"This year, as the scale of the business has expanded, the company's liquidity needs have been growing. Thanks to the 'three-network integration' mechanism of financial party building, Manager Zhan matched the 'Bank-Tax Connect' product for us for the first time and issued a loan of 1 million yuan, which really solved the urgent need. The person in charge of Runmo Technology said excitedly that the manager Zhan in his mouth is Zhan Tuo, the account manager of Chongqing Jiangbei Branch of Huaxia Bank, and is also a community financial grid member of Huaxin Street Street, Jiangbei District, Chongqing.
The "incarnation" of bank employees as financial grid officers to provide precise financing services for small and micro enterprises is a microcosm of the special action of "three networks integration" jointly carried out by Chongqing Jiangbei District and Chongqing Banking and Insurance Regulatory Bureau.
Since April this year, Chongqing Jiangbei District and Chongqing Banking and Insurance Regulatory Bureau have closely followed the construction of the "No. 1 Project" of the Chengdu-Chongqing Twin Cities Economic Circle and implemented the normalized "three services" mechanism of the Chongqing Municipal Party Committee, carried out the special action of "three networks integration" of financial party building leading financial service network, grassroots governance network and bank risk compliance management network, sinking financial institutions, teams, services and products to the grassroots governance grid, promoting the masses and market entities in the grid of inclusive financial living water and precise "drip irrigation", and focusing on giving full play to the role of finance in helping enterprises and benefiting the people. Constantly practice the political and people's nature of financial work.
Institutional teams are organized
Establish a twinning mechanism between financial institutions and towns and streets
Jiangbei District and Chongqing Banking and Insurance Regulatory Bureau jointly selected the first batch of 12 banking and insurance institutions for pilot, respectively "one-on-one" pair contact with 12 towns and streets in Jiangbei District, and in accordance with the principle of "close to convenience", the corresponding branches (branches), service outlets and financial service personnel were compiled into the corresponding community grassroots governance grid; The main person in charge of the branch (branch) divided into the corresponding town and street is the financial grid chief, and each grid selects at least one party-member financial cadre and employee to serve as a financial grid member, specifically responsible for the work of grid inclusive finance.
On the basis of the success of the first batch of pilots, 22 banking and insurance institutions followed. At present, a total of 33 financial institutions have been paired with the town and street, inclusive financial services have been fully covered and embedded in 132 communities (villages) and 1,368 grids in Jiangbei, and the "15-minute financial service circle" has been basically completed.
Service convergence
Carry out "three visits, one construction and one propaganda"
What are the responsibilities of financial grid officers and how to effectively promote inclusive finance into the grid? Based on the familiarity of financial institutions with financial policies, product advantages and the needs of the masses, Jiangbei District has formulated the service responsibilities of "three visits, one construction and one publicity", namely: regularly visiting community grid leaders, visiting enterprises and individual industrial and commercial enterprises in the grid, visiting residents in the grid, timely exploring the financial needs of market entities and residents in the grid, and providing accurate and appropriate financial products and financial services; Party organizations of financial institutions cooperate with town streets, communities, and grid party organizations to carry out party building and joint construction activities; Focusing on cracking down on illegal financial activities such as pension financial fraud, "agent surrender" of illegal products, and virtual currency speculation, carry out financial knowledge publicity to enhance the financial risk prevention awareness of community enterprises and residents. Since the launch of the work, Jiangbei District has carried out 617 sessions of "five advances" lectures on financial knowledge, effectively promoting the construction of a harmonious financial and honest society.
Closed-loop management
Promote the practical results of helping enterprises benefit the people
Jiangbei District has established a closed-loop control mechanism for financial demand, coordinated the establishment of a financial party building "three-network integration" problem list, enterprise financing demand list, residents' financial demand list, financial service grid project list, clean financial culture construction list "five lists", the implementation of the list of supervision, financing demand leadership, grid project joint management "three office mechanism", the results of the handling as an important reference for daily financial supervision and evaluation, to promote grid financial demand in everything has been implemented. There is an echo in each piece. Since the beginning of this year, a total of 1,137 grid financial needs have been collected, all of which have been completed.
Iterative upgrades
Continue to strengthen financial assistance services for enterprises and people
"The 'integration of the three networks' of financial party building is a specific action to carry out the theme education of learning and implementing Xi Jinping's thought on socialism with Chinese characteristics in the new era, and it is also a pragmatic starting point for iteratively upgrading the Jiangbeizui Financial Party Building Pilot Zone, through the pairing of financial institutions and town streets, sinking inclusive finance to the grassroots governance grid, effectively promoting financial services and risk prevention to move forward, and opening up the 'last 100 meters' of party building leading finance to help enterprises benefit the people." The relevant person in charge of the Chongqing Banking and Insurance Regulatory Bureau said.
In May last year, Chongqing Jiangbei District, Chongqing Banking and Insurance Regulatory Bureau and 37 financial institutions jointly built the Jiangbeizui Financial Party Building Pilot Zone, explored an effective path for financial party building to empower the construction of the core bearing area of the western financial center and promote high-quality development, and formed a number of recognizable and influential landmark achievements including the "integration of three networks" of financial party building, such as party building-led financing assistance to enterprises, and "Hongjinyu" financial party building brand.
"Next, we will adhere to the leadership of party building and digital empowerment, continue to iteratively upgrade the Jiangbeizui Financial Party Building Pilot Zone, accelerate the construction of a new highland of high-quality development led by financial party building, and contribute party building wisdom and financial strength to the new era and new journey of comprehensively building a new socialist modern Chongqing." The relevant person in charge of Chongqing Jiangbei District said.
