Huangyan Sanqian Xiaowei Listed 5.4 billion yuan pure credit loan

According to statistics from the Taizhou Central Sub -branch of the People's Bank of China, by the end of May, 3,534 small and micro enterprises completed the credit rating of small and micro enterprises in Huangyan District, Taizhou City, 3008 households received a total of 5.444 billion yuan in credit loans and a loan balance of 3.063 billion yuan, which means that Huangyan excessive excess Complete the target of "2000 households of 200 households" for provincial credit loan rating of small and micro enterprises. It is worth noting that the first loan households were 1618 households, accounting for 53.79%, and a total of 2.373 billion yuan was awarded; 475 "New Taizhou people", accounting for 15.8%, and a total of 637 million yuan. In terms of financing expensive.

Zhejiang Taizhou Jinshanling Wine Co., Ltd., located in Ningxi Town, Huangyan District, is a 60 -year -old factory that chairman Chen Huaijun took over from the Ningxi Winery of Zhejiang Huangyan Ningxi Winery. Through long -term equipment transformation, process innovation and new product development, Jinshan Mausoleum Wine has become a designated production enterprise in the province. Intangible cultural heritage inheritance base.

"Old burn is the inventory and assets of the winery, but it also causes a long funding period for production and operation." Chen Huaijun said that Huangyan Rural Commercial Bank added to the 3 million yuan and an annual interest rate of 4.15 %. The support of 3 million yuan Yongxin Xiaocai Loan helped the winery through the decline in sales and cash flow in 2020 affected by the epidemic.

"Yongxin Little Micro Loan" is a pure credit loan series developed by Huangyan Rural Commercial Bank. "Relying on 500 billion and 10 billion central banks' small retraining monetary policy tools, coupled with the 2.3 billion yuan loan scale approved by the Central Branch of the People's Bank of China, we control the weighted average interest rate at 4.74%during the pilot period to ensure 100% Meet the credit demand of small and micro enterprises through credit rating. "Li Junhua, deputy governor of Huangyan Rural Commercial Bank, introduced that the tilt of credit loans is nearly 3 times before the pilot pilot, and the interest rate is lower than the bank's general loan interest rate of about 1.5 percentage points. The cumulative cost of saving financing for small and micro enterprises is about 56 million yuan.

In November 2020, the Hangzhou Central Sub -branch of the People's Bank of China and the Provincial Market Supervision and Administration Bureau identified Huangyan District as a pilot area for credit loan rating in small and micro enterprises in the province. Local introduce the credit market of Ant Credit Evaluation Co., Ltd.'s rating small and micro enterprise, integrate 406 million credit information data of the provincial full -process electronic registration platform, Taizhou financial service credit information platform, and ant enterprise credit evaluation platform. Level 12 "AR WeChat Rating Model", 360 -degree credit portraits of strange companies. Huangyan Rural Commercial Bank matches the loan quota based on the rating results, and strives to revitalize the credit assets of small and micro enterprises and improve the quality of financial services.

Behind the new financial service model of "third -party small and micro -enterprise rating+bank credit" is a hard support provided by the central bank's monetary policy and local fiscal policy. According to reports, the Taizhou Central Sub -branch of the People's Bank of China issued a re -loan of 1.6 billion yuan to Huangyan Rural Commercial Bank with an annualized interest rate of 2.25%, and provided 200 million yuan in credit loan support plans for small and micro enterprises. The above two weighted average funds cost is only 2%. It is a 0.5 percentage point of the pilot bank to reduce the cost of funds, and guide its reasonable pressure and credit loan interest rate. The local financial department establishes special financial subsidy funds to give 1.5%of the financial discount to the first loan small and micro enterprises, and gives a 0.5%loan risk compensation for the pilot bank based on the loan quota to effectively boost the confidence of bank -enterprise.

In addition, the People's Bank of China Huangyan District Sub -branch guided banking institutions to activate accounts receivables for accounting mold enterprises through medium -sized account receivable financing service platforms, promoted the purchase of funds for the purchase of the numerical control equipment for the property of the property rights and interests, and supported the traditional pillar industry of Taizhou Chain integrated development. Zhejiang Kaihua Model Limited Company, located in Huangyan Smart Mold Town, is a core supply chain company. It obtained 150 million yuan in credit from Huangyan Sub -branch of Industrial Bank, helping its upstream companies to revitalize 60 million yuan in accounts receivable.

Our reporter Zhao Qi

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