Taishan Rural Commercial Bank bravely undertakes the mission of green finance, continuously increases the provision of green credit, helps the transformation and development of green and low-carbon enterprises, strives to improve the quality and efficiency of green financial services, and provides strong impetus for the development of green industries in the jurisdiction. By the end of 2023, a total of 492 green credit households have been disbursed, with an amount of 418 million yuan.
continuous docking visits,
Intensify the provision of green credit
"Just when we encountered difficulties in funds, the staff of Taishan Rural Commercial Bank found us and solved our problems. The person in charge of Taisheng Environmental Services Co., Ltd. said gratefully.
The company is a green enterprise mainly engaged in the installation of environmental sanitation public facilities and environmental pollution prevention and control, and has made positive contributions to the city's sanitation and cleaning services. Due to the addition of a batch of sanitation facilities and equipment, the company needs a lot of funds, but lacks effective guarantees and cannot raise the required funds in a short time. Taishan Rural Commercial Bank, which is carrying out enterprise docking visits, learned about the above situation and immediately organized a customer manager to dock. After a detailed investigation, 20 million yuan of credit funds were finally issued to the enterprise through the pledge of accounts receivable, which effectively promoted the efficient operation of urban sanitation work.
In recent years, Taishan Rural Commercial Bank has combined the "ten hundred thousand" visit docking and "big research, big visit, big marketing" activities, included green enterprises in the management of key service lists, set up 23 financial service teams, implemented them door to door, followed up by special personnel, solidly carried out the cultivation of first loans, financial counseling into enterprises, and provided a package of services such as comprehensive credit, capital settlement, and financial planning, and visited and docked 135 green enterprises in 2023. At the same time, the bank has set up green financial service windows in each sub-branch to provide green enterprises with "one-stop" services such as consultation and Q&A, business handling and contract signing.
Focus on key areas,
Contribute to green and low-carbon transformation and development
"With the credit support of Taishan Rural Commercial Bank, our company has successfully stepped into the fast lane of transformation and development!" said the person in charge of Shandong Sifu Industrial Co., Ltd. with joy on his face.
The company is a high-tech enterprise integrating R&D, production and sales of new fiber reinforced composite materials, and its R&D and production of high-performance FRP fiber reinforced composite steel bars can be used as an alternative to traditional high-energy-consuming steel, which can reduce carbon emissions by more than 50%. In the critical period of enterprise transformation and upgrading, liquidity has become a difficult problem restricting development. Since the company has 20 patents, Taishan Rural Commercial Bank immediately handled an "intellectual property pledge loan" of 9 million yuan for the company, successfully helping the company to transform and develop to green and low-carbon.
In recent years, Taishan Rural Commercial Bank has continuously enriched and improved the credit product system, providing a variety of credit products such as credit loans, "entrepreneurial guarantee loans" and "intellectual property pledge loans" for "specialized, special and new" and science and technology enterprises in different development periods, and strive to solve the financing needs of enterprises at different stages of development and different scales. By the end of 2023, a total of 432 "start-up guarantee loans" worth 385 million yuan have been issued to enterprises, and 18 "intellectual property pledge loans" worth 153 million yuan have been issued, ranking first among financial institutions in Taishan District. At the same time, a "white list" of science and technology enterprises will be established to lay the foundation for the follow-up "one-to-one" precise docking. In 2023, a total of 27 "specialized, special and new" enterprises with a total of 307 million yuan will be supported, and 9 "talent loans" with a total of 171 million yuan will be issued to "whitelisted" customers.
Focus on fee reduction and profit concession,
Improve the quality and efficiency of green financial services
"Taishan Rural Commercial Bank not only processed the loan quickly, but also helped me apply for preferential interest rates, which really solved my urgent need!" said the person in charge of Shandong Bilu Environmental Protection Technology Co., Ltd. looking at the funds received and holding the hand of the account manager excitedly.
Shandong Bilu Environmental Protection Technology Co., Ltd. is a professional engaged in environmental protection technology research and development and environmental monitoring of the enterprise, the enterprise orders are continuous, but recently the person in charge of Mr. Wang has been sullen. It turned out that the company had recently received a batch of large orders, but lacked funds to purchase raw materials. After understanding the situation, the customer manager of Taishan Rural Commercial Bank took the initiative to come to the door, and it took only 2 days to release 3 million yuan of credit funds in place, and also gave a certain range of preferential interest rates.
Taishan Rural Commercial Bank embeds the green concept into the whole process of credit business, and takes meeting the requirements of environmental protection, pollution control, energy conservation and emission reduction and ecological protection as an important criterion for credit decision-making. On the one hand, the bank adopts a differentiated interest rate pricing model for green enterprise loans, and implements "one household, one discussion" for interest rate pricing according to customer creditworthiness, scale and comprehensive contribution, and on the other hand, the bank actively implements the policy of benefiting enterprises, and has issued a total of 1.091 billion yuan of policy-based credit products, saving customers 5.4 million yuan in financing costs. At the same time, we will continue to innovate and enrich green financial products and services, expand the depth and breadth of green financial services for the real economy, and launch a series of green credit products such as "forest right mortgage loan", "photovoltaic loan" and "carbon emission right mortgage loan" to help green enterprises build their dreams and move forward. (Wang Zhengchen)