自貢農(nóng)商銀行多措并舉助力小微企業(yè)

2020-07-28 08:10:47    來(lái)源：   作者：黃慧君 孫茂碩  點(diǎn)擊數(shù)：

自新冠肺炎疫情發(fā)生以來(lái)，四川農(nóng)信自貢農(nóng)商銀行深入貫徹黨中央國(guó)務(wù)院、省委省政府及省聯(lián)社黨委決策部署，充分發(fā)揮地方金融主力軍銀行戰(zhàn)疫情、促發(fā)展的積極作用，用好貨幣工具，用足信貸政策，因時(shí)因地打出“利率優(yōu)惠、延期還本、調(diào)整付息、產(chǎn)品定制、快速辦貸”的金融戰(zhàn)“疫”組合拳，全方位助力小微企業(yè)復(fù)工復(fù)產(chǎn)，與地方企業(yè)守望相助、共克時(shí)艱，全力以赴做好“六穩(wěn)”工作、落實(shí)“六保”任務(wù)。

大力推廣“戰(zhàn)疫貸”，為穩(wěn)產(chǎn)保供“輸血”。搶抓“戰(zhàn)疫貸”業(yè)務(wù)窗口期，快速摸排復(fù)工復(fù)產(chǎn)、春耕春種、畜禽養(yǎng)殖急需資金，以及吸納就業(yè)能力較強(qiáng)的小微企業(yè)，通過(guò)廣泛宣傳、嚴(yán)格甄別，向135戶普惠小微企業(yè)發(fā)放“戰(zhàn)疫貸”2.9億元。向86戶小微企業(yè)和新型農(nóng)業(yè)經(jīng)營(yíng)主體發(fā)放支農(nóng)、支小再貸款1.55億元。以上業(yè)務(wù)，彌補(bǔ)了小微產(chǎn)品價(jià)格短板，預(yù)計(jì)將為普惠小微企業(yè)讓利1200萬(wàn)元，為穩(wěn)產(chǎn)保供注入了金融力量，發(fā)揮了穩(wěn)經(jīng)濟(jì)、穩(wěn)預(yù)期的重要作用。

做好延期還本付息，為復(fù)工復(fù)產(chǎn)“減壓”。積極落實(shí)關(guān)于進(jìn)一步對(duì)中小微企業(yè)貸款實(shí)施階段性延期還本付息工作要求，逐戶摸底調(diào)查，簡(jiǎn)化辦理手續(xù)，提高響應(yīng)效率，在有效防控風(fēng)險(xiǎn)的基礎(chǔ)上，對(duì)符合國(guó)家產(chǎn)業(yè)政策及行業(yè)信貸政策、提出延期還本付息申請(qǐng)的普惠小微貸款做到“應(yīng)延盡延”。截至目前，已執(zhí)行普惠小微貸款階段性延期還本付息共149戶、2.5億元。預(yù)計(jì)到年底將辦理普惠小微貸款本金延期806戶、金額11億元。

堅(jiān)持讓利小微企業(yè)，為紓困復(fù)蘇“蓄力”。綜合采取變更結(jié)息頻率、展期、續(xù)貸、借新還舊、重組等對(duì)受困小微企業(yè)予以紓困，且在轉(zhuǎn)貸時(shí)利率均下調(diào)10%。截至6月末，累計(jì)為疫情受困客戶降息149戶、金額 4.2億，合同期降息達(dá)912萬(wàn)元。在“增量”“擴(kuò)面”“提質(zhì)”“降本”上持續(xù)用力，適度增加信用貸款、提高首貸率、降低利率，并單列普惠小微業(yè)務(wù)目標(biāo)、提高普惠小微考核權(quán)重，通過(guò)機(jī)制撬動(dòng)，提升小微企業(yè)覆蓋面和獲得感。截至6月末，普惠小微貸款余額為56億元，較年初增長(zhǎng)6億元、增幅12.19%，高于各項(xiàng)貸款增速0.17個(gè)百分點(diǎn)。同時(shí)，避免企業(yè)貸款到期后借用過(guò)橋資金或占用企業(yè)流動(dòng)資金，辦理無(wú)還本續(xù)貸106戶、8.29億元，預(yù)計(jì)到年底將為企業(yè)降低融資成本2500萬(wàn)元。

 

加大金融產(chǎn)品創(chuàng)新，為融資難題“解鎖”。在原有的“農(nóng)擔(dān)貸”“提升貸”等產(chǎn)品基礎(chǔ)上，陸續(xù)推出“隨商貸”“卡貸通”“地?cái)偤觅J”等信貸產(chǎn)品，發(fā)放以上創(chuàng)新產(chǎn)品貸款2.22億元，有效支持了無(wú)抵押物、復(fù)產(chǎn)復(fù)商急需資金的小微企業(yè)116戶、農(nóng)戶和個(gè)體工商戶1120戶。對(duì)受疫情影響、暫遇困難的彩燈文化旅游行業(yè)發(fā)放“彩燈文化貸”8筆、6010萬(wàn)元，并向彩燈商會(huì)企業(yè)授信5億元，做地方重要產(chǎn)業(yè)的堅(jiān)強(qiáng)后盾。同時(shí)，從服務(wù)好疫情防控和地方經(jīng)濟(jì)社會(huì)發(fā)展大局出發(fā)，為防“疫”企業(yè)開辟“綠色通道”，特事特辦、急事急辦，如兩天內(nèi)向支持武漢雷神山醫(yī)院建設(shè)的威鵬電纜增加貸款1000萬(wàn)元、利率執(zhí)行“LPR定價(jià)+0基點(diǎn)”的，累計(jì)為7戶防“疫”企業(yè)提供產(chǎn)能擴(kuò)大信貸資金9680萬(wàn)元，為各級(jí)醫(yī)療、衛(wèi)生及防疫單位提供信貸支持2.47億元。

截至2020年6月末，自貢農(nóng)商銀行各項(xiàng)貸款余額141億元，較年初凈增10.63億元，較去年同期多增4.95億元，預(yù)計(jì)到2020年底將為復(fù)工復(fù)產(chǎn)小微企業(yè)讓利7000萬(wàn)元，到2021年6月底預(yù)計(jì)讓利將達(dá)1.5億元。通過(guò)持續(xù)加大對(duì)戰(zhàn)疫復(fù)產(chǎn)的融資對(duì)接和降息讓利，既培植了一批有基礎(chǔ)、有實(shí)力、有前景的優(yōu)質(zhì)客戶，促進(jìn)了地方經(jīng)濟(jì)恢復(fù)發(fā)展，也贏得了黨委、政府和社會(huì)各界的高度評(píng)價(jià)，彰顯了地方金融主力軍銀行的作為和擔(dān)當(dāng)。下一步，自貢農(nóng)商銀行將繼續(xù)提高政治站位，抓實(shí)抓細(xì)紓困幫扶，加大加快信貸投放，全力以赴助力地方經(jīng)濟(jì)發(fā)展，以實(shí)際行動(dòng)書寫“四川農(nóng)信，四川人民自己的銀行”。 

（自貢農(nóng)商銀行 黃慧君 孫茂碩）

 

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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