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金华农信:重塑良好金融发展环境 助力实体经济健康发展

2017-08-04 07:46:48   中国青年网

7月闭幕的全国金融工作会议强调,要让金融回归本源,把服务实体经济作为金融工作的出发点和落脚点。为积极深入贯彻落实全国金融工作会议精神,金华农信坚持以服务金华经济发展为重任,通过加大信贷投放、降低企业成本、化解“两链”风险等方式,为金华塑造良好金融环境,助推实体经济持续健康发展。

今年以来,金华农信认真落实金华银监分局“提升风险管理合力、提升服务实体经济能力”活动部署,聚焦实体经济发展,确立了“回归服务实体经济”的信贷投放思路,向中国人民银行金华市中心支行积极争取贷款,加大对传统产业转型升级、新兴产业、先进制造业、现代服务业、小微企业等领域的信贷投放。金华农信通过充分发挥信贷杠杆作用,着力优化产业产品结构,支持去产能、去杠杆,减少高杠杆企业债务性融资,坚定不移地推进“僵尸企业”市场出清,切实提高金融服务对实体经济的支持力度。上半年,金华农信的贷款投放比去年同期增长1倍以上,达64.30亿元,其中涉农贷款、小微企业贷款分别比年初增加58.98亿元、31.04亿元。在对实体经济的金融支持中,金华农信贡献了重要力量。

金华农信通过开展“一街一村”走访活动,“一把手”带队入村入企了解小微企业新特点、新变化,充分挖掘贷款需求以及困难点。通过免收费、降低利率、加快贷款周转速度、创新产品等一系列措施,尽可能让利给小微企业,为其提供优质高效的金融服务。目前,已经创新推出林权质押贷款、商标质押贷款、拍易贷等20多个针对小微企业的金融产品。今年推出的“好家风”信用贷款更是作为典型被金华市政府、人行在全市进行推广。同时创新服务方式,运用科技优化服务渠道,全面开通网银、手机银行、微信三类申贷渠道,进一步优化“客户在家申请、贷款服务上门”模式。让客户“多跑网路、少跑马路”,提升服务渠道的智能化和便捷度。

为了能够更有效的帮助企业化解“两链”风险,金华农信针对困难企业给予延长贷款期限、实施利率优惠、简化担保方式等优惠政策。对付息能力较差,但能化解转贷危机的企业,实行利息挂账分期归还或利随本清。另一方面不断强化不良贷款管理,提升风险管控能力。通过实行大额不良贷款清收领办制,逐笔分析情况,明确处置计划,对隐性不良贷款实行清单制管理,借助政府、人行、银监等相关部门力量,积极稳妥化解“两链”风险。

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