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自贡农商银行多措并举助力小微企业

2020-07-28 08:10:47    来源:   作者:黄慧君 孙茂硕  点击数:

自新冠肺炎疫情发生以来,四川农信自贡农商银行深入贯彻党中央国务院、省委省政府及省联社党委决策部署,充分发挥地方金融主力军银行战疫情、促发展的积极作用,用好货币工具,用足信贷政策,因时因地打出“利率优惠、延期还本、调整付息、产品定制、快速办贷”的金融战“疫”组合拳,全方位助力小微企业复工复产,与地方企业守望相助、共克时艰,全力以赴做好“六稳”工作、落实“六保”任务。

大力推广“战疫贷”,为稳产保供“输血”。抢抓“战疫贷”业务窗口期,快速摸排复工复产、春耕春种、畜禽养殖急需资金,以及吸纳就业能力较强的小微企业,通过广泛宣传、严格甄别,向135户普惠小微企业发放“战疫贷”2.9亿元。向86户小微企业和新型农业经营主体发放支农、支小再贷款1.55亿元。以上业务,弥补了小微产品价格短板,预计将为普惠小微企业让利1200万元,为稳产保供注入了金融力量,发挥了稳经济、稳预期的重要作用。

做好延期还本付息,为复工复产“减压”。积极落实关于进一步对中小微企业贷款实施阶段性延期还本付息工作要求,逐户摸底调查,简化办理手续,提高响应效率,在有效防控风险的基础上,对符合国家产业政策及行业信贷政策、提出延期还本付息申请的普惠小微贷款做到“应延尽延”。截至目前,已执行普惠小微贷款阶段性延期还本付息共149户、2.5亿元。预计到年底将办理普惠小微贷款本金延期806户、金额11亿元。

坚持让利小微企业,为纾困复苏“蓄力”。综合采取变更结息频率、展期、续贷、借新还旧、重组等对受困小微企业予以纾困,且在转贷时利率均下调10%。截至6月末,累计为疫情受困客户降息149户、金额 4.2亿,合同期降息达912万元。在“增量”“扩面”“提质”“降本”上持续用力,适度增加信用贷款、提高首贷率、降低利率,并单列普惠小微业务目标、提高普惠小微考核权重,通过机制撬动,提升小微企业覆盖面和获得感。截至6月末,普惠小微贷款余额为56亿元,较年初增长6亿元、增幅12.19%,高于各项贷款增速0.17个百分点。同时,避免企业贷款到期后借用过桥资金或占用企业流动资金,办理无还本续贷106户、8.29亿元,预计到年底将为企业降低融资成本2500万元。

 

加大金融产品创新,为融资难题“解锁”。在原有的“农担贷”“提升贷”等产品基础上,陆续推出“随商贷”“卡贷通”“地摊好贷”等信贷产品,发放以上创新产品贷款2.22亿元,有效支持了无抵押物、复产复商急需资金的小微企业116户、农户和个体工商户1120户。对受疫情影响、暂遇困难的彩灯文化旅游行业发放“彩灯文化贷”8笔、6010万元,并向彩灯商会企业授信5亿元,做地方重要产业的坚强后盾。同时,从服务好疫情防控和地方经济社会发展大局出发,为防“疫”企业开辟“绿色通道”,特事特办、急事急办,如两天内向支持武汉雷神山医院建设的威鹏电缆增加贷款1000万元、利率执行“LPR定价+0基点”的,累计为7户防“疫”企业提供产能扩大信贷资金9680万元,为各级医疗、卫生及防疫单位提供信贷支持2.47亿元。

截至2020年6月末,自贡农商银行各项贷款余额141亿元,较年初净增10.63亿元,较去年同期多增4.95亿元,预计到2020年底将为复工复产小微企业让利7000万元,到2021年6月底预计让利将达1.5亿元。通过持续加大对战疫复产的融资对接和降息让利,既培植了一批有基础、有实力、有前景的优质客户,促进了地方经济恢复发展,也赢得了党委、政府和社会各界的高度评价,彰显了地方金融主力军银行的作为和担当。下一步,自贡农商银行将继续提高政治站位,抓实抓细纾困帮扶,加大加快信贷投放,全力以赴助力地方经济发展,以实际行动书写“四川农信,四川人民自己的银行”。 

(自贡农商银行 黄慧君 孙茂硕)

 

责任编辑:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor7319.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#305] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more