The "service index" becomes a "happiness index" to solve the "urgency and sorrow" of the enterprise

The "service index" becomes a "happiness index" to solve the "urgency and sorrow" of the enterprise

Liu Yan

The epidemic should be defended, the economy must be stable, and the development of development is a clear requirement for the Party Central Committee. A few days ago, in order to efficiently coordinate the prevention and control of the epidemic and the development of economic and social development, the Jiangxi Provincial Rural Credit Cooperative Union has increased credit support, scientifically and accurately help enterprises relieve rescue, vigorously promote consumption recovery, take multiple measures and reduce expenses, improve financial services, and improve financial services. Effective, actively giving play to the policy combination of policies, and improving the mechanism of guaranteeing the implementation mechanism, etc., have made accurate efforts, and formulated 27 measures for the province's agricultural and commercial banks to hold the economic market. Among them, for enterprises such as accommodation catering, wholesale and retail, cultural tourism, transportation and other industries that have a greater affected by the epidemic, the province's Rural Commercial Bank has implemented a list of list management and differentiated services to effectively help market entities in difficult markets to stabilize expectations and cross difficulties. Essence

To speed up

Credit "timely rain" helps freight logistics running out of acceleration

Traffic logistics is the great arteries of the market economy and an important support for people's livelihood protection. Faced with the difficulty of operating logistics enterprises and truck drivers, Jiangxi Agricultural Credit Federation guides the province to innovate exclusive credit products throughout the province, and uses good people's inclusive small and micro loan support tools. Logistics guarantee and unobstructed key groups provide financing support.

The agricultural and commercial banks across the province responded quickly, paid close attention to key areas and enterprises, and kept it with actual measures. For example, Gannong Rural Commercial Bank continues to increase financial credit support for transportation and logistics enterprises, broaden corporate financing channels, vigorously develop digital finance, carry out online product services, and specifically launch "Baifu Hui Enterprise Loan, inclusive loan loans, inclusive loans, and loan loans, and loan loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclusive loans, and loans of inclnovation. Online loan products such as Xiaowei Loan and Jianyi Loan "have been reduced and exempted from 19 business charging projects such as check -up work fees, handling fees, losing costs, and small account management service fees for units, and fully support the smooth logistics and industrial chain supply The chain runs stable. Gao'an Rural Commercial Bank has a wealth of supply chain financial service scenarios. While issuing financing loans to auto transport logistics enterprises, it has launched "car loan" products for downstream truck drivers to purchase cars, introducing Gaoan SME guarantee Co., Ltd. and Jiangxi Province As a guarantee company, Inclusive Financing Guarantee Co., Ltd. will issue a truck mortgage loan within 70%of the vehicle driver. Longnan Rural Commercial Bank adopts a series of emergency financial services such as innovative products, relaxation, online approval, non -standard loan, renewal loan, reduction of expenses, and shortage of money, and accommodate the financial needs of logistics and transportation enterprises.

Data show that in the first six months of this year, the loan balance of truck drivers of the Rural Commercial Bank of Jiangxi Province was 2.5 billion yuan, which benefited 17,000 people. The balance increased by 160 million yuan compared with the same period of the previous year, a year -on -year growth rate of 7.2%.

Targeted

Service "point -to -point" promotes the recovery of the cultural tourism industry

"A painting of green mountains and green water, there is a home in Baiyun." Wuyuan Ancient Village is scattered, pink walls, small bridges flowing water, and picturesque. In March and April of last year, "watching cauliflower, visiting ancient villages" is the true portrayal of "China's most beautiful countryside". Under the impact of the epidemic, the development of the cultural tourism industry is in trouble, and it is one of the industries that have been affected.

"I did not expect that the Rural Commercial Bank's renewal process was so convenient, and we did a big truth for our enterprises." The person in charge of Wuyuan County Landscape Industry Co., Ltd. could not return to Wu in Shanghai for some time ago. As a result, the company faces the dual dilemma of the decline in operating income and the expiration of loans that cannot be renewed normally. During the visit, Wuyuan Rural Commercial Bank learned that the company's loan demand was required, in accordance with the principle of "essentially more important than form", through remote video signing and signing "commitment letters" and other capacity lack of processing services. Successfully handled 4.5 million yuan of "Caiyuan Credit" renewal procedures.

In order to support the recovery and development of the province's cultural tourism industry, the Rural Commercial Bank of Jiangxi Province has vigorously implemented the mission of "people banks" and "leading banks". The docking efforts of 10 categories such as cultural tourism, catering, retail, and 2,142 households, combined with "100 banks to help thousands of enterprises, financial service cultural tourism recovery" and other activities, focus on travel agencies, cultural and creative enterprises, homestays and other articles. Traveling small and micro enterprises investigations and visits, "face -to -face" service, "point -to -point" rescue, cumulative connection with 319 households in the entire jurisdiction, and knowing 121 business entities with financing needs. 2.14 billion yuan.

At the same time, the Jiangxi Agricultural Credit Federation also requires that the province's agricultural and commercial banks to flexibly promote credit products such as "Caiyuan Credit" and "Cultural Calendar" in accordance with the characteristics of the company to establish and follow up. Conditions and credit -supported cultural tourism enterprises, timely formulate credit schemes, collect loan materials, start the loan review process, establish a "green channel" service mechanism, and improve the efficiency of loan management and service quality.

Burden reduction and efficiency

Play the "Combination Boxing" escort market subject lightly on the battlefield

"The funds are quickly reached, and the interest rate is still so favorable. It not only solves our financing problem, but also saves financing costs." Li Xianzheng, the head of Jiangxi Luming Plastic Industry Co., Ltd., was so emotional. Affected by the epidemic period a while ago, the company had a problem of capital turnover when paying the payment of upstream companies. After understanding this situation, Yifeng Rural Commercial Bank accelerated the approval process and issued a loan of 1 million yuan to solve the urgency of the enterprise.

Financial bailout injects live water sources into the market entity. Promoting the cost reduction of benefits is to use "real gold and silver" to reduce the operating cost of the enterprise and help enterprises "lightly put on the battle". In response to the issue of "difficult financing and expensive financing" of enterprises, Jiangxi Agricultural Credit Federation launched the "one enterprise, one policy" differentiated financial services, reasonably carried out loan exhibition periods and renewal arrangements, implemented service expenses and exemptions, optimized no renewal service services without repayment loan services Wait for the "hard core" measures to guide the province's agricultural and commercial banks to reduce the fee to make the "combination boxing", effectively reduce the business burden of the enterprise, and help enterprises climb overlap. In this regard, the person in charge of Jiangxi Mingyue Mountain Tourism Railway Construction Management Co., Ltd. feels deeply. "Due to the stress of the principal and interest of the company's repayment of loans due to the epidemic reasons, Yichun Rural Commercial Bank took the initiative to handle the loan exhibition for me for me. And lowered the loan interest rate of 81 BPs to help companies save about 500,000 yuan in interest expenses. This series of measures is indeed an urgent enterprise. If there is no Rural Commercial Bank to help us reduce the burden, we do not know how to support it. "

For small and medium -sized enterprises, individual industrial and commercial households, truck drivers loans, and personal housing and consumer loans affected by the epidemic, Jiangxi Provincial Rural Commercial Bank of Jiangxi Province In accordance with the principle of marketization and rule of law, under the condition of adhere to the judgment of substantial risk, comprehensive use of extension of extension The time limit, adjustment cycle, exhibition period, renewal and other methods to handle extended principal and interest for customers, and strive to delay delay and decrease. Since the beginning of this year, the province's agricultural and commercial banks have implemented the support of customers who have been affected by 3299 households to be affected by the impact of the epidemic.

On this basis, the Rural Commercial Bank of Jiangxi Province has also established a differentiated credit reporting service mechanism to implement a list system for customers who have failed to repay the affected situation; The "four types of specific groups" have a record of overdue credit reporting, and related loans that extend the repayment of interest payment; for personal housing mortgage loans and car mortgage loans affected by the epidemic, they cannot repay in time and cannot apply for extension repayment in time In the case of providing credit reporting, it is not included in the record of credit reporting, and fully protects the rights and interests of the information that affects the information of the information.

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