[Extraordinary ten years · Talking about Hubei] The scale of loans has invested nearly two small and micro enterprises loans increased by 4.7 times that financial live water continues to pour the real economy

In the early autumn and September, at Tianhe Airport, excavators and concrete pump trucks were roaring, and the third runway was accelerating construction. After the project is completed, Tianhe Airport is expected to become the first airport in the central and seventh nationwide with three runways. Behind this, financial support is inseparable from financial institutions. After the National Development and Reform Commission officially approved the project in April this year, the Hubei Branch of the Construction Bank quickly completed the credit approval of 1 billion yuan.

Economy is stable and far away, and finance plays an important funding guarantee. The latest statistics show that as of the end of August 2022, the balance of various loans in the province was 7183.5 billion yuan, an increase of 479.7 billion yuan from the beginning of the year, an increase of 12.11%year -on -year, and the growth rate was higher than the national level. Compared with the balance of various loans at the end of August 2012, it has nearly two years in ten years, with an average annual growth of more than two digits to 11.3%.

Leave the funds in the county area, for the county

Since the 18th National Congress of the Communist Party of China, the regulatory authorities have guided the financial industry to invest more financial resources in key areas of small and micro enterprises, "agriculture, rural" and other key areas, and promote the implementation of inclusive finance.

According to Liu Shengsheng, secretary of the Party Committee and Director of the Hubei Banking Regulatory Bureau, introduced that in the past ten years, the province's county loans have increased by 3.9 times, agricultural loans have increased 3.5 times, small and micro enterprise loans have increased by 4.7 times, and the "branch agricultural branch small" has achieved remarkable results.

Enshi is the largest natural selenium -rich tea base in the country. Tea brands such as "Enshi Yulu" and "Lichuan Red" are famous. Local tea companies are generally small in scale, and the demand for funds is "urgent, fast -moving, frequent, and short cycles." In recent years, according to the characteristics of the tea industry market, the local agricultural and commercial banks have launched a "selenium tea loan" with "one credit, 5 years, urgent withdrawal, and return to time". The local people relied on the tea industry to get rid of poverty and become rich.

In the past ten years, the province's financial institutions have continued to inject a strong motivation to get rich and get rich. Focusing on 38 poverty alleviation counties, a total of more than 320 billion yuan in small credit for poverty alleviation, supporting 750,000 poverty alleviation households to develop production.

Under the guidance of the regulatory authorities, more funds stay in the county and are used in "agriculture, rural areas" and small and micro enterprises. At present, the province's county deposits have increased from 46%in 2012 to 65%.

The province focuses on building a mechanism for "dare to loan, wishful loan, loan, and loan" for small and micro enterprises. As of the end of June this year, the balance of the province's inclusive small and micro enterprises reached 676 billion yuan, maintaining a growth rate of more than 25%for many years. At the provincial level and relevant cities and prefectures, the credit information platforms such as "Errian Tong" and "Han Rongtong" have been constructed to promote "unsightly" services such as codes scanning credit, and contributing to digital inclusive finance "Hubei Experience".

The average annual increase of nearly 40 billion yuan into the manufacturing industry

With the increasing risk challenge at home and abroad, my country's economic pressure has moved forward, and some enterprises have encountered great difficulties. Financial institutions actively play the role of counter -cyclical regulation, continue to expand credit investment, and increase their efforts to help enterprises.

Hubei Zhongshuo Technology Co., Ltd., located in the Economic Development Zone of the Gong'an County, is a high -tech enterprise specializing in the research and development, production and sales of plastic pipelines, pipelines and new materials. Since the beginning of this year, the company has faced issues such as decreased orders, long repayment time, and insufficient mobile funds. Public security Rural Commercial Bank handles 50 million yuan in credit for the enterprise through the mortgage method of plant land and machinery and equipment.

Since the epidemic in 2020, the province's financial institutions have sincerely provided financial guarantee for winning the "Wuhan Defense War" and "Hubei Defense War", and real gold and silver support the re -economic recovery. Our province has the first "corporate financial service square cabin" in the country, and accurately supports enterprises that have affected the difficulties of the epidemic, and have helped more than 15,000 companies out of trouble.

In order to help more enterprises relieve stress, the province's financial institutions in the province actively implement the policy of "delay" of loans. As of the end of June this year, the extension of the repayment of 556 billion yuan was implemented, and the balance of "no repayment of the renewal" was nearly 49 billion yuan.

Industry is the leading industry of the national economy, and it is an important support for stabilizing the economy to promote growth. The financial industry in the province supports Hubei to build a modern industrial cluster. In the past ten years, the balance of manufacturing loans has doubled, an average annual increase of nearly 40 billion yuan.

While serving the steady growth of the real economy, the financial industry itself has also achieved leapfrog development, and the coordinated development of economic and financial development has been achieved. At present, the province's bank industry assets are 2.8 times that of ten years ago, crossing the 10 trillion yuan mark. At the same time, regulatory indicators such as non -performing loans and dial -up coverage rates in Hubei banking industry are better than the national average.

Intellectual property pledge financing scale first in the central part

In the first half of this year, the CAR-T anti-cancer therapy developed by Wuhan Bori Da Biotechnology Co., Ltd. began a clinical trial. The company is located in Optics Valley and is a high -tech enterprise engaged in immune cell therapy technology and new biological new technology. In the company's initial period, Hankou Bank provided loan support for the company's research and development. At present, it has always provided a full -cycle companion financial services to support its overcome problems.

In terms of financial service technology innovation, our province has explored the formation of "six special mechanisms such as the establishment of science and technology and financial institutions, business mechanisms, financial products, information platforms, direct financing, and financial supervision to build a" East Lake for the entire life cycle service system of technology enterprises. Model "" and promoted nationwide. As of now, financial institutions have set up 19 science and technology branches in Wuhan Donghu High -tech Zone, with a significant gathering effect, which has strongly supported the growth of many technology companies in Optics Valley.

Close to the needs of science and technology enterprises, financial institutions have increased the development of financial products and launched credit products such as "science and loan" and "high -tech loans". In response to the characteristics of "light assets and intellectual products" of science and technology enterprises, continue to optimize the pledge financing model and efficiency of intellectual property pledge. By the end of June this year, Hubei Province's intellectual property pledge financing balance and financing households ranked first in the central and sixth nation. Essence In order to increase the support of "specialized specialty" enterprises, our province has carried out the "Special Special Special Special Special Enterprise Spring Wind Action" and implemented the "organizer" system. At present, the credit coverage rate of "specialized new" enterprises in Hubei Province has exceeded 80%.

At the same time, improve the scientific and technological financing guarantee system. The scientific and technological financing guarantee business that cooperates with the new type of government and silver shall share risks by providing risks in accordance with the proportion of "4222" in accordance with the proportion of "4222", and provide strong risk guarantee for science and technology enterprises' financing. As of the end of June this year, the province's science and technology enterprise loan balance was 385 billion yuan.

【data】

For ten years

Various loans in the province have increased by 2.9 times

County loan increases 3.9 times

Agricultural loan -related loans increased 3.5 times

Loan loans of small and micro enterprises increase by 4.7 times

The province's bank industry asset scale exceeds the 10 trillion yuan mark

The credit coverage rate of "specialized new" enterprises exceeds 80%

Intellectual property pledge financing balance and financing households ranked first in the central and sixth in the country

(Zhang Yangchun, a reporter from Hubei Daily All Media)

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