In response to the impact of the epidemic on production and life, the state has issued a series of relief policies to help enterprises.
The China Banking and Insurance Regulatory Commission recently proposed to increase credit issuance to help enterprises in industries affected by the epidemic to resume development.
Shandong, Zhejiang, Jiangsu and other places are speeding up the implementation of various financial relief measures according to the requirements of epidemic prevention and the needs of enterprises.
Shandong: Government and financial institutions work together to ensure corporate financing needs
In Zibo, Shandong, this high-tech enterprise specializing in the production of automobile leaf springs, although the orders have always been sufficient, the rise in raw material prices since last year has made the company's operating costs continue to increase, and the recent capital turnover has become more and more tight. .
Just when the company was at a loss, the local government provided the needs of the company to the bank.
Wang Zekai, chairman of Shandong Automobile Spring Factory Zibo Co., Ltd.: The bank completed the procedures in a relatively short period of time and provided us with a loan of 10 million yuan.
And this loan is pure credit, unsecured, unsecured, which is very suitable for us.
Li Xiang, Assistant President of Hengfeng Bank Zibo Branch: We continue to launch a variety of credit products to meet the needs of different types of customers.
At the same time, we will optimize service measures, accurately assist enterprises to resume work and production, and ensure that both epidemic prevention and control and economic operation are emphasized.
Not long ago, the "Ten Measures for Financial Services to Support Epidemic Prevention and Control and Economic and Social Stable Development" jointly issued by Shandong Provincial Local Financial Supervision Bureau and Shandong Banking and Insurance Regulatory Bureau proposed that industry authorities should ensure epidemic prevention and control materials for enterprises and recipients. The financing needs of enterprises with a greater impact on the epidemic are pushed to financial institutions.
Financial institutions should formulate special service plans, arrange special credit lines, and open business emergency channels to fully meet the reasonable financial service needs of enterprises.
The "Measures" also clarified that banks are encouraged to give appropriate grace periods to repayment of small and micro entities affected by the epidemic, not to be included in the list of defaulting customers, and not to be classified down.
For insurance policyholders seriously affected by the epidemic, support insurance institutions to relax payment deadlines.
For those who are hospitalized or quarantined due to infection with new coronary pneumonia, quarantine observation personnel, and staff participating in epidemic prevention and control, who cannot repay in time due to the impact of the epidemic, the relevant overdue loans may not be reported as overdue records after the financial institution has determined that the overdue records have been submitted. can be adjusted.
Zhejiang: Take the initiative to connect and fully guarantee the capital needs of enterprises
Zhejiang is one of the provinces with the most active private economy. Affected by the epidemic, the difficulties and challenges faced by many small, medium and micro enterprises have increased significantly.
In order to help market players to tide over the difficulties, various financial institutions in Zhejiang took the initiative to connect with enterprises, provide front-line services, fully support the rescue of enterprises, and support the development of the real economy.
In Nanxun District, Huzhou City, Zhejiang Province, bank staff are visiting various companies to understand their capital needs.
The company's loan just expired, and the bank staff handled the loan extension for the company on the spot.
Fang Quanfen, Account Manager of Shiyuan Sub-branch of Nanxun Bank in Huzhou: In accordance with the principle of handling special cases and urgent cases urgently, the grace period of one-month loans has been adjusted for small and micro enterprises that are affected by the epidemic and have difficulty in repayment and are controlled by the epidemic.
The Huzhou Municipal Finance Office asked local banks to increase financial support for companies in industries such as wholesale and retail, accommodation and catering, foreign trade, cultural tourism, and children's clothing that have been greatly affected by the epidemic after taking the initiative to make arrangements.
Pan Chunhui, Deputy Director of the Finance Office of Huzhou City, Zhejiang Province: We require financial institutions to take the initiative to find out the list of companies in industries that have been greatly affected by the epidemic, help these companies solve financing problems and difficulties, and make all the necessary investments.
On the basis of the average guarantee rate in the first quarter, the guarantee rate we provide to enterprises will be reduced by 20% in stages. At the same time, the guarantee fee will be exempted for the exchange rate hedging credit service of small and micro enterprises.
The Zhejiang Banking and Insurance Regulatory Bureau recently issued a financial service work plan. For high-quality enterprises, it is necessary to stabilize the stock financing and ensure reasonable demand; for small and medium-sized enterprises affected by the epidemic and other factors, it is necessary to help enterprises to stabilize operations and preserve production capacity, and strive to increase loan assistance this year. 15 billion yuan.
At the same time, it is necessary to guide banking institutions to take the initiative to connect with major manufacturing projects and 100 billion technological transformation projects in the province, and improve the level of credit guarantee for major manufacturing projects.
Create a one-stop foreign trade financial service platform integrating corporate financing, exchange rate hedging, export credit insurance and other functions.
In 2022, the new medium and long-term loans for the manufacturing industry will exceed 200 billion yuan.
Jiangsu: Helping clients design financial solutions to improve enterprise efficiency
In Jiangsu, repeated global epidemics and fluctuations in the international financial market have put a lot of pressure on foreign trade companies.
Local financial management departments and banks not only increase their support for enterprises in terms of loan issuance, but also use scientific and technological means to help enterprises improve their fund settlement methods and improve their operational efficiency.
Novozymes is the only biotechnology company in Jiangsu that produces novel coronavirus antigen detection reagents.
Since last year, the company's overseas orders have been increasing.
However, whether the corresponding funds have arrived in the account must be checked by overseas subsidiaries one by one, and then aggregated to the head office in Nanjing, which greatly affects the efficiency of production and delivery.
After Bank of China learned about this situation, it helped them build a global capital visualization system, which can immediately understand the capital flow of all subsidiaries.
Yang Xue, financial manager of Nanjing Biotechnology Company: We received the 110,000 euros on March 28. We settled the euros into RMB as soon as possible for our expansion and reproduction.
Di Ziwei, Vice President of Nanjing City Sub-branch, Bank of China Jiangsu Branch: Use some technological means to help companies manage global funds, help companies improve production efficiency, and avoid some exchange losses. Take the euro as an example. Some time ago, the decline reached about 5%. For enterprises, there may be a price difference of about 50,000 euros for 1 million euros.
In order to help foreign trade enterprises expand their imports and exports, Bank of China Jiangsu Branch also takes the initiative to help customers design a series of financial solutions such as online international business services, forward foreign exchange settlement and sales, and financing guarantees based on the characteristics of cross-border business and the financial needs of enterprises' actual production. , to help foreign trade enterprises.
As of the end of February this year, Bank of China Jiangsu Branch had provided 17,700 foreign trade enterprises with international settlement services exceeding US$23.5 billion and trade financing of nearly 44.1 billion.
(CCTV reporter Wang Lei, Zeng Xianlin, Qu Lei, Tao Weifeng, Zhang Jun, Tang Gaolin, Yang Weidong, Shandong, Zibo, Zhejiang, Huzhou, Taiwan)