"Investor Network" soup towel

Editor Hu Shan

Under the general tone of China's economic "steady growth", the role of commercial banks in financial support has become more prominent.

As the first city commercial bank in western China to be listed on the stock market, Chongqing Bank closely follows the policy guidance of the real economy of financial services, and has achieved positive results in establishing a foothold in the local economy, developing inclusive finance and supporting small and micro enterprises.

Data show that by the end of 2021, the loan balance of small and micro enterprises of the Bank of Chongqing was 87.902 billion yuan, an increase of 4.58 billion yuan over the end of last year. The total amount of credit granted by a single household was 10 million yuan and the loan balance for inclusive small and micro enterprises was 39.783 billion yuan, an increase of 5.524 billion yuan over the end of last year. Continue to meet the regulatory requirements of "two increases and two controls". By the end of April this year, the loan balance of the bank's inclusive small and micro enterprises exceeded 40 billion yuan.

Behind these figures, it shows the achievements of Chongqing Bank of China in expanding the supply of high-quality financial resources and exploring product model innovation under the guidance and support of Chongqing Business Management Department of the people's Bank of China and Chongqing Banking and Insurance Supervision Bureau.

Serve small and micro to promote product innovation

"I really didn't expect that without mortgage guarantee, we would be able to get a credit loan from the Bank of Chongqing only with the title of 'specialized and special new' of our enterprise." Mr. Zhang, general manager of an electrical company in Chongqing, said.

An electrical company in Chongqing is a national "specialized and special new" small giant enterprise in Liangjiang New District of Chongqing, mainly engaged in R & D and production of automotive electrical parts, and the company has always attached importance to innovation ability. it has more than 50 patents for inventions, utility models and appearance.

In recent years, under the influence of the epidemic situation of COVID-19 and the changes in the international trade situation, the import of automotive electrical chips needed by enterprises has been restricted. To this end, enterprises have stepped up their own research and development of chips, and are in urgent need of supplementary funds for chip research and development and supporting raw materials, but all the collateral that can be used for loans has been mortgaged, so there is an urgent need to solve the financing problem by means of credit loans.

After learning about the situation of the enterprise, the Liangjiang Branch of the Bank of Chongqing opened a green channel for the examination and approval of the "specialized special new" project, issued a "specialized special new credit loan" of 9 million yuan to the enterprise, and further reduced the fees and profits for the enterprise, implementing a preferential interest rate of 3.95%. Reduce its comprehensive financing costs.

In fact, this is just a microcosm of Chongqing Bank's efforts to benefit finance and serve small and micro enterprises.

On June 21, 2021, the Bank of Chongqing officially released the characteristic brand of inclusive financial services "Yuyu Golden Service", further realizing the development of characteristics, standardization and brand.

In terms of financial products, the bank launched three categories of "classic products", "characteristic products" and "online products", including more than 20 products of 8 series: classic, startup, science and technology, agriculture, rural areas and farmers, culture and travel, batch, good enterprise loan and chain enterprise loan. In terms of financial services, nine major financial service features, such as "sincere service, fair and just", "rich products, easy financing", "inclusive direct access, no intermediary fees", "simple and efficient", "exclusive team, worry-free loan", "professional and solid, trustworthy", "information protection, safe and reliable", "value-added services, win-win cooperation", "new and old customers, common growth" and so on. Committed to the majority of small and micro enterprises to bring more high-quality and efficient financial service experience.

In 2022, the Bank of Chongqing continues to adhere to the strategic orientation of "serving the local economy, serving small and micro enterprises, and serving urban and rural residents", further strengthening the rescue and assistance of small and micro enterprises.

On the one hand, in order to improve the quality and efficiency of services, the Bank of Chongqing actively promotes product model innovation and develops products such as "science and technology growth loans" for science and technology start-up enterprises, "cultural travel assistance loans" for cultural and tourism enterprises, and "boat-to-ship loans" for logistics enterprises. upgrade individual industrial and commercial households "good enterprises over-loan", agriculture-related business main body "rural revitalization youth loan" and other businesses to meet the diversified financing needs of small and micro enterprises.

It is worth mentioning that the Bank of Chongqing has further increased its financial support for advanced manufacturing and strategic emerging industries, focusing on the use of "specialized special new credit loans" to support the high-quality development of "specialized special new" small and medium-sized enterprises.

In addition, the bank also supports the scientific and technological innovation of small and micro enterprises and uses products such as "knowledge value credit loans" and "good enterprise knowledge production loans" to effectively meet the financing needs of technology research and development, achievement transformation, equipment purchase, capacity expansion and other financing needs of technology-based small and micro enterprises.

On the other hand, the Bank of Chongqing takes the initiative to reduce costs and profits, constantly dredge the internal interest rate transmission mechanism, and reasonably determine the loan interest rate for small and micro enterprises on the basis of the quoted interest rate in the loan market, so as to effectively alleviate the financing difficulties of small and micro enterprises.

Offline, the bank adopts "one household, one policy" to tailor the financial service plan for small and micro enterprises, implementing differential interest rate pricing; online, implementing a series of interest rate concessions for online credit products "good enterprise loans" to maximize the benefit of small and micro enterprises.

In terms of loan methods, the Bank of Chongqing has also optimized and vigorously promoted a series of credit loan products such as "knowledge value credit loan", "specialized special new credit loan" and "good enterprise tax credit". We will increase the use of credit methods for products such as "motivational loans" and "youth loans for rural revitalization" to effectively enhance the financing availability of small and micro enterprises.

At the same time, the Bank of Chongqing has actively done a good job in the continuous transformation of the policy of deferred principal and interest repayment, taking the initiative to follow up the loan renewal needs of small and micro enterprises, using loan renewal products such as "non-repayment" and "special loan renewal". Loans for qualified small and micro enterprises "continue every day".

Effective landing of financial services for rural revitalization

On the road of financial assistance to rural revitalization, the Bank of Chongqing is also actively playing a financial role, continuously increasing financial support in the field of "agriculture, rural areas and farmers", effectively consolidating and expanding the achievements of poverty alleviation, and comprehensively promoting the strategy of rural revitalization.

By the end of 2021, the bank's balance of agriculture-related loans was 48.743 billion yuan, an increase of 7.615 billion yuan over the end of last year, of which the balance of inclusive agriculture-related loans was 10.525 billion yuan, an increase of 1.868 billion yuan over the end of last year.

The Bank of Chongqing focuses on improving the ability of rural financial services, and constantly optimizes the mechanism and system of rural financial services. Last year, the Bank of Chongqing specially set up the Rural Revitalization working Group of the head Office, established a special responsibility, special assessment and special working mechanism, and issued the "opinions on the implementation of the" 14th five-year Plan "Financial support to consolidate and expand the achievements of Poverty Alleviation and comprehensively promote the Strategy of Rural Revitalization. We will increase the tilt of policies and resources from the aspects of credit process, credit authority, product research and development, resource tilt, staffing, assessment and incentive, cost arrangement, and due diligence, and strive to promote front-line employees to dare to lend, willing to lend, and able to lend.

Based on this, the Bank of Chongqing rural revitalization financial services efficient operation, effective landing, and around the new agricultural operators, rural innovative entrepreneurs, collective economic organizations and other key subjects, the construction of a rural revitalization financial product system with the characteristics of urban commercial banks.

By strengthening banking and political cooperation with government departments such as economic information, development and reform, agricultural and rural areas, and rural revitalization, the Bank of Chongqing actively uses products such as "two mountains and two modernized enterprises to help agricultural loans" and "rural revitalization youth loans" to promote the family farm cultivation plan, help to improve the quality of farmers' cooperatives, support the construction of a modern agricultural management system, and strive to promote the revitalization of rural industries.

Among them, many rural entrepreneurs have received real loan support. Mr. Zeng is a post-90s boy in Yongchuan District of Chongqing. after graduating from school, instead of going out to work like many of his peers, he chose to go back to the countryside to farm land and start his career in agricultural industry. In 2010, he began to grow tomatoes, transferred an area of more than 70 mu, built 50 vegetable greenhouses, formed a set of organic fertilizer ecological soilless cultivation techniques for growing small tomatoes, and registered trademarks, and the products are exported to Beijing, Shanghai, Sichuan, Hunan and other places.

Unexpectedly, a sudden gale worried Mr. Zeng. After raising funds to repair the blown greenhouse, the follow-up liquidity problem became a big problem in front of him. After the Bank of Chongqing learned about his situation, the customer manager immediately visited him, and after an in-depth understanding of his production, operation and financing needs, he tailored a financing plan for him and issued a 200000 yuan "Rural Revitalization Youth loan" for him as soon as possible. the term of the loan is 2 years, and the interest rate is only 4.5%.

"thanks to the strong support of the Bank of Chongqing, this loan has solved my urgent needs." Mr. Zeng said excitedly.

The Bank of Chongqing said that in the future, it will continue to focus on the key areas of rural revitalization, create a multi-category, characteristic and targeted financial product system, and establish a multi-level, wide coverage and sustainable financial service system, so as to provide stronger financial support for the promotion of high-quality and efficient agriculture, rural livable industry, and the affluence of farmers. (produced by thinking Finance) ■