Financial empowerment for small and micro enterprises to relieve rescue

Financial empowerment for small and micro enterprises to relieve rescue

Shanxi Shuozhou Agricultural Credit Society uses the comprehensive marketing of all employees as the main starting point, insists on serving the "three, farmers", "cadre generals", reforming insurance "generals", improving quality and efficiency, "brave generals" Continue to serve the new road in serving small and micro enterprises, start a new bureau on customer service methods, grab new machines in the innovation of implementation mechanisms, and make new achievements in market expansion.

Stick to dry words first

In my heart, there is an beneficiary account

Youyu Xianghe Ridge Agriculture and Animal Husbandry Development Co., Ltd. is a whole sheep industry chain company that integrates carat breeding, slaughter processing, and cold chain transportation. When actively coming to docking corporate customers, Shuozhou Agricultural Credit Society learned that the company was affected by the epidemic affected by the epidemic. After a detailed understanding of the company's executive team, sales revenue over the years, credit conditions of upstream and downstream companies, equipment factories, equity settings, incentive mechanisms, etc., under the premise of compliance and legal, organize special classes to provide the enterprise with a quick touch reach , High -efficiency, all -round financial service solutions. This is just a microcosm of the Agricultural Credit Society to help companies. The city's Agricultural Credit Society adheres to the holding pressure, guiding credit resources to key areas such as supporting agricultural support, etc., and considering improving the quality of credit assets and regulating credit business structures as the main goal. , Batch marketing high -quality, low -risk credit customer base; implementation of linked marketing in deposit and loan, increasing low -cost deposits such as deposits involved in policies and public deposits, and actively connecting 10 types of public account guidelines issued by the Provincial Federation List, clarify the current account opening and funds of various governments and institutions, implement executives to docking institutions and group customers, groups in charge of the outlets, and other companies in the community, townships, villages, and surrounding enterprises within their jurisdictions. Maintenance; relying on the coordinated working mechanism of the Banking Administration Alliance and the Party Branch, take the county's core projects, new key projects, and key areas of county economic development as the main position of credit. Catch, steadily improve operating efficiency.

Persevere fast words

Liece up and down a game of chess first

Quickly develop customers. The city's Agricultural Society uses a good use of the "Xingnong Fast Loan" platform to consolidate the first advantage of data, and implement a new model of "online customer acquisition+offline comprehensive service". Customers open the "Jinxiang Loan" of "Shanxi Agricultural Credit Bank", holding small and micro enterprises that hold business licenses, operate in accordance with the law, and have credit demand but cannot provide valid guarantee. Unde -the -guarantee pure credit loan. Customers only need to prepare relevant information such as valid identity certification, business certificate, and account flow. You only need to run a face -to -face visa to obtain a loan. At the same time, the Rural Commercial Bank set up a small and micro business department, set up special services, and focuses on serving small and micro customers. It can be settled in 2 working days to meet the diverse financing needs of small and micro enterprises.

Improve service timeliness. The city's Agricultural Credit Co., Ltd. actively handled the "Internet+Revitalized Portrait" registration business, and the efficiency of mortgage loan business has increased by more than 50%. Establish a real estate mortgage registration for private real -time practical service points on the outlets of the credit business. Related Business. Can accept the general mortgage and maximum mortgage registration of the house, and the mortgage registration registration of the house. Further improving the priority of the approval of small and micro enterprise loans, implementing priority services, adaptation of local conditions, and promoting classification, and effectively improve customer satisfaction, business compliance, and operating benefits simultaneously, and gradually make the agricultural branch the biggest competitive advantage of the Rural Credit Society.

Persist in real words for

Use a large platform for the benchmarking table

Precise cutting market. The city's Agricultural Credit Cooperative carefully analyzes market demand, combined with different customer bases such as industrial chain, independent operations, business and entrepreneurship, etc., combined with the actual situation of the county. Loan, business loan, business loan, first loan, first loan through individual industrial and commercial household loans, ceramic loan, first loan, small and micro enterprise mobile fund loan and other special credit products, implement layered docking, classification policies, and household management. The high -quality and high -quality small and micro financial service system injects new kinetic energy into the development of small and micro enterprises.

Reinforcement process management. The first is to upgrade the control measures and do a fine investigation before loan. The city's Agricultural Credit Society's three -dimensional pre -loan investigation mechanism, with cash flow as the core and the first source of repayment sources, efficiently implement the "three mutual work methods" of mutual evaluation, mutual assistance, mutual learning, and mutual assistance. Monthly cash flow peak value, combined with the personal credit reporting report of the small and micro enterprise owners, evaluates customer credit rating and loan quota, and continuously improves the customer screening mechanism with "data analysis and subjective judgment as supplemented by subjective judgment". The second is to strictly perform their duties and review the premium loan. Strictly implement the loan approval procedure, comprehensively implement the "Ten Iron Laws of Shuozhou Agricultural Credit Society Credit Management", and continuously improve the standardization level of credit management. The third is to manage loans for all employees and do strong loan management. Always insist on monitoring on daily, check -up, monthly visits, and "party members' assault teams" to conduct on -site loan inspections on key customers, and determine the subsequent loan expires according to the customer's first letter of credit and capital to determine the loan. Loan credit quota, interest rate pricing and repayment method. (Dai Hongwei)

Responsible editor: Zhang Wei Guo Jinhui

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