Editor's note:
strives to be the forefront of the trend and be the pioneer of innovation. Since the 18th National Congress of the Communist Party of China, Shantou's banking and insurance industries have broken through barriers and activated their vitality, deepened the supply-side structural reform of , and achieved good results in the battle to prevent and resolve financial risks. They have kept up with the national development strategy and integrated into the overall local development situation, and achieved rapid development on their own while promoting a virtuous cycle of the national economy.
According to statistics, the scale of Shantou's banking industry increased from 224.3 billion yuan in 2012 to 676.5 billion yuan in 2021, an increase of 2.02 times; various loans and deposits increased by 2.29 times and 1.18 times respectively. The insurance industry's premium income increased by 1.54 times, and the compensation expenditure increased by 2.12 times. At the end of 2021, the insurance density was 2,225 yuan/person and the insurance depth was 4.20%, an increase of 1,310 yuan/person and an increase of 0.39 percentage points compared with 2012 respectively. (
combined with Chaoshan local characteristics. Shantou Banking and Insurance Regulatory Bureau created a batch of products and services to support the development of regional agricultural industry. The live mortgage loan of meat goose and dragon fruit "traceability + insurance" has formed a demonstration nationwide. The "combination mortgage + insurance policy increase credit" loans and pre-made vegetables export freight insurance are at the forefront of the province, gnawing the "hard bones" of the reform of rural credit cooperatives, and promoting the leapfrog development of legal person city commercial banks... forming a batch of replicable and popularizable "Shantou experience". Recently, Guo Dabo, director of the Shantou Banking and Insurance Regulatory Bureau, was interviewed by a reporter from Southern Daily , decoding the breakthrough work of banking and insurance institutions under his jurisdiction over the past ten years, and breaking the "Shantou practices" of convenient and innovative financial services.
, director of the Shantou Banking and Insurance Regulatory Bureau.
Southern Daily: Over the past ten years, what breakthrough work has the Shantou Banking and Insurance Regulatory Bureau guided the banking and insurance institutions under its jurisdiction achieved? What measures have been taken to improve the convenience of financial services, and how are the results?
Guo Dabo: 10 years, Shantou's economy has accelerated its development, and the business environment has continued to improve. Taking advantage of the east wind of the new era, we practice the political and people-oriented nature of financial work, implement the innovation-driven development strategy , and continuously improve the people's sense of financial gain and enhance the convenience of financial services. The specific work can be summarized in three words: one word "real" is to the end, and strive to solve the problem of financing information asymmetry. We jointly developed the first online financial service docking WeChat mini program "Shanjin Huiqitong", in the province. Realize corporate financial needs to reach banks and insurance institutions with one click, and the total loan docking amount was 1.353 billion yuan, and the insurance insured amount was 456 million yuan. The word "dry" is in full swing, and it is all about creating a new model of financial services. We promote the spirit of Special Zone , which is brave enough to dare to explore, dare to be the first, and work hard, and vigorously promote financial innovation. In recent years, we have made many breakthroughs in the first business of the country and the province. For example, the first live meat goose mortgage loan in the country, the first dragon fruit "traceability + insurance", the first live pig breeding "combination mortgage + insurance policy increase credit" loan in the province, and the first pre-made vegetable export freight insurance in the province, etc. have been successively implemented in Shantou. The word "people" is in mind, helping to improve people's livelihood and welfare financial guarantee. Promote the implementation of Shantou's urban customized commercial supplementary medical insurance , Shantou's "benefit and people's insurance" and the number of insured people More than 700,000 people. It was the first to launch the care insurance for elderly severely disabled elderly people in the east and west Guangdong. With the combination of "insurance + service" and "care + nursing" medical and nursing, it provides care services for elderly disabled elderly people. The first batch of elderly people received subsidies for elderly long-term care insurance, each person is about 500 yuan per month.
It is worth mentioning that in the results of key work, we have taken advantage of the reform of the rural credit cooperatives. Hard bones. On November 21, 2020, Shantou Bay Rural Commercial Bank, which was restructured and formed by Shante League, was officially listed, marking the successful leap of the last second-level legal person rural credit cooperative in the country, rural commercial bank , and solved this risk problem that was lagging behind the reform of rural credit cooperatives in the province for 15 years and has been unresolved for a long time. Chenghai Rural Commercial Bank and Chaoyang Rural Commercial Bank also opened one after another in 2020, successfully completing the restructuring.At the same time, we have promoted the leapfrog development of legal person urban commercial banks. In the ten years since the restructuring and opening of Guangdong Huaxing Bank, , has established 11 first-level branches in major cities in Guangdong Province. The scale of assets, liabilities and profits have increased by 22 times, 31 times and 300 times respectively, and the asset scale has increased to 382.7 billion yuan. In the first half of 2022, it ranked 35th among urban commercial banks in the country. The non-performing loan ratio of is better than the average level of urban commercial banks in the country, gradually returning to market positioning, actively connecting with local economic development financial needs, issuing green financial bonds, small and micro special bonds, etc., actively moving towards high-quality development, and strongly supporting local economic development.
Southern Daily: Shantou has been proposing to build a city with a strong industry" for more than a year. How has the Shantou Banking and Insurance Regulatory Bureau guided the banking and insurance institutions under its jurisdiction to do a good job in financial support for industrial development and help strengthen the city with an industry?
Guo Dabo: Over the past year, we have thoroughly implemented the work arrangements of the Party Committee of the Guangdong Banking and Insurance Regulatory Bureau, the Shantou Municipal Party Committee and Municipal Government, and supported Shantou with the "three outstanding" to follow the path of "building a city in industry and strengthening the city in industry".
First of all, we highlighted the strengthening of policy guidance. We jointly issued documents such as "Several Measures on Financial Support for "Industry Building a City, Industry Strengthening a City"" and proposed 15 measures to increase the transmission of regulatory guidance through discussions, visits and other methods, and led banks and insurance institutions to increase financial supply. At the end of July, the balance of manufacturing loans under its jurisdiction was 45.623 billion yuan, an increase of 9.23% year-on-year; the balance of loans supported by the "three new, two special and one major" in Shantou was 43.112 billion yuan, an increase of 7.25% from the beginning of the year.
Secondly, we highlight the strengthening of demand docking. We have promoted the Municipal Banking Association, Municipal Insurance Industry Association and e-commerce, textiles, and pharmaceutical associations (chamber of commerce) to sign multi-party cooperation agreements to build a financial service docking platform for banking, insurance and enterprises. A financing matchmaking meeting for key projects in 2022 was organized to accelerate the transformation of cooperation between "government, bank and enterprise", and support 63 municipal key projects in 2022, with a loan balance of 21.089 billion yuan; insurance institutions provided 23.6 billion yuan in risk protection for major projects such as infrastructure construction, an increase of 16.73% year-on-year.
finally highlights support for optimizing the business environment. We have joined hands with the Municipal Intermediate People's Court and other departments to establish a linkage and cooperation mechanism between financial supervision and judicial affairs, strengthen mediation of non-litigation disputes, and establish a professional financial trial team of second-level courts to crack down on illegal and irregular behaviors in the industry, increase deterrence, and continuously optimize the financial ecological environment; continue to promote the crackdown on debt evasion, and use the power of public security, procuratorial and judicial system to purify the financial credit environment.
Southern Daily: Since the beginning of the stage, what specific support measures have the Shantou Banking and Insurance Regulatory Bureau have had in the Chaoshan characteristic industries?
Guo Dabo: Textile and clothing and toy creativity are the main characteristic industries in Shantou, and Lion Head Goose is a local agricultural characteristic brand in Chenghai District, Shantou City. In the stage, we will implement precise policies in accordance with the deployment of the 12th Municipal Party Congress and the 2022 work report of the Municipal Government, and fully support the healthy and healthy development of Shantou's characteristic industries. In the past five years, banking institutions have supported more than 220 municipal key projects with a loan balance of 21.1 billion yuan; insurance institutions have provided a total of 31.4 billion yuan in risk protection for major projects.
We provide special credit, and banking institutions provide special credit of 15 billion yuan for the textile and garment industry, helping the high-quality development of the textile and garment industry. The Municipal Banking Association, the Municipal Insurance Industry Association, the Shantou Local Finance Association and the Chenghai Toy Association signed a four-party cooperation agreement. 12 Chinese-funded banking institutions in Shantou collectively granted 27.5 billion yuan in credit to toy companies, supporting the intensive and innovative development of the toy industry in Chenghai District. Four banking institutions and two insurance institutions under their jurisdiction have joined the Shantou Lion Head Goose Industry Association to provide the lion head goose industry with a credit amount of 1 billion yuan and an insurance guarantee of 10 million yuan, strengthening the financial support for the development of the lion head goose industry chain.
also created special products, encouraging and supporting banking and insurance institutions to combine the development characteristics of textile and clothing, toy creativity, and lion-headed goose industries, and innovatively launched financial products such as "textile credit loan", "environmental pollution liability insurance", "toy exhibitor custom loan", and "lion-headed goose loan" to better meet the financial needs of characteristic industries. Among them, "Lion Head Goose Loan" is an operating loan issued to various business entities engaged in lion head goose seedling cultivation, breeding, slaughtering, and sales. The maximum amount is 5 million yuan, and the annualized interest rate can be as low as 4.5%.At present, the cumulative loans of "Lion Head Goose Loan" have exceeded 10 million yuan.
also held a special docking project to promote 33 banking and insurance institutions under their jurisdiction to participate in the first "China Chaoshan International Textile and Clothing Expo", and use the cooperation model of "policy support + association building platform + financial support" to help build a textile and clothing industry cluster of more than 200 billion yuan. Guide the Municipal Banking Association to rely on the "hundred banks to enter 100 enterprises" to deepen the multi-faceted docking and exchanges between government, banking, insurance and enterprises, and focus on understanding the financing and insurance protection needs of toy companies. We have promoted the three banking institutions under our jurisdiction to actively connect with the enterprises of the Shitou Goose Industrial Park. In the past three years, we have invested a total of 6.3 million yuan in loans to enterprises, and supported the enterprises to build the "Chenghai Shitou Goose Industry Central Kitchen Supply Chain Standardized Production Center" braised automation production workshop, achieving a 10-fold increase in the daily production of braised lion Goose.
Southern Daily: Under the epidemic prevention and control situation, under the pressure of stabilizing growth, what specific work has the Shantou Banking and Insurance Regulatory Bureau carried out in urging banking and insurance institutions to increase support for the "six stability" and "six guarantees"? How effective are it?
Guo Dabo: The banking and insurance industries under the jurisdiction of implement the requirements of "six stability" and "six guarantees", adhere to the overall goal and general direction of serving the real economy, continuously improve financial service capabilities and levels, and effectively promote the high-quality development of the local economy. During the epidemic, banking institutions extended payments for principal and interest of 1,983 loans and 8.68 billion yuan, and the insurance industry under its jurisdiction provided a total of 12.342 billion yuan in risk protection to 769 enterprises, demonstrating financial responsibility. We have taken a series of financial measures to help enterprises alleviate difficulties, especially since 2022, we have further taken the initiative and made efforts to focus on issuing 8 financial policy documents to help enterprises alleviate difficulties. Establish a supervision mechanism for visits and supervision of leadership team members, promote the implementation of a package of policies and measures to stabilize the economy, and fully support the stabilization of the economy.
has made efforts in "blood transfusion" to encourage and guide banking institutions to meet the reasonable and effective credit needs of industries temporarily in trouble due to the epidemic in a timely manner. This year, more than 6 billion yuan of loans have been issued to industries severely affected by the epidemic, with a total of 3,975 households. The banking industry has extended the principal and interest of 1,616 loans with an amount of 2.065 billion yuan. The insurance industry under its jurisdiction provides a total of 11.613 billion yuan in risk protection to 1,118 enterprises through business interruption insurance and employer liability insurance. We will make efforts to "reduce the burden", strengthen the window guidance for , guide bank institutions to standardize financing fees, and actively reduce interest rates. At the end of July, the average interest rate of inclusive small and micro enterprises loans under its jurisdiction was 5.32%, a decrease of 0.52 percentage points from the beginning of the year, and the comprehensive financing cost of small and micro enterprises decreased by 0.91 percentage points from the beginning of the year, and the weighted average interest rate of newly issued enterprise loans in the city decreased by 0.24 percentage points from the beginning of the year. We will make efforts in "propaganda", guide the Municipal Banking Association and the Municipal Insurance Industry Association to produce tweets on the 5th phase of financial support for economic stabilization policies, 436 special financial products for economic stabilization in three phases, and publish them through the association's WeChat official account and the "Shanjin Huiqitong" platform to increase the publicity of financial welfare policies.
[Reporter] Wu Liting
Click on the picture, report the information with one click ↓↓↓
[Author] Wu Liting; Xiao Qiao
[Source] Southern Media Group Southern + Client
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