The first loan service center of Shangxian District is "blood transfusion" for economic development

Since the beginning of this year, the Shangdang District has taken the initiative to take the initiative to strengthen work linkage, and organize the establishment of the first county -level lending service center in the province, and strives to crack the county's bank -enterprise financing information channels, bank loans, corporate loans cannot be problematic problems. For the development of blood transfusion and qi for the real economy, accurately strive to ensure the smooth operation of the local economy.

As of the end of May, the Shanghai Party's financial institutions have successively handled "first loans" for 296 enterprises, with a total loan of 380 million yuan, which continued to contribute financial power to local stability, marketing, and corporate stability.

Differential supply Optimize credit supply and demand structure

Focus on pain points, and establish a long -term mechanism for small and medium -sized enterprises to serve financial institutions. The first loan service center of the Shangdang District is mainly based on providing first loan services to small and micro enterprises and new enterprises. It is fully considering the business advantages of state -owned banks, rural commercial banks, village banks and other institutions, product characteristics, risks and other differences. On the basis of the commercial bank's "resident+rotation" service model, rural commercial banks and village banks with relatively low credit thresholds and faster loans and loans are sent to "resident". Other state -owned banks and policy banks , Shareholding banks "take turns" on duty on weekly.

The center collected and organized more than 90 inclusive credit products in 10 commercial banks in its jurisdiction, produced into a "first loan product promotion" exhibition board and booth, and placed in a prominent location for customers to browse the choice. In this way, customers of all kinds of qualifications can find a product that suits them through "self -assessment, goods than three houses". For enterprises that are interested, the professional credit personnel of financial institutions interpret and analyze the advantages and disadvantages of different products. After the two parties reach preliminary cooperation intentions, the credit commissioner will take the initiative to dock as soon as possible. Establish a "problem" file for the unsuccessful enterprises and customers who apply for loans and follow up, and follow -up visits to help them meet the loan conditions as soon as possible.

Multi -department cooperation promotes mutual benefit and win -win cash and enterprises

While continuously optimizing the professional services of the outlets, the first loan service center of the Shanghai Party District actively exerts the advantages of the financial work center department, actively expand the service forms and fields, and help enterprises solve problems.

The center has established long -term "information sharing" cooperation with the district administrative examination and approval bureau to obtain non -confidential information in physical enterprises in the region, and push it to 10 financial institutions in the jurisdiction in batches. There are 2400 lists, with a total of 110 million yuan in the first loan. At the same time, the joint development and reform, energy, rural revitalization and other departments held 3 special docking meetings in the government service center. Financial institutions explained loan credit policies, products, loan application conditions, and loan application conditions, and loan application conditions, and individual industrial and commercial households who were present. Process, etc., question questions on the spot. More than 40 companies have participated in docking, and initially reached a credit cooperation intention of 210 million yuan. This mode of setting up and two -way services in the center has effectively solved the dilemma of banks' difficulties, marketing difficulties, and difficulty in performance. Enterprises of different industries and different sizes can easily and quickly find financing channels and further realize banks and enterprises. Has benign cooperation.

Comprehensive services help optimize the business environment

After entering the Government Service Hall in the Shangdang District Loan Service Center, the characteristics of the government service hall have a large traffic and strong service correlation, and a "comprehensive financial service post" can be established. Online agency, account processing, bank card, electronic banking, insurance, corporate listing consultation, financial policy knowledge product propaganda, financial consumer rights complaint acceptance mediation and other convenient, professional and secure comprehensive financial service experiences.

At the same time, the center made the financial service projects and credit products of each banking institution into "QR code", the "embedded" government service center electronic promotion platform, and on more than 10 windows such as administrative approval, taxation, civil affairs, land, etc. Set up the "Special Destination Sign", and use the advantages of the strong business push platform, service diversion channels, and exhibition venues to make the first loan and financial services more convenient and fast.

Focusing on the multiplier project of the service market, the Administrative Examination and Approval Bureau regularly pushes the new market entity list to the First Loan Center, so that the newly established enterprises, regardless of scale, "can't get out of the hall" after receiving the business license, you can connect financing, settlement, etc. All -round supporting services are affirmed and welcomed by the public. (Source: Changzhi Daily Ma Yan, Wang Peng)

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