Financial cracked financial cracked financing problem

Pomegranate/Xinjiang Daily reporter Ran Hu Ranhu

The inclusive financial policy has played an important role in serving the rural revitalization strategy, the stability of enterprises and employment, and the downward pressure of hedging economy. It has become an indispensable part of our district's economic and social activities. Since the beginning of this year, the autonomous region has further improved and improved the financial support financial development policy system, improved the efficiency of financial funds, promoted the high -quality development of inclusive finance in our district, and effectively served the real economy.

Implement targeted subsidies to strengthen rural financial services

In the past two years, in order to encourage financial institutions, especially rural financial institutions, to increase the credit of "agriculture, rural areas, and rural areas," at all levels of the autonomous region to actively play the role of fiscal capital guidance, and to qualified rural commercial banks and rural credit cooperatives, grass -roots outlets, village and towns banks, village and towns banks Subsidies for targeted expenses to improve the rural financial organization system.

Xinjiang Korla Fumin Village Bank is a first -level legal person financial institution based on the "small and micro" and serving the "agriculture, rural areas". Due to the conditions for subsidies, this year, the Bayin Guo Leng Mongolian Autonomous Prefecture Finance Bureau applied for a financial targeted cost of 6.3385 million yuan. Under the incentive of fiscal subsidy policies, the bank further enhanced the quality and efficiency of services. The scale of small and micro enterprises and "agriculture, rural" loans was prominent, and effectively landed the fiscal inclusive financial policy.

Despite the impact of pests and insect pests, bad weather, and the development of Xiangli industry for the time being, Xiangli growers Zhang Suhua is still at ease in Xiangli planting and production. The four -year loan issued by the 2.85 million yuan loan issued by Korla Fumin Village Bank, Xinjiang, let her eat "Xinxin Pill". The staff of the bank promised that the loan "not to loan and keep loan" allowed her to concentrate on the grafting of pear trees. Prevent diseases and insect pests.

Promote the award -making supplementary policy to create a inclusive financial demonstration zone

In mid-June, Caramay Rongyu Logistics Park Development Co., Ltd. obtained 5 million yuan of medium- and long-term mobile funds loans of 5 million yuan in Kunlun Bank without mortgage and guarantee, which not only alleviated the pressure of operating funds, but also 4-6 Logistics Park The improvement of construction has also been guaranteed.

In recent years, Clarma's Finance Bureau has comprehensively used the method of guaranteeing credit increase, loan discounts, and risk sharing to form a "combination boxing" to continuously improve the coverage and acquisition of inclusive finance.

In the absence of mortgage and guarantee, Kunlun Bank can loan Rongyu Logistics Park, thanks to the compensation model of the risk sharing of "political and banking" risks launched by Karamay. The person in charge of the Finance Bureau of Clarmai City said: "If the loan is risky, the government, banks, and guarantee agencies shall bear the loss according to the risk sharing ratio of 8: 1: 1. Loan and energy loans have effectively reduced the financing threshold of individual industrial and commercial households and private small and micro enterprises. "

Since 2020, the Finance Department of the Autonomous Region has actively promoted the awards of the Central Finance to support the inclusive financial development demonstration zone, and supports Karamay City, Urumqi High -tech Industrial Development Zone (New City) The autonomous prefecture has successfully declared the inclusive financial development demonstration zone, and has introduced a large number of policies and measures to support private and small and micro enterprises. In this year's selection, the autonomous region was rated as the first grade of the performance assessment of the Inclusive Financial Development Demonstration Zone by the Ministry of Finance, and won 100 million yuan in the central government's highest quota awards.

In April, the Department of Finance of the Autonomous Region also selected the best to determine the Holgos City, Tianshan District, Urumqi City, and Aksu area of ​​the Ili Kazakh Autonomous Prefecture, and reported to the Ministry of Finance as the 2022 Autonomous Region inclusive Financial Development Demonstration Zone.

Strengthen the risk and share a sound financing guarantee system

This year, the Finance Department of the Autonomous Region further improved the financing guarantee policy system, strengthened the risk co -sharing mechanism, and established a policy and mechanism that combines guarantee policy and financial subsidies, risk compensation and guarantee premium subsidies. The autonomous region finance allocates risk compensation funds and guaranteed fees for the Xinjiang Uygur Autonomous Region financing guarantee Co., Ltd. each year to make up for the loss of compensation for the guarantee company and support the financing guarantee institution.

At the same time, the autonomous region issued policies to encourage government financing guarantee agencies to actively implement policies to reduce fees to less than 1%, and enhance the ability of financing guarantee agencies to directly serve small and micro enterprises.

It is understood that as of the end of May this year, the autonomous region has accumulated a total of 13,638 small and medium -sized enterprises and the number of "agriculture, rural areas", and the main number of "agriculture, rural areas, and rural areas", which has implemented a guaranteed loan of 7.195 billion yuan and reducing the premium of 60.3431 million yuan.

In the next step, the Autonomous Region Finance Department will further optimize the long -term mechanism of financial support for the development of inclusive finance, give full play to the role of inclusive financial support, micro -micro -agricultural, and supporting agriculture, and promote the high -quality development of Xinjiang's economy.

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