Dazhu Rural Commercial Bank's work of "stabilizing enterprises and ensuring employment" has achieved results
Since the beginning of this year, Dazhu Rural Commercial Bank has actively responded to the unfavorable situation brought about by the new crown pneumonia epidemic, kept its mission in mind, focused on the main business, and focused on "stabilizing enterprises and ensuring employment" as the focus of work, providing strong financial support for the resumption of work and production of county-level enterprises and the stable development of economy and society. As of the end of August, the balance of agriculture-related loans of the whole bank was 6.631 billion yuan, and the balance of loans for small and medium-sized enterprises was 2.888 billion yuan, and the role of the county's main force bank was prominent.
Shoulder the responsibility, and "breathe together, share the fate" with the enterprise. During and after the epidemic period, our bank firmly "supports the 'three rural areas', supports small and medium-sized enterprises, and supports the economic and social development of the county". The first is to continue to reduce fees and profits for customers and reduce customer financing costs. Launched the "war epidemic loan" loan product, to achieve low-cost loan support for enterprise interest rates of no more than 4%, through the opening of green channels, simplify the loan review process, shorten the lending time, further improve the efficiency of loan issuance, so that enterprises can obtain development funds in the shortest time and at the lowest cost. The second is to adjust the repayment plan to help customers tide over the difficulties. In the case of shrinking production and declining operating profits of some private small and micro enterprises, our bank has taken the initiative to alleviate the capital turnover pressure of some private small and micro enterprises through effective measures such as loan extension and renewal, and has implemented a deferred principal and interest payment policy for 134 customers, with an amount of 55.32 million yuan. The third is to use good banks to support small re-loans for agriculture and support, and to spread the breadth of financial support. The Bank has further broadened the breadth of credit support for the regional economy by using the PBOC's small refinancing to support agriculture and provides a broader financing channel for individual industrial and commercial households, new agricultural enterprises, and small and medium-sized enterprises. By the end of August, 181 small re-loans had been issued to support agriculture and support, with an amount of 236 million yuan.
Optimize the service mechanism and "grow together and seek win-win" with customers. Our bank vigorously carried out corporate visit activities, relying on the "marketing center construction" and "gold hunting action" to accurately dock financial services. Dazhu County Metal Products Co., Ltd. is located in Dazhu County Industrial Park, a metal products processing enterprise, affected by the epidemic, the company has a capital gap, our bank visited to learn about the situation, through investigation and approval, for which a loan of 5 million yuan, to solve the urgent need of the enterprise. Since the beginning of this year, our bank has issued loans to 8 enterprises in the park, with an amount of 66.3 million yuan. At the same time, our bank actively innovates credit products, with "rural revitalization" as the main line, and launches a variety of rich and targeted credit products such as "Industrial Flow Loan", "Xingshang • Changzhen Loan" and "Xingnong • Agricultural Undertaking Loan", which meets the financing needs of different types of customers. A jewelry store in Dazhu County after the resumption of work and production of liquidity gap, because there is no effective collateral, has not been able to obtain sufficient credit funds, our bank learned of the situation, through the "Industrial · Flow Loan" product, according to its bank flow to its credit of 700,000 yuan credit loan, to fill the capital gap, to help the jewelry store smoothly through the difficulties.
Strengthen financial innovation, and use science and technology to "improve services and benefit people's livelihood". With the revitalization of the national consumer market, the customer's "short, frequent, fast" financial needs continue to stand out, our bank vigorously promotes the "card loan pass", customers can complete the loan application through mobile banking, after the loan is issued during the credit period, you can use mobile banking to withdraw and return the loan at any time, which greatly facilitates the customer's financial consumption needs. At the same time, we actively expand the additional functions of mobile banking, dock social security, electricity, water supply, natural gas, schools and other departments, increase the construction and connection of service modules, realize the multiple functions of mobile banking to pay social security medical insurance, water and electricity, tuition and other functions, and the construction of smart electronic community service platform has achieved initial results. (Text:Wang Jing, Gan Xu)
Editor/Nan Jiang