Comprehensively docking the yangtze river delta integration plan; vigorously supporting the development of green economy, low-carbon economy and circular economy; increasing the investment of manufacturing loans; increasing support for new agricultural business entities and new rural formats; strengthening the construction of payment and business circle service systems, and constantly highlighting the resource endowments of the "back garden"...
The wind rises in the Yangtze River Delta, and the financial "living water" surges. In recent years, postal savings bank Huainan branch sails the Yangtze River Delta, closely following the two keywords of "integration" and "high quality", and continues to integrate with higher quality, larger pattern and stronger synergy, and the pace of outlining a new chapter in the integrated development of the Yangtze River Delta has become more and more sonorous.
Charging: Focus on key areas and strengthen accurate support
In the new display industrial park of Huainan High-tech Zone, Anhui Baker Technology Co., Ltd. began mass production of large liquid crystal display modules, and the workshop was a busy scene. This is a collection of cover glass, LCD / backlight module research and development, production, sales in one of the intelligent manufacturing enterprises, since the settlement in Huainan High-tech Zone, to achieve cluster development. "Happily, the company is getting bigger and bigger now, but we also need more money to support our better development." When it comes to companies that are expanding in scale, the head of Anhui Beike Technology Co., Ltd. has mixed feelings.
It is reported that the new display industrial park in Huainan High-tech Zone, relying on the integrated development strategy platform of the Yangtze River Delta, will make every effort to build a new display research and development center cluster, a production and manufacturing cluster, and a supporting service cluster in East China. The economy is the body, and finance is the bloodline. "Accelerate the recovery", "do not fall but rise", "go up against the trend", these words appear in the Yangtze River Delta enterprises with high frequency, which precisely reflects the resilience and solid chassis of the integrated high-quality development of the Yangtze River Delta. Among them, it is inseparable from the rapid assistance of financial funds. Taking the Huainan Branch of postal savings bank as an example, the bank's physical loans in 2021 increased by 2.424 billion yuan compared with the beginning of the year, an increase higher than the average growth rate of postal savings banks in Anhui Province, and the completion rate ranked first in the province's postal savings. It has provided strong financial support for the integrated development of the Yangtze River Delta.
Concentrate on "integration" and sing "concentric songs". The person in charge of Anhui Baker Technology Co., Ltd. is facing the ever-expanding product line and business scale, and in addition to being happy, there are also concerns. On the one hand, the impact of rising raw material prices, the urgent need for liquidity turnover, coupled with the increasing demand for customer upgrading and innovation of products and services, on the other hand, there is no collateral available for secured loans, followed by an increasing funding gap. The head of the enterprise was caught in a dilemma for a while. Through the "four free one service" guarantee mechanism, the enterprise handled the "small and micro easy loan" business of the Huainan Branch of the Postal Savings Bank. The person in charge not only solved the problem of shortage of funds for enterprise development, but also gave a thumbs up to the efficient service of postal savings bank Huainan Branch that is "customer-centric", especially "running at most once". "Unexpectedly, there is no collateral can also be loaned, the loan arrived in 3 days, not only let us feel the Huainan temperature of heavy business, pro-business, security businessmen, rich businessmen, postal savings bank services are also too thoughtful, help our private enterprises too much!"
It is reported that in order to strongly support the industrial chain and supply chain layout of the Yangtze River Delta, the Huainan Branch of postal savings bank has focused on increasing credit support for manufacturing, science and technology enterprises, strategic emerging industries and other fields in recent years, closely following the key to development, relying on big data technology and standardization mode, tailor-made "small and micro easy loan" online pure credit loan products for small and micro enterprises, and effectively helping small and micro enterprises to solve problems such as difficult first loan, difficult financing, expensive financing, and slow financing.
And this is only one aspect of the "integration" and "high quality" of the Huainan Branch of the Postal Savings Bank. The wind is surging in the east, and the tide of the times is rolling forward. In addition, the bank further clarified the direction of work in serving the Yangtze River Delta, continuously enriched the way of guarantee, strengthened the cooperation between banks and governments, bank-enterprise, bank-enterprise platforms, launched various types of loan products issued to agriculture-related customers, small and micro enterprises, individual industrial and commercial households and small and micro business owners, built a full-coverage product system of "online + offline" and "credit + guarantee", made good use of policies such as living fee reduction and profit reduction, due diligence and exemption from liability, increased the investment of credit loans and medium- and long-term loans, "customer-centric", and provided integrated financial services. Ensure the realization of the "two increases" goal of inclusive small and micro enterprise loans.
Cohesion: Deepen inclusive finance and serve rural revitalization
In recent years, the Huainan Branch of postal savings bank has firmly consolidated the fruits of poverty alleviation, taken it as its mission to help the rural revitalization process, and comprehensively improved the level of agriculture-related financial services. The data shows that in 2021, the bank's three rural inclusive small and micro loans achieved a net increase of 243.3 million yuan, and the three rural inclusive agriculture-related loans achieved a net increase of 172.82 million yuan, ranking second in the province in the completion rate and the first in the province. ...... The string of figures is the most powerful proof that the bank is dedicated to serving the "three rural areas".
Mr. Zhu, who runs a pork business in Cao'an Town, Huainan City, Anhui Province, has experienced fluctuations in the domestic pork market and has also faced losses. "The total investment in our new plant is very large, but the biggest difficulty in financing is that there is no collateral, and the loan is difficult to process." Speaking of the difficulties encountered in pig farming and entrepreneurship, Mr. Zhu's words are impressive.
Affected by the supply and demand relationship in the domestic market, the price of pork continues to decline, Mr. Zhu frankly said that several months of the year are serious losses, and at most raising a pig will lose more than 1,000 yuan. "The factory profit and loss point of pigs is 8.5 yuan a catty, every time the pig price rises by two yuan, we can earn hundreds of thousands of yuan more, if we fall by two yuan, not only can not make money, but also upside down." Mr. Zhu analyzed, "There is no fixed profitability for pig farming. From sow breeding to listing, it takes about a year cycle, and the price is changing every day, and no one can predict the pig price after a year. And there are many external factors affecting pig prices, and more importantly, the relationship between supply and demand. ”
Pork trading attaches great importance to cash flow, and the instability of the industry has led to the constant need for funds. Knowing that Mr. Zhu encountered difficulties in production and operation, the staff of the Huainan Branch of the Postal Savings Bank took the initiative to come to the door for the first time, formulated a rational credit granting plan on the spot according to the actual situation, and finally chose the "Postal Undertaking Cloud Pass" agricultural assistance model jointly created by the Provincial Branch of the Postal Savings Bank and the Provincial Agricultural Undertaking Company, thus realizing the "code on the code" of the three rural businesses, and the loan service was handled immediately.
"I have been in contact with some banks before, and the process procedures are relatively slow, and the preparation of various materials is also more cumbersome. Thanks to the Postal Savings Bank, I was able to solve my urgent needs. Mr. Zhu recalled. Postal Undertaking Yuntong has the characteristics of high quota, low interest rate and fast lending, which can be repaid with borrowing during the credit period, and can be smoothly lent through the door-to-door service, green channel and processing process of Postal Savings Bank Huainan Branch. This is also an important reason for Mr. Zhu to choose the Huainan Branch of Postal Savings Bank. It is not only Mr. Zhu who chose the Huainan Branch of postal savings bank, the data shows that since the opening of the activity in 2021, the "postal undertaking cloud communication" business of postal savings bank Huainan city branch has accounted for 78.18% of the scanning code, ranking first in the financial industry in Huainan City. In the first three days of January 2022, the amount of the bank's "code office" ranked first in the province's postal savings.
Force: Smooth financial demand and improve people's well-being
The river is rushing and hot. In the Yangtze River Delta, which is full of economic vitality, the development of the Yangtze River Delta is steadily and accelerating. The benefits of people's livelihood brought about by "integration" are also being released, and the well-being of people in the region is also continuously improving. Behind this, it is indispensable to the bank to help.
The wind is surging in the east, and the tide of the times is rolling forward. The integrated development of the Yangtze River Delta is essentially high-quality development. Manufacturing is the "ballast stone" of the economy of a big country, to promote economic growth and improve the quality of employment is crucial, in order to enhance the development momentum, to ensure that the "planning blueprint" becomes a "realistic picture", in terms of support for advanced manufacturing, Postal Savings Bank Huainan Branch continues to "increase the size", around the core enterprises, deepen the industrial chain financial services, in 2021 to the manufacturing industry The cumulative balance of loans exceeded 240 million yuan. In order to alleviate the financial pressure of enterprises, postal savings bank Huainan Branch continues to strengthen the "customer-centric" business philosophy, dig deep into the needs of manufacturing customers, focus on fee reduction and profit reduction in key support areas, effectively strengthen financial services to the real economy, and comprehensively help do a good job in the "six stability" and "six guarantees" work to help the transformation and upgrading of the manufacturing industry.
In terms of promoting scene construction, postal savings bank Huainan Branch has expanded co-brand card cooperation, phased scene cooperation and phased merchant cooperation around the consumer needs of residents such as "food, clothing, housing, transportation and entertainment" to enhance residents' financial service experience. Postal Savings Bank Shouxian Cross Street Branch is located in the center of Shouxian Ancient City, in order to actively respond to the construction of mobile payment acceptance demonstration county and the construction and deployment of "micro-business circle", the branch relies on its own geographical advantages, actively promotes the payment of ancient city scenes, and comprehensively builds the "Smart Ancient City, Convenient Payment" project, covering 80% of the merchants in the ancient city, creating a characteristic brand of "Postal Hui Ancient City".
In terms of respecting the elderly and helping the elderly and facilitating the people, postal savings bank Huainan branch provides customers with convenient and heart-warming services of "anytime, anywhere and at will" through continuous innovation and handling channels, opening up "green channels" for special customer groups, door-to-door service to solve the problems of the people, so that customers can truly feel the responsibility of postal savings bank. For elderly customers, all outlets of the bank have set up financial service teams, equipped with mobile devices, to provide door-to-door services for specific groups of elderly people, to provide "special affairs" door-to-door services in hospitals, government halls or other designated places, to provide more warm financial services. It is reported that the bank also issues a "Jinhui Card" exclusive financial IC debit card to pension financial customers, while giving priority to supporting secondary and above pension institutions, and giving priority to enterprises close to communities, business circles and medical institutions. In addition, the bank launched a large-character version of mobile banking, with clear font enlargement, concise and clear layout, and highlighting common functions used by middle-aged and elderly customers. At the same time, customers can use the "one-click help" function to facilitate online customer service or call customer service.
In the field of green finance, postal savings bank Huainan branch has identified key service areas, supported the prevention and control of pollution such as water bodies, atmosphere and solid waste, ecological environmental protection and restoration, energy conservation and emission reduction, clean energy and intensive utilization of resources, etc., supported the research and development and transformation of green technologies, and the construction of green and recycled industrial systems; In 2021, the net increase in green credit was 0.31 billion yuan, and the net increase in green financing was 0.50 billion yuan. A steady stream of financial living water nourishes the green waters and green mountains of Huainan.
The wind and tide are surging and the sails are good to help the new development of the region. With the in-depth promotion of major strategies such as the integrated development of the Yangtze River Delta and the Huaihe River Ecological and Economic Belt, especially the in-depth implementation of vigorously supporting the development of advanced manufacturing, deeply cultivating the agricultural and rural market to serve rural revitalization, and creating a regional inter-industry financial cooperation ecosystem, the Huainan Branch of the Postal Savings Bank, which is struggling to integrate into the "integration" road, will continue to prosper with the economy, keep pace with the times, and ride the wind and waves to promote the Yangtze River Delta towards a more magnificent future. (Weina Zhang)