自貢農(nóng)商銀行多措并舉助力小微企業(yè)

2020-07-28 08:10:47    來源：   作者：黃慧君 孫茂碩  點擊數(shù)：

自新冠肺炎疫情發(fā)生以來，四川農(nóng)信自貢農(nóng)商銀行深入貫徹黨中央國務院、省委省政府及省聯(lián)社黨委決策部署，充分發(fā)揮地方金融主力軍銀行戰(zhàn)疫情、促發(fā)展的積極作用，用好貨幣工具，用足信貸政策，因時因地打出“利率優(yōu)惠、延期還本、調(diào)整付息、產(chǎn)品定制、快速辦貸”的金融戰(zhàn)“疫”組合拳，全方位助力小微企業(yè)復工復產(chǎn)，與地方企業(yè)守望相助、共克時艱，全力以赴做好“六穩(wěn)”工作、落實“六保”任務。

大力推廣“戰(zhàn)疫貸”，為穩(wěn)產(chǎn)保供“輸血”。搶抓“戰(zhàn)疫貸”業(yè)務窗口期，快速摸排復工復產(chǎn)、春耕春種、畜禽養(yǎng)殖急需資金，以及吸納就業(yè)能力較強的小微企業(yè)，通過廣泛宣傳、嚴格甄別，向135戶普惠小微企業(yè)發(fā)放“戰(zhàn)疫貸”2.9億元。向86戶小微企業(yè)和新型農(nóng)業(yè)經(jīng)營主體發(fā)放支農(nóng)、支小再貸款1.55億元。以上業(yè)務，彌補了小微產(chǎn)品價格短板，預計將為普惠小微企業(yè)讓利1200萬元，為穩(wěn)產(chǎn)保供注入了金融力量，發(fā)揮了穩(wěn)經(jīng)濟、穩(wěn)預期的重要作用。

做好延期還本付息，為復工復產(chǎn)“減壓”。積極落實關于進一步對中小微企業(yè)貸款實施階段性延期還本付息工作要求，逐戶摸底調(diào)查，簡化辦理手續(xù)，提高響應效率，在有效防控風險的基礎上，對符合國家產(chǎn)業(yè)政策及行業(yè)信貸政策、提出延期還本付息申請的普惠小微貸款做到“應延盡延”。截至目前，已執(zhí)行普惠小微貸款階段性延期還本付息共149戶、2.5億元。預計到年底將辦理普惠小微貸款本金延期806戶、金額11億元。

堅持讓利小微企業(yè)，為紓困復蘇“蓄力”。綜合采取變更結息頻率、展期、續(xù)貸、借新還舊、重組等對受困小微企業(yè)予以紓困，且在轉貸時利率均下調(diào)10%。截至6月末，累計為疫情受困客戶降息149戶、金額 4.2億，合同期降息達912萬元。在“增量”“擴面”“提質(zhì)”“降本”上持續(xù)用力，適度增加信用貸款、提高首貸率、降低利率，并單列普惠小微業(yè)務目標、提高普惠小微考核權重，通過機制撬動，提升小微企業(yè)覆蓋面和獲得感。截至6月末，普惠小微貸款余額為56億元，較年初增長6億元、增幅12.19%，高于各項貸款增速0.17個百分點。同時，避免企業(yè)貸款到期后借用過橋資金或占用企業(yè)流動資金，辦理無還本續(xù)貸106戶、8.29億元，預計到年底將為企業(yè)降低融資成本2500萬元。

 

加大金融產(chǎn)品創(chuàng)新，為融資難題“解鎖”。在原有的“農(nóng)擔貸”“提升貸”等產(chǎn)品基礎上，陸續(xù)推出“隨商貸”“卡貸通”“地攤好貸”等信貸產(chǎn)品，發(fā)放以上創(chuàng)新產(chǎn)品貸款2.22億元，有效支持了無抵押物、復產(chǎn)復商急需資金的小微企業(yè)116戶、農(nóng)戶和個體工商戶1120戶。對受疫情影響、暫遇困難的彩燈文化旅游行業(yè)發(fā)放“彩燈文化貸”8筆、6010萬元，并向彩燈商會企業(yè)授信5億元，做地方重要產(chǎn)業(yè)的堅強后盾。同時，從服務好疫情防控和地方經(jīng)濟社會發(fā)展大局出發(fā)，為防“疫”企業(yè)開辟“綠色通道”，特事特辦、急事急辦，如兩天內(nèi)向支持武漢雷神山醫(yī)院建設的威鵬電纜增加貸款1000萬元、利率執(zhí)行“LPR定價+0基點”的，累計為7戶防“疫”企業(yè)提供產(chǎn)能擴大信貸資金9680萬元，為各級醫(yī)療、衛(wèi)生及防疫單位提供信貸支持2.47億元。

截至2020年6月末，自貢農(nóng)商銀行各項貸款余額141億元，較年初凈增10.63億元，較去年同期多增4.95億元，預計到2020年底將為復工復產(chǎn)小微企業(yè)讓利7000萬元，到2021年6月底預計讓利將達1.5億元。通過持續(xù)加大對戰(zhàn)疫復產(chǎn)的融資對接和降息讓利，既培植了一批有基礎、有實力、有前景的優(yōu)質(zhì)客戶，促進了地方經(jīng)濟恢復發(fā)展，也贏得了黨委、政府和社會各界的高度評價，彰顯了地方金融主力軍銀行的作為和擔當。下一步，自貢農(nóng)商銀行將繼續(xù)提高政治站位，抓實抓細紓困幫扶，加大加快信貸投放，全力以赴助力地方經(jīng)濟發(fā)展，以實際行動書寫“四川農(nóng)信，四川人民自己的銀行”。 

（自貢農(nóng)商銀行 黃慧君 孫茂碩）

 

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