德陽(yáng)農(nóng)信社助力民企健康發(fā)展

2019-04-19 14:57:36    來源：   作者：  點(diǎn)擊數(shù)：

長(zhǎng)期以來，德陽(yáng)農(nóng)信社緊扣省聯(lián)社黨委決策部署，把民營(yíng)和小微企業(yè)作為重要合作伙伴，充分發(fā)揮點(diǎn)多面廣、決策快捷、服務(wù)靈活的優(yōu)勢(shì)，不斷探索提升民營(yíng)及小微企業(yè)貸款可得性和滿意度，致力于打造地方金融主力軍銀行，千方百計(jì)支持全市民營(yíng)及小微企業(yè)健康發(fā)展。

 

“農(nóng)信態(tài)度” 提振民企發(fā)展信心

2018年11月，德陽(yáng)農(nóng)信社在全省農(nóng)信系統(tǒng)率先召開加大民營(yíng)及小微企業(yè)金融服務(wù)工作會(huì)，要求全市農(nóng)信社拿出務(wù)實(shí)舉措，確保支持民營(yíng)和小微企業(yè)發(fā)展取得實(shí)效。出臺(tái)《進(jìn)一步強(qiáng)化民營(yíng)及小微企業(yè)金融服務(wù)工作的指導(dǎo)意見》。2018年，德陽(yáng)農(nóng)信社組織召開10場(chǎng)民營(yíng)企業(yè)懇談會(huì)，累計(jì)與1000余家企業(yè)對(duì)接信貸需求，通過懇談會(huì)現(xiàn)場(chǎng)達(dá)成貸款意向超過60億元，以誠(chéng)懇的“農(nóng)信態(tài)度”為全市民營(yíng)及小微企業(yè)增添了發(fā)展信心。

 

“農(nóng)信溫度” 消融民企融資冰山

德陽(yáng)農(nóng)信社根據(jù)企業(yè)信用狀況，加大利率優(yōu)惠幅度，2018年對(duì)民營(yíng)及小微企業(yè)平均下調(diào)貸款利率1個(gè)百分點(diǎn)，讓利近億元。還先后開通了代繳稅費(fèi)、代辦營(yíng)業(yè)執(zhí)照登記、代繳水電氣費(fèi)、代發(fā)企業(yè)員工工資業(yè)務(wù)，為企業(yè)往返辦理業(yè)務(wù)節(jié)約了大量的人力和物力成本。

 

“農(nóng)信速度”  推動(dòng)民企穩(wěn)步向前

2018年11月，德陽(yáng)農(nóng)信社上線“集中審貸系統(tǒng)”，改變了傳統(tǒng)現(xiàn)場(chǎng)查看、翻閱紙質(zhì)資料的方式，由信貸管理部門通過電腦終端集中在線審查，縮短審查審批流程，提高信貸評(píng)估效率，有效緩解傳統(tǒng)審貸模式時(shí)間過長(zhǎng)的問題。2019年3月1日，德陽(yáng)農(nóng)商銀行與市不動(dòng)產(chǎn)登記中心合作，在該行設(shè)立抵押登記便民服務(wù)點(diǎn)，在全市金融機(jī)構(gòu)中率先實(shí)現(xiàn)“抵押登記最多跑一次”的服務(wù)，大大縮短了抵押貸款辦貸流程和時(shí)間，“農(nóng)信速度”讓該行客戶過去“往返銀行和登記部門、長(zhǎng)時(shí)間排隊(duì)辦理抵押登記”成為歷史。

 

“農(nóng)信力度” 助力民企動(dòng)力不減

2018年7月，省聯(lián)社與德陽(yáng)市政府簽訂《共同推進(jìn)實(shí)施鄉(xiāng)村振興戰(zhàn)略合作協(xié)議》，明確到2022年向德陽(yáng)市新型農(nóng)業(yè)經(jīng)營(yíng)主體、實(shí)體企業(yè)、重大項(xiàng)目等授信800億元。德陽(yáng)農(nóng)信社積極對(duì)接實(shí)體企業(yè)金融需求，加大信貸投放力度。截至今年3月，已向各類經(jīng)營(yíng)主體投放貸款378.94億元，有序推進(jìn)協(xié)議內(nèi)容全面落實(shí)到位。

 

“農(nóng)信深度” 支持民企弄潮搶灘

德陽(yáng)農(nóng)信社在運(yùn)用好現(xiàn)有“放心貸”“循環(huán)貸款”“流動(dòng)資金貸款”等產(chǎn)品的基礎(chǔ)上，加速推出“專利權(quán)質(zhì)押貸款”“商標(biāo)質(zhì)押權(quán)貸款”“稅金貸”“園保貸”等特色貸款產(chǎn)品，拓寬了小微實(shí)體企業(yè)的融資渠道。德陽(yáng)農(nóng)商銀行率先推出注冊(cè)商標(biāo)專用權(quán)質(zhì)押貸款，向四川陽(yáng)光盛源商業(yè)有限公司、四川琪達(dá)實(shí)業(yè)集團(tuán)有限公司等6家企業(yè)發(fā)放注冊(cè)商標(biāo)專用權(quán)質(zhì)押貸款6筆、金額1600萬元，有效滿足了企業(yè)個(gè)性化的信貸需求。

今年，德陽(yáng)農(nóng)信社將在省聯(lián)社統(tǒng)籌安排下，繼續(xù)當(dāng)好民營(yíng)和小微企業(yè)的“貼心人”，與民營(yíng)及小微企業(yè)結(jié)伴而行，迎來民營(yíng)經(jīng)濟(jì)發(fā)展新的春天。（李凱）

 

 

責(zé)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:182) 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