Provide credit protection protection for enterprises to help enterprises relieve difficulties

Provide credit protection for enterprises to help companies relieve difficulties

Zheng Zoumin

In order to implement the relevant policy requirements of the People's Bank of China Zigong City Sub -branch on the special action plan for financial support to help enterprises and economic stability, and the protection of credit reporting during the epidemic period, Sichuan Fushun Rural Commercial Bank actively practiced "credit reporting for the people for the people for the people "Concept, increase financial support for anti -epidemic rescue, do a good job of guaranteeing credit reporting, effectively safeguard the legal credit reporting rights and interests of the public, and help enterprises to relieve difficulties.

In protecting the rights and interests of corporate credit, "escort" for enterprises. "The epidemic raid, the enterprise is in a half -stop production state, there is no enough manpower, the enterprise's delivery is extremely difficult, the corporate loan is about to expire, the loan repayment pressure is huge, the loan is about to be overdue, the credit report report will be overdue, the credit report report is available in the report Overdue loans are difficult. "The person in charge of the enterprise said scorchedly. At this time, the staff of Fushun Rural Commercial Bank came to the enterprise to understand the situation, and did not do overdue records that did not pay time to timely credit to the overdue credit business that did not be repaid due to the prevention and control of the epidemic. hope. "Three, 5 million yuan loan, delayed for 3 months, the credit report report is not affected, and the policy of people is too good." The company's person in charge said. Through system extension registration, the loan is extended for three months. According to the delayed repayment arrangement, the report of reporting credit reporting has greatly alleviated the pressure on the expiration of the amount of funds, giving enterprises sufficient time to solve difficulties.

After the epidemic occurred, Fushun Rural Commercial Bank actively implemented the relevant requirements of the People's Bank of China Zigong Zhongzhi on the protection of credit reporting during the epidemic, quickly responded, took the initiative to investigate the affected by customers, improve the standards of the four types of people, formulate extension repayment repayment, Measures such as processes, implementation of bad information notifications, etc., and improve the credit protection mechanism during the epidemic. Application by customers, the information review (affected by the epidemic meets the four types of people), and register the registration system after the epidemic delay is extended, and the overdue information will not be pushed to the credit reporting system to ensure the customer's credit reporting rights. As of now, Fushun Rural Commercial Bank has registered 28 strokes through the epidemic delay system, involving a loan amount of 109 million yuan, of which 1 poverty alleviation loan and 11 small and micro enterprises; Those who have been submitted, open the green channel, report to the relevant information, make error correction and adjust through the provincial party's credit reporting system. Up to now, it has been adjusted to the overdue records of 3 companies. The trapped private small and micro enterprises who have lost credit and have the willingness to repair the credit repair will formulate the "Credit Rescue Plan for Small and Micro -Enterprises During the New Crown Epidemium". The acquisition of financial services and credit support helps small and micro enterprises to resume work and fight for the epidemic.

Relying on the Sichuan Credit Credit "Tianfu Credit" platform to help market players bift. A stamping buckle of a punch, the hot air of galvanized workshop, a 24 -hour operation order product in each workshop in a company in Fushun County, the person in charge of the company said: "She is receiving telephone publicity from Fushun Rural Commercial Bank when worrying about funds. Tianfu Credit Platform, without going out, you can loan quickly. " The enterprise registered with the mentality of trying and logging in to the release of financial financing needs. Fushun Rural Commercial Bank should timely sound the company's needs. %, Sending "timely rain" to the enterprise, effectively solved the "urgent burning" of the enterprise. As of now, under the guidance of the People's Bank of China Zigongzhong, Fushun Rural Commercial Bank rely on the "Tianfu Credit" platform to register more than 420 households to achieve financing of 498 million yuan for small and medium -sized enterprises on the platform. At the same time as control, actively strengthen credit reporting services to help enterprises pass the epidemic difficulties; specially tilted through credit policies, strengthen discharge emergency management, reasonably delay the repayment period, provide customer credit reporting services, simplify credit business service procedures and other methods to open up Financial services have green channels, strengthen the support of the epidemic prevention and control financial support, and provide non -repayment loans on tourism, accommodation, catering and other industries that have a greater impact on the epidemic. The liquidity of funds, as of the end of May this year, a total of 1,746 renewal loans were replaced, with a balance of 1.011 billion yuan, of which the balance of small and micro enterprises was extended by 609 million yuan.

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