Bank of Jiangsu Suqian Branch raises the sail of innovation.

Suqian, a beautiful city, has a good development situation in all walks of life. However, among the colorful flowers, there is a beautiful financial service landscape, and she has the unique charm of innovative service concept. She is Suqian Branch of Jiangsu Bank. When the young Bank of Jiangsu Suqian Branch was born in Suqian, it developed from a high starting point, catching up with the leap-forward development pace, creating the development goal of first-class modern city commercial banks, establishing the modern service concept of serving the economy, enterprises and people, and expanding and developing itself. With the unique innovative service concept, it has written a new chapter for banks and enterprises to win social praise and customer reputation. Development is the last word, and innovation is the soul of development. At the beginning of this year, the leadership team of Suqian Branch of Jiangsu Bank, headed by Bai, led the staff of the whole bank to study and practice Scientific Outlook on Development activities in depth, implemented the major decision of the central government and provinces and cities to "ensure growth and promote development", and launched a series of new measures with innovative ideas and means. Take accelerating the innovation of financial products and services as the top priority, and measure and test the effectiveness of learning from Scientific Outlook on Development with the actual results of the work.

Focusing on the general idea of "marketing a batch, reserving a batch, putting in a batch and adjusting a batch", we will speed up the marketing reserve of industrial enterprises, actively expand the effective supply of credit, and fully support local economic construction. The implementation of a time-limited settlement system for key industrial enterprises and small and medium-sized enterprises further optimized the credit process, laying the foundation for the rapid growth of industrial loans. In order to deepen the understanding of enterprises and collect the shortcomings of branches in development, service and management, in April this year, the leaders of the bank led a team and divided it into three research groups to conduct in-depth and extensive research on more than 0/00 enterprises in the city respectively, so as to seek common development plans with enterprises. At the same time, the leaders of the bank went to Zhejiang, Shandong and other places to study and inspect, cooperate with the investigation, analyze and sort out. Form scientific first-hand research data and discuss and communicate with practice.

Through investigation, we have carefully analyzed the impact of the financial crisis on the economic development of all walks of life and enterprises. Establish core customer files in banks, increase support for key enterprises in a targeted manner, help these enterprises solve their urgent needs, and effectively promote the steady and rapid development of Suqian enterprises' production. By the end of May, the number of industrial loans reached 143, and the loan balance reached 900 million yuan, an increase of 500 million yuan over the beginning of the year.

Implementing Private 100 Credit Project to Boost Economic Development

Innovation is a bold attempt and a scientific and rational exploration. Bank of Jiangsu Suqian Branch practices Scientific Outlook on Development with the innovative service concept of keeping pace with the times. They break the traditional old model in the past, innovate in the financial system, and provide differentiated services and special services for small and medium-sized enterprises and private enterprises. They are based on the reality of economic growth and market development in Suqian. Draw lessons from the advanced model and experience of the same industry, and formulate a guiding, forward-looking and feasible development strategy. Focusing on the pattern and atmosphere of large-scale economic development, starting from the overall situation of rapid and sound economic development in Suqian, we will vigorously support the development of small and medium-sized enterprises and private enterprises in the city, go out and communicate with small and medium-sized enterprises at zero distance. Support small and medium-sized enterprises to get out of trouble. Development has reached a new level, prompting small enterprises to grow from small to large, from weak to strong, from sheep to elephant.

They conscientiously implemented the spirit of the China Banking Regulatory Commission on supporting financial services for small enterprises, vigorously promoted the innovation of financial products and services, and further promoted the "Private 100 Credit Project" on the basis of implementing the loan assistance plan for small enterprises set up by the Head Office. They selected more than 50 private enterprises as key cooperative customers, arranged full-time account managers to seek opinions and understand the situation at home, provided key services and support for these private enterprises, and provided 65,438+000% financial services for private enterprises throughout the process.

In terms of the support scale of financial products, according to the different needs of private enterprises in the three stages of entrepreneurship, growth and expansion, they launched the "Zijin Wealth Connect" series of products, and began to "water and fertilize" from the initial stage of enterprises, providing private enterprises with entrepreneurial loans, growth loans, financing arrangements and value-added wealth management services in stages.

"Zijin Fortune Connect" series products are timely rain and boosters, which have sent impetus to the rapid development of small and medium-sized enterprises. Zijin Growth Link focuses on supporting private enterprises with annual sales income of more than 50 million yuan, and Zijin Fortune Link focuses on supporting private enterprises with annual sales income of more than 500 million yuan.

Their products of "helping small enterprises to start businesses" mainly support private enterprises with good development prospects, net assets of over 5 million and annual sales income of over150,000.

At present, the bank has cooperated with 150 private enterprises, serving 40 private enterprises as "Zijin Fortune Link", with a planned credit line of 1 100 million yuan, and has now granted credit of 600 million yuan. Service is the eternal theme of the financial industry. Bank of Jiangsu Suqian Branch has made new moves around innovative services, and launched a series of new measures to deepen the golden touch service for small enterprises, sowing timely rain for the growth of small enterprises and promoting their rapid development.

According to the requirements of the Head Office that the total amount of new loans for small enterprises should not be lower than that of the previous year, and the growth rate of loans for small enterprises should not be lower than that of all loans, they actively implemented the "Small Enterprise Loan Assistance Plan", innovated the guarantee method, took advantage of the opportunity of re-guarantee by provincial guarantee companies, and cooperated closely with Tongchuang, Runda and Jianyuan. At the same time, they cooperated with Suqian Meng Hui Asset Management Company to try to apply for chattel pledge, which broadened the financing channels for small enterprises. During the investigation, each account manager is required to visit at least 10 new and old corporate customers (more than 5 new customers) every month, and strive to build and cultivate the core customers of the branch's own "Xingye Loan Assistance Program".

With meticulous service and excellent service, Suqian Branch of Bank of Jiangsu has put "ensuring growth and promoting development" into concrete practical actions. They warm the hearts of small enterprises with deep friendship and do everything possible to solve problems for the financing development of small and medium-sized enterprises. In view of the characteristics of "short, frequent and fast" financial needs of small and medium-sized enterprises, they further simplified the acceptance process of each link and improved work efficiency. On the basis of the existing products of the Head Office, study and formulate the "quick and easy loan" method and the operation guide for the small business loan business of account managers. Focusing on the "personality, products and collateral" of small enterprises, we will investigate the "electricity meter, water meter and payroll (tax table)", and strive to achieve unlimited loan scale for small enterprises, barrier-free loan channels for small enterprises, seamless loan docking for small enterprises, and flawless loan services for small enterprises, effectively breaking the ice of financing difficulties for small enterprises, increasing support for small enterprises, and helping small enterprises to develop and grow. The credit business of small enterprises shall be settled within a limited time, so as to provide better services for small enterprises and achieve a win-win situation for both banks and enterprises. By the end of May, the Bank had granted credit to 199 small enterprises, 82 more than at the beginning of the year, with new loans of 654.38+0.8 billion yuan.

A tree is full of spring breeze, and the golden color of Nen Street is softer than silk. All cadres and employees of Bank of Jiangsu Suqian Branch have made brilliant achievements in practicing Scientific Outlook on Development, strengthening quality service, promoting win-win situation between banks and enterprises, and promoting Suqian's economic development. We really feel the powerful steps of Suqian Branch of Jiangsu Bank towards new goals. Nowadays, with a high sense of responsibility and mission, they are committed to promoting and supporting the coordinated development of local economy and society, devoting themselves to economic services with high fighting spirit, contributing to the rapid economic development of Suqian, and offering gifts to the 60th anniversary of the great New China with practical actions and excellent achievements!