"Focus on the main responsibilities and business of finance and devote themselves to serving the real economy" series of reports:
Core tips: The report of the 20th National Congress of the Communist Party of China proposes to insist on focusing on the development of the economy. As the largest local financial institution in Chongqing and a "main bank" for serving the real economy, Chongqing Rural Commercial Bank (referred to as " Chongqing Rural Commercial Bank ") conscientiously studied and implemented the spirit of the 20th National Congress of the Communist Party of China, always adhered to the market positioning of "serving the 'three rural areas', serving small and medium-sized enterprises, and serving county economies", actively fulfilled the responsibilities of municipal finance and state-owned enterprises, insisted on focusing on the real economy, focusing on key areas and weak links of the real economy, effectively give full play to the advantages of outlets, channels, personnel, products, innovation, etc., build a long-term service mechanism, continue to tilt financial resources, increase effective financial supply, and strive to lead the "live water" of finance to the real economy, help accelerate the construction of a new development pattern.
Chongqing Rural Commercial Bank resolutely implements the decisions and arrangements of the Party Central Committee, the State Council, the Municipal Party Committee and the Municipal Government on supporting the real economy, conscientiously implements the relevant work requirements of the People's Bank of China Chongqing Business Management Department, Chongqing Banking and Insurance Regulatory Bureau and other superior departments, continuously improves the level of financial services supply, docks the financing needs of private and small and medium-sized enterprises, and takes multiple measures to stimulate the development vitality of market entities. As of the end of September 2022, the number of inclusive small and micro enterprise loans for Chongqing Rural Commercial Bank exceeded 170,000, with a balance exceeding 109 billion yuan, accounting for about 1/4 of the city.
woven a tight service network and continuously expand the coverage of inclusive finance
On the one hand, it creates an exclusive service mechanism. In recent years, Chongqing Rural Commercial Bank has effectively leveraged its advantages in professional operation and established single inclusive financial lines to create a "five specialized" mechanism for specialized lines, exclusive products, exclusive processes, full-time teams, and special assessments, and provides comprehensive financial services. At present, the bank has established nearly 900 exclusive loan agencies for small and micro enterprises, allocated nearly 2,000 small and micro account managers, established 17 small and micro enterprise special branches, and created more than 70 financial service ports for private small and micro enterprises and individual industrial and commercial households, effectively building a multi-level small and medium-sized financial service network covering the entire city.
The picture shows staff of Chongqing Rural Commercial Bank explaining financial policies and credit products to customers in the Financial Service Harbor
On the other hand, they carry out normal financing docking. Chongqing Rural Commercial Bank fully utilizes the traditional advantages of "familiar people, familiar land, and familiar regional conditions", and regularly carries out the "five-in" actions of parks, markets, business districts, buildings, and villages, visits all kinds of market entities, investigates financing needs, delivers policies, products, and services to the door, and continuously expands the coverage of inclusive financial services. At the same time, we vigorously carry out the "full-Yu Code Mapping" campaign, promote the "Changjiang Yurongtong" and " Xinyidai ·Yuhuirong" loan application QR codes, open up corporate loan application channels, quickly respond and accurately match financing needs.
customized exclusive products, continuously enhancing the sense of gain of financial services
On the one hand, we have launched customized credit product . In recent years, Chongqing Rural Commercial Bank has tailored more than 30 small and micro enterprises and individual industrial and commercial households to fully meet the differentiated financial needs of market entities in different industries, types and development stages.
For example, special relief products such as "truck loan", "catering loan" and "supermarket loan" are innovatively launched for difficult industries such as freight logistics, accommodation and catering, wholesale and retail. We have launched products such as "Technology Growth Loan" and "Technology-based Enterprise Knowledge Value Credit Loan" for science and technology enterprises. This year, we have issued loans of more than 5.1 billion yuan to nearly 500 small and micro enterprises. Products such as "House Quick Loan", "Personal Business Loan", and "Entrepreneurship Guarantee Loan" are launched for individual industrial and commercial households, supporting more than 150,000 individual industrial and commercial households with a balance of nearly 80 billion yuan, and entrepreneurial guarantee loans account for more than 80% of the city.
Chongqing Rural Commercial Bank supports the development of specialized and innovative enterprises. The picture shows a corner of the workshop of Chongqing Wei'an Tester Manufacturing Co., Ltd. supported by the bank
On the other hand, it creates an intelligent loan processing process. focuses on the empowerment of financial technology , deeply promote the integrated development of "online + offline", fully expand convenient channels such as online banking, mobile banking, and WeChat banking, and further enhance the online and intelligent level of financial services. For example, the bank pioneered the service functions of "cloud signing", "self-service mortgage", "self-service renewal " in the city, and took the lead in realizing business processes such as online signing of credit texts, online real estate mortgage registration, and online renewal . At present, the bank's online loan replacement rate for small and micro loans has reached 93%, and the online loan renewal replacement rate has reached 97%, and the financial service efficiency of small and micro enterprises has continued to improve.
Focus on helping enterprises alleviate their difficulties, and strive to help market entities overcome difficulties. Chongqing Rural Commercial Bank conscientiously practices the responsibilities of local finance and state-owned enterprises. It has specially formulated and issued 26 inclusive financial assistance measures, mainly covering the docking of financing needs, innovative use of special products, increasing credit supply, reducing fees and cost-reducing enterprises and the people, taking multiple measures to help enterprises alleviate their difficulties, and devotes its efforts to serve rural revitalization, actively helping market entities, stabilize employment and entrepreneurship, and stabilize economic growth.
The picture shows Chongqing Rural Commercial Bank staff guiding customers to apply for "Yukuai Zhenxing Catering Loan" online through the bank's mobile banking
, and establish a mechanism for postponing repayment. actively connects with existing mature loan customers, publicizes policies to help enterprises alleviate difficulties, and actively supports enterprises to overcome difficulties through loan renewal without repayment, adjusting repayment plans, etc., and strive to extend the repayment as much as possible for borrowers who have difficulties in repayment due to the epidemic and need to postpone their repayment. It is reported that the bank has implemented relief policies such as postponing principal and interest repayment and renewal of loans for 100,000 small and medium-sized enterprises, with a loan balance of 73.7 billion yuan.
On the other hand, implement measures to reduce fees and concessions. formulates special interest rate pricing preferential policies for loans to small and micro enterprises and individual industrial and commercial households, and overall lowers the interest rate level. This year, the weighted average interest rate of newly issued inclusive small and micro loans has dropped again compared with the previous year. Actively bear the fees for assessment fees, mortgage registration fees, notarization fees, etc., and reduce and exempt 20 service charges in eight aspects, including account services for small and micro enterprises and individual industrial and commercial households, RMB settlement, electronic banking, and merchant collection. This year, the total payment handling fee for small and micro enterprises and individual industrial and commercial households has been reduced by more than 180 million yuan, further reducing the operating costs of market entities.
Looking forward to the future, Chongqing Rural Commercial Bank will take the spirit of the 20th National Congress of the Communist Party of China as its guide and focus on supporting small and medium-sized enterprises and individual industrial and commercial households, strive to improve quality and efficiency, tap potential and empower potential, and help small and micro market entities overcome difficulties, develop steadily, and revitalize new vitality.
First, we will deepen the empowerment of small and micro financial services in technology. Accelerate the digital transformation of small and micro financial services , build a small and micro AI intelligent work platform, further improve the online and intelligent level of the entire process of small and micro business, and enhance the convenience and sense of gain of small and micro customers in loan handling. The second is to comprehensively promote the expansion and incremental action of small and micro loans. Strengthen the connection between market entities' visits and financing needs, create a comprehensive financing service plan, increase credit investment in key areas such as manufacturing, modern service industry, and strategic emerging industries, promote the active credit model, and drive individual industrial and commercial households to "increase in volume and expand in scope" and inclusive small and micro loans to achieve "two increases". The third is to continue to promote relief and assistance measures for market entities. Increase the promotion and use of special financing and relief products and services, continue preferential policies for small and micro loan interest rates, consolidate the effectiveness of fee reduction and concession, implement the policy of postponing principal and interest repayment, and actively provide postponement support to market entities with demand for postponement to help them overcome difficulties and achieve high-quality development.
Disclaimer: This article is for reference only and does not constitute investment advice.
