The years have changed, and the time has passed. The picture of history is always unfolding in the process of forging ahead, and the huazhang of the times is always composed in the process of striving to open up. With the strong support of the municipal party committee and the municipal government, the careful guidance of the regulatory departments and the strong leadership of the party committee of the head office, the Lu'an branch of Huishang Bank has taken root in Lu'an and served the overall situation.
Those who fall into reality think of their trees, and those who drink from them cherish their sources. In 2021, Huishang Bank Lu'an Branch focused on the main business, deeply cultivated the local market, enhanced financial services, enhanced financial supply, coexisted with the real economy, and resonated with local development, and submitted a "new answer sheet" to serve local economic development. As of the end of 2021, the balance of various loans on and off the balance sheet of the branches was 54.670 billion yuan, of which the balance of loans on the balance sheet was 38.807 billion yuan, an increase of 6.745 billion yuan over the beginning of the year, and the loan balance and new loans ranked first among the city's financial institutions. The deposit-loan ratio was 98.81%, the new deposit-to-loan ratio was 138.94%, and the tax payment was 188 million yuan, achieving a "double harvest" of economic and social benefits. The branch has been rated as "Advanced Unit of Financial Institutions Supporting Economic Development" by the Municipal Party Committee and the Municipal Government for many consecutive years, passed the re-evaluation of "National Civilized Unit" for four consecutive years, was evaluated as a Class A institution in the implementation of the relevant regulations of the People's Bank of China for many consecutive years, and was rated as an "Advanced Grassroots Party Organization" by the Party Committee of the Head Office for three consecutive years.
Party building leads the "concentric circles" of business integration and development
Lu'an Branch of Huishang Bank has comprehensively promoted the work of party building, empowered high-quality development with party building, and presented a new situation in the development of various businesses.
Take a clear stand on politics. The Party Committee of the branch adheres to the guidance of Xi Jinping Thought on Socialism with Chinese Characteristics for a New Era, deeply studies and publicizes the spirit of the Fifth and Sixth Plenary Sessions of the Nineteenth Central Committee of the Party and the spirit of the Eleventh Provincial Party Congress, always adheres to the party's political construction in the first place, takes the celebration of the 100th anniversary of the founding of the party as an opportunity, takes the promotion of comprehensive and strict management of the party as the guide, solidly carries out the study and education of party history, comprehensively improves the quality of party building work, and provides a strong political and organizational guarantee for the construction of a high-quality development lu'an branch.
We will not waver in our strict management and actions. Strictly implement the "two responsibilities," convene meetings of the Committee for Comprehensively and Strictly Administering the Party and the Internal Supervision Committee, carry out comprehensive supervision and inspection in a regular and standardized manner, invite experts from the Municipal Commission for Discipline Inspection to carry out special party lesson counseling, and do a new round of deepening the "three cases" warning education and the construction of a clean and honest financial culture, thus creating a good development environment with a clean and healthy atmosphere within the scope of the branches. In 2021, as a demonstration financial institution and excellent work provider of clean financial culture construction, the branch was selected into the "Clean Financial Culture Special Journal" of Lu'an Banking and Insurance Regulatory Bureau for three consecutive times, and all work was fully recognized by the superior supervision unit.
Courageously take responsibility for epidemic prevention and control. When the new crown pneumonia epidemic broke out in Lu'an on May 13, the party committee of the branch attached great importance to and acted quickly to strictly implement the regulations on epidemic prevention and control, and in the case that the peak of 122 people could not arrive at their posts due to epidemic isolation, they always maintained the normal and orderly operation of various businesses by activating emergency plans and reasonable scheduling. Conscientiously implement the requirement of "the party flag flying high on the frontline of the grass-roots level", the members of the leading group of the party committee of the branch took the lead in going deep into the grass-roots business outlets to guide the epidemic prevention and control work, and 8 party members were selected to cooperate with the paired support units to carry out volunteer service work, and actively donated epidemic prevention materials. During the epidemic period, the average interest rate of loans issued to small and micro enterprises fell by 0.62 percentage points from the beginning of the year; A total of 56 small and micro enterprise loan extensions have been completed, with a total of 196 million yuan; A total of 2,033 households and 1.562 billion yuan of online loans have been issued. Through Tencent meetings, 5 credit business review meetings were organized, and 29 credit business transactions were approved and approved, with 1.5 billion yuan.
Rooted in the local area to play a "combination fist" of serving the local economy
Nowadays in Lu'an, whether it is the construction of key urban projects or the development of small and medium-sized enterprises, there is the active financial support of Huishang Bank behind it, and the Lu'an Branch of Huishang Bank conforms to the direction of national policies, conscientiously implements the requirements of "six stability" and "six guarantees", and achieves new development and new leaps in the benign interaction with local economic development, providing new momentum for helping Lu'an green revitalization catch up with development.
Serve the development of the real economy. Actively seize the lu'an mayor's triangle integration strategy, "double strokes and double introduction", Hefei metropolitan circle and other new development opportunities, take the initiative to dock the city's major project investment plans, key investment projects, more financial "living water" to private manufacturing, industrial parks, scientific and technological innovation enterprises and other real economic fields, and constantly increase the credit of industrial enterprises, and make new breakthroughs in serving local development strategies. As of the end of 2021, the balance of private loans of branches was 10.509 billion yuan, an increase of 1.385 billion yuan over the beginning of the year, of which the balance of loans to support the manufacturing industry was 2.861 billion yuan, ranking the forefront of the city's banking financial institutions, an increase of 426 million yuan over the beginning of the year, and the balance of loans for science and technology enterprises was 773 million yuan, an increase of 194 million yuan over the beginning of the year. The branch has successively realized loans to a number of key manufacturing enterprises such as Lu'an Iron and Steel Group, and continued to strengthen the tracking of key investment projects in our city, improve service levels, and help create a good business environment.
Serve the development of green industries. The "14th Five-Year Plan" is a critical period and window period for carbon peaking, and the branch actively grasps the new opportunities for transformation, and deepens the concept of green development into the whole process of operation and management, and the whole process of credit delivery. Continue to increase the collection of green industry research and green project information in Lu'an, strictly implement the "one-vote veto system for environmental protection", and provide high-quality financial services for green credit customers. As of the end of 2021, the balance of green credit in branches was 1.812 billion yuan, an increase of 490 million yuan or 37% from the beginning of the year. Among them, the ecological environment industry invested 1.712 billion yuan, and the clean energy industry invested 100 million yuan.
Serve the rural revitalization strategy. Earnestly implement the series of decision-making and deployment of the municipal party committee and the municipal government, make full use of the advantages of geographical popularity, institutional outlets, products and services, and comprehensively serve the rural revitalization strategy. The branch implements the "one county, one case" work model, focuses on key areas such as land increase and decrease linkage, balance of occupation and compensation, global land consolidation, and mine ecological restoration, and actively promotes the construction of agricultural industrialization industrial chain according to the characteristic industries of each county and district. By the end of 2021, the branch has invested a total of 6.510 billion yuan in loans for "rural revitalization" special products, and 2.650 billion yuan in new investment.
Service direct financing business. The branch actively supports the expansion of the direct financing business of enterprises in our city, and has invested a total of 1.295 billion yuan in debt financing instruments, private bonds, corporate bonds and other debt issued by enterprises in our city, which supports customers to successfully issue bonds while effectively assisting them to reduce financing costs.
Intensive cultivation and meticulous work to support small and micro enterprises "high score volume"
Lu'an Branch of Huishang Bank has always adhered to the market positioning of serving small and medium-sized enterprises, continued to increase credit delivery, focused on reducing financing costs, improving the availability of financial services, broadening the coverage of financial services, and being a responsible, responsible and warm bank, and the loan market share of small and micro enterprises ranked first among financial institutions in the city for many years.
Relying on professional reforms, we will take multiple measures to bail out at the same time. Through the "five specializations", we will continue to solidify the reform of the professional business model of small and medium-sized enterprises and dredge the "source of living water". Continue to promote the cooperation between "government, banking and enterprises", on the basis of the strategic cooperation agreement signed between the head office and the Lu'an Municipal Government, many bank-government-enterprise matchmaking meetings at all levels have been held to integrate financial resources and increase innovation, so that the relevant preferential policies of the state and banks can benefit enterprises in the first place. As of the end of 2021, the balance of loans for small and micro enterprises of the national standard was 15.259 billion yuan, an increase of 668 million yuan over the beginning of the year, of which the balance of loans for inclusive small and micro enterprises with credit of less than 10 million yuan was 5.385 billion yuan, an increase of 539 million yuan. Implement the extension of 212 million yuan for inclusive small and micro enterprises, implement the concession of profits to the real economy, and let our bank bear the mortgage assessment fee and registration fee, and further reduce the comprehensive financing cost of small and medium-sized enterprises.
Relying on products and services, financial empowerment helps. Innovative launch of financial products with small and micro enterprises has been welcomed by the majority of private, small and micro enterprises. As of the end of 2021, the balance of small business specialty products in branches reached 2.286 billion yuan. Among them: for legal persons, small and medium-sized enterprises, the full online credit loan "credit e loan" and the guarantee loan "guarantee e loan" were provided, with the balance of 717 million yuan and 396 million yuan respectively, an increase of 197 million yuan and 332 million yuan over the beginning of the year; Provided online mortgage loan "cloud mortgage loan" for small and medium-sized micro business owners, with a loan balance of 485 million yuan, an increase of 438 million yuan from the beginning of the year; For enterprises with difficulties in repaying the principal when due, the non-repayment renewal product "Easy Loan" has been provided, and a total of 963 million yuan has been invested.
Relying on the supply chain, the service is accurate and efficient. Since last year, in the face of multiple challenges affecting economic development, branches have focused on serving small and medium-sized enterprises, vigorously supporting the supply chain industry chain, stabilizing circulation and optimizing and upgrading. By the end of 2021, the branch supply chain financing was 400 million yuan, an increase of 100 million yuan year-on-year, an increase of 30%; The number of core enterprise customers served was 13, and 29 upstream and downstream customers were radiated, an increase of 75%.
The courage to take on the "good voice" of disseminating and practicing social responsibility
Actively practicing social responsibility is an inevitable choice for the sustained and healthy development of state-owned enterprises. With "integrity, stability, innovation and harmony" as its core value orientation, Lu'an Branch of Huishang Bank has built a corporate culture with its own characteristics, actively participated in public welfare undertakings, assumed social responsibility, and made new contributions to promoting social employment, maintaining social stability and building a happy Lu'an.
The work of rural revitalization and support is effective and effective. In terms of village assistance, 6 outstanding employees were sent to Haojiagang Village, Wangcheng Street, Jin'an District, and other 6 designated poverty alleviation villages to help. In the commendation of the seventh batch of selection and dispatch work in Lu'an City, 2 village-based poverty alleviation cadres of the branch were awarded the honorary title of "The Seventh Batch of Excellent Cadre Pacesetters in the City". Haojiagang Village, Wangcheng Street, a branch paired village, was awarded the honorary title of "Advanced Village for Poverty Alleviation" in Jin'an District. Through consumption poverty alleviation to help rural revitalization, procurement of 230,000 yuan of agricultural products to help the village, increase support for the construction of beautiful villages, and donate 50,000 yuan of beautiful rural construction funds to Wuqihe Village, Dahuaping Town, Huoshan County.
Party building leads the in-depth advancement of the construction of credit villages. Innovatively launched the pure online "Party Building Leads Credit and Easy Loan Products", actively cooperated with local governments, and promoted the party building of 8 administrative villages and communities such as Gaowan Village in Taoling Township, Jinzhai County, to lead the construction of credit villages. By the end of 2021, a total of 6,734 rural households have completed the information collection, and 357 households and 26.84 million yuan of "party building leads credit and easy loan" credit granting work have been completed. New users can realize the online operation of the whole process of 1-minute application, 3-minute credit granting, and online repayment of mobile banking through the "Anhui Shitong Party Building Leading Credit Village Platform".
The work of serving the three rural areas has been effectively improved. Deeply promote the financial development of rural areas, and strive to open up the "last mile" of rural basic financial services. Launched a number of special products such as Huinong Card, General Save Order, Huinong Loan, etc., to improve the deposit income of county and township customers. By the end of 2021, Huinong Card has issued a total of 372,300 cards, with a balance of 3.996 billion yuan; The general Save 77,900 orders, with a balance of 5.072 billion yuan. The balance of agriculture-related loans was 9.255 billion yuan, an increase of 3.639 billion yuan over the beginning of the year. Solidly carry out the business of guaranteed loans for entrepreneurship, and in 2021, a total of 178 guaranteed loans for entrepreneurship will be issued, with a total amount of 65.74 million yuan, which will effectively help laid-off unemployed people to start a business.
Civilized and standardized services are fruitful. Adhere to serving the people's livelihood in the region, actively carry out the activities of popularizing financial knowledge, continue to deepen the protection of consumer rights and interests, and continue to promote the work of creating civilized and standardized services, and the sub-branch of the government affairs district was awarded the honorary title of "2021 Top 1000 Demonstration Units for Civilized and Standardized Services of Banking Business Outlets in the Banking Sector" by the Banking Association, which is the only institution in Lu'an City to obtain this year.
Social welfare activities are often carried out unremittingly. Actively respond to the requirements of the regulatory authorities, around the theme of "anti-illegal fund-raising, anti-telecommunications fraud, card breaking action, anti-counterfeiting, anti-money laundering" and other themes, organize into the community, park publicity, popularization of financial knowledge. Establish a sub-station for civilized practice volunteer service in the new era, and carry out volunteer service activities such as financial service condolence activities and civilized transportation volunteer service persuasion on a regular basis. Actively participate in social welfare assistance, charity one-day donation, free blood donation, warm winter action and other work, with warm actions to give back to the trust and care of all sectors of society.
There is a long way to go, and there is no need to whip yourself; The tide is strong, ride the wind and waves and set sail again. Standing at a new historical starting point, Huishang Bank Lu'an Branch will always maintain the soberness and firmness of "catching up with the examination", be the main financial force serving the local economy, provide strong financial support for building Lu'an's "one district, four places and one barrier" and building a new stage of modernization and happiness in Lu'an, and greet the victory of the party's 20th National Congress with excellent results.
Source| West Anhui Daily
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