China-Singapore Jingwei Client, December 10 (Wei Wei) 2020 is the year of the completion of a well-off society in an all-round way and the end of the 13th Five-Year Plan, and it is also a year of resolute victory in poverty alleviation.

On the 10th, at the 265th regular press conference of the banking and insurance industry, relevant persons in charge of the Banking and Insurance Regulatory Bureaus of Jiangsu, Fujian, Tibet, and Shaanxi respectively introduced the relevant situation of helping the construction of a well-off society.

Jiangsu: During the "13th Five-Year Plan" period, the number of manufacturing loan customers within its jurisdiction increased by 58.8%

  According to Xiong Tao, Secretary of the Party Committee and Director of the Jiangsu Banking and Insurance Regulatory Bureau, during the "Thirteenth Five-Year Plan" period, the average annual growth rate of various loans under the jurisdiction of Jiangsu Banking and Insurance Regulatory Bureau exceeded 14%, and the average annual growth rate of insurance coverage was nearly 34%.

Since the epidemic, Jiangsu Banking and Insurance Regulatory Bureau has accurately implemented various financial support policies. In the first three quarters, loans increased by 16.1% year-on-year, supporting Jiangsu's first economic recovery in the country.

  Xiong Tao said that in terms of infrastructure, the Jiangsu Banking and Insurance Regulatory Bureau is working hard to serve major infrastructure projects.

At the end of September, the banking industry's financing of major projects reached 484.5 billion yuan, and the balance of loans in the infrastructure sector reached 4.2 trillion yuan, an average annual growth rate of 18.2% during the "13th Five-Year Plan" period.

The construction of a number of main railway lines, airports, ports, etc., made up for the shortcomings of Jiangsu's transportation and accelerated the promotion of high-quality development in Jiangsu.

  "Jiangsu Province is a large manufacturing province. Last year, the total manufacturing output value exceeded 16 trillion yuan, accounting for about 1/8 of the country and about 3% of the global manufacturing industry. The industrial structure of Jiangsu Province is also striving towards mid-to-high end, actively promoting Industrial structure optimization and upgrading." Xiong Tao pointed out that during the 13th Five-Year Plan period, the number of manufacturing loan customers within the jurisdiction increased by 58.8%. As of the end of September, the manufacturing loan balance exceeded 2 trillion yuan, and the manufacturing industry achieved positive growth for 40 consecutive months. .

  In addition, Jiangsu's banking and insurance industry strongly supported technology finance, established 43 licensed institutions, and landed the country's first intellectual property mixed insurance and intellectual property asset assessment liability insurance. During the "13th Five-Year Plan" period, the number of loan customers in the information transmission industry increased by 3.3 Times, "Sukedai" and "Sukebao" provide financing and insurance services to 7,650 technology companies.

As of the end of September, the loan balance of major bank technology enterprises was 481 billion yuan.

Fujian: Strengthen financial support for corporate relief and industrial upgrading and transformation

  "Fujian is a large province of private economy and foreign trade, and the pressure of transformation and upgrading of traditional industries is still relatively large. This year, the impact of the epidemic is superimposed, and small and medium-sized enterprises will be more affected." Cong Chong, Secretary of the Party Committee and Director of the Fujian Banking and Insurance Regulatory Bureau To.

  Conglin said that in May this year, the Fujian Banking and Insurance Regulatory Bureau and the local government issued a rescue loan policy. In September this year, it launched a pilot emergency loan under the guidance of the Banking and Insurance Regulatory Commission.

With the help of Fujian's "Golden Service Cloud" platform, we can achieve precise docking between banks and enterprises, and obtain financial discount support. After the discount, the actual loan interest rate assumed by the company is between 2.85% and 3.35%. The decompression through blood transfusion supports the development of poverty alleviation.

  Conglin pointed out that as of the end of November, the emergency and relief loans in Fujian's jurisdiction reached 18.3 billion yuan, benefiting more than 4,000 enterprises, supporting more than 550,000 people in stable jobs, and reducing corporate financing costs by more than 500 million yuan.

At the same time, by optimizing the quality and efficiency evaluation system for serving the real economy, two new indicators have been added this year based on actual conditions to encourage the issuance of mid- to long-term loans and high-tech loans to the manufacturing industry, and strengthen regulatory incentives.

As of the end of October, loans to manufacturing in Fujian's jurisdiction have grown 7% year-on-year, the highest in recent years.

Tibet: The non-performing loan rate within the jurisdiction is expected to be below 0.5% this year

  Xiang Heng, Secretary of the Party Committee and Director of the Tibet Banking and Insurance Regulatory Bureau, said that Tibet is the only provincial-level contiguous and extremely poor area among the deeply impoverished areas of the "three regions and three prefectures". The task of building a well-off society in Tibet is more complex and difficult.

In 2019, Tibet has completely eliminated absolute poverty in the entire autonomous region. This year is a crucial year for consolidating the achievements of poverty alleviation.

  Xiang Heng pointed out that in terms of supporting the construction of major infrastructure projects, major infrastructure projects around the Sichuan-Tibet Railway, the Lhasa Railway, the Lallin Railway, the Lhasa-Xigaze expressway, and the Lhasa-Naqu expressway, are major infrastructure projects in these countries or regions. As well as rural power grid transformation, energy, water conservancy projects and other fields, the Tibet Bank and Insurance Regulatory Bureau guides financial institutions to provide credit support and insurance protection in accordance with the principles of controllable risks and sustainable business.

  In addition, in supporting the development of key characteristic industries, Xiang Heng said: “Tibet has unparalleled natural landscapes and human resources. The tourism and cultural industry is the dominant pillar industry of the autonomous region. The total tourism revenue accounts for about 33% of Tibet’s GDP.”

  Xiang Heng said that the financial industry has developed credit and insurance products such as "rural tourism loans", "cangsu loans", and "highland travel interruption compensation insurance" to help the cultural and tourism industry add value and improve efficiency.

Vigorously support the development of Tibetan medicine, natural drinking water, plateau biology and other industries, and open green channels for loans and claims, and vigorously promote the development of characteristic industries.

  Xiang Heng introduced that starting from the second half of last year, the Tibet Banking and Insurance Regulatory Bureau focused on special actions for the disposal of non-performing loans. As of the end of October this year, it has further consolidated the main responsibilities of risk disposal and major shareholder responsibilities of various institutions, and the balance of non-performing loans of banks within its jurisdiction The non-performing loan rate and NPL ratio continue to achieve double declines, and it is expected that the non-performing loan rate will be below 0.5% this year.

Shaanxi: Leading the financial industry to focus on poor areas and poor people

  Xu Wen, Secretary of the Party Committee and Director of the Shaanxi Banking and Insurance Regulatory Bureau, said that since the 13th Five-Year Plan, the Shaanxi Banking and Insurance Regulatory Bureau has led the financial industry to focus on poverty-stricken areas and poor people, improving the system, preferential policies, increasing investment, and strengthening support. , The province’s targeted poverty alleviation loans increased by 194%. As of the end of the third quarter of this year, the loan balance reached 153.5 billion yuan.

  Xu Wen said that in February this year, all 56 poor counties (districts) in Shaanxi achieved poverty alleviation, and the overall regional poverty problem has basically been solved.

The Shaanxi Banking and Insurance Regulatory Bureau mainly conducts its work from the four aspects of “accurate loans, strict management, good use, and recovery”, guiding banking institutions within its jurisdiction to strictly control access, focusing on the satisfaction of effective credit needs, and neither setting Obstacles to loans, artificially raising the barriers to entry, cannot deviate from the track of helping poverty alleviation, and engage in unprincipled or even "sporty" investment.

  Xu Wen pointed out that the Shaanxi Banking and Insurance Regulatory Bureau urged Shaanxi bancassurance institutions to actively explore the effective connection of financial assistance to poverty alleviation and rural revitalization while doing financial poverty alleviation work.

This year, the bureau expanded the scope of application of the "responsibility field" mechanism for bank poverty alleviation microfinance, increased financial support for marginal households, and urged relevant banks to determine the credit needs of marginal households, timely docking, and providing small loans to rural households. Financial products with interest rates and low thresholds.

(Zhongxin Jingwei APP)

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