【川報觀察】設150億元專項信貸！四川首批“金融+文旅”幫扶措施來啦
2020-04-08 14:33:17
來源：
作者： 點擊數：
川報觀察 2020-03-25 12:03
川報觀察記者 楊藝茂 成都融創(chuàng)文旅城供圖
3月25日，記者從四川省文化和旅游廳獲悉，為助力我省文旅企業(yè)復工復產，緩解企業(yè)經營壓力，省文旅廳與四川省農村信用社聯(lián)合社共同研究制定了一系列金融支持全省文化和旅游企業(yè)恢復發(fā)展的專項服務措施，并于3月24日正式對外公布。這是省文旅廳與金融機構“牽手”后推出的首批文旅企業(yè)金融幫扶措施。
一系列措施主要聚焦提供專項信貸資金、多種方式緩解還款壓力、實行減費讓利、加快設立文旅支行、開通信貸綠色通道、暢通線上金融服務、提供相關融資服務等七大方面。對文旅企業(yè)來說，這批“金融+文旅”幫扶措施確是看得見摸得著的“解渴良方”。
記者從這批措施中發(fā)現，為有效緩解企業(yè)經濟壓力，四川省農村信用社聯(lián)合社將安排150億元專項信貸額度，重點支持全省重點文旅項目、4A級及以上旅游景區(qū)、傳統(tǒng)景區(qū)提升改造、文旅類特色小鎮(zhèn)、品質旅行社、星級酒店、等級民宿、特色餐飲以及文化制造業(yè)、文化娛樂業(yè)、演藝業(yè)等；根據文旅企業(yè)受疫情影響程度及復產復工計劃，綜合采取變更結息頻率、貸款展期、續(xù)貸、借新還舊、重組等方式緩解到期還款壓力，其中民營和小微文旅企業(yè)最長可申請3個月的寬限期，期間不作為逾期貸款、不上報征信違約、不計罰息復利，對因疫情影響暫時受困文化和旅游企業(yè)堅決不抽貸、不斷貸、不壓貸，而文旅行業(yè)從業(yè)人員則可申請改變還款付息計劃、展期、續(xù)貸、借新還舊等方式。
不僅如此，四川省農村信用社聯(lián)合社積極實行減費讓利，在2020年6月30日前，對所有新開戶的文旅企業(yè)一律免收開戶手續(xù)費；符合條件的民營和小微文旅企業(yè)新增貸款，實際負擔利率可低至3.3%，同時免除貸款押品評估費、抵押登記費；文旅民營和小微客戶存量貸款因疫情影響需續(xù)貸、展期的，利率按原合同下浮10%執(zhí)行，以此減輕文旅企業(yè)負擔。
金融發(fā)力，催生“特色貸”。據了解，四川省農村信用社聯(lián)合社還將加快推動在天府旅游名縣設立文旅特色支行，通過升級支行硬件設施、成立專業(yè)文旅服務團隊、創(chuàng)新文旅信貸產品、豐富營銷渠道等措施加強文旅行業(yè)的金融服務，全年新設8-10家文旅特色支行，并結合各地文旅特色資源及客戶狀況，推出“民宿貸”“鄉(xiāng)旅貸”“彩燈文化貸”等特色信貸產品。
有款可貸的同時如何實現“貸得快”？針對全省文旅重點項目可開通優(yōu)先審批、急事急辦、減利讓費的綠色通道，優(yōu)先開展項目入庫、客戶準入、信用評級、項目授信等內部工作流程，提升辦理質效，并在準入要求、授信額度等方面給予四川農信政策允許范圍內最優(yōu)條件支持。
對各市（州）文旅行政部門推薦的文旅重點企業(yè)，通過“一企一策”制定信貸方案，根據客戶情況匹配有針對性的信貸產品、利率優(yōu)惠及還款方式。
同時，文旅企業(yè)可通過四川農信“蜀信e”手機銀行、96633電話銀行、網上銀行、微信銀行等電子渠道在線申請辦理貸款、展期、轉賬等金融服務；入駐四川農信“蜀信e·惠生活”電商平臺，通過電商平臺進行在線交易和營銷推廣；在四川農信城鄉(xiāng)網點自助銀行服務區(qū)、便民金融服務點、鄉(xiāng)村金融綜合站點等辦理賬戶查詢、現金支取、轉賬匯款、生活繳費、金融咨詢等業(yè)務。
值得一提的是，四川農信聯(lián)動合作的擔保公司、保險公司、證券公司、融資租賃公司等金融機構，多渠道為有需求的文旅企業(yè)提供相關融資服務，協(xié)助企業(yè)爭取最大的費率減免，以此協(xié)助文旅企業(yè)增信降費。
省文旅廳表示，接下來，全省將進一步摸排文旅企業(yè)的信貸需求，及時掌握企業(yè)的復工復產的真實需求，積極通過多種方式幫扶紓困。
責任編輯：FreeMarker template error:
get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception.
The failing instruction (FTL stack trace):
----------
==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50]
----------
Java stack trace (for programmers):
----------
freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...]
at freemarker.ext.beans.BeanModel.get(BeanModel.java:222)
at freemarker.core.Dot._eval(Dot.java:76)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116)
at freemarker.core.Expression.eval(Expression.java:111)
at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115)
at freemarker.core.DollarVariable.accept(DollarVariable.java:76)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visitByHiddingParent(Environment.java:286)
at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.MixedContent.accept(MixedContent.java:93)
at freemarker.core.Environment.visit(Environment.java:265)
at freemarker.core.Environment.process(Environment.java:243)
at freemarker.template.Template.process(Template.java:277)
at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511)
at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke()
at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204)
at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150)
at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96)
at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260)
at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94)
at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172)
at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633)
at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$6958ba50.content()
at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365)
at sun.reflect.GeneratedMethodAccessor8515.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440)
at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428)
at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919)
at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851)
at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953)
at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:656)
at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829)
at javax.servlet.http.HttpServlet.service(HttpServlet.java:737)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88)
at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191)
at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162)
at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193)
at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92)
at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50)
at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41)
at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540)
at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136)
at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77)
at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83)
at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349)
at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594)
at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61)
at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802)
at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627)
at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45)
at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149)
at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624)
at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57)
at java.lang.Thread.run(Thread.java:748)
Caused by: java.lang.reflect.InvocationTargetException
at sun.reflect.GeneratedMethodAccessor7319.invoke(Unknown Source)
at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43)
at java.lang.reflect.Method.invoke(Method.java:498)
at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912)
at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275)
at freemarker.ext.beans.BeanModel.get(BeanModel.java:182)
... 75 more
Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#305]
at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435)
at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189)
at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:178)
at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215)
at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190)
at com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java)
... 81 more
