[The "Rural Credit Power" in Epidemic Prevention and Control] Wuzhai Rural Commercial Bank: Business is not "offset" and the fight against the epidemic shows responsibility
Recently, due to the impact of the epidemic, Wuzhai County pressed the "pause button". Wuzhai Rural Commercial Bank strictly implements the epidemic prevention policies of provincial and municipal cooperatives and local party committees and governments. On the basis of doing a good job in epidemic prevention and control in the entire jurisdiction, it provides financial support to small and micro enterprises in the jurisdiction through efficient and rapid approval, and helps fight the epidemic prevention and control battle.
practices inclusive finance and helps small and micro enterprises overcome difficulties. The bank continues to increase its efforts to raise funds for small and micro enterprises in the fields of anti-epidemic supply, material production, circulation and transportation, continuously reduce customer financing costs, improve the ability of enterprises to serve , and implement support for small and micro enterprises and individual industrial and commercial households in every subtle link. During this period, the bank learned that Shanxi Chunye Animal Husbandry Development Co., Ltd. urgently needed 9.5 million yuan of procurement funds due to insufficient funds for breeding and purchasing raw materials, and responded quickly, actively arranged business and customer departments to connect, and efficiently completed the application, investigation and loan, which was highly recognized by customers. Up to now, the bank has issued more than 51 million yuan in inclusive loans.
strengthens technological empowerment to meet the financing needs of small and micro enterprises. The bank makes full use of the power and product advantages of financial technology , give full play to the fast and convenient characteristics of "Jinxiangdai" online financing products, effectively reduce the risk of personnel flow and epidemic transmission, connect with small and micro enterprises with financing needs one by one, guide them to handle online through "Jinxiang Life", mobile banking and other APPs, and use modern technological means to meet the financing needs of enterprises. Up to now, 353 Jinxiangdai have been granted a credit of 61.8585 million yuan, and 639 credits have been used, with a credit of 42.3033 million yuan.
helps enterprises to alleviate their difficulties and opens a green channel for small and micro enterprises. The bank classifies the measures to mitigate the risk of in accordance with the degree of impact of the epidemic in wholesale and retail, accommodation and catering, logistics and transportation. For some difficult enterprises, it reasonably adopts policies such as renewal loan , and sets up a green channel for loan approval in accordance with the principle of special handling and urgent handling of urgent matters to improve the efficiency of credit business processing and help enterprises overcome difficulties smoothly. During this period, the extension application was handled for Enbang Trading Co., Ltd., Wuzhai County, Longtai Coal Coking Co., Ltd., Wuzhai County Bolu Agricultural and Animal Husbandry Cooperative and Wuzhai County Juxin Agricultural and Sideline Products Purchase and Sales Farmers Professional Cooperative, involving an amount of 21.52 million yuan, which solved the company's urgent needs. Up to now, the bank has postponed the repayment of principal and interest, with an amount of 576 million yuan.
The epidemic is in the face of the epidemic, and the responsibility is on your shoulders. Wuzhai Rural Commercial Bank will continue to innovate financial products and service methods, continue to explore new business development models, fully consider what customers think, worry and hope, meet the financing needs of small and micro enterprises in special periods, and use practical actions to support the "bridge of connections" of financial guarantees of "no shortage of services, constant product, and no work to close", and contribute rural commercial wisdom to defeat the epidemic and adhere to the responsibility of rural commercial responsibilities. Source: Wuzhai Rural Commercial Bank Zhang Jiayuan Wan Zhengui
(Xinzhou Rural Credit Co., Ltd.)
