Zaozhuang Banking Regulatory Supervision Branch: "Three focus three focuses on three strengthening" to promote the development of inclusive finance

Luwang, August 5th (Reporter Du Wei Li Yanqi) On the morning of August 5th, Zaozhuang City held a press conference on the financial operation of Zaozhuang City in the first half of 2022. Zhao Zhibin, member of the Party Committee and Deputy Director of Zaozhuang Banking Regulatory Bureau, attended the press conference and answered questions from reporters. At the meeting, Zhao Zhibin introduced the Jaozhuang Banking Regulatory Bureau in the first half of the year to play the role of regulatory leadership and promoting the development of inclusive financial development.

Zhao Zhibin said that the development of inclusive and sustainability to the development of inclusive finance is to enhance the tolerance and sustainability of economic and social development. It is of great significance for promoting employment, eliminating poverty, and increasing common prosperity. An important content. Since 2022, under the leadership of the Municipal Party Committee and Municipal Government and the Shandong Banking Regulatory Bureau, the Zaozhuang Banking Regulatory Bureau has adhered to high positioning and system planning to lead the city's bank insurance institutions to vigorously develop inclusive finance. Increase, the efficiency and quality of financial services have been significantly improved.

The first is to optimize the inclusive financial service system around three focus. Focus on the application of credit information sharing, strengthen communication and docking with departments such as fiscal, development and reform, taxation, taxation, market supervision, real estate registration, in -depth excavation of credit information data related to enterprises, promoting the "silver tax interaction" business, 12 banking institutions realize the "silver tax tax Interactive "data access and product launch, the" silver tax interaction "loan balance was 1.084 billion yuan, an increase of 280 million yuan over the beginning of the year. Focus on the construction of the rural financial service system, and encourage banking institutions to extend the service outlets downward. There are 209 business outlets in the existing townships and below, 3,444 rural convenience service sites, service stations, 916 self -service tools, and opening the "last mile" of financial services. Carry out the creation and assessment of credit users, credit villages, and credit townships, and promote bank insurance institutions to access new types of agricultural business entity information direct reporting systems, and provide credit and insurance services for points. Focus on the optimization of the business environment, cooperate with the Municipal Local Financial Supervision Bureau to continuously promote the convenience of acquiring credit operations, and guide banking institutions to continuously optimize and simplify the operation process of credit business. At present, the average processing links of small and micro enterprise loans in small and micro enterprises currently meet 9 materials, which are reduced by 2, 6 days and 6 pieces before the reform of the "decentralization service". Joint 12 departments issued the "Work Plan on Strengthening the Financial Services of New Citizens", carry out an innovative action of "one line, one product, one product", 44 innovative exclusive products, and a credit of over 1 billion yuan, exploring the "Zaozhuang model of Zaozhuang model for financial services to enter the city "". Promote the aging transformation of the Internet intelligent facilities, improve the level of service levels of the hall, and effectively solve the difficulties encountered by the elderly in the use of intelligent technology.

The second is to adhere to three attention and improve the accuracy of inclusive financial work. Pay attention to policy overall planning, continue to promote bank insurance cooperation, Yinfang cooperation, broaden the channels for corporate credit increase channels, and play a compensation role in risk sharing. At the same time, actively strive for policy support and complete the application of the central financial support financial development demonstration zone in the two districts (cities), including Tengzhou, and the city. Pay attention to precise docking, investigate the financial service enterprises of rural revitalization on the spot, efficiently connect with financing needs, and help solve difficulties on the spot. Promote the rating of the new type of agricultural business entity, covering 56%. Optimize the financial services of SMEs for "Specialty New", and conduct comprehensive docking through investigations and visits. It is expected that full coverage can be achieved at the end of September. Pay attention to supporting services, hold the promotion meeting of Zaozhuang's financial service rural revitalization and "Zaozhuang City Financial Services Rural Revitalization Product List" (bank, insurance articles) conference, and establish an electronic list covering 105 rural revitalization products. Grassroots grid members and other channels directly reach the people to improve their sense of gain, happiness and satisfaction.

The third is to strengthen the quality of inclusive finance based on three enhancements. Strengthen supervision and assessment orientation, focus on the construction of long -term mechanisms for "dare to loan, wishful loan, energy loan, and loan", optimize the assessment system of inclusive small and micro -financial service indicators, and guide banking institutions to establish the Ministry of Finance and Small and Micro -Enterprise Professional Sub -branch To implement regulatory policies such as exemption and adverse tolerance, and increase the business development of credit loans, no renewal loans. Strengthen the "command stick" role of regulatory evaluation, and combine the supervision and evaluation of small micro -financial services in banking institutions, strengthen the combination of supervision evaluation results with on -site inspection, statistical monitoring, window guidance and other supervision methods, and consolidate the foundation of small and micro enterprises' financial services for sustainable development of financial services. Essence Strengthen supervision and supervision and promotion, strengthen the monitoring of the "two increases" of inclusive small and micro -enterprise loans and the completion of credit plans to complete the progress, and supervise the implementation through supervision interviews, non -on -site supervision, and on -site inspections. Since the beginning of this year, the city's inclusive small and micro enterprise loans have added 3499 households and 4.507 billion yuan, and the average interest rate for the new inclusive small and micro enterprise loans is 4.98%, a decrease of 0.31 percentage points from the beginning of the year.

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