Lanzhou Rural Commercial Bank issued 30 measures for financial support for stable and stable growth

Resolutely carry out the political responsibility of stable economic operation

——In Lanzhou Rural Commercial Bank issued 30 measures for financial support for stable economic and stable growth

In order to thoroughly implement the spirit of the State Council to stabilize the National Economic Locratic TV Television Conference, implement the provincial and municipal governments and the Provincial Agricultural and Credit Federation on decision -making and deployment on the comprehensive implementation of new development concepts, reducing corporate financing costs, and serving local economic development. Control and socio -economic development, further give full play to their own advantages, improve financial supply, effectively take up the political responsibility of helping to stabilize market entities, stabilize employment and entrepreneurship, and stabilize economic growth, support small and micro enterprises to develop the development of the provincial capital, and stabilize the provincial capital's urban economic market. Strive to promote high -quality economic development to contribute greater financial forces. Recently, Lanzhou Rural Commercial Bank issued 30 measures to fully support the development of the real economy.

Increase support for key projects. Follow the implementation of the strategic operations of the "Four Four", benchmarking the "three lists" of major projects in the province in Table 2022, carry out precise and systematic marketing, and give priority to supporting the country's encouragement of new energy and new infrastructure industries. Essence Give full play to the flexible and efficient decision -making advantages of the Bank, make every effort to ensure the valid credit needs of the market entities, and plan to add 3 billion yuan in loans throughout the year.

Increase production and operation loans. Strengthen the financing support of urban registration unemployed, employment difficulties, returning migrant workers, college graduates, retired soldiers, "new citizens" and other entrepreneurial personnel; Products such as Rongyi Loan "" salary performance loan "support the financing needs of young scientific and technological talents and innovative talents; increase the promotion of" Xinglong Entrepreneurship Loan ", increase the proportion of guarantee funds for entrepreneurship 10 times.

Increase inclusive small and micro loans. We will conduct in -depth operations of "Hundreds and Thousands of Enterprises" and "Hundreds of Films into Ten Family", actively strengthen the connection and coordination with relevant departments, and effectively build a service carrier. To do thick business reserves, start with the source of wholesale retail, accommodation, catering, transportation, cultural tourism and other industries, to screen a number of small and micro enterprises and individual industrial and commercial households with good business and good credit, and establish a "white list" for customers.

Cultivate the first loan customer group. Establish a "first loan service window" to strengthen the credit rating of small and micro enterprises for small and micro enterprises that have been produced and operated for less than one year. Reduce the guarantee conditions of high -quality customers of "first loans", reduce exemption from related expenses, focus on expanding the coverage of the "first loan households" service, and strive to support 2,000 "first loan households" throughout the year. For financing demand for 5 million yuan in customers above the A -level A -level A level, it can be supported by credit loans.

Ensure the financing needs of the shantytown renovation project. Establish a green channel for the review and approval of loans of shantytowns and other people's livelihood projects, priority acceptance, priority approval, and coordinating the scale of credit distribution.

Enrich consumer financing supply. Increase credit cards and online loan products credit lines, 50 % discount on credit card installment fees, reduce loan rates, reduce free handling fees, extend repayment periods, credit card overdue customer negotiation and other measures to reduce customer burden, support residents to cars on cars , Tourism, medical treatment and other consumer financing needs. Guide the public to pick up government consumer coupons at the bank of Gansu Agricultural Capital, and use consumer vouchers at Gansu Rural Credit Consumers.

Strengthen silver -sharing business cooperation. Strengthen the business cooperation with the qualified government financing guarantee company, vigorously promote special credit guarantee products such as "agricultural loan" and "agricultural fast loan", further optimize the guarantee and guarantee mechanism, innovate multiple levels of guarantee cooperation with different risks, and the proportion of different risks. model. The financial control guarantee business of the New District is led by the business department to set up a resident point to implement batch release on the "specialized new" enterprises. At the same time, the green channel for financing enterprises under the cooperation mechanism of Yinfang, and implemented a "preparation for loan" for the guarantee business within 5 million yuan.

Support real estate loans reasonably. Adhere to the positioning of "housing and not stir -fry", focusing on the goal of "stable price, stable house prices, and stable expectations", implement differentiated housing credit policies, and for new projects that meet the requirements of regulatory policies and real estate macro -control policies, Give appropriate credit support.

Increase mortgage loans. Combined with the latest mortgage policies, we will increase the release of personal mortgage loans for large -scale housing enterprises, high -quality real estate in the city center region and our banks. Take a "one thing, one discussion" for the proportion of mortgage loans. Increase the market share of the mortgage loan and reduce the threshold for personal purchase of housing loans. The down payment ratio of the first and second suits of the first house and the two -suite will be implemented by 20%and 30%, which effectively meets the needs of residents and "new citizens" just needed and improving housing needs.

Continue to inject financial water. Perform house -to -house -to -one -to -be -touched and combed the stock loan customers. For the front service, the customer who has normal operations and good development prospects improves the credit rating. Under the premise of following the concentration of single -house loan, the concentration of customer loans and regulatory policies of group customer loans, appropriate additional credit credit is appropriately granted credit. The quota supports customers to increase production and income and increase development momentum.

Further reduction of costs. For the people's livelihood and civil planning industry, and the state encourages energy conservation and environmental protection, clean energy, cultural tourism, channel logistics, data information, advanced manufacturing, etc., under the premise of cost calculations, a certain interest rate discount is given. Under the circumstances of our current interest rate policy, loans and new personal consumer loans (excluding housing loans), and production and operation loan interest rates are reduced to 50-100 BPs with small risks such as new interest rates (quality). Residents' consumption and production and operations support the growth of the real economy. For loans issued by our bank and third -party agencies, coordinate the guarantee rate, and implement low charges for small and micro enterprises and "agriculture, rural areas", and the guarantee rates shall not exceed 1%. Good use of new policies and measures. Guide enterprises to achieve cash repayment or revitalizing resolution through various preferential policies. For customers who are in normal production and operation, but temporarily encounter difficulties, they will encourage their loan interest rates to encourage their interest. For high -quality customers who can pay interest on time, and have a clear repayment plan, the loan interest rate is appropriately reduced on the basis of the original implementation interest rate, the scale of credit use is stable, and the company will continue to use loans to expand production.

Implement the extension of the repayment of the interest payment policy. If the borrower operates normally or the project construction is normal, the repayment willingness is strong, but due to the economic environment, industrial policy adjustment, and epidemic prevention and control, they are in difficulty in temporary difficulties. , Pressing loan. For wholesale and retail, accommodation, catering, logistics transportation, cultural tourism and other industries, which have a greater impact on the epidemic, in accordance with regulations, it can relieve the pressure on corporate funds through new and old, exhibition period and other methods, and give appropriate interest rate discounts to help enterprises restore their own " "Bleeding" function.

Efforts to support the growth of new agricultural operations. Focusing on the 107 administrative villages, 32,000 households and 575 cooperatives, and family farms under their jurisdiction as support targets, focus on supporting the planting and processing roses, lily, soft pear, white phoenix, plateau summer vegetables and other special products, as well as Upstream and downstream enterprises, meet the financing needs of new agricultural business entities "short, small, frequent, urgent, and scattered", support the new agricultural business entities to strengthen and improve quality and efficiency, and at the same time do a good job of marketing and maintenance of "sweet flavor" brand enterprises Work.

Actively support the development of rural cultural ecological infrastructure and modern agriculture. Focusing on the implementation of rural revitalization strategies, the rural construction demonstration villages and towns, rural cultural tourism, living environmental governance, and green agricultural facilities in the rural construction in the jurisdiction, etc., aim at the prominent problems and weak links of financial services, focusing on the leadership of the park and leading enterprises. The principle of "classification guidance and distinction", "one village, one strategy", implement differentiated financial service solutions, arrange 3-5 billion yuan to support rural cultural ecological construction and modern agricultural development, and fully support regional advantageous industries and modern agricultural development and grow Essence

Continue to carry out the construction of "credit villages". Create the "Credit Village" as an important starting point for supporting rural revitalization, strengthen communication with government departments, and effectively promote the "whole village rating credit work". Households and farmers' small credit loans increased by 50 million yuan.

Continue to do a good job of credit support for poverty alleviation. Make every effort to provide small credit support for the poverty alleviation population, and provide financial hematopoiesis for the continuous increase of the poverty alleviation population. Combining the combination of poverty alleviation microfinance work with the entire village credit, and the collection of visits to the establishment of the card and the collection of poverty alleviation households and the edge of the poverty -stricken households with other personal customer information, effectively improve the quality and efficiency of rating, credit work, and convenient credit. To maximize the credit demand of poverty alleviation households and the edge of the poverty alleviation, the edge of the poverty -stricken households should be loaned and refined management.

Implement the price of agricultural loans. Interest rate pricing is further tilted to the agricultural -related field, continuously reduced the financing costs of agricultural enterprises, and implemented different prices in accordance with the dimensions of service objects and guarantees. Special loans and newly issued agricultural loans to the newly issued "agricultural loan", "loan loan", "agricultural shadow", "gold lily chain Yirong", and newly issued public loans. Agricultural financing subjects are truly affordable.

Optimize the approval process under the credit item. Aiming at the "annual lending" for small and micro enterprises in stock, the highest credit period is given 3 years, and the borrower conducts a one -year credit investigation and review of the first year of the first instance. Customers who have added financing needs such as raw materials, paying water and electricity bills, and housing rents will guide the use of the highest amount of guarantee. After implementing a credit approval, it can be approved directly according to the letter of use of the letter of use and the corresponding contract.

Fully improve the efficiency of credit investment. Establish an examination and approval weekly system, adhere to the "special affairs and special offices, urgently do things", and open the green approval channel. Do a good job in the exhibition and renewal of enterprises in difficult operations in advance but temporarily turnover to help enterprises hold the "capital chain". Further shorten the approval chain, so as to be able to loan fast loans, deductable loans, and continuously improve financing efficiency.

Continuously improve the quality and efficiency of financial services. Make full use of the "Xinyi Loan" platform, timely obtain project lists and corporate information, and effectively use the existing "smart property" service platform, "One Netcom Office" system and "Longxin Tong" platform advantage to obtain customer resources and Data information. Promote enterprise account opening, loan online appointments and on -site services, and realize the "one -stop" service of information collection, signing, approval, and lending loan.

Implement the preferential policies of handling fees. A single amount of a single amount of 100,000 yuan (inclusive) is less than a 10 % discount on the transfer of transfer remittances for the public inter -crossing counter. The handling card handling fee is a 10 % discount, and the charging of the statement of the public account is up to 50 yuan. Improve the product guarantee system. Vigorously promote the development of small and medium -sized enterprises with good tax credit credit. Promote the "tobacco business loan" to support the development of tobacco retailers. Promote the "political lending" to support the development of government procurement projects. Adhere to the combination of online and offline to build a model of "batch -quality customer acquisition, accurate portrait, automated approval, intelligent risk control, and comprehensive services", and provide more convenient and fast financial services.

Strengthen political responsibility. The implementation of various measures for stable economic and stable growth as an important part of the political responsibility and annual assessment of various branches, departments, and party members and cadres, and include the annual assessment and evaluation, and promote the efficiency of the examination. Pay attention to cadres who have timely selection and appointment with dare to take responsibility, good achievements, measures, and outstanding achievements.

Highlight performance assessment. Give full play to the role of "command sticks" in performance assessment, optimize the evaluation index system, and reasonably allocate supporting supply such as special incentive costs, marketing expenses subsidies, and business innovation rewards to ensure the timely repaction of various guarantee incentive policies. Organize various forms of financial service activities to give full play to the pioneering and model role of party members and cadres in the implementation of tasks.

Improve the positive incentive mechanism. Special rewards for the implementation of various measures, solving difficulties in market entities, outstanding work effects, good performance, or notified by government departments, and individuals who are notified by government departments. At the same time, we can improve the fault -tolerant arrangement and risk slow release mechanism, enhance the confidence of daring to loan, stimulate the driving force for loan, consolidate the foundation of the loan, improve the level of loan, and establish a long -term mechanism for "in order to be able to meet".

Expand the scope of exemption. According to the relevant regulations of the Provincial Agricultural Credit Federation, the exploration is simple and easy -going, objective and quantitative due diligence exemption standards and processes, and appropriately increase the exemption of the exemption and the degree of liability. There are mistakes in the middle, promoting unintentional faults in development, and handling of due diligence.

Effectively ensure the security of online and offline channels. Combined with the requirements of the epidemic prevention and control, orderly dispatch the outlet resources, scientifically and reasonably arrange the business hours of outlets. It is necessary to ensure the safe and stable operation of online channels and meet the needs of customer financial services in a timely and efficient.

Do a good job of preventing and controlling the epidemic. Resolutely implement the needle and control of the epidemic prevention and control, prevent paralysis thoughts and fluke, compact the responsibilities of all parties, strictly implement the requirements of people, physical, and environmental prevention, and ensure that the prevention and control measures for normalized epidemic conditions are effective.

Strengthen comprehensive risk management. Firmly establish the bottom line of thinking, implement the requirements of risk management, normalize risk investigation and stress test, promote the stability of asset quality and improve, and continuously improve financial services and levels.

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