It is very important to do a good job of “six stabilities” and “six guarantees”. Recently, the reporter learned from Shantou financial work bureau that since last year, Shantou has made efforts to increase the credit supply of financial institutions, further reduce the financing cost of enterprises, continuously promote the direct financing of listing, boost the development of Inclusive Finance, innovate the design of financial products, strictly prevent and understand financial risks, strengthen the guarantee of financial services, and deeply implement the work of “stabilizing finance”, Clarify the timetable and road map, take a number of measures such as platform construction, system innovation, policy guidance and departmental linkage, form a work closed-loop mechanism for efficient promotion, continuously improve the financial ecological environment of Shantou, and constantly show the construction effects of “stabilizing finance” and “ensuring market players”.
Insurance agency staff went to the field to check the disaster situation. Picture provided by the interviewee
stable credit
give play to the role of market players
According to statistics, by the end of January 2022, the balance of deposits in domestic and foreign currencies in Shantou was 462648 billion yuan, a year-on-year increase of 10.7%; The balance of domestic and foreign currency loans was 265134 billion yuan, a year-on-year increase of 14.7%. By the end of 2021, the annual deposits and loans had increased by 38.582 billion yuan and 29.641 billion yuan respectively, with an increase of 11.602 billion yuan and 24.501 billion yuan respectively year-on-year. The increment ranked first in eastern, Western and northern Guangdong
At the same time, the interest rate of new RMB enterprise loans decreased by 0.13 percentage points year-on-year, saving nearly 112 million yuan in interest costs for enterprises; The non-performing loan ratio in the jurisdiction was 1.31%, a decrease of 0.33 percentage points year-on-year compared with the beginning of the year since last year, with the gradual promotion and development of key projects and enterprise production and operation, financial support to market players has been strengthened
After the incremental interest reduction, small and medium-sized enterprises are also facing the problem of lack of guarantee. In order to give full play to the market vitality of small and medium-sized enterprises, at the end of 2021, with the support and promotion of the governments of Shenzhen and Shantou, Shenzhen guarantee group and Shantou investment holding group jointly increased the capital of Shantou small and medium-sized enterprise financing guarantee Co., Ltd. by 92 million yuan, and the capital of Shantou small and medium-sized guarantee company increased to 250 million yuan. The service ability of government financing guarantee institutions to small, medium-sized and micro enterprises has been brought into play, and the cost of financing guarantee enterprises has been effectively reduced.
It is understood that in 2021, the financing guarantee rate of government financing guarantee institutions for small and micro enterprises decreased to less than 1%. Under the role of financing guarantee, the inclusive refinancing rediscount policy encourages further support. In 2021, Shantou issued a total of 1.329 billion yuan of refinancing for agriculture and small expenditure, and handled a rediscount of 758 million yuan (increase). Continue to promote the implementation of Pratt & Whitney small and micro enterprise loan extension support tools and credit loan support plans. A total of 1781 financial institutions under their jurisdiction have implemented phased deferred repayment of principal and interest, involving a loan amount of 7.692 billion yuan; Pratt Whitney small and micro credit loans increased by 2.763 billion yuan over the beginning of the year.
listed companies, as the leader of the industry, are the most dynamic economic entities. In recent years, Shantou has continuously improved the quality of listed companies and promoted enterprises to use multi-level capital market for financing it is understood that in 2021, Shantou added 5 companies applying for listing and successfully realized 3 A-share listing. It is the only city in eastern Guangdong to realize the listing of 3 new enterprises, with a total market value of more than 200 billion yuan, an increase of about 35% year-on-year. At present, there are 34 listed companies in Shantou. Listed enterprises with efficient growth and high-quality development have played a mainstay role in urban industrial construction.
In order to improve the direct financing ability of listed companies, Shantou formulated a three-year action plan for enterprises to achieve high-quality development by using the capital market, and revised and improved policy documents such as incentives for enterprises to use the capital market for financing and development; Establish the Shantou base of Shenzhen Stock Exchange, sign the capital market information service co construction cooperation agreement with Shenzhen Stock Exchange, and promote the work flow, electronic business and intelligent service of listing cultivation of enterprises in Shantou; The first Development Promotion Association of Listed Companies in eastern Guangdong was established to help listed enterprises implement resource integration, strategic transformation and become bigger, stronger and better through the industry self-discipline management of the association.
risk prevention
maintain a good financial ecology
to stabilize finance, we should hold the bottom line of no systemic and regional financial risks different listed companies have different levels of risks and need to implement accurate policies and classified disposal. Since 2021, Shantou has resolved the risks of one delisted company and six listed companies. In the fight against debt evasion, all financial departments fully assisted the rural credit cooperatives in strengthening the collection of non-performing loans. In 2021, the special working group for the collection and disposal of non-performing loans of agricultural cooperative institutions recovered 555 million yuan of principal and interest. Through the rolling investigation and rectification of various risk problems suspected of illegal fund-raising and illegal lending, Shantou is the way to deal with and resolve illegal fund-raising. Last year, Shantou cooperated with and steadily handled 5 cross regional illegal fund-raising cases, closed 6 illegal fund-raising cases, found risk clues and conducted on-site verification for 7 times, realizing the clearing of P2P platforms in its jurisdiction, The prevention and disposal of illegal fund-raising risks have achieved remarkable results.
at the same time, Shantou financial justice launched innovative means courts have realized “quick establishment, quick trial, quick execution and quick settlement” for financial creditor’s rights cases that meet the requirements of entering the litigation procedure. Courts in the city have set up a financial creditor’s rights case trial team to carry out the trial of financial creditor’s rights cases, and all financial creditor’s rights cases are concluded within the trial time limit. Support financial institutions to apply for property preservation in accordance with the law, and open a “green channel” for financial institutions to apply for pre litigation preservation in the filing stage, so as to realize the synchronization of financial cases. We will improve the enforcement mechanism of financial creditor’s rights cases and earnestly implement the disciplinary mechanism for those who break their promises. In 2021, the city’s courts accepted 1720 cases of financial creditor’s rights enforcement, and 1590 cases have been concluded from the risk rating assessment to the recovery of non-performing loans, and then to the accelerated improvement of financial bonds, the bottom line awareness of financial risks has been continuously strengthened
In recent years, Shantou has practical measures to support the real economy. According to the data of Shantou Municipal Bureau of statistics, in 2021, Shantou’s financial industry achieved an added value of 15.057 billion yuan, accounting for 5.1% of GDP, with a year-on-year increase of 4.1%. Since the second quarter, it has shown a quarterly improvement trend, further played a supporting role in the real economy, and boosted GDP growth by 0.21 percentage points, with an average growth of 3.5% in two years.
Over the past year, Shantou Financial Work Bureau has always strengthened overall planning and leadership, focused on promoting the implementation and implementation of several measures, focused on solving the problem of low integration between financial resources and the real economy, promoted the construction of financial infrastructure, and established the advantages of various systems and platforms. Establish an assessment and incentive system for financial institutions to support the development of the real economy, link the annual assessment and ranking results with relevant incentive measures such as the separate deposit of financial funds and the opening of bidding in relevant special accounts, and adopt multiple policies at the same time, so as to effectively enhance the financial support for economic development.
Relying on the “Shantou Huitong” and “Shantou Huirong” development platform, we will improve the efficiency of small and medium-sized enterprises’ rapid connection with the “Guangdong Huitong” and “Huirong” development platform. Establish offline docking mechanism organize banking institutions within their jurisdiction to set up financial service groups and visit enterprises in all districts, counties and industries on site to improve the initiative and pertinence of financing docking services. Implement financial funds as credit risk compensation, introduce insurance institutions to provide loan insurance for small and micro enterprises that lack effective collateral, and solve the problem of no collateral or lack of effective collateral for small and micro enterprises’ loans.
Workers in the new factory building of the garment factory are arranging dye vats. Picture provided by the interviewee
solid guarantee
improve local financial services
the continuous innovation and improvement of financial products and service system, the “sinking” of financial services to the grass-roots level, and the gradual improvement of infrastructure have laid a solid guarantee network for local economic development, so that enterprises can safely integrate into the “fast lane”
For platform construction services, Shantou strives for the smooth warehousing of the Shantou project of Guangdong Province’s special fund for promoting high-quality economic development in 2021, supports the construction of a cross-border e-commerce comprehensive payment and settlement platform in Shantou comprehensive test zone, and provides safer and more convenient cross-border capital settlement comprehensive services for small and medium-sized enterprises. In terms of implementation results, Shantou Financial Work Bureau actively strives for the guidance and support of higher-level banks (bureaus), and strives to promote the implementation and trial implementation of financial innovative products with the help of the policy advantages of Shantou overseas Chinese pilot zone. The first cross-border transfer of trade financing assets, centralized operation and management of cross-border funds and the opening of FTN accounts in eastern Guangdong have been gradually implemented. By the end of 2021, the business scale of cross-border transfer of trade financing assets had reached 1.044 billion yuan, and the business scale of centralized operation and management of cross-border funds had reached 6.22 million US dollars. Pilot “regulatory sandbox”. With the support of the Provincial Local Financial Supervision Bureau, the innovation pilot work of the two supply chain financial platforms was promoted in the form of “regulatory sandbox”.
all financial institutions jointly create financial service products for different enterprises it is reported that after the “Implementation Opinions on promoting the” industrial reform “and promoting the high-quality development of the industry” was issued, Shantou Financial Work Bureau planned in advance and took the initiative to timely guide the financial institutions within its jurisdiction to improve the policies of financial support for the “industrial reform” project in combination with the implementation opinions, A total of 37 “industrial reform” credit product information and bank consultation contact information of 20 banks within their jurisdiction have been accurately introduced, compiled and released, and more credit support has been given to relevant project development subjects in terms of access threshold, guarantee conditions and qualification, so as to cover the whole process of front-end collection and storage, open construction and sales collection. At the same time, joint enterprises, financial institutions and various financial departments held training meetings, which formed a good learning and exchange atmosphere and became a strong backing for enterprises.
In addition, in terms of grass-roots financial services, Shantou’s various financial institutions began to set up Rural Revitalization financial service stations, optimize rural financial services, sink service outlets and electronic machines and tools, and realize the listing and establishment of the first batch of 12 Rural Revitalization financial service stations to ensure full service coverage in rural areas; Comprehensively promote the “universal access to finance for Rural Revitalization”. By the end of 2021, all rural commercial banks have completed the launch of 1089 one-piece machines for Shantou administrative village government services, creating the integration of “government affairs + finance” services and realizing the full coverage of administrative villages in the city; In 2021, 10 new mobile payment demonstration towns will be built, which will promote at least 10% of towns (streets) in the city to meet the acceptance standards of mobile payment demonstration towns, and complete the comprehensive coverage of merchants’ mobile payment acceptance in rural areas.
in terms of financial infrastructure construction, Shantou actively explores the reform direction of the modernization of financial governance in its jurisdiction. The city has created 386 demonstration sites of “safe financial outlets”, accounting for 48% of the total number of outlets of financial institutions under its jurisdiction. Haojiang District has created the second “safe financial security demonstration zone” in the province, Initially build a ping an financial network model with Shantou characteristics. Smooth financial complaint channels. Through the organic integration of complaint hotline, Arbitration Commission and court in handling financial contradictions and disputes, a perfect multi docking channel for financial disputes has been established. In 2021, 223 complaints in the field of financial consumption were handled, and 18 cases of financial consumption disputes were successfully mediated, which has played an important role in resolving social contradictions and saving social resources.
promotes financial services to sink to the front line of villages and towns, financial knowledge publicity is essential. Since the establishment of the Rural Revitalization financial service team, it has organized and compiled 56 credit product manuals for individual industrial and commercial households to provide channels for the majority of individual industrial and commercial households to systematically understand special financial products. Through on-site publicity, webcast, media reports and other forms, we further improved the people’s risk awareness and identification ability, and formed a good external environment for creating and optimizing the local financial environment in Shantou.
front line practice
financial institutions improve the efficiency of financing services for the “industry to industry” project
ease the financing difficulties of small and micro enterprises
Recently, the steam in the Hehui garment factory of Shantou Chaonan textile printing and dyeing environmental protection comprehensive treatment center is swirling and the machines are roaring, and the new plant is being purchased in a tense and orderly manner. About a month ago, Mr. Zhuang, the business owner, obtained a “loan for purchase in the park” from Shantou China Construction Bank Corporation(601939) branch. With financial support, he successfully settled in the park and began to lay out his own industrial blueprint
“Park purchase loan” is a loan issued by CCB for small and medium-sized enterprises settled in the park to purchase general plants in the park the main advantage of this product is that it can meet the financing needs of small, medium-sized and micro enterprises in batches by strengthening cooperation with science and technology parks and industrial incubation parks approved by the national government.
As a characteristic credit product for CCB Shantou branch to implement the implementation opinions on promoting the implementation of “industrial reform” to promote the high-quality development of industry, it can provide exclusive financing services for small and micro enterprises involved in the “industrial reform” project, alleviate enterprise financing problems, improve the efficiency of financing services for the “industrial reform” project, and help the high-quality development of modern industrial industry in Shantou.
Chaonan textile printing and dyeing environmental protection comprehensive treatment center is located at the junction of Longtian town and Jingdu town. The planned land area is about 3750 mu. It is constructed in PPP mode with a total investment of 4.326 billion. The construction contents of the project include sewage treatment plant, combined heat and power supply project, water diversion project, sea drainage project, general plant, self built plant, etc. it has been rated as “Guangdong recycling transformation pilot park” by Guangdong Provincial Department of industry and information technology. The circular economy industrial chain in the park, which integrates textile, printing and dyeing, water supply, sewage treatment, renewable water use, cogeneration, solid waste treatment and recycling, is a new development model of the local textile printing and dyeing industry under the new environmental protection situation.
Since the establishment of the park, enterprises have been attracted to invest and build factories. Since enterprises need to invest a large amount of money in the park, in order to meet the needs of small and micro enterprises in the park and solve the problem of capital turnover, Shantou branch of China Construction Bank innovatively launched the “Park purchase loan” for small and micro enterprises, for small and micro enterprises in the park who need to buy industrial plants, R & D buildings, supporting staff dormitories, office buildings, commercial buildings and storage buildings, provide financing services of up to 30 million yuan and up to 10 years.
By the end of January 2022, the branch had provided “loan for purchase in the park” services for seven small and micro enterprises, with a total loan of 27.6 million yuan.
According to Mr. Zhuang, for the new garment factory, they bought two factories with a total area of more than 3300 square meters. In fact, when deciding to settle in the new park, I was worried about the capital, because to set up a new factory in the new park, the capital demand of every link except plant, new equipment and new decoration is not small, and the capital demand of small and micro enterprises is large and urgent. If we can obtain large-scale financing support from banks, it will be of great help to the development of enterprises in the park.
“From declaration to loan, the bank has accurately solved the difficulty of our entering the park to set up a new factory, which gives us the confidence to enter the park.” Business owner Mr. Zhuang said. In less than two weeks, CCB successfully granted an 8-year “Park loan” of 7.7 million yuan to Hehui garment factory in Chaonan District, Shantou City on January 26 this year, with a loan interest rate of 5.15%, which effectively alleviated the financing difficulties and high financing of the enterprise.
The relevant person in charge of the bank told reporters that facing customers with urgent financing needs such as Mr. Zhuang, who have tight time and large amount, when enterprises apply for “Park purchase loan”, Shantou CCB Bank branch will open a green approval channel for enterprises and equip them with an exclusive Customer Manager to provide services in the whole process of data collection, communication and follow-up feedback
in response to the cold wave, Shantou insurance industry responded quickly
help farmers resume production after disaster
Recently, the weather has warmed up and the cold has dissipated. According to statistics, as of February 25, four agricultural insurance institutions in Shantou had received 31 reports, with a reported loss of nearly one million. Since February 18, Shantou has been affected by strong cold air, with a minimum temperature of about 7. The meteorological department has issued a cold yellow warning signal. Affected by this, some crops in Shantou have been greatly affected. The crops affected this time include fruits, corn, vegetables, etc in the face of the disaster, the insurance industry in Shantou responded quickly and actively, went deep into the fields, helped the insured farmers implement protective measures, settled claims in time, and helped the insured farmers resume production after the disaster
After receiving the warning of cold air, Shantou’s agricultural insurance undertakings issued guidelines on meteorological disaster warning and crop cold and frost prevention through various channels including official public official account, agricultural insurance platform, WeChat circle of friends, etc., guiding farmers to undertake crop cold and frost prevention measures to minimize the losses caused by cold weather. People’s property insurance Shantou branch launched the “Internet of things data platform” to provide real-time and reliable data support for goose farmers through accurate early warning information and technical advantages; Ping An Property Insurance Shantou Branch issued a low temperature warning notice to the farmers under its jurisdiction in advance, sorted out and made agricultural protection measures for the cold wave and sent them to the farmers to guide the farmers to take precautions in advance and reduce losses. The detector installed by the company for fruit farmers also provides convenience for fruit farmers in coping with the cold wave. Fruit farmers can intuitively understand the field temperature, humidity, sunshine time, soil conditions and other data through mobile phones, and take countermeasures in time.
to help farmers reduce losses, insurance company staff came to farmers to guide disaster prevention PICC Property and casualty insurance staff went to check the crops such as cold and damp prone fruit trees and vegetables in batches to guide farmers to take disaster and loss prevention measures such as bagging and heat preservation of hanging fruits and guidance on the application of warm fertilizer. Ping An Property Insurance agricultural insurance service team assisted farmers in draining the flooded vegetable base to reduce the loss of flooded vegetables. The warm service makes the insured farmers feel the significance of insurance. The insurance company can not only fulfill the responsibility of compensation, but also tide over the difficulties with the insured.
in carrying out insurance survey and loss determination, insurance companies make full use of scientific and technological means to improve disaster prediction ability and effectively reduce farmers’ losses for the damaged farmers with a wide planting area, PICC Property Insurance uses UAVs to assist farmers to inspect the disaster situation of crops, improve the efficiency of on-site survey, stop losses and rescue in time, and reduce disaster losses; For meteorological index insurance, the company actively connects with the meteorological department, provides relevant data, assists in issuing meteorological certificates, and quickly starts the claim settlement process. At present, the relevant insurance companies have started the claim settlement procedure for the farmers who have completed the loss determination to help the farmers resume production as soon as possible. The guava planted by Beizhong planting and breeding farmers’ Professional Cooperative in Xinxi Town, Longhu District has been frostbitten by the cold weather. After receiving the report, China Property Insurance Shantou Central Branch immediately carried out on-site investigation and quickly paid 12000 yuan of compensation within 48 hours; The fruits insured by Weiye planting and breeding professional cooperative also suffered losses in this cold wave. Within 24 hours of reporting the case, they received 18000 yuan of compensation, and the company also sent them cold proof materials.
Shantou Insurance Industry Association said that natural disasters have a great impact on agricultural production. Farmers should make full use of commercial insurance to add “safety cover” to crops and reduce losses caused by natural disasters Shantou’s insurance industry will also implement the spirit of the No. 1 document of the central government, help make new progress in rural revitalization, promote the expansion and increment of agricultural insurance business, and contribute to the implementation of industrial upgrading in Shantou.
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