The use of the "addition, subtraction and multiplication" method to stabilize the economic market

The use of the "addition, subtraction and multiplication" method to stabilize the economic market

Tian Jianghua

The Rural Commercial Bank is a multi -level legal person banking institution under the leadership of the provincial government. It is also the main troops of the county finance. The Rural Commercial Bank system responds quickly and the main responsibility, and does a good job of the "addition, subtraction, multiplication and removal" method, and helps to stabilize the economic market, stabilize the society and the people's livelihood to contribute the power of agricultural and gold.

Credit launching the "plus" method to make every effort to grow steadily. As a responsible bank to listen to the party's command, the responsible bank for the government must resolutely carry the political responsibility of stable local economic development, combine the provincial party members and cadres in the province's "lower foundation to observe the people's sentiment to solve the people's heart and warm the people's hearts", and revolves around the "three major labor competitions". , Widely carry out the special action of "Rural Commercial Bank's next grass -roots services Xiaoweimen Heart", promote the upgrade of credit release to the standard, be a good "small and micro financial store", focus on supporting the real economy, and do everything possible to increase the launch. Due to loan, renewal, delay, depending on, depletion, and enjoyment. Make full use of the central bank's agricultural branch small retrofit loans and inclusive small micro policy tools, actively establish a long -term mechanism for "dare to loan, wishful loan, loan, loan, loan" Support intensity, realize small and micro -credit increment, price reduction, expansion, and comprehensively implement the measures to repay the repayment of principal and interest, renewal the renewal measures, and help customers who encounter difficulties through the difficulties to ensure that the legal persons at all levels of the year will be newly appointed. And the first loan customer reaches more than 5%, the total amount of credit increases is not less than 15%, and the number of small and micro customers increases by not less than 20%.

Implement the "reduction" method to relieve small and micro financing. Practice social responsibility, to help "combine boxing", help small and micro enterprises to relieve burden, further optimize the business environment, and conscientiously implement the 24 measures for the provincial government's "relief of the province's small and medium -sized enterprises in financing and difficult financing. ", Actively promote the cost of paying fees for small and micro enterprises and individual industrial and commercial households. It is strictly forbidden to "and reduce charges for the announcement, and take the initiative to accept social supervision; adhere to the" zero fee "to handle loans, and the asset evaluation service fee and mortgage registration fee incurred during the credit business will be borne by the Rural Commercial Bank. Enterprises collect any expenses other than loan interest; strengthen refined management cost management, combine the floating interest rate mechanism of loan methods, quotas, contributions, guarantee methods, and industrial directions of agricultural operations, and reasonably determine the loan interest rate. Poverty alleviation loans and laid -off employment loans, the benchmark interest rate may not be applied, real gold and silver let Li Xiaowei customers.

Innovative services do the "multiplier" method to prevent customers from running more legs. Focus on serving agriculture, rural areas, and rural areas, be a good "organizer" in rural rejuvenation, fully benefit enterprises to relieve the rescue, simplify the loan process, and publicize the "four lists" of business outlets to publicize loan authorization, credit, acceptance, and mechanism exemption. "Also repayment of loans", do not allow customers to run more legs; increase training, improve the efficiency of loan, promote offline migration of micro -loan business offline, and vigorously promote the "301" service model, that is, the customer's mobile phone will apply for loans for 3 minutes, 0 Artificial intervention, 1 minute withdrawal; innovate the "whole village credit+village silver co -construction+financial village officials" model, use the "Chutian loan code" platform to accelerate the "863" digital "whole village credit", expand farmers' pure credit credit Loan scale; increase in -depth cooperation with the provincial agricultural burden company, share the risk of agricultural credit, adhere to the "frontline work method" marketing, accurately connect with successful entrepreneurial entrepreneurs in their hometown, successful entrepreneurs in Wuhan regional, and successful entrepreneurs from local provinces. Code traffic loan, entrepreneurial insurance loan, Qingchuang Loan, silver tax credit loan, village and easy -to -educate "and other micro -products, support entrepreneurs and various business entities to grow, and stimulate market credit consumption vitality.

Prevent risks to do the "divide" method to ensure that the loan is accurate. Promote financial resources towards the three farmers, continue to expand the scale of credit, strictly control the risk of new loans, ensure that the loan is not out of the county, 90%of the agricultural related business, adhere to the main business of micro -loan, give priority to approval of a single households with a single household 5 million yuan of micro -loan less than 5 million yuan. , Restrict the issuance of large household loans of more than 10 million yuan, strengthen the return visits after loans, and strictly prevent funds from being misappropriated and having named loans. Give full play to the system's monitoring and early warning and rigid constraints to enhance the ability to control risks; promote the grid of financial services, ensure the symmetry of customer information, establish a duty -free mechanism, and implement credit management "ten non -loan", "ten free liability", "ten ban" "Ten accountability", do due diligence, loan loans, and loan in accordance with regulations; increase the resolution of stock risks, implement the "top ten households" risk liability for the leadership team, branch president, and department manager, make full use of renewal loans, and make full use of renewal loans. The 20 laws such as recovery, nuclear sales and disposal highlight the clearing of interest loans, crack down on credit cards, speed up the resolution of non -performing loans, and improve the quality of credit assets and the quality of business development.

- END -