Being icing on the cake is more able to get charcoal in the snow

Being icing on the cake is more able to get charcoal in the snow

Li Jing

The Sichuan Zi -China Agricultural Credit Association has always adhered to the general tone of work in stability, adheres to the market positioning of "serving agriculture, farmers, serving small and medium -sized enterprises, and serving the county economy", focusing on key areas and weak links, and actively exploring financial support for the development of the real economy. The entry point and combination point, through a series of comprehensive policies, carry the flag of local financial main military banks, open up the "infarction" of financing, broaden the "financing road" of enterprises, and contribute agricultural credit for stabilizing the economic market.

Policy support to do "plus law" to support loan investment

The joint cooperation focuses on the in -depth integration model of "party building+finance", in -depth promotion of the "expansion and strong foundation" work, adhering to the support of farmers and small support, and providing high -quality financial services for rural revitalization. The United News Agency helps the enterprise to relieve the people's policy to understand the card ", release credit policies and major credit products, and open the policy to implement the" last mile "to land; effectively strengthen the service of the real economy, and carry out the" 100 -day tackling of the 100 -day tackling of loan marketing. "Special labor competition, entering the park and entering the enterprises and entering the households, and jointly carried out the" nectar "with Zizhong County Development and Reform Bureau and Zizhong County Market Supervision Bureau, actively connect with small, medium and micro enterprises and individual industrial and commercial households in the county, digging new customer resources, and passing Information acquisition, centralized credit licensing, and experience of experience injecting "living water" into various small and micro market entities; continuously adjust the level of personal housing loan interest rates and down payment ratios according to differentiated housing credit policies, the proportion of the first and second house down payment ratios 20%and 30%can be executed. The interest rate of the first home loan is implemented on the basis of LPR. As of the end of May, the total number of loans of the Zihuang Rural Credit Association was 33,772, and the balance of various loans was 966.66695 million yuan, an increase of 457.5131 million yuan from the beginning of the year.

Precise measures to do "multiplication" to help enterprises relieve it

The association increases its support for key trapped industries. The leadership team takes the lead to visit the investigation, sort out the list of trapped companies, formulate differentiated financial services for "one household, one policy", and rationally carry out loan exhibition and renewal. Loan, loan or suspension of loan, appropriately add the credit limit for customers with normal operations and good development prospects, support customers to continue to operate and expand production, so as to "grant as well as" depletion of loan "; improve differentiated financial services Provide corresponding credit support for groups such as individual industrial and commercial households, returning to entrepreneurial migrant workers, and other groups, focusing on increasing the marketing and promotion of "Shuxin E · Loan" and "Shu Xin E · Small Agricultural Loan", increase credit loan investment; continue Increase cooperation with the provincial agricultural burden guarantee company, actively support the new operating entity, further solve the problem of "financing difficulties" and "expensive financing", and affected small and medium -sized enterprises and business owners, individual industrial and commercial households, truck drivers loans and loans and vehicle drivers. Personal housing and consumer loans, in accordance with the principles of marketization and rule of law, adhere to the judgment of substantive risk, strengthen monetary policy tools such as extended repayment of principal and interest, no repayment loans, and supporting farmers' re -loan. As of the end of May, Zizhong Rural Credit Federation has handled 262 repayment of principal and interest, with a cumulative amount of 696.1386 million yuan.

Multiple measures to do "subtract" to make it beneficial to the people

The interest rate of key customer group loans has been promoted to decline steadily, and continuously carrying out the "reduction of expenses" activities, promoting the interest rates of inclusive micro -loan, and effectively helping small and micro enterprises, individual industrial and commercial households such as individual industrial and commercial households to reduce costs; Implement service fee reduction and exemption, exempt all customers to handle mortgage registration fees, exempt all customers through mobile banking channels to transfer remittance business fees, reduce and exempt payment receivable fees, reduce common unit settlement account management fees and annual fees, reduce RMB Transfer remittance fee, reduce the bank card swiping fee. Since the beginning of this year, the China Agricultural Credit Federation has reduced interest rates of 2061, with a cumulative amount of 3.3717 million yuan, and the service expenses were reduced by 862,300 yuan.

Services sink to "remove the method" to clear the obstruction

Zizhong Agricultural Credit Association innovative financial service products, focusing on solving the problem of "financing difficulties", seamless connection between online and offline credit products, and providing "Hui Nongxing Commercial Loan", "Beef Live Mortgage Loan", "Assist the disabled" for physical operators. A variety of loan products such as loan "" loan "," party member pioneer loan "," Shu Xin E · tax gold loan "; adhering to the" backpack tradition "loan delivery and enrolled households, as good as" shop primary two ", so that customers no longer" loans "because of epidemic situations, highlighting For the first loan support of the operating entity, rely on digital finance to allow "more data running, customers less running legs", and provide "paperless, online, mobilization, standardization" convenient credit services for market operators. As of the end of May , Cumulative operating loans have been issued at RMB 25,000,181,100, and the balance of online loans is 11,2620 yuan, an increase of 430.27 million yuan from the beginning of the year.

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