Financial institutions "True Gold and Silver" help enterprises to relieve difficulties

Zhuzhou Daily News (All -Media Reporter/Liu Fang Correspondent/Duan Chenxi) reduced fees to reduce the cost of reducing corporate financing, and flexibly adjusted the repayment arrangement ... Since this year, the People's Bank of China Zhuzhou Middle Sub -branch (referred to as the People's Bank of Zhuzhou City Branch) surrounds the accommodation) Dining, cultural tourism, transportation and logistics, energy supplies, and scientific and technological innovation, carry out the "Top Ten Territories Stability of Enterprises and Enterprises", and promote bank institutions to relieve the banking institutions by clarifying the list of tasks and establishing an assessment and evaluation mechanism. It is difficult to help the real economy.

Make good use of the "toolbox" to increase credit support

Liling Huaxin Electric Porcelain Technology Co., Ltd. is the largest manufacturing company with the largest and most complete variety of hollow porcelain insulation in the world. It is a "little giant" enterprise in Hunan Province. Recently, due to factors such as spreading in many places and geopolitical conflicts, raw material prices have risen sharply, which led to a large gap in the purchase of raw materials in the company. After learning about this situation, Liling Rural Commercial Bank immediately docked with the Central Branch of the Zhixing Zhuzhou City, using a small and retro loan to issue a mobile fund loan of 20 million yuan to the enterprise, and the annual interest rate of the loan was only 4.0%, which greatly reduced the financing cost of the enterprise.

Facing the current demand contraction, impact shock, and expected weakness of the triplets, the Zhongzhizhongzhongzhongzhong branch through the "monetary policy tool+" model, implementation re -loan re -discount support supports emerging advantage industrial chains, green low -carbon enterprises, scientific and technological innovation enterprises, etc. Plan, "True Gold and Silver" supports enterprises through difficulties. Since the beginning of this year, the city has issued a total of 2.547 billion yuan in re -loan and re -loan, which has strongly supported the development of agricultural -related business entities, inclusive small and micro, and individual industrial and commercial households.

For science and technology enterprises, how to revitalize intellectual property resources and turn "intellectual property" into "assets" is particularly important. To this end, the Bank of Zhuzhou City China Branch United Science and Technology Bureau, Market Supervision Bureau and other departments have successively issued the "Administrative Measures for the Administrative Measures for the Risk Compensation of Intellectual Value Credit Loans of Zhuzhou High -tech Zone" and "Administrative Measures for Zhuzhou Intellectual Property Pured Financing Risk Compensation Fund". Technology -based enterprise knowledge value risk compensation funds and intellectual property pledge financing risk compensation funds. At present, 10 financial institutions have issued 60.4 million yuan in knowledge value credit loans to 17 companies.

Set up the "Golden Bridge" and open up the information blocking point

The Huayu Restaurant of Tianyuan District encountered an epidemic during the trial industry, and the losses were large, and the mobile funds were seriously tight. After understanding the situation, the Municipal Catering Industry Association includes the information in the "List of Financing the Catering Enterprise" and pushed it to the banking institution from the Central Branch of the People's Bank of China. In less than a day, the restaurant received a 100,000 yuan credit loan. Behind the efficient service, thanks to the ahead of the Bridge of the Central Branch of Zhuzhou City.

This year, the Central Branch of the PICC learned about the financing needs of enterprises in time, and sorted out eight trapped enterprises and key project construction financing demand list Organize banking institutions to go deep into the park, professional markets, and enterprises to visit enterprises, and to issue a total of 11.35 billion yuan in new loans.

In addition, the Central Branch of the Bank of Zhuzhou also jointly explored the construction of a comprehensive local financial service platform with local governments, introduced 49 financial institutions, launched 185 financial products, and awarded the credit amount of more than 4.31 billion yuan for enterprises.

Play "service cards" and optimize financial services

Due to the lack of rice in rice last year, Zhu Qinghua's rice planting cooperatives in Liling City have experienced liquidity difficulties.

After understanding the situation, Liling Rural Commercial Bank established a "one -to -one" hosting banking relationship for the cooperative, and tailored the "one -sided" credit support plan. "Pioneer Loan" 200,000 yuan effectively guarantees the spring farming work of the company.

The Zhizhou City Branch actively promoted the "one -to -one" hosting bank service mechanism, arranged measures such as special credit resources, opened a special green approval channel to quickly respond to corporate credit needs. Since the beginning of this year, the city's financial institutions have provided host bank services for 663 enterprises and individual industrial and commercial households, issuing loans of 1.542 billion yuan, and the time limit for loan approval was shortened by 3 to 5 working days.

Help enterprises overwhelm difficulties, the Central Branch of the Zhizhou City also urged financial institutions to implement the prudent and tolerant policy, and for small and micro enterprises that have developed prospects but encounter temporary difficulties in liquidity. Corporate cash expenditure, and guide financial institutions to take the initiative to reduce their expenses, and can reduce the interest rates of small and micro -enterprise loans.

At present, the city's financial institutions have accumulated a total of 6882 households to handle 4.384 billion yuan in the exhibition period, to handle 653 million yuan for 4,202 households, and the loan interest rate and overdue interest rate of 1,6620 households have been reduced by 16620 households.

Source: Zhuzhou Daily

Review: Luo Xiaoling

Edit: Chen Chen

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