota ranges from 200,000 yuan to 3 million yuan. At present, there are 8,667 loans in the Langxian Rural Commercial Bank, of which 6,971 credit loans are 6,971, accounting for 80.43%.

Credit gold. With the support of the Jiangxian Rural Commercial Bank, Liu Baoan is more confident in the future. In the next step, he wants to apply for a fresh goods processing certificate, continuously expand the scope of production, and drive more folks to become rich.

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The "guarantee" loan of Yuncheng Rural Credit supports small and micro enterprises has decreased significantly.

Reduce, let Yufeng's income double!

"Without a 1 million credit loan delivered in the snow in the snow in Caicun Sub -branch, it is estimated that what you came here today is the desolate scene of the" Niu "circle '!" A big ox, who was boring in the cattle shed, said.

It turned out that it was impacted by the epidemic last year. The cooperatives were not smooth in short -term capital turnover, the storage feed was about to bottom out, and the operating condition was at stake. "Let's go to the bank to loan, we have nothing to mortgage." Huang Yufeng was distressed.

After understanding this situation, the Special Affairs Office of Jishan Rural Commercial Bank of China and the emergency work quickly issued a credit branch for Huang Yufeng for the first time, which solved his urgent urgency.

Today's Mufeng breeding professional cooperative scale has expanded from more than 50 to 200, and it is expected that annual income can be turned over.

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The "mortgage" loan support for small and micro enterprises to support small and micro enterprises has decreased significantly.

Focusing on "reduction", in addition to reducing interest rates and reducing exemption fees, the Yuncheng Rural Credit Cooperative is also working hard and mortgage. In response to the characteristics of the light assets of small and micro enterprises, the counties (cities, districts) Rural Commercial Bank actively expanded the types of (quality) for pledges, and explored the development of warehouse orders, inventory, intellectual property pledge pledge, receivables for receivables, living mortgages, and common parties. Factory buildings are based on mortgage, small and micro enterprise assets, assets and other businesses, and revitalize "sleep assets".

In order to "reduce", Yuncheng's agricultural credit can go "credit" and do not engage in "guarantee"; those who can "guarantee" should not be "mortgaged"; even "mortgage", try to be flexible as possible, think that the traditional credit concept is not considered not considered not to be as considered "Live (Pig, Cow, and Sheep, etc.) that meets the mortgage conditions is also incorporated into the mortgage range.

As of the end of August, Yuncheng Rural Credit Co., Ltd. issued unpaid and unsecured credit loans for small and micro enterprises for a small and micro enterprise, a year -on -year increase of 18.1%year -on -year, making small and micro enterprises more convenient.

More than just "betting".

"Reducing" is more reflected in the discovery of credit. Due to unsecured, unpaid, credit, and recycling, credit loans are widely popular, but the service targets are mainly farmers, and non -farmers are difficult to benefit.

After the survey of Yuncheng Rural Credit, it is believed that with the in -depth advancement of integrity and legal system construction, people's civilized quality generally improves, and society does not lack credit. What is lacking is credit data and assessment. To this end, in the releasing credit potential of Yuncheng, it is based on the release of credit potential, tap information, settlement, transaction and other information such as small and micro enterprises, connecting public data such as industry and commerce, taxation, credit reporting, and judicial information, transforming data information into credit information, and small and micro enterprises. " Precise portrait ", so that the object of credit loan service extends from one -property farmer to two or three customers, greatly increasing the proportion of credit loans of small and micro enterprises. At the same time, it explores the "large credit" mechanism to respond to the demand for large loans of small and micro enterprises; in addition, it designed a "weak guarantee and weak mortgage" credit -exclusive product to further reduce the threshold for small and micro enterprise loans.

Thanks to the traditional credit model of Credit and Credit Lena, Credit Credit, Castle Credit Credit, and the establishment of loan systems and processes that are compatible with inclusive finance. The current credit rating is upgrading and credit groups are expanding. Extension: Delaying the original and interest payment gives small and micro enterprises more sense of security

Delays, let the "Superman" steadily to the future!

"White tea is nothing to do, I just want to raise a good cow." This sentence is used to describe Ren Yajuan, the head of Yongji Superman Dairy Industry. It is the most suitable.

"Now the sales are not worried and the funds are not worried, as long as it is done well." Ren Yajuan, the person in charge of the enterprise, said with a smile, "Thanks to the support of Yongji Rural Commercial Bank 'Renewal Loan"! "

Yongji Rural Commercial Bank staff visited Xie Junhong for a survey of Superman Dairy

The first cooperation between the two sides took place in 2003. At that time, Yongji Rural Commercial Bank provided a loan of 1.5 million yuan for the Superman Dairy to help companies buy cows from Australia. The company is transformed from dairy producers to high -quality milk source providers.

Since then, the two sides have supported each other on the road of development and joined hands with each other. The cow has increased from 180 to 2100, and the loan amount has increased from 1.5 million yuan to 10 million yuan.

In recent years, due to the impact of the epidemic and rain, the cost of feed has continued to rise, and the price of milk sources has fallen by 600 yuan per ton. The mobile funds of the Superman Dairy Industry are tight, and the Rural Commercial Bank's 10 million yuan loan has expired in mid -June this year. What should I do?

As the Superman Dairy Industry was about to expire, Yongji Rural Commercial Bank took the initiative to go through the renewal procedures for it, solving a big problem in the enterprise. At present, Yongji Rural Commercial Bank has handled more than 100 enterprises for "renewal".

With the backing of Yongji Rural Commercial Bank, Ren Yajuan is determined to expand the scale of dairy breeding and feed planting, form a variety of breeding cycles, and lead the superman milk industry to steadily to the future.

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Yuncheng Agricultural Credit's expiration of small and micro enterprises "can delay".

Yan, let Ruijie open the new world!

Although it was the weekend, Ruijie Environmental Protection Companies in Yuanqu County went through the car. A vehicle of a construction garbage was cleared between the factory city.

The company is the only company in Yuanqu County that has obtained government franchise and specializes in construction waste, disposal and resource utilization. With the continuous expansion of enterprises, capital demand has become increasing.

Zhang Huiqin, the person in charge of the enterprise, first thought of the "old friend" -the Yuanqu Rural Commercial Bank. For more than ten years, Ruijie's funding difficulties were helped by Rural Commercial Bank for help.

Soon, Ruijie Environmental Protection obtained a 3 million yuan guarantee loan from Rural Commercial Bank, established a circular production chain of "eating dry squeezing" and "waste into treasure", and the "blood -making" function was further enhanced.

Customer manager of Yuanqu Rural Commercial Bank investigated in Xinheng Company. Yang Pengbo Photo

In July of this year, Ruijie's environmental protection 3 million yuan loan will expire. In order to support the sustainable development of enterprises, Yuanqu Rural Commercial Bank handled the loan exhibition (extension) renewal business for it in advance.

Without renewal measures, Ruijie's environmental protection will use bridge funds. Even if it takes only 3 days, the interest of 3 million yuan will be seven or eight,000 yuan. "This time, the Agricultural and Commercial Bank's advance service will run a renewal business for a few minutes, and help the company to save nearly 10,000 yuan." Zhang Huiqin gave a thumbs up. At present, Ruijie Environmental Protection is actively negotiating with relevant departments such as Yanxian County, Wanrong, Pinglu and other places to continue to open the business new world.

Native

Yuncheng Agricultural Credit "can be continued" for small and micro enterprises' maturity loans.

Focusing on "extension", Yuncheng Rural Credit Cooperative actively improves the long -term mechanism of financial support for anti -epidemic and disaster relief, and has severely affected enterprises such as epidemic and floods. The main body, under the premise of accurately judging risks, has a small and micro enterprise with willingness to repay and absorb employment, and has temporary operational difficulties, and consider the exhibition period and reorganization. The method of interest, resolutely achieve non -loan, non -crushing loan, and continuous loan, and strive to make small and micro enterprises feel more security.

According to statistics, from January to August of this year, the Rural Credit Cooperative of the Yuncheng City has handled 6.225 billion yuan for 263 small and micro enterprises. Among them, the small and micro enterprises have not renewed 5.372 billion yuan, and the exhibition period of small and micro enterprises was 853 million yuan.

Not only extended.

"Extension" is more reflected in stable expectations. For a long time, financial institutions have a period of cyclical tendencies for "sunny umbrellas and umbrellas to collect umbrellas" to varying degrees. At present, affected by factors such as the epidemic, many small and micro enterprises have increased their operating pressure, and the production chain and supply chain, especially the capital chain, is impacted. Do you continue to "umbrella" or "accept an umbrella"?

The Rural Credit Cooperative of the Yuncheng City maintains a high degree of soberness, and puts forward the concept of "steady small and micro -enterprise funds is the market expectation". The enthusiasm of small and micro enterprises for cross -cycles, in -depth promotion of the construction of the "continuous loan+flexible loan" mechanism, and strive to solve the problem of stability and matching of small and micro enterprises' financing, and actively meet the financing needs of small and micro enterprises at different development stages. Stable to conduct market expectations, and develop together with small and micro enterprises in the virtuous circle.

Stimulation: Stimulate vitality and confidence to make Xiaowei Pan Tianye and Polyna

Stock, let the "Maple Forest" go to the next level!

When he saw the owner of Fenglin Hotel, Guo Jianping, he was working alone in the guest room. Affected by the epidemic, these two years are the cold winter of the accommodation hotel industry. The source of customers has decreased sharply and the income has shrunk. Guo Jianping felt difficult.

The more arduous, the more forward. Guo Jianping decided to renovate the Fenglin Hotel to welcome the industry recovery after the epidemic.

Re -renovation, it's easy to talk about. The demand for funds is 1 million yuan, and the current income is almost zero, and his own funds cannot afford his thoughts at all. Just as Guo Jianping was frowning, Hejin Rural Commercial Bank sent "Jingbin Loan".

"Jingbin Loan" is a highlight of Hejin Rural Commercial Bank in -depth promotion of outlets characteristic and product differentiation operations.

The bank found that the number of Hejin Hotels, high configurations, and low prices, involving thousands of people's employment. In order to alleviate the impact of the epidemic on the hotel industry, Hejin Rural Commercial Bank launched a "Jingbin Loan" and set up a Jingbin Loan Management Center in Nancheng Sub -branch.

For Guo Jianping, "Jingbin Loan" is like "sleeping pillows", which is very timely. The loan was 700,000 yuan, not only fast processing, the interest rate also dropped to 8.55%, a discount of nearly one -third.

Good money is used on the blade. The principle of Guo Jianping is that the decoration materials must meet the national environmental protection standards, and the style must also keep pace with the times. The curtains, home appliances, and lights in the house are all intelligent.

At the end of July, Fenglin Hotel opened the door to welcome guests. After the re -packed maple forest, from the perspective of hardware facilities, it is already the "ceiling" of Hejin small and medium -sized hotels.

Fenglin even went to the next level.

Native

Yuncheng Rural Credit supports small and micro enterprises' loans to stimulate vitality.

Stock, live broadcast help farmers to enjoy "apricot" blessing!

"Manager Fu, the credit card you handled with me came in handy. Recently, the rhubarb is stocking, and I don't have to find someone to raise money everywhere, thank you very much!" Fu Lin, the customer manager of Xiaxian Rural Commercial Bank, after the loan During the return visit, I saw the joy of client Xiao Fan overflowing.

After the 90s, Xiao Fan returned to his hometown to start a business in 2017, and started e -commerce live broadcasts and goods, and sold local agricultural products.

He opened a shop in Pinduoduo, signed a contract with the online red broadcast to sell the goods, shoot videos on the Douyin platform to promote powder, and opened the store at the beginning.

After understanding the situation, the client manager Fu Lin took the initiative to contact Xiaofan and applied for a credit card for 200,000 yuan. High quota, low interest rate, long term, fast speed, and use, as follows, followed, interesting and practical.

In the mature season of Huang Xing, the average of tens of thousands of pounds of goods was shipped every day, and the platform rebate cycle was basically about a month. The credit card applied for the year ago helped a lot.

"Immediately after, there are agricultural products such as oil peach, Maotao, hawthorn, apple, fruit persimmon and other agricultural products. You don't have to worry about funds now!" Xiao Fan was very happy.

Native

Yuncheng Rural Credit supports small and micro enterprises' loans to stimulate the confidence.

Stimulate, let the "bad households" resign from the old!

During the summer, the sun was like fire. Meng Gang, as usual, holds a tool to build a color steel room. The sweat was soaked in his back, and his face could not stop sweating.

"Just get used to it. Drink more water, it's nothing." Meng Gang said, "The Rural Commercial Bank of China has an exception of support. Let's not suffer anymore.

Does anyone think that he was a "bad household"!

In those years, Meng Gang's family was very difficult. The old father owed Lintong Rural Commercial Bank to a loan.

No matter how poor you are. After several years of hard work, Meng Gang finally settled 32,000 yuan of non -performing loans. Since then, many villagers have glanced at him, and Meng Gang also feels that his waist rods are hard.

"Meng Gang's behavior meets the requirements of the credit repair relief system." Wang Weike, the client manager of Lintong Rural Commercial Bank, said, "It is also the service target of our entire village credit."

Since the beginning of this year, Lintong Rural Commercial Bank has risen to the "whole village credit" to "project No. 1" to set up the Ministry of Rural Revitalization. It has unprecedented efforts to ensure that "there are a lot of credit for the whole village."

Faced with bad households, the bank treats differently. For those who have a subjective repayment willingness and non -malicious arrears of loans, they focus on cultivating and repairing their credit records. Including Meng Gang, a farmer who "removed bad hats", Lintong Rural Commercial Bank has supported more than 300 households.

What's more valuable is that the bank has greatly increased the credit limit and period of the farmer's loan, with a quota of up to 500,000 yuan, and the loan period has been extended from 1 year to 3 years.

"Financial live water" accurately "drip irrigation" has made Meng Gang the beneficiary. Fruit tree management needs to invest, and the construction of color steel houses requires turnover funds. After learning about the actual situation of Meng Gang, Lintong Rural Commercial Bank gave him a credit of 100,000 yuan.

"I didn't expect this!" Meng Gang said with a smile, "At the critical moment, you have to rely on Rural Commercial Bank."

Up to now, the coverage of the entire village of Lintong Rural Commercial Bank's village has reached 100%, 45,800 credit farmers, with a credit amount of 4.505 billion yuan. It reached 34,600 households, with a letter amount of 2.898 billion yuan.

Looking back at Meng Gang again, it has been more than 50,000 yuan. What makes him more pleased is that the child was admitted to college this year.

Meng Gang, who was full of bitterness, smiled sweeter.

Native

Yuncheng Rural Credit supports small and micro enterprises' loans to stimulate confidence.

Focusing on the "excitement", the Yuncheng Rural Credit Cooperative has always regarded financial support for small and micro enterprises as an important task and powerful grasp of the transformation of small and micro enterprises as a credit business.Start up to support the long -term mechanism of high -quality development of small and micro enterprises, innovate to meet the financial needs of small and micro enterprises, continue to stimulate the vitality and confidence of small and micro enterprises, and continuously enhance the confidence and expectations of small and micro enterprises, so that small and micro enterprises are overwhelmingPentium.Not only inspiring.

"Stimulus" is more reflected in the spring of spring ——

Vichang accelerates "internal circulation"!

"Positive Rain" tires walk around!

Fengxiang Tao "Pear" is full of the world!

Native

Quietly, the small and micro enterprises of Yuncheng are changing from "staying in the mountains and winning the future" to "Qingshan is always in, vitality".

Rural Credit, Xiang Good!

Small, up!

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