Author丨Gao Huichao
Edit丨Wu Rong
Picture Source丨21st Century Business Herald Liang Yuanhao Photo
September 23, a reporter from Southern Finance and Economics learned from the People's Bank of China Foshan Central Branch that as of the end of August, the balance of deposits and loans in various domestic and foreign currencies in Foshan was 2.27 trillion yuan and 1.76 trillion yuan respectively, an increase of 13.47% and 10.38% year-on-year, continuing the trend of high growth, among which inclusive and technology loans grew rapidly. Against the backdrop of increasing downward pressure on the economy, the banking industry in Foshan continues to increase its financial relief efforts and uses a variety of financial tools to help the industry develop with high quality.
Since the beginning of this year, due to the spread of the epidemic, the high prices of raw materials, and international marginal political conflicts, the downward pressure on the economy has increased, and many companies have been under pressure for cash flow. Foshan's banking industry continues to increase financial relief to enterprises in various industries and help enterprises effectively respond to the impacts of all parties.
1-August, Foshan banking institutions handled a loan principal and interest of 71.644 billion yuan for 18,000 market entities, with the amount of extension increasing by 40.96% year-on-year, greatly alleviating the pressure on loan repayment of enterprises in difficulty. htmlIn August, the weighted average interest rate of newly issued corporate loans by financial institutions in Foshan City fell by 48 basis points year-on-year. From January to August, Foshan's corporate financing costs decreased by 1.766 billion yuan, and the corporate financing burden further reduced. Although
is a major manufacturing market, Foshan enterprises are still mainly small and medium-sized private enterprises, and their own hematopoietic functions are weak. Therefore, Foshan banking institutions continue to increase their credit supply in key areas and weak links. htmlAt the end of August, the balance of general small and micro, manufacturing and infrastructure loans in Foshan increased by 27.76%, 16.22% and 14.03% year-on-year respectively. From January to August, Foshan Bank used the inclusive small and micro loan support tool to support legal person banks to issue 7.268 billion yuan in loans to inclusive small and micro enterprises.
Expanding more "first loan accounts" to "transfusion of blood and oxygen supply" to small and medium-sized enterprises is also one of the key tasks this year. In March this year, the Foshan Branch of the People's Bank of China took the lead in issuing the "Ten Thousand Enterprises and Solve Problems" Special Action Plan for Financial Warming Enterprises", supervising bank institutions under their jurisdiction to carry out special visits to 245,000 loan-free enterprises, and promoting banks to dare to lend, willing to lend, and able to lend. In July this year, Foshan issued the "Foshan City Work Plan to Build a Full-chain Financial Service System for First Loans", comprehensively building a Full-chain System for First Loans. As of the end of August, Foshan City’s banking institutions visited 170,400 enterprises and successfully granted a credit of 54.036 billion yuan, of which 2,396 first-time lenders were successfully connected and 13.329 billion yuan was credited. In addition to helping enterprises alleviate their difficulties, In the context of my country's current economy turning to high-quality development, Foshan's banking industry is also actively using financial tools to promote industrial innovation and green development.
In April this year, the People's Bank of China established a science and technology innovation re-loan, which specifically supports financial institutions to issue loans to technology enterprises. The support scope includes high-tech enterprises, " specialized and innovative " small and medium-sized enterprises, national technology innovation demonstration enterprises, manufacturing single champion enterprises, etc. At present, the Foshan Central Branch of the People's Bank of China has organized banks to accurately connect with 8,441 technology innovation enterprises. As of the end of the second quarter, the loan balance of high-tech enterprises in Foshan City increased by 28.2% year-on-year.
finance has also achieved significant results in helping energy conservation and carbon reduction. In November 2021, the People's Bank of China created the carbon emission reduction support tool to support qualified financial institutions to provide preferential interest rate loans for projects with significant carbon emission reduction effects in key areas of carbon emission reduction. As of the end of August, banking institutions under Foshan used carbon emission reduction support tools to issue preferential interest rate loans of 1.41 billion yuan for carbon emission reduction projects, which is expected to reduce carbon dioxide emissions by 434,300 tons; and used coal to use special re-loans to issue preferential interest rate loans of 338 million yuan.
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Editor of this issue Li Yutong Intern Luo Xinyu
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