Tianshan Observation 丨 Financial live water precision drip irrigation difficult groups

Reporter Wang Yongfei

Small and micro enterprises are called "capillaries" of the national economy. Under the impact of the epidemic, cracking the bottleneck of small and micro enterprises, which is particularly important for absorbing employment, enhancing economic vitality, and satisfying consumption.

Since the beginning of this year, the banking insurance industry in our district has comprehensive use of extension of repayment of principal and interest, no repayment loans, credit loans, extended insurance policies to the date of date or extension of premiums, etc., to increase the difficult industries, especially the catering industry , Tourism, retail, freight logistics and other services areas, small and micro enterprises in the fields of small, medium and micro enterprises, and use financial water to achieve accurate drip irrigation to difficult groups.

Improve the mechanism to leverage resources to tilt to small and micro enterprises

"The company's loan quota has increased from the initial 340,000 yuan to 1.71 million yuan this year. These credit loans are like charcoal, which plays an important role in responding to the pressure of funds under the impact of the epidemic." Li Shihe, the legal representative of the company.

At the beginning of the company's establishment, it was difficult to obtain bank loan support due to "lack of assets and credit", and the development of enterprise was restricted. Beginning in March 2018, the company has handled the "cloud tax loan" business in Xinjiang Branch of Construction Bank, and has obtained loan support for 5 consecutive years.

The staff of the Aksu District Branch of Construction Bank of the Kuoma Market Branch of the Construction Bank guides small and micro enterprises customers to use the "CCB Hui Knowing You" APP as a loan postponing application. Construction Bank Xinjiang Branch provided

In response to the lack of pledged goods for some small and medium -sized enterprises, Xinjiang Banking and Insurance Bureau encouraged banking financial institutions within their jurisdiction to increase credit loans, optimize the loan repayment period, promote the loan and repayment model, and gradually reduce the pledge of pledges. Excessive dependence. As of the end of August, the balance of credit loans in small and micro enterprises in our district was 1,000.54 billion yuan, an increase of 24.89%over the beginning of the year; the balance of small and micro enterprises for a long -term and long -term loan was 432.589 billion yuan, an increase of 15.71%from the beginning of the year.

In addition, Xinjiang's banking industry also actively expands the scope of pledge and enriches the financing channels of small and medium -sized enterprises. For example, in order to solve the problem of insufficient pledge of breeding enterprises and new agricultural business entities, banks innovatively issued live livestock and poultry living loans, and at the end of June, the balance reached 1.171 billion yuan.

In order to improve the enthusiasm of the grassroots dare to loan loans, banks carefully implement the relevant tolerance standards, and the person in charge of the actual adverse rate of inclusive small and micro enterprise loans in internal assessment is the person in charge of the branches within the tolerance of tolerance Those who have no violations of laws and regulations and regulatory regulations can be exempted from accountability.

Through these measures, the small and micro enterprises in our district's loans show the trend of expanding quality and improvement. As of the end of August, the balance of small and micro enterprise loans was 723.493 billion yuan, an increase of 12.74%over the beginning of the year; the balance of inclusive small and micro enterprises was 153.400 billion yuan, an increase of 16.40%from the beginning of the year; %.

At the same time, the Xinjiang Banking Regulatory Bureau has done a good job in monitoring the interest rate of inclusive small and micro enterprises in a timely manner, carried out special rectification actions for illegal charges related to enterprises, urged reasonably to determine the loan interest rate, and continuously promoted the reduction of small and micro enterprises' financing costs. From January to August, the Xinjiang Branch of the ICBC achieved a reduction in loan interest rates to reduce expenses by 234 million yuan.

Carry out the needs of groups of accurate docking difficulties

Xinjiang Baba Trading Co., Ltd. is mainly engaged in the cold chain logistics business. Since this year, the company has traveled more than 2,300 tons of Xinmei Xinmei from Shaanxi, Beijing, and Shandong, and shipped 22,000 tons of fast -moving consumer goods such as mineral water, fruit juice, yogurt, and other fast -moving consumer goods in southern Xinjiang. "The logistics industry has a large demand for mobile funds. We can complete such good performance. We must also thank the ICBC for the loan support provided by the ICBC." Yang Xiaojun, general manager of the company.

This is one of the cases of helping companies in the banking industry in this year. Since June, Xinjiang's banking insurance industry has continued to carry out large -scale visiting activities, and has learned about market entities and the masses' needs for credit products and insurance through various forms such as visiting home visits, docking of banking and government enterprises, and holding online and offline lectures. Do a good job of financial bailout services to help all types of market players go through difficulties.

Since the launch of the big visit, as of the end of August, Xinjiang's banking financial institutions have issued a loan of 61.508 billion yuan for customers with financing needs, involving 107,500 households; the repayment of loans for loans for the owner of 06,900 households, involving the loan amount involved in the loan amount 8606 billion yuan.

Employees of Bank of China Urumqi Branch are approved loans (data chart) for Junruzhong Research Mining Equipment Company. Bank of China provided

During the visitor, the Urumqi Bank Aksu Branch extended the repayment period of 49.45 million loans that had been overdue to March 16, 2023, and exempt 500,000 yuan in penalties. The loan of 103 million yuan has handled the repayment of the principal and interest, and the loan interest rate is reduced by 2.92 percentage points. One year can help enterprises save 1.97 million yuan in loan interest.

In addition to the banking industry, Xinjiang insurance industry also actively acts to help enterprises relieve it. As of the end of August, insurance institutions had 27,900 valid insurance demands and 25,500 insured. Through insurance credit increase, it helped market entities to obtain bank financing of 31.954 million yuan, of which 17.209 million yuan affected by the epidemic and 12.295 million yuan in individual industrial and commercial households.

Recently, the Xinjiang Banking and Insurance Regulatory Bureau issued a notice to clarify that the large visiting activities were postponed until the end of December 2022, and the bank insurance institutions were encouraged to open a special line of financial services, answering relevant issues in a timely manner, and properly resolving conflicts and disputes. Special policy of sending charcoal in the snow to relieve the urgent need

The first -year loan of a small enterprise in Holgos City expired on August 15, 2022. Due to the impact of the epidemic, the enterprise had temporary repayment difficulties. A month, effectively alleviated the pressure of corporate funds.

All banks in Xinjiang have independently negotiated with inclusive small and micro enterprises in accordance with the principles of marketization to repay their loans. In the first eight months of this year, the banking industry implemented a delay of 13,500 strokes for small and medium -sized enterprises, individual industrial and commercial households, and truck drivers. The amount was 30.897 billion yuan.

Affected by the epidemic, Urumqi City's supply of enterprises in Urumqi City Changrong Dali Trading Co., Ltd. proposed in early September this year that there is difficulty repayment of loans that will expire on September 8. Tianshan Rural Commercial Bank held an online loan review meeting on the same day, and the next day, the company handled 10 million yuan without repayment of the renewal business.

In order to promote employment, bank insurance industry financial institutions have made good use of entrepreneurial guarantee loan policies to support college students and return home migrant workers to start businesses. As of the end of August, the balance of entrepreneurial guarantee loans in the banking financial institutions in the area under its jurisdiction was 1.648 billion yuan, involving 16,900 households in the market.

In terms of insurance protection services, in the first eight months, insurance institutions in the jurisdiction underwent 65,100 people in the logistics industry such as truck drivers, courier and other logistics industries, and 72.63 million yuan in claims. The premium is 85,200 and 482 million yuan.

In the next step, the bank insurance industry in our district will increase the difficulty of relieving the difficulty in key areas such as logistics, insurance supply, agricultural production, and basic livelihood. At the same time, by building a bank -enterprise docking platform, etc. Micro -enterprise work mechanisms improve the timeliness, pertinence and accessibility of financial services.

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