The first is to enter the peasants. Carry forward the spirit of the old farmer's backpack, carry out the "three letters" project in a solid and in-depth manner, and realize the "three hundred" of filing, visiting and evaluating, with 6 credit users 1 .200 households, 0/02 credit villages1credit towns, which is in line with the batch issuance of bumper harvest microfinance cards. The second is to enter the base. On the premise of in-depth study and understanding of the present situation and demand of agricultural industrialization in the county, we will vigorously promote and popularize products such as grain pledge, management contract right pledge, economic forest pledge, and credit rating loans for farmers' professional cooperatives, and explore ways to promote the industrialization development of bases+cooperatives+farmers or bases+leading agricultural enterprises+farmers. The third is to enter the enterprise. Deepen cooperation with credit, industry and commerce, taxation and other departments. , expand information sources, and carry out list-based interview marketing for more than 600 small enterprises with registered accounts in the county according to the requirements of "three hundred" in the activity of "entering villages and enterprises", that is, visit enterprises with 100 questions and visit more than 100 enterprises without credit relations, and confirm 100. The fourth is to enter the market. Graft the successful experience of small-scale agricultural loans, extend rural credit projects to the market, carry out credit self-employed and credit market evaluation, and explore the wholesale business goal of self-employed with one market as a big customer. The fifth is to enter the Chamber of Commerce. Jumping out of Changshan, the relevant business departments and the directors of credit cooperatives took the initiative to contact the Hangzhou Chamber of Commerce, where Changshan people are most concentrated in other places. In order to solve the problem of high guarantee threshold for small and medium-sized enterprise guarantee companies, a powerful private guarantee company, Yinhe Guarantee Company, was newly signed, which improved the operability of loans for members of the Chamber of Commerce.
"Four Deliveries":
The first is to send credits. Establish active marketing awareness, speed up credit marketing and rating credit granting through "five advances", and further clarify the work focus of serving agriculture, rural areas and small and micro enterprises. Up to now, agricultural loans have increased by 359 million yuan, with a growth rate of 20.4%, and small and micro enterprise loans have increased by 356 million yuan, with a growth rate of 23. 19%, which are 4.07 and 6.86 percentage points higher than the growth rate of all loans respectively. The second is to send products. On the basis of extensive, in-depth and continuous publicity and popularization of knowledge and application rate of rural credit products, according to market and customer needs, various forms of loan products, such as mortgage+guarantee, mortgage+guarantee+credit, mortgage+guarantee of machinery and equipment, are flexibly adopted to meet the financing needs of different customers or the same customer at different stages. And strengthen and expand cooperation with insurance, guarantee companies, chambers of commerce and judicial departments, broaden the scope of collateral and innovate loan guarantee methods. The third is to send benefits. According to the fact that the actual risk of merchants' joint guarantee loans is lower than that of farmers' joint guarantee loans, the loan interest rate and risk premium will be reduced by 10 percentage point year-on-year. According to the principle of "one household, one price", a new interest rate pricing method is innovated for some enterprises with temporary operating difficulties but high rate of return on capital, and corporate loans are hedged by halving corporate deposits every quarter. If there are multiple loans, you can enjoy the implementation of the minimum loan interest rate after hedging, which improves the timeliness and happiness of profit. Reduce the auto mortgage interest rate by 10 percentage point, actively benefit customers, stimulate consumption and stimulate domestic demand. The fourth is to send services. Seize the opportunity of the promotion of business cards and social security cards, increase the deployment of traditional POS machines, POS machines for helping farmers, self-service terminals for helping farmers and off-bank ATM machines in Jinjie, shopping malls, supermarkets, hotels, administrative villages and village-level convenience service centers in urban areas, promote the expansion of online banking and mobile banking marketing, build a wider, faster and better three-dimensional financial service channel, and effectively improve the service level of coordinating urban and rural financial life. 0| Comments
2012-11-2413:19 enthusiastic users are unknown.