“穩(wěn)企業(yè)、保就業(yè)” 瀘州農(nóng)商銀行打出金融“組合拳”

2020-07-28 08:08:34    來源:   作者:陳瑩  點擊數(shù):

今年以來,受新冠肺炎疫情影響,瀘州部分民營企業(yè)、中小微企業(yè)經(jīng)營困難凸顯,就業(yè)壓力也增大。瀘州農(nóng)商銀行積極響應(yīng)號召,打出金融“組合拳”,支持瀘州民營企業(yè)、中小微企業(yè)發(fā)展,在“穩(wěn)企業(yè)、保就業(yè)”方面取得階段性成效,為瀘州經(jīng)濟社會發(fā)展貢獻力量。

 

 
01
三個“只要”  為民營小微紓困

 

瀘州農(nóng)商銀行制定了《貫徹落實穩(wěn)企業(yè)保就業(yè)實施方案》,對全行支持的各類企業(yè)特別是小微、民營企業(yè)進行逐戶摸排,制定到今年底還本付息覆蓋面達100%的工作目標,對符合三個“只要”的企業(yè),做到應(yīng)延盡延。即只要企業(yè)提出延期還本付息申請,只要企業(yè)有效擔保,只要承諾保持就業(yè)崗位基本穩(wěn)定,瀘州農(nóng)商銀行100%給予辦理;并和企業(yè)一起想辦法、添措施,充分運用變更還款計劃、延期還本付息、展期、無還本續(xù)貸等措施,解決企業(yè)資金周轉(zhuǎn)困難,保證企業(yè)員工就業(yè)基本穩(wěn)定。

截至6月末,通過采取展期、續(xù)貸、借新還舊、收舊貸新等方式,向160戶小微企業(yè)開展延期還本付息金額1.23億元;向其他中小微企業(yè)延期還本付息7戶,金額2.33億元。

 

 
02
普惠小微  “一個也不落下”

 

瀘州農(nóng)商銀行還制定任務(wù)分解表,將支持普惠小微貸款任務(wù)分解到72家支行,對普惠小微的支持做到“一個也不落下”。作為農(nóng)村金融主力軍銀行和普惠金融主力軍銀行,瀘州農(nóng)商銀行還重點關(guān)注各區(qū)縣農(nóng)戶生產(chǎn)經(jīng)營、禽畜養(yǎng)殖、住宿餐飲、批發(fā)零售等受疫情影響較大的小微企業(yè),提升普惠型小微企業(yè)的貸款增速。

同時,組合運用多種擔保手段,提升普惠小微信用貸款占比,解決小微企業(yè)無抵押物而導致融資難的“瓶頸”;充分運用人民銀行支小再貸款5億元,讓利于小微企業(yè),使普惠小微企業(yè)融資成本持續(xù)下降。截至6月末,普惠小微企業(yè)貸款較年初凈增3.25億元,增速高于各項貸款增速0.07個百分點,普惠型小微企業(yè)有貸款余額的戶數(shù)9783戶,較年初增加67戶,普惠小微企業(yè)融資成本較年初下降65個基點。

 

 
03
產(chǎn)品創(chuàng)新  提升服務(wù)便利度滿意度

 

疫情發(fā)生以來,瀘州農(nóng)商銀行積極探索新的貸款形式,陸續(xù)推出“戰(zhàn)疫貸”“商易貸”等貸款產(chǎn)品,用好用活“整村授信”“1+N金融服務(wù)”“農(nóng)擔貸”“園保貸”等金融產(chǎn)品,支持受疫情影響的企業(yè)復工復產(chǎn),提升服務(wù)便利度和滿意度。

6月9日,瀘州農(nóng)商銀行成立“穩(wěn)企業(yè)、保就業(yè)”政策落地專項領(lǐng)導小組,由黨委副書記“掛帥”、部署,保證政策精準快速落地。人力資源部、信貸管理部、計劃財務(wù)部等部門合署辦公,制定了一套完整的考核體系,確保普惠小微績效考核在綜合績效考核中的權(quán)重提升至10%以上。

瀘州農(nóng)商銀行負責人表示,將嚴格按照中、省、市及省聯(lián)社黨委的決策部署,圍繞“六穩(wěn)”、落實“六保”,勇于擔當,積極作為,堅決做好金融支持穩(wěn)企業(yè)保就業(yè)工作,奪取疫情防控與社會經(jīng)濟發(fā)展的“雙勝利”!

(瀘州農(nóng)商銀行 陳瑩)

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: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