【川報觀察】“不抽貸、不斷貸、不壓貸”——峨眉山農(nóng)商銀行支持文旅產(chǎn)業(yè)復(fù)工復(fù)產(chǎn)
2020-04-22 11:00:53
來源：
作者： 點擊數(shù)：
人力資源報 2020-04-20 18:52
“真沒想到，150萬元的貸款竟能如此快速到賬，讓我們獲得了寶貴的復(fù)工啟動資金，真是‘及時雨’啊。”峨眉山市靈秀印象酒店負責(zé)人激動地說。據(jù)了解，峨眉山市靈秀印象酒店是位于峨眉山市報國寺景區(qū)內(nèi)的一家集住宿、餐飲、會議、娛樂為一體的精品度假酒店。受疫情影響，峨眉山景區(qū)關(guān)閉，該酒店也被迫停止營業(yè)，失去收入來源后，該酒店造成資金周轉(zhuǎn)緊張，復(fù)工困難。峨眉山農(nóng)商銀行了解情況后主動對接客戶需求，并組建金融小分隊在企業(yè)申請貸款后分工合作快速完成貸款授信、貸款審批等流程，同時開展“上門簽字，上門送貸”等服務(wù)，提交貸款申請的第二天就發(fā)放了150萬元貸款作為其復(fù)工啟動資金。
自新冠疫情爆發(fā)以來，峨眉山旅游產(chǎn)業(yè)遭受重創(chuàng)，為此，峨眉山農(nóng)商銀行按照省農(nóng)信聯(lián)社關(guān)于做好疫情防控與企業(yè)復(fù)工復(fù)產(chǎn)金融服務(wù)系列工作要求，主動對接受影響客戶，發(fā)揮金融“造血”功能，傾斜政策措施，積極為受疫情影響企業(yè)和個人提供信貸支持，切實踐行地方金融主力軍銀行的責(zé)任與擔當，全力支持文旅企業(yè)疫情防控復(fù)工復(fù)產(chǎn)。
創(chuàng)新信貸產(chǎn)品 優(yōu)化服務(wù)方案
疫情之下，峨眉山農(nóng)商銀行開展緊急調(diào)研，逐戶排查了解旅游行業(yè)客戶受疫情影響情況和對金融服務(wù)的需求情況，研究制定金融服務(wù)方案。針對受疫情影響較大以及有發(fā)展前景但暫時受困、受疫情影響而暫時失去收入來源的文旅行業(yè)客戶，該行創(chuàng)新開發(fā)了“暖心貸”貸款產(chǎn)品，支持受疫情影響的旅游行業(yè)客戶復(fù)工復(fù)產(chǎn)，并且實行優(yōu)惠利率，馳援客戶戰(zhàn)“疫”。與此同時，客戶經(jīng)理“線上十線下”相結(jié)合開展調(diào)查、收集資料，“一企一策、一戶一策”全力幫扶轄內(nèi)文旅企業(yè)、商戶復(fù)工復(fù)產(chǎn)。
暢通綠色通道 提高服務(wù)效率
峨眉山農(nóng)商銀行進一步優(yōu)化審批效率，按照“簡化手續(xù)、優(yōu)化流程、限時辦結(jié)”的原則，建立專項審批通道、優(yōu)化審貸程序、減少審貸時限。對文旅企業(yè)的合理融資需求，特事特辦、急事急辦、快速響應(yīng)、開辟綠色通道，實現(xiàn)專人負責(zé)、限時管理、限時辦結(jié)，確保客戶及時得到貸款資金復(fù)工復(fù)產(chǎn)。在疫情防控期間，該行對客戶申請的個人貸款實現(xiàn)最快一天審批發(fā)放，公司類貸款實現(xiàn)三天內(nèi)審批發(fā)放。
實行費率優(yōu)惠 切實為客戶減負
疫情期間，峨眉山農(nóng)商銀行對受疫情影響經(jīng)營困難的企業(yè)實施優(yōu)惠政策。其中，對符合條件的茶旅融合的茶葉產(chǎn)業(yè)貸款全部實行優(yōu)惠利率，疫情期間共發(fā)放貸款163戶，金額9107萬元。對于受疫情影響的文旅行業(yè)存量客戶，嚴格落實“不抽貸、不斷貸、不壓貸”政策。根據(jù)客戶的實際情況，通過展期、續(xù)貸、重組、調(diào)整還款計劃、適度增加信用貸款和中長期貸款等風(fēng)險化解措施，緩解疫情期帶來的還款壓力，全力支持幫助客戶渡過難關(guān)。疫情期間，該行對21名文旅產(chǎn)業(yè)客戶的結(jié)息方式由“按月付息”調(diào)整為“按季或按年付息”，涉及貸款金額7810萬元；為8名文旅產(chǎn)業(yè)客戶的分期還款計劃進行了調(diào)整，涉及貸款金額850萬元，為3名文旅產(chǎn)業(yè)客戶辦理了續(xù)貸，涉及貸款金額690萬元。
截至目前，峨眉山農(nóng)商銀行在文旅產(chǎn)業(yè)方面的授信總額達15億元，貸款戶數(shù)1609戶，貸款金額85605萬元，貸款余額60852萬元。疫情期間，對文旅企業(yè)新發(fā)放貸款230萬元，對文旅企業(yè)貸款“不抽貸、不斷貸、不壓貸”金額共計9350萬元。（鄒璇）
責(zé)任編輯：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
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