Henan Economic Daily reporter Zheng Hao correspondent Dong Yue
Luohe Banking and Insurance Regulatory Bureau has continuously enhanced its sense of urgency and responsibility, focusing on solving the problem of guaranteeing financial elements, and deeply carrying out the "10,000 people helping 10,000 enterprises" activity to help enterprises solve the key difficulties and pain points faced in development.
Efforts should be made to strengthen responsibility. Establish a chief service officer + work class system, with the main person in charge as the chief service officer of the enterprise, the deputy director in charge and the responsible comrades of the relevant departments to form a special work class. According to the municipal government subcontracting enterprise plan, led by the main person in charge, the team went to LuoheNanjiecun Pharmaceutical Group Pharmaceutical Co., Ltd. to visit and investigate, listen to the voices of entrepreneurs, and understand the difficulties and problems encountered in the production and operation of enterprises.
Focus on post-disaster reconstruction. On the one hand, we urge the banking institutions under its jurisdiction to increase credit support for the disaster-stricken enterprises and the disaster-stricken people, and ensure the new financing needs of related enterprises such as the production, transportation, collection and storage of flood prevention and emergency materials. According to preliminary statistics, as of the end of August, the city's banking institutions had prepared credit funds for flood prevention and disaster relief of 1.109 billion yuan, 384 million yuan of loans had been issued (including 268 million yuan of special funds), the amount of deferred principal and interest payments in the field of flood prevention and disaster relief was 0.21 billion yuan, the fee reduction was 0.01 billion yuan, and the new loans for small and micro enterprises, individual industrial and commercial households and farmers affected by the disaster were 0.55 billion yuan. On the other hand, the insurance companies under their jurisdiction are urged to simplify the claims process in accordance with the principle of "special affairs and urgent matters", and should pay all the compensation and make early compensation quickly. According to preliminary statistics, as of the end of August, the city's insurance companies have received a total of 3,466 claims involving post-disaster reconstruction, 2,610 cases of claims have been resolved, the amount of claims has been 34.9418 million yuan, and it is estimated that a total of 71.4327 million yuan will be claimed.
Focus on improving the efficiency of obtaining loans. Urge all banking financial institutions to actively take the initiative to dock the financing needs reflected by the "10,000 people to help 10,000 enterprises" enterprises, take supporting the high-quality development of the manufacturing industry as the main direction of financial support for the "10,000 people to help 10,000 enterprises" activities, and adhere to the classification of enterprises in different industries. For enterprises that are temporarily in difficulty and have development prospects, they must not draw loans, suppress loans, or break loans, and further implement the policy of deferring principal and interest payments, and comprehensively use means such as extension and renewal to support the "seamless connection" of enterprise loan turnover.
Focus on reducing financing costs. Urge all banking institutions to reasonably determine the interest rate of enterprise loans, effectively reduce the cost of comprehensive financing, strictly implement the "seven no-no" and "four open" and other fee reduction policies, as of the end of July, the average interest rate of inclusive small and micro enterprise loans of banking institutions in the city was 6.26%, down 0.29 percentage points from the beginning of the year. Among them, the average interest rate of inclusive small and micro enterprise loans of bank legal entities within the jurisdiction was 7.66%, down 0.34 percentage points from the beginning of the year; The average interest rate of inclusive small and micro enterprise loans in bank branches under its jurisdiction was 5.02%, up 0.15 percentage points from the beginning of the year. Encourage insurance institutions to appropriately reduce insurance rates, reduce insurance costs, and implement preferential production safety liability insurance premiums for enterprises.
Efforts should be made to strengthen multi-party linkage. Urge all banking institutions to make full use of various financial service sharing platforms and "silver tax interaction policies" to deepen the application of enterprise information and realize the exchange of government affairs information for financing credit. As of the end of August, the balance of corporate credit loans in the city was 17.963 billion yuan.