The special research team of the Standing Committee of the Municipal People's Congress visited enterprises to understand the financing demands of enterprises. Photo by Lin Qixin
Finance is the blood of the modern economy. Financial activity, economic activity; financial stability, economic stability. The economy is prosperous, the finance is prosperous; the economy is strong, and the finance is strong. The two coexist and prosper.
In the overall promotion of normalized epidemic prevention and control and economic and social development, Putian City has done a solid job in the "six stability" work such as stabilizing finance, fully implemented the "six guarantees" task, and while implementing the relevant policies of the central and provincial governments, combined with actual measures and solving problems, promoted the banking industry to actively support the development of entity enterprises, and injected financial vitality into economic development.
Nowadays, has the problem of "difficult and expensive financing" of enterprises been effectively solved? What are the shortcomings of the banking industry in supporting the development of entity enterprises? Recently, in accordance with the annual work arrangement of the Standing Committee of the Municipal People's Congress, combined with the activity of "re-learning, re-researching and re-implementation", the special research group of the Standing Committee of the Municipal People's Congress has followed up and investigated the development of the real enterprises supported by the banking industry in Putian City, and put forward suggestions for the municipal government to study and deal with.
▲ Focus on key points and fully support
"On the 'Financial Services Cloud' platform to independently register and release financing needs, there are bankers who take the initiative to come to the door to dock." The person in charge of a company located in Shanting Town, Economic Development Zone, North Shore, told reporters yesterday that not long ago due to operational needs, a capital turnover was urgently needed, and after the company released its financing needs through the "Financial Services Cloud" platform, the customer manager of Putian Rural Commercial Bank contacted the enterprise for the first time to carry out field visits and investigations. Soon, the bank released 9.9 million yuan of working capital loans to the company, which solved the company's urgent needs.
Similarly, a food company in Xianyou fell due to the impact of the epidemic last year, and the business owner Zheng Mou signed several new regional agents for seasoning brands this year in order to expand his operation, but due to insufficient working capital, it caused him a lot of trouble. After learning about this situation, the account manager of the Xianyou County Branch of postal savings bank took the initiative to guide the enterprise to declare the list of bailout enterprises and help the enterprise obtain a low-interest "bailout loan" of 8 million yuan in just 10 days. Compared with ordinary loans, interest expenses can be saved by about 160,000 yuan a year.
Urgent enterprises, solve the difficulties of enterprises. There are still many cases of financing by banking service entities in Putian.
"Putian City has implemented the policy of benefiting financial enterprises, established a financial service platform, and strengthened the in-depth cooperation between government, banks and enterprises, which has effectively alleviated the problems of financing difficulties, slow financing and expensive financing of some entity enterprises, and the ability and environment for the development of the real economy of financial services have been greatly improved." In this special investigation, the special research group of the Standing Committee of the Municipal People's Congress fully affirmed the effectiveness of the banking industry in Putian City in supporting the development of entity enterprises.
According to reports, the relevant departments of Putian City and various financial institutions have fully attached importance to and focused on the key points in accordance with the deployment of the municipal party committee and the municipal government, and fully supported the development of entity enterprises. According to the division of work, the municipal leaders also link the work of an industry "white list" enterprise, guide the service activities of helping enterprises, and take the lead in coordinating and solving the problems reflected in the linked industry; the competent departments of each industry take the lead in doing a good job in the service work of the "white list" enterprises in the industry. All parties have formed a joint work force, and multiple departments such as finance, development and reform, industry and information technology, human resources and social security, taxation, the People's Bank of China, and the Banking and Insurance Regulatory Commission have formed a joint meeting, focusing on the work of supporting entity enterprises in the banking industry, and coordinating efforts to improve the efficiency of the real economy of financial services.
▲ Innovative measures to optimize services
CcB Putian Branch and other 3 institutions supported the construction of 17 new live broadcasting bases, and more than 2,000 sellers in mahogany, jewelry, arts and crafts and other industries started broadcasting with goods. Agricultural Bank of China Putian Branch and other institutions support three third-party market-oriented exhibition companies, assist in the successful holding of shopping festivals, beer festivals and other activities, help expand sales channels, and promote consumption. Shanghai Pudong Development Bank Putian Branch cooperated with Sankeshu Company to provide "supply chain quick loan" financial services for its downstream distributors, with a total of 436 transactions of 69.22 million yuan......
The reporter learned that since last year, the banking industry in Putian City has focused on the implementation of strong industries, the "two-wheel" drive of the city and the all-round promotion of high-quality development and transcendence, played a functional role, and actively docked with service entity enterprises to achieve mutual benefit and win-win cooperation. While launching various types of credit assistance products, major banks have taken multiple measures to optimize services and actively support the development of enterprises.
The special research group of the Standing Committee of the Municipal People's Congress pointed out that putian city banking industry innovation mechanism, comprehensive policy, innovative products, effective expansion, innovative platform, docking financing, and really help the development of entity enterprises.
Draft: Liu Zhihao
It is understood that Putian City has established a "white list" enterprise mechanism, since 2020, a total of 1340 "white list" enterprises have been identified, a "1 + N" policy system has been constructed, policies and measures to stimulate the real economy of financial services have been introduced, and various financial preferential enterprise policies have been fully utilized to fully empower the development of "white list" enterprises, and 392 "white list" enterprises have obtained a total financing guarantee of 1.657 billion yuan.
Putian financial institutions took the initiative to take the initiative to launch the "Xinyi Loan" anti-epidemic exclusive product in the province, innovated a variety of financial products, and raised 5.827 billion yuan for 425 enterprises. Actively promote the incremental expansion of small and micro financial services, since 2020, 514 small and micro enterprises with tax ratings of B or above have been granted credit of 4.06 billion yuan and issued loans of 2.833 billion yuan.
At the same time, Putian City strives to promote the construction of the Puthui Financial Services platform to solve problems such as information asymmetry between government, banks and enterprises from the source, and the platform currently has a total of 19,100 registered users and issued bank loans of 6.455 billion yuan for 811 enterprises in the city.
The research team found that under the great attention of the municipal party committee and the municipal government, the financial ecology of Putian City gradually tended to be good. Carried out the financing docking of "100 marches and 100 enterprises, anti-epidemic enterprises in action", launched the "ten strict prohibitions" of credit financing charges, promoted the reduction of financial services, and improved the supply level of financial services, and the city's financial institutions made more than 2 billion yuan in profits to enterprises. Optimize the quality and effectiveness evaluation system for serving the real economy, and increase the weight of credit delivery assessment in the manufacturing industry. Strengthen risk investigation and effective resolution, maintain a strict crackdown on criminal activities of debt evasion, and achieve a "double reduction" of non-performing loans in the city, creating a good financial ecological environment.
▲ Make suggestions for accurate pulse control
Front-line research to find out the truth, accurate pulse of the idea. In order to gain an in-depth understanding of the situation of entity enterprises supported by the banking industry in Putian City and collect the voices of enterprise financing, the research team also listened to the reports of the Municipal Financial Office, the Municipal Development and Reform Commission, the Putian Banking and Insurance Regulatory Branch and other departments, held a symposium for representatives of entity enterprises, and visited some key projects and enterprises in Licheng District, North Shore Management Committee and other places.
▲The Putian Hanjiang Branch of the Agricultural Bank of China organized personnel to visit Zhengyuan Feed Company to dock the financing needs of enterprises. Photo by Zheng Jingjing
It is still difficult for credit funds to flow into real enterprises, the synergy linkage mechanism needs to be improved, and the financing benefits of "white list" enterprises are not large enough... These problems restrict the effectiveness of the development of banking service entities.
Find the crux of the problem and propose countermeasures. The research group believes that it is necessary to enhance consensus and sincerely help. Entity enterprises should vigorously carry forward the entrepreneurial spirit and strengthen confidence in development. Governments, banks and enterprises should work together to help the development of entity enterprises in a more prominent position, drive digital industrialization and industrial digitalization through scientific and technological innovation, take the initiative to find out the situation, sort out policies, take stock of deficiencies, empower and increase credit for the financing of small and medium-sized enterprises from the source, and help solve the problems of difficult financing, slow financing, and expensive financing for enterprises. It is necessary to honor the policy so that enterprises should enjoy it to the fullest and enjoy it quickly.
The mechanism needs to be further improved to achieve precise assistance. For example, improve the assessment and screening mechanism, improve the "white list" enterprise assessment and screening guidelines, improve the service process of "white list" enterprises in different industries, strictly manage list access, and establish and improve the "white list" enterprise directory database. Improve the credit enhancement guarantee mechanism, establish a risk compensation mechanism for the government and banks to share risks, give play to the role of the municipal asset transportation management company in compensating for asset holding and the credit enhancement guarantee of the municipal financial holding company and the municipal small and medium-sized enterprise re-guarantee company, and at the same time explore models such as supply chain financing and order financing, and actively empower the credit enhancement of entity enterprises. Improve the rolling management mechanism, implement regular reporting and rolling management of the post-loan operation and contribution of "white list" enterprises, and ensure that the effectiveness of assistance is not deviated. Improve the regulatory assessment and evaluation mechanism, strengthen the supervision of the flow of loan funds, and strictly control the rebound of non-performing loans.
"Integrate resources and work together to help." The research group suggested that information resources should be integrated, the timeliness of information collection and the accuracy of data should be improved, and financial institutions should be promoted to accurately connect with enterprises. Integrate financial funds, make overall use of financial funds, give full play to the role of various special funds such as industrial development guidance funds and stable post employment funds, as well as the functions of asset transportation management companies in receiving, storing, and increasing credit, comprehensively use loan discounts, set up credit risk compensation fund pools, and financial funds to reward and replace them, and vigorously support the development and growth of entity enterprises that are in line with the direction of industrial development and have development potential. Establish a two-way incentive mechanism, and use the incremental financial deposits to encourage commercial banks that are more prominent in financing entity enterprises. At the same time, to do a good job of assessment and promote implementation, the competent departments of the industry should strengthen the assessment and notification of the implementation of the work, effectively promote the implementation of the assessment, and ensure that the preferential enterprise policy is precise and precise, and the specific measures are implemented.
(Source: Meizhou Daily Reporter: Zhou Linghan Editor: Cai Yang)