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工商银行北京市分行 全方位推进普惠金融业务发展
2017-08-10 16:48:36 中国青年网
服务“小微” 助力“三农”
工商银行北京市分行
全方位推进普惠金融业务发展
中国工商银行北京市分行高度重视普惠金融发展,自党的十八大以来,该行通过支持小微金融、“三农”经济、提升金融服务覆盖面和便捷度等措施,践行普惠金融理念,切实履行大型国有银行社会责任。
打造独具特色小微金融服务体系
据了解,工行北京分行打造了具有“普惠金融、易融易贷、灵活快捷”特色的小微金融服务体系,推出小微金融服务品牌“工银融e贷”,将小微金融产品与小微企业发展生命周期相匹配,与小微企业相伴启程、成长、发展、腾飞。此外,工行北京分行发挥其大行资金价格优势,为小微企业提供不高于同行的最优惠利率价格,同时免除小微企业除利息之外的其他所有融资性费用,并与中关村管委会、北京市科委、北京市经信委等签署多项合作协议,协助政府将各项补贴政策细化落地。截至2017年6月末,工行北京分行监管口径小微贷款余额、净增额均在北京地区五大行排名第一。工行北京分行服务的小微企业客户接近24万户,全市覆盖率达65%以上,10余年累计向小微企业投放贷款超2000亿元,支持北京近200万就业岗位。工行北京市分行支持的小微企业中,已有50户小企业成长壮大为中型客户,近150户企业在各级资本市场实现上市。
创新模式加强“三农”金融支持力度
为促进农村经济转型升级做贡献,支持农村集体经营性建设用地入市试点,工商银行高度重视、制订下发系列配套政策。北京分行认真组织试点工作推动落实,在有效控制风险基础上、积极探索创新,合理掌握营销及审批尺度,把握好国家改革试点、监管政策和商业可持续性间的关系,积极满足试点过程中的融资需求,完成首单融资支持大兴区农村集体经营性建设用地入市试点项目,通过金融服务解决政府在建设用地入市试点实践道路上的资金缺口问题。工行北京分行积极探索“互联网+”新模式助力三农企业融资,提升三农企业融资便利性,为全国棉花交易市场量身打造的“棉贸通电子供应链融资”产品,实现了棉贸通业务的互联网化。截至2017年6月,工行北京分行已为五百户棉贸通客户累计提供资金支持超过100亿元,其中网络融资占比接近50%。此外,该行创新与融资性担保机构合作模式,解决涉农小微企业缺乏抵押物的融资困境,为农业新业态供有效金融服务,近年来累计发放涉农贷款超过700亿元。
着力提高金融服务覆盖面和便捷度
工行北京分行开展厅堂服务专项改进,进一步提升厅堂服务管理能力,完善网点服务流程及服务话术,制定大堂团队服务手册,规范服务标准、补位规则、沟通机制、标准化话术等。该行加强物理网点及自助(智能)服务,网点分布在北京四大行占比34%,位居第一;近年在昌平、通州、顺义、大兴等城乡结合部及朝阳、海淀、丰台等辖内新兴商圈,增加网点投入,累计建设网点50家,金融服务覆盖面及营销服务能力进一步增强。
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