Sichuan Agricultural Credit (Guangyuan) helping enterprises to relieve the high -quality development of the local economy

Sichuan Agricultural Credit (Guangyuan) helping enterprises to relieve the high -quality development of the local economy

Chen Qiang Wangchuan

This year, 8175 households were added to the first small micro -credit households, and loans were issued 2.44 billion yuan, a record high. "On June 20, Li Xiangming, director of the Guangyuan Office of the Sichuan Provincial Cooperative, told reporters this good news.

As the main military bank of rural finance, local finance, and inclusive finance, Sichuan Rural Credit (Guangyuan) has always adhered to the fundamental purpose of the financial services to the real economy, actively implemented the deployment of the central, provincial, and municipal enterprises, and continuously improved the financial service system Continuously innovate financial products and services, so that the steady stream of financial live water leads to the real economy and injects the long -tail market. As of the end of May, the balance of various loans of Sichuan Agricultural Credit (Guangyuan) was 36.866 billion yuan, and a total of 17.96 billion yuan was issued during the year. The balance increased by 2.674 billion yuan from the beginning of the year.

Enterprise production "fast horse plus whip"

Recently, employees of an aluminum company are stirring the hot residue in the operation of the turning furnace, which promotes the separation of gray water to extract the more pure aluminum water into ingots.

In October 2019, the annual output of 50,000 tons of aluminum rod projects for Guangyuan Broadcom Aluminum Company began construction. One year later, the company conducted trial production. This year, the company has invested in aluminum profile projects. Nearly 60 people employed by the company, 80 % are locals, with an average salary of more than 5,000 yuan per month.

Since last year, the price of aluminum products has been operating high. "Due to the impact of the new crown epidemic, the company could not put it all into production, which caused difficulty in capital turnover, and looked at the silver into water." Zheng Chunwei, chairman of the company, sighed.

After understanding the situation, the Guangyuan Rural Commercial Bank innovative guarantee method and adopt the method of guaranteeing private enterprises to guarantee private enterprises. In just one week, the company loaned 20 million yuan.

"With liquidity, it is no problem to achieve an output value of 2.7 billion yuan this year." Zheng Chunwei was full of confidence in development prospects.

A certain renewable resource use of Guangyuan City in April 2021 to invest in Qingchuan. In February this year, it was officially put into production, with an annual output of 50,000 tons of finished copper.

The market prospects are broad, but due to the impact of the epidemic, the turnover funds are stretched. Li Zhihong, chairman of the company, finds Qingchuan Rural Commercial Bank Bamboo Garden Sub -branch, hoping that loans will allow companies to buy waste copper and other raw materials. For less than one year of production, the funds cannot be put in accordance with the policy. The president of the branch did not refuse Li Zhihong's request, but immediately reported the actual situation of the enterprise. Soon, the Provincial Agricultural Credit News responded to support the local backbone enterprises. The Zhiyuan Sub -branch adopted a credit loan and completed the procedures within 10 days. With 5 million yuan of funds blessings, Li Zhihong said happily: "This year, the output value is 3 billion yuan."

"I went to work in Fangfang in September last year. I have a monthly income of 5,000 yuan. Not only is it close to home, but I can also take care of the children. It is good." Wang Xiaoyan, who was working in Chengdu, returned to the two children. My hometown Zhuyuan Town quickly realized employment at the doorstep.

According to Li Zhihong, the company currently has more than 60 people, and more than 20 people are natives of Zhuyuan.

The Guangyuan Office of the Provincial Political agency conscientiously implemented the spirit of the TV phone conference on the national market to stabilize the economic market, establish an exclusive mechanism for loans of "fast review, fast approval, and fast release", and implement a variety of advanced acceptance, cross -outlet acceptance, online and offline combination The model adopts the limited -time settlement system for the receiving loan, and implements the day -to -day system for loans within 500,000 yuan, and the large loan data is submitted for 3 days to settle for 3 days; Essence Actively connect with key market entities in the jurisdiction, comprehensively arranged and meet financing needs. Since May, it has accumulated a total of 312 key enterprises. It is expected that 30 loans can be put on the ground.

Small and micro enterprises usher in "spring"

Ren Ying, the person in charge of a company in Guangyuan City, said excitedly: "The support that Guangyuan Rural Commercial Bank has given us must like it."

The municipal agricultural breeding industry undertakes the task of "breeding and pushing", and seed purchases and product acquisitions need to be founded. This year, the company marched into the color corn market, but funds could be anxious.

In January 2022, after the customer manager of Guangyuan Rural Commercial Bank, Yan Long took the initiative to dock with the company. Using relevant policies that support the development of small and micro enterprises, from the application to lending, 5 million yuan will be issued in just one week.

The company uses this model to develop 3,600 acres of colored corn in Zhaohua District, Chaotian District, and Jiange County. In the later period, the company will repurchase these products, take the road of high -end, public, and initial processing, and sell fresh color corn. "Use loans to develop 210 acres of red heart kiwi in Cangxi County." Ren Ying told reporters.

Affected by the new crown epidemic, the mobile funds of a blanket industry Co., Ltd. in Cangxi County were seriously insufficient, resulting in the provincial intangible cultural heritage manual weaving (hanging) blankets cannot be produced normally. After hearing the news, Cangxi Rural Commercial Bank implemented the "six stability" and "six guarantee" policies, and immediately sent a pure credit (unsecured) loan of 3 million yuan.

With "living money", the enterprise purchased raw materials such as real silk and issued employees' salary, and more than 120 employees returned to work. As of now, the enterprise has completed a 3,000 square meter carpet product.

The provincial PCO Guangyuan Office is a single list of inclusive small WeChat credit plans to put a 5 billion yuan, strict inclusive small and micro enterprise loans "two increases and two controls" evaluation; Tools, new loan funds are preferred to issue small and micro enterprises, continue to increase the supply of credit, normalize the implementation of resident sites, carry out financial counseling, increase the first loan households, and respond to the financing needs of small and micro enterprises quickly and accurately; innovation Introducing more than 20 credit products such as "war -to -disease loans", "political acquisition", "carbon reduction", and support for key areas and difficult industries in key areas such as scientific and technological innovation, green development, and manufacturing; This renewal loan, emergency loan, and exhibition period help difficulties to rescue difficulties, and lowered the interest rate of inclusive small and micro enterprise loans at no less than 0.5 percentage points. The additional costs outside the interest effectively reduce the cost of "crossing the bridge" and financing costs of the enterprise. Since the epidemic, the reduction of costs of 5703 companies and individuals has allowed profit nearly 100 million yuan. Project construction is like fish

In the rectangular large plant, the technician squatted at the scene. The surveying and mapping staff operated the instrument while watching the design drawings. Right.

Zhao Jianhua, the deputy general manager of the company in charge of production, told reporters that the company belongs to the 2019 China Merchants Project of Guangyuan City. The construction of the year was signed that year. Essence In 2021, the company's operating income reached 2.1 billion yuan.

In recent years, the price of aluminum products has been operating high, and Guangyuan has continued to optimize the business environment, which has strengthened the confidence of enterprises in the development of Guangyuan. In March 2021, the enterprise decided to build the second phase of the project with a scale of 130,000 tons of aluminum rolls, 200,000 tons of cold rolling rolling, and 50,000 tons of aluminum foil. After the second phase of design capabilities, Juda's output value will exceed 5 billion yuan.

Zhao Jianhua said that although the blueprint is good, the impact of the epidemic has caused the company's mobile funds to be tight. When the company was worried about money, Guangyuan Rural Commercial Bank took the initiative to actions to receive a credit of 50 million yuan for Juda.

"Credit in the month, the loan was 50 million yuan in the month, and the speed was particularly fast." Although the time passed, Zhao Jianhua still remembered.

The reporter learned that Guangyuan Rural Commercial Bank adopted one -on -one exclusive service method for enterprises to serve customers' pre -loan, medium, and post -loan on -site. Get more legs by yourself and let customers run less.

With funding support, the company's second phase project is progressing smoothly. As of the end of May, 13 aluminum roll production lines have been designed, 6 cold -rolled rolling rolling production lines have been put into production, and the aluminum foil production line will be installed soon.

The reporter learned that there are currently 275 employees in the company. After the completion of the second phase of the project at the end of the year, the employees will reach 450. "More than 50%of the local employees in Guangyuan." Zhao Jianhua said.

The Guangyuan Office of the Provincial Party of China issued the "Guidance Opinions to Enhance the Stable Growth of Guangyuan's Economic Stable Economic Economic", which focused on the formulation of 11 specific measures around major projects, key industries, and important areas.

Combining the "Project Promotion Year" activity, give full play to the role of the "biggest customer manager" of the team members, focusing on the city's annual 300 major project lists, implement the "one project, one plan, one special class" working mechanism, and follow up the project financing needs one by one. This year A total of 960 million yuan in credit for key projects such as Jiuda and Tianxiashan Tourism in Sichuan and 310 million yuan will be issued.

Consolidate the foundation of rural revitalization

A few days ago, Shi Wendong, a group of villagers in Yinsha Village, Zhuyuan Town, Qingchuan County, was fed the grass for the Siemens.

The bull market watched the bullish, and Shi Wendong, who worked in Guangdong, returned to his hometowns to start a business. He established the Hongchuan County, Zhuyuan Town Hongyuan Cow -sheep Breeding Family Farm. In March of this year, after understanding this situation, Qingchuan Rural Commercial Bank Bamboo Garden Sub -branch immediately decided to loan him 1 million. Shi Wendong bought more than 80 cows with this money to expand the breeding scale.

At present, Shi Wendong's family farm hires 4 employees, two of which are poverty alleviation households, with a salary of 3,000 yuan per month. "Shi Wendong drove three surrounding households to join the ranks of cattle farming, one of which was poverty alleviation." Gou Wei, president of the Zhuyuan Sub -branch of Qingchuan Rural Commercial Bank, told reporters.

Not only Shi Wendong, but also Liu Zhaoping in Cangxi County also issued Niu Cai.

In 2020, Liu Zhaoping bought more than 10 cows at Cangxi Rural Commercial Bank Dragon King Sub -branch with a benchmark interest rate. In 2021, Liu Zhaoping was transferred to 200,000 yuan in the branch. Liu Zhaoping told reporters that 10 cows were sold this year, sold 200,000, and currently there are 25 cows. The cow he raised was 7 Mavericks, and 6 Mavericks were going to the Mavericks during the year.

The Guangyuan Office of the Provincial Political agency conscientiously implemented the "Co -promoting the Strategic Agreement of the Rural Revitalization" signed by the Provincial Federation of Federation and the Municipal People's Government, comprehensively grasped the small credit of the country's poverty alleviation, and focused on supporting the construction of 500 poverty alleviation and relocation. , Help agricultural efficiency, farmers' income, increasing income, rural development; increase the development of grain production, breeding industry, Guangyuan characteristic advantageous industries, breakthrough development of beef cattle and sheep industry, rural public infrastructure construction, rural human settlement environment improvement, one, two, and three, one, two, and three Credit investment in key areas such as industrial integration and development has issued 411 million yuan in credit loans to the poverty alleviation population, accounting for more than 90%of the city's investment, and a loan of 6.766 billion yuan in farmers and 1.43 billion yuan in the construction loan of beautiful new villages.

The Guangyuan Office of the Provincial Political agency innovatively launched a financing model such as "Specialized Institute+Agricultural Industrial Park+Farmers" and "Leading Enterprise+Specialized Society+Family Farm+Farmers" and other financing models. Since the beginning of this year Red -hearted kiwi, pig farming, Jianmen native chicken and other special industries such as 3110 households and 790 million yuan; cumulative comprehensive credit for beef cattle and sheep breeding 370 million yuan, and loan loans of 190 million yuan. Actively integrate the cooperation mechanism of "political and banks" and "government and bank insurance", increase the financial services of family farms, farmers, farmers' professional cooperatives, and agricultural enterprises, and issue a total of 395 households and 198 million guarantee loans of "political and banks" guarantee loans. Yuan. Thousands of households in Chunyu Runze

Wangye Finance in the nine groups of Taoyuan Village, Shui Moou Town, Chaotian District. After the 2008 Wenchuan Earthquake, he did a doors and windows in the former Majiaba Town Town. In his own words, what he did was to play business and didn't make any money.

The reason why Wangye's wealth business is tepid is the trouble of funds.

After the banks in the Sichuan Rural Credit Society required the banks within their jurisdiction to conduct rating credit, Wang Yecai's situation was greatly changed. At first, the credit was 20,000 yuan, and later the credit was 50,000 yuan, and it was upgraded to 80,000 yuan shortly. Now it is 100,000 yuan in credit.

After the loan was 100,000 yuan, Wang Yecai began to work. Buying aluminum alloy, nanimow, titanium alloy gates, stainless steel and other raw materials, not only do doors and windows, protective fences, stairs armrests, color steel sheds, etc.

If he can't be busy, Wang Yecai invites workers. Before half of this year, Wang Yecai made nearly 40,000 yuan removed from expenditure.

"The loan of 100,000 yuan is less than 450 yuan per month, and there is no pressure on the loan." Wang Yecai said that the products of Guangyuan Rural Commercial Bank are very close to the people.

The Guangyuan Office of the Provincial Political agency proposes the "two comprehensive" development ideas of "comprehensively consolidating and promoting the rural market and the comprehensive expansion of the city market". The committee and financial liaison officer jointly established 1165 rating credit work groups to implement "whole village credit" in rural areas. 38,000 public officials, 1632 small and medium -sized enterprises, 8287 new agricultural business entities awarded 52.556 billion yuan in credit, and awarded 6185 companies and individual industrial and commercial households.

- END -