In order to do a good job in financial support for the epidemic prevention and control in Jilin Province, Bank Of Communications Co.Ltd(601328) launched 18 measures to give full play to the role of financial support, help Jilin Province resolutely win the war of epidemic prevention and control, and do a good job in assisting enterprises, stabilizing posts, promoting employment and ensuring people’s livelihood, so as to ensure the safety of food production and the stability of energy supply.
I. attach great importance to and do a good job in all normalized emergency support
(I) comprehensively and strictly carry out epidemic prevention and control. We will further improve our political standing, strengthen organizational leadership, and ensure that leading cadres and Party members play a leading role. We will implement various prevention and control measures strictly, strictly, carefully and realistically, and do not be paralyzed, tired of war and relaxed, so as to ensure a stable response to emergencies. Guide and encourage cadres and employees to participate in voluntary services for epidemic prevention and control in a safe, orderly and convenient manner.
(2) establish an emergency support mechanism during the epidemic. According to the relevant deployment of epidemic prevention and control in Changchun, business continuity arrangements shall be properly made. During the epidemic period, special personnel shall be on duty for key posts 24 hours, and the employees shall adopt the combination mode of remote office and residential and bank office to ensure the normal operation of various businesses and provide uninterrupted full-function financial services.
(III) do a good job in the safety management of business outlets during the epidemic period. Strengthen the safety management of key risk parts such as business hall, cash area, business warehouse and self-service equipment, pay attention to and screen suspicious personnel, and strictly prevent external infringement cases and safety accidents; Master the emergency disposal process and methods of security emergencies and deal with emergencies effectively; Strict personnel access management; Strengthen the disinfection of cash to ensure the safe use of cash by the people.
(IV) earnestly perform the duties of the treasury centralized payment agent bank, and comprehensively ensure the smooth progress of financial emergency payment. In view of the urgent fund allocation and payment needs of financial and other institutions for epidemic prevention and control, establish a rapid response mechanism, simplify the process, resolutely provide financial expenditure guarantee services, and fully cooperate in the payment of subsidies to enterprises and individuals supporting epidemic prevention and control.
(5) adhere to the principle of giving priority to epidemic resistance, handling urgent affairs and handling special affairs. For emergency businesses such as lending, settlement and sale of foreign exchange, account opening and agency issuance of key enterprises, on the premise of controllable risk, simplify the counter business processing process, strengthen operation guarantee, fully support business continuity and ensure uninterrupted business.
II. Increase investment and fully guarantee the supply of credit funds for enterprises fighting the epidemic
(VI) further increase credit support. Support the branch to establish a special class for epidemic prevention guarantee funds and formulate emergency plans to ensure that credit funds are issued and allocated on time and on demand. For the financing needs of “four types of necessary insurance” enterprises and key units in epidemic prevention and control in Jilin Province, take the initiative to connect and respond quickly, and provide special financing service plans. Open up green credit approval and lending channels, and handle urgent and special affairs. Provide special credit scale arrangement and preferential interest rate pricing to ensure the timely investment of funds.
(VII) support the construction of anti epidemic related medical projects. Support the governments of Jilin Province, especially Changchun City and Jilin City, in the construction and operation of shelter hospitals, nucleic acid detection, cleaning and disinfection, closed transportation, treatment, procurement and supply of living materials and other epidemic prevention work by means of emergency relief working capital loans and other means.
(8) strengthen the support for the relief of key enterprises. Pay close attention to the operation of industries greatly affected by the epidemic, such as transportation, catering, tourism, hotels, construction and operating property holding enterprises, provide financial service guarantee in time, and assist enterprises to overcome temporary liquidity difficulties. For enterprises that are really affected by the epidemic and have difficulties in repaying when due, they can carry out temporary extension, loan renewal and repayment arrangement adjustment in the form of telephone confirmation, actively support enterprise rescue, and give credit exemption to enterprises that are temporarily overdue. Ensure the continuous filing of direct financing arrangements for key enterprises, arrange special personnel to follow up the bond underwriting business of key enterprises, ensure the approval efficiency and speed up the approval process. Increase investment support for the issuance of corporate bond financing instruments and local bonds in the province.
(IX) support the orderly resumption of work and production in Jilin Province. Jilin provincial branch will provide more support for the development of Jilin provincial finance and supply chain and other key areas related to the resumption of production, combining with the requirements of Jilin provincial head office, such as the financing of national defense, the resumption of production and financial services, and actively provide support to Jilin provincial branch in key areas such as the resumption of production and financial security.
III. make precise efforts to do a good job in inclusive and Rural Revitalization financial services
(x) provide financial support for spring ploughing production. Implement the relevant requirements of the central government and Jilin Province, on the basis of effectively ensuring the investment of agriculture related loans, coordinate the epidemic prevention and control and financial support for spring ploughing production, make every effort to ensure the liquidity needs of production enterprises such as seeds, chemical fertilizers, pesticides and agricultural machinery, strengthen customer services in the field of agricultural materials and agricultural machinery circulation through leading enterprises of agricultural industrialization, promote “agricultural e-Loan” products, and strengthen large grain growers, cooperatives New agricultural entities such as family farms are supported by credit funds to meet the financial needs of spring farming and production preparation.
(XI) improve service measures for small and micro enterprises. Make full use of the empowerment of scientific and technological means such as big data, conduct due diligence, information collection, underwriting, annual review and other processes for small and micro enterprises in the way of Wuxi Online Offline Communication Information Technology Co.Ltd(300959) combination and on the premise of ensuring compliance. Make full use of “bank tax interaction” and other platforms to accurately serve small and micro enterprises, and adjust the credit loan verification strategy in combination with the government’s preferential policies such as tax relief. For customers who meet various support policies such as deferred tax payment of the state, they can take the initiative to increase the renewal credit line. Continue to enable “inclusive e-Loan” online comprehensive financing products, and further increase the financing supply of first loan and credit loan for small and micro enterprises.
(XII) take the initiative to deal with small and micro enterprises in industries that have been impacted by the epidemic. We will not blindly withdraw loans, cut off loans and suppress loans. For small and micro enterprise loans and personal operating loans due within 2022, we will continue to implement support policies such as delayed repayment of principal and interest, so as to protect the rights and interests of customers related to credit investigation and help them tide over the difficulties. For the interest payment of “Pratt & Whitney e-Loan” financing customers during the epidemic period, postpone, extend and adjust the repayment plan as appropriate to support customers to flexibly deal with the temporary repayment difficulties caused by the epidemic.
(XIII) increase efforts to reduce fees and interest rates for large, small and micro enterprises. Free of small and micro enterprise loan commitment fee, corporate account overdraft commitment fee, fund management fee, financial advisory fee and other fees. Guarantee the supply of credit resources for key enterprises in epidemic prevention and control, such as drugs, protective articles and medical equipment, and actively implement preferential interest rates and reduction of settlement expenses.
IV. take multiple measures to fully support retail customers affected by the epidemic
(XIV) promote fee reduction and profit transfer. From April to the end of the year, new debit card customers under the jurisdiction of Jilin Branch will be exempted from annual fees and ordinary card production costs, and free discounts will continue to be given to inter-bank self-service equipment withdrawal and mobile bank transfer fees. Carry out service charge preferential activities for QR code acquiring merchants.
(XV) provide repayment policy support to medical staff and government staff participating in epidemic prevention and control, confirmed patients, isolated personnel (including isolated observers), suspected patients, as well as the spouses of the above-mentioned personnel and other personal loan customers, and give a grace period of three months as appropriate.
For employees, the borrower (co borrower) belongs to wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism, real estate, entertainment and exhibition, business circulation, cultural and sports performances, film and television theaters, offline education and training, livestock and poultry aquaculture and other industries greatly affected by the epidemic. The borrower or co borrower complains about layoffs, unemployment, income decline and other situations caused by the epidemic, Can be directly identified. For individual loan customers affected by the epidemic and temporarily reduced repayment ability, a certain grace period and credit investigation and relief support can be given according to the policy during the epidemic prevention and control period.
v. technology empowerment to improve the quality and efficiency of online financial services
(XVI) increase guidance on online financial services and non-contact services. Advocate online office and paperless office, provide online corporate financial services without leaving home, and realize a series of functions such as daily accounting processing, centralized management of group funds, online opening and acceptance of bills, second pasting of bills, online factoring, online financial management, “inclusive e-Loan” application and withdrawal through online channels such as enterprise online banking, enterprise mobile banking and bocom smart financial service platform, so as to ensure the safety and stability of enterprises Handle all businesses efficiently. Improve the online level of business through online channels such as mobile banking, Bank of communications on cloud and 95559 customer service to ensure uninterrupted financial services during the epidemic. With the help of the cloud bank of communications channel, it provides online one-to-one video business guidance for home customers, and solves the problem that customers cannot go to the outlets to handle business in person due to epidemic prevention and control.
(XVII) ensure that the cross-border collection and payment channels of enterprises are unblocked, and provide timely foreign exchange settlement and sales transactions and interest rate and exchange rate risk management services. Document settlement is handled quickly to ensure uninterrupted business. Open a green channel, handle special affairs, simplify the review process of offline paper materials such as foreign exchange purchase, remittance and foreign currency account opening, and ensure the smooth flow of cross-border settlement and trade financing business during the epidemic. Provide full product online cross-border financial services to fully support customers’ remote non-contact business processing needs.
(XVIII) help stabilize the supply chain of key industrial chains in Jilin Province. Strengthen the promotion of online financing services in key areas such as medicine and medical treatment, people’s livelihood security, living materials and construction, focus on promoting a series of products such as online acceptance, online discount, online factoring and online second release, and drip credit funds into all links of the industrial chain efficiently and accurately, so as to help enterprises tide over the epidemic smoothly.
