In order to seriously implement a series of important measures of "maintaining growth, expanding domestic demand, adjusting structure and promoting development" in the State Council, Lanzhou Bank timely adjusted and improved relevant measures, actively adjusted the credit structure and rationally expanded the credit scale, and put forward ten specific measures to support local economic development, further increasing credit support for expanding domestic demand, improving people's livelihood projects and building affordable housing, and improving people's basic living standards and living conditions; Increase support for energy conservation, environmental protection and technological transformation projects of "three rural" enterprises, innovate "three rural" service credit products, enhance the circulation ability of agricultural products, stabilize the supply of agricultural materials and market prices, and strive to realize the benefits of agricultural production enterprises, operating enterprises and farmers; Increase credit for urban infrastructure construction, effectively improve people's living environment, and focus on solving the problems of urban road demolition and resettlement, old city reconstruction, environmental management and natural disaster management in Lanzhou; Increase credit support for post-disaster reconstruction projects, actively support small and medium-sized enterprises involved in post-disaster reconstruction, and support projects to improve the living environment of people in disaster areas; Increase the credit supply to the food industry involving people's livelihood safety to ensure food safety and hygiene; Increase credit support for the energy industry, improve the level of comprehensive utilization of resources, and truly "prudently lend, dare to lend, and do not mess with loans".
In view of the characteristics of small and medium-sized enterprises, Lanzhou Bank actively carried out credit business innovation, and successively launched warehouse receipt pledge loan, accounts receivable pledge loan, foreign investment matching loan, inventory mortgage loan and current assets revolving mortgage loan. In view of the imperfect financial system of small and medium-sized enterprises, the Measures for the Administration of Credit Rating and Credit for Small and Medium-sized Enterprises were specially issued, which solved the problem that other banks had difficulty in rating small and medium-sized enterprises, and laid a solid foundation for expanding the credit market for small and medium-sized enterprises. By the end of May, 2009, Lanzhou Bank had issued a total of1/kloc-0.03 billion yuan, of which 94.9 billion yuan was directly issued to small and medium-sized enterprises and private economy, accounting for 86% of the loan business.
On June 30th, 2008, 1 1, Bank of Lanzhou signed a loan agreement with the Provincial Small and Medium Enterprises Bureau and 12 enterprises, with a total amount of 5.24 billion yuan, involving urban infrastructure construction, industrial manufacturing, trade circulation and other fields.
On February 6, 2009, the first bank-enterprise consortium led by Lanzhou Bank was established. The establishment of the Bank-Enterprise Association and the successful holding of the SME Financing Fair have been highly praised by the provincial and municipal party committees and governments, fully affirmed by the regulatory authorities, actively participated by SMEs, widely concerned by the news media and well received by all sectors of society. On the day of the association's establishment, Lanzhou Bank signed agreements with eight enterprises, including Lanzhou State-owned Property Co., Ltd. and Gansu Liu Hua Group, with a credit of 480 million yuan to support the construction of projects related to people's livelihood food safety. At the same time, it promised to provide 654.38+08 billion yuan of credit support for 37 construction projects involving people's livelihood projects, agriculture-related enterprises and post-disaster reconstruction within one month.
In order to solve the problem of "difficult loans and expensive financing" for small and medium-sized private enterprises. On March 16, 2009, Bank of Lanzhou jointly held the 2009 Lanzhou SME Financing Fair. The two-day fair will be held in the form of policy information consultation, banking business promotion and on-site consultation, on-site negotiation and on-site acceptance. * * * attracted nearly 500 companies to negotiate, with a financing amount of 5.4 billion. At present, 229 customers (accounting for 85.8%) with a demand of less than 20 million yuan have been clearly answered in writing, and 68 customers with a demand of more than 20 million yuan have been answered in writing; 166 customers have accepted the investigation and approval procedures, with a total demand of 2.9 billion yuan; There are 74 households that need further investigation, with a total demand of 654.38+0.33 billion yuan; The loan has been transferred to 54 million yuan.
The relevant departments of the city formed a policy advisory group, and the Lanzhou Banking Department formed a business negotiation group and a business acceptance group. They conducted specific negotiations and on-site acceptance with SMEs on working capital loans, project loans, bill financing and other businesses, and immediately started the pre-loan investigation procedure, opened a green channel for financial services for SMEs, and created an "e-financing e-loan investment and financing platform". It has greatly promoted the communication between small and medium-sized enterprises, governments and banks, provided an effective financing channel for the transmission of national support policies, and promoted the steady and rapid development of small and medium-sized enterprises in Lanzhou Economic Zone during the economic downturn.
Supporting the healthy development of small and medium-sized private enterprises is of great significance for promoting economic growth, increasing fiscal revenue, expanding urban and rural employment and maintaining social stability. Under the correct leadership of the Municipal Party Committee and the Municipal Government, we will thoroughly implement the Scientific Outlook on Development, conscientiously implement the central, provincial and municipal decisions and arrangements on expanding domestic demand and promoting stable and rapid economic development, persistently support small and medium-sized private enterprises, constantly innovate financial products, continuously optimize loan procedures, continuously deepen cooperation between banks and enterprises, continuously improve financing efficiency and quality, and strive to create a new situation in financial services for small and medium-sized enterprises!
In order to fully implement the policies of provincial and municipal governments to improve the ability of financial institutions to serve agriculture, rural areas and farmers, and strive to start the rural financial market, Lanzhou Bank timely identified the key areas of loans for agriculture, rural areas and farmers, actively supported loans for technological transformation of agricultural production enterprises, comprehensively innovated agricultural materials and agricultural products circulation credit products, increased support for leading enterprises in deep processing of agricultural products, and timely launched joint guarantee loans for small farmers. At the beginning of this year, Lanzhou Bank launched a pilot joint loan for small farmers in Fengjiawan Village, Hongliangying Village and Langjie Village in Yuzhong. At present, 35 loans have been granted to small farmers, with an amount of 6,543,800 yuan. In May, Dongmen Village in Anning District launched a joint loan for small farmers. In June, a joint guarantee loan for small farmers was launched for Mijiatai Village in Honggu District. At present, Lanzhou Bank is conducting preliminary research on the joint loan of small farmers in Shibanshan Village, Lanzhou Development Zone. In order to solve the production cost of vegetable farmers in the surrounding areas of Lanzhou, in June this year, 5438+ 10, Lanzhou Bank targeted 35 greenhouse vegetable farmers in Fengjiawan village with a loan of 1 10,000 yuan from farmers to promote the cultivation of watermelon, celery, chrysanthemum, eggplant, pepper, tomato and other vegetable varieties. Crops can be harvested all year round, and each household supported by the loan can realize a net income of 2500 after the loan expires.