New policy of financial living water loan

President and General Manager of Shaoxing Bank Xinchang Branch visited Xinchang Jiechuang Holdings Co., Ltd.

While further consolidating the construction of the mechanism of "dare to lend, be willing to lend and be able to lend", the continuous incremental expansion of the medium-term policy of revolving loans to benefit enterprises has put forward higher requirements for the construction of long-term mechanisms. In this regard, Zhejiang Banking Insurance Regulatory Bureau has promoted banking institutions to improve four mechanisms: resource tilt mechanism, positive incentive mechanism, risk prevention and control mechanism and due diligence exemption mechanism, so as to enhance their willingness and ability to deepen medium-term liquidity services.

The relevant person in charge of Zhejiang Banking Insurance Regulatory Bureau said: "In the past two years, Zhejiang's medium-term liquidity service has continued to expand incrementally, which fully reflects the recognition of enterprises that the medium-term liquidity policy benefits enterprises, indicating that the work direction has been identified. We must persist for a long time and continue to benefit more market players. "

Capital tilt industrial innovation

Zhejiang Banking Insurance Regulatory Bureau strengthens source protection, guides the listing quota of institutions within its jurisdiction, gives preferential interest rates and optimizes examination and approval. Gradually improve the resource tilt mechanism to better support medium-term liquidity loans. CITIC Bank Hangzhou Branch lowered the entry threshold for medium-term liquid customers for two consecutive years; Hangzhou Branch of Industrial Bank will expand the approval authority coefficient of medium-term revolving loan business to five times that of medium-sized strategic partner customers.

At the end of August, the balance of medium-term working capital loans of Shaoxing Bank was 654.38+05.69 billion yuan, an increase of 654.38+02.55 billion yuan or 8.69% compared with the beginning of the year. This batch of funds continuously flows to the transformation and upgrading of traditional manufacturing and emerging industries.

Zhejiang YD New Materials Co., Ltd. focuses on new material technology research and development, dye manufacturing, chemical product sales and so on. In 2020, the short-term working capital loan balance of Huaxia Bank Shaoxing Branch was 49.6 million yuan. After the visit, the account manager of the bank recommended a medium-term working capital loan with a term of 3 years and no capital turnover. At the same time, in view of the poor business environment and difficulties of many customers caused by the epidemic last year, the bank also took the initiative to cut interest rates for them. YD Company was very satisfied with this service, added other collateral and obtained a medium-term working capital loan with the highest net credit of 76.55 million yuan, which was used to increase operating inventory and expand production capacity.

"This medium-term working capital loan has reduced the annual financing cost of enterprises by 306,200 yuan and increased the bank financing balance by 26.95 million yuan. Although the interest rate has decreased, the comprehensive income has increased, and the win-win relationship between banks and enterprises has been sublimated. " The person in charge of Huaxia Bank Shaoxing Branch said.

Optimization of incentive process

In order to encourage the increase of medium-term liquidity loans, Zhejiang Banking Insurance Supervision Branch strengthened positive guidance and improved the incentive guarantee mechanism through performance incentives, cost incentives and profit distribution. Many institutions in Zhejiang have introduced relevant incentive measures. Among them, Shaoxing Bank implements time-limited examination and approval, monitors the operation of each circulation link of credit business in real time, requires time-limited circulation, and sends SMS reminders to businesses that have not been processed after the user's business is accepted or exceeds the specified time. At the same time, the bank reports the monitoring results of each link. Implement special performance evaluation methods for credit examiners, pay remuneration according to performance and quality, and limit the timeliness of credit examination.

Focusing on the "blocking point" of financing, Shaoxing Banking Insurance Supervision Branch urged the banking industry to improve the mechanism and process construction and improve the quality and efficiency of financial services. Including: unblocking the channels of "due diligence exemption", aiming at the actual reluctance and fear of account managers, guiding banking institutions within their jurisdiction to speed up the implementation of the credit due diligence exemption mechanism-

Huaxia Bank Shaoxing Branch should apply for working capital credit to the branch 1 month in advance when issuing working capital loans for more than 1 year, and issue a credit approval in time after credit recommendation, credit review and credit approval to ensure that the loan turnover is completed in time before the loan expires.

Financial science and technology progress management

Zhejiang Banking Insurance Regulatory Bureau, while promoting banking institutions to strictly implement the "three inspections" of loans, encourages institutions to continuously strengthen the use of big data and other scientific and technological means to prevent the overall business risk from increasing due to the longer loan term. China Bank Zhejiang Branch uses big data to deeply mine internal business information, external tax information, judicial judgment information, online negative information and other data. And effectively identify customer risks through an automatic early warning system.

A company in Shaoxing produces and sells knitting machinery and accessories, with stable profits in recent years. It is planned to upgrade product quality and market competitiveness by updating equipment. The company's annual order sales are mainly carried out at the beginning of the year, and the payment method is telegraphic transfer or acceptance. Because it usually takes three months to settle foreign exchange in this industry, the recovery of accounts receivable faced by enterprises is relatively slow. Shaoxing Bank recommends medium-term revolving loan products to enterprises to cooperate with policy guidelines. According to the actual operating conditions and solvency of the enterprise, Shaoxing Bank extended the loan period reasonably, eased the pressure of debt repayment, and issued a two-year medium-term revolving loan with preferential interest rate, which effectively solved the problem of enterprise funds.

Since 20 19, Shaoxing Bank has introduced the "cloud evaluation" mode in the "evaluation center" for internal evaluation of collateral, launched online model projects, integrated the whole offline process and supported different scenarios, and realized the process transformation from a manually-driven, customer-centric credit platform to a data-driven, customer-centered, subjective judgment-oriented, low-standard and highly dependent credit platform. It is a systematic reference and auxiliary risk control mode, which comes from standardized data collection and verification, a systematic digital risk control mode that objectively evaluates credit, income and assets through data analysis, and an intelligent credit approval risk control mode through manual approval.

Strengthen monitoring, slow and steady, and have far-reaching influence.

Strengthen frontline protection and improve the due diligence exemption mechanism. Zhejiang Banking Insurance Regulatory Bureau guides banking institutions to effectively protect the enthusiasm of grass-roots institutions and account managers to carry out medium-term working capital loan business by setting up assessment teams, lowering inspection exemption standards, clarifying positive and negative lists, unblocking accountability and complaint channels, and reasonably improving risk tolerance, so as to create a good atmosphere of "dare to lend, be able to lend and be willing to lend" for medium-term working capital loans.

"The Bank regularly counts and monitors the medium-term liquidity loan business, makes dynamic adjustments according to the requirements of asset-liability ratio management, and urges branches to gradually increase the proportion of medium-term liquidity loans." According to the person in charge of Ruifeng Bank, the requirements of the bank are accurate.

Analyze the capital needs of enterprises, scientifically match the loan period and the production and operation cycle of enterprises, and do not "cut across the board" in the promotion process. At the same time, it is required to strictly implement the "three checks" on loans for applicable objects, more effectively grasp the real operating conditions and repayment ability of customers, and not increase the overall risk because of the long loan period, and strive to improve the credit management ability and level.

The person in charge said that practice has proved that medium-term working capital loans meet the capital needs of most small and medium-sized enterprises, and enterprises have a high acceptance of issuing medium-term working capital loans and generally welcome this product.

According to the data, as of the end of June, 20021,the number of medium-term working capital loans of Ruifeng Bank was 42 17, and the balance was1948 million yuan. The number of households and the balance increased by 3 1.58% and 38.03% respectively compared with the end of 2020.

Related questions and answers: