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前不久,河北省廊坊市大浩包装机械有限公司遭遇了一次“用钱荒”。“我们需要70万元购买原材料,资金周转出现了困难。幸好银行了解情况后,很快为我们办理了贷款。”该公司相关负责人张亚琴说。

原来,大浩包装机械公司是人民银行廊坊中心支行向工商银行廊坊分行推送的重点名单企业。银行在对名单内企业走访对接中,了解到企业存在资金需求,立即组织普惠业务部人员与张亚琴联系,为其办理了“e抵快贷”产品。

e抵快贷”是工商银行廊坊分行依托互联网金融,基于企业交易、资产、信用等多维度数据实现在线授信放款的贷款产品,小微企业从网上申请到资金入账全流程在5分钟之内,实现了“一触即贷、分秒到账”。今年以来,已有348家企业像大浩包装机械一样办理了“e抵快贷”,工商银行廊坊分行共计发放贷款4.6亿元

为提高金融服务实体经济发展的能力,廊坊先后出台了《廊坊市关于加强金融服务民营企业支持实体经济发展的若干政策措施》《关于进一步应对疫情影响促进中小微企业发展的若干措施》,推出设立信贷纾困资金等一系列硬举措,畅通金融服务实体经济、民营企业、小微企业的“血脉”。

同时,廊坊各金融机构运用金融科技手段增强中小微企业信贷投放和服务能力,推行信贷全流程线上服务,通过线上融资对接等形式,精简信贷办理手续,减少申请资料数量,缩短贷款审批时间,提升企业获得信贷便利度,实现让“数据多跑路,企业少跑腿”。

“我们发挥1.5亿元市级信贷纾困资金作用,通过贷款利率贴息的方式,引导信贷资源更多支持受疫情冲击较大的中小微企业和民营企业,帮助中小微企业渡过难关。”廊坊市地方金融监督管理局局长汪俊岭表示,今年,政府性融资担保机构将小微企业综合融资担保费率降至1%以下。同时,健全政银担风险分担机制,对融资担保公司与合作银行开展的中小微企业贷款业务发生损失的,按照风险补偿金、融资担保公司和银行2∶6∶2责任比例分担风险。

截至目前,廊坊全市金融机构累计支持956家企业复工复产,新投放企业贷款506.49亿元,为2054家企业、合计119亿元贷款延期还本,为2062家企业、2285笔合计127.03亿元贷款延期付息。

为畅通融资渠道,廊坊市还全面推动政银企精准对接,搭建银企合作桥梁。通过开展政银企对接周活动,目前累计发放贷款138.25亿元;通过发挥廊坊市中小企业贷款网上对接平台作用,助力银企开展线上沟通,1月至7月,网上对接平台共接收企业贷款申请3066笔。

来源:经济日报

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not long ago, Langfang DAHAO Packaging Machinery Co., Ltd. in Hebei Province encountered a "money shortage". "We need 700000 yuan to buy raw materials, and the capital turnover is difficult. Fortunately, after the bank got to know the situation, it quickly handled the loan for us. " Zhang Yaqin, the person in charge of the company, said.

it turns out that DAHAO Packaging Machinery Co., Ltd. is a key list enterprise pushed by Langfang Central Branch of the people's Bank of China to Langfang Branch of industrial and Commercial Bank of China. During the visit and docking of the listed enterprises, the bank learned that the enterprises had capital needs, and immediately organized the personnel of the inclusive business department to contact Zhang Yaqin, and handled the "e-Loan" products.

e fast loan " is a loan product of industrial and Commercial Bank of China Langfang Branch, relying on Internet finance, based on multi-dimensional data such as enterprise transactions, assets, credit and so on, to realize the "one touch loan, minute second payment" in the whole process from online application to fund entry of small and micro enterprises. Since this year, 348 enterprises have handled "e-Loan" like DAHAO packaging machinery. Langfang Branch of ICBC has issued a total of 460 million yuan .

in order to improve the ability of financial services for the development of the real economy, Langfang has issued a series of policies and measures to strengthen finance to serve private enterprises and support the development of the real economy, some measures to further cope with the impact of the epidemic and promote the development of small and medium-sized enterprises , and launched a series of measures such as the establishment of credit relief funds Measures to smooth the financial services of the real economy, private enterprises, small and micro enterprises.

at the same time, various financial institutions in Langfang used financial technology means to enhance the credit supply and service ability of small and medium-sized enterprises, promote the whole process of online credit services, streamline the credit processing procedures, reduce the number of application materials, shorten the loan approval time, improve the convenience of enterprises to obtain credit, and realize the goal of "more data, less enterprises" Running errands. ".

"we play the role of 150 million yuan of municipal credit relief funds, guide credit resources to more support the small and medium-sized and micro enterprises and private enterprises that are greatly impacted by the epidemic situation, and help them tide over the difficulties through the discount of loan interest rate Wang Junling, director of the local financial supervision and Administration Bureau of Langfang City, said that this year, government financing guarantee institutions will reduce the comprehensive financing guarantee rate of small and micro enterprises to less than 1%. At the same time, we should improve the risk sharing mechanism of government, bank and bank. In case of losses in the loan business of small and medium-sized enterprises carried out by the financing guarantee company and the cooperative bank, the risk shall be shared according to the risk compensation, the responsibility ratio of the financing guarantee company and the Bank of 2:6:2.

up to now, the financial institutions in Langfang have supported 956 enterprises to resume their work and production, with 50.649 billion yuan of new enterprise loans, 2054 enterprises with a total of 11.9 billion yuan of loan deferred repayment, 2062 enterprises and 2285 loans with a total of 12.703 billion yuan of deferred interest payment.

in order to smooth the financing channels, Langfang city has also comprehensively promoted the precise docking of government, bank and enterprise, and built a bridge of bank enterprise cooperation. At present, a total of 13.825 billion yuan of loans have been issued through the government bank enterprise docking week; through the role of Langfang small and medium-sized enterprise loan online docking platform, banks and enterprises have been helped to carry out online communication. From January to July, the online docking platform received 3066 enterprise loan applications.

Source: Economic Daily