"With high morale, we will make every effort to attack the second quarter, ensure double half, strive to win double victories in epidemic prevention and control and economic and social development, and lay a solid foundation for achieving the annual economic and social development goals." Recently, the Bank of Jiangxi held a meeting of the Party committee to convey and learn the spirit of the provincial economic operation analysis conference in the first quarter and the mobilization video conference of "attacking the second quarter and ensuring double half", requiring the bank to firmly grasp the economic work idea of "stabilizing, improving and optimizing", fully implement the requirements of "eight strong attacks" and make every effort to fight the tough battle in the second quarter.
| respond quickly | sound the "assembly number"
In the first quarter of this year, the operation of Bank of Jiangxi achieved a stable start, and all indicators were stable and good. In the second quarter, as a critical moment for the full sprint of the annual goal, the Bank of Jiangxi thoroughly implemented the decision-making and deployment of the provincial Party committee and the provincial government, anchored the "double half" goal, actively coordinated the double "No. 1 project" of our province, focused on the relief of enterprises and the construction of major key projects in the province, and interpreted the financial mission and responsibility with practical actions.
We will deepen Inclusive Finance, green finance, rural finance and citizen finance, cultivate transformation and development potential, and help the sustained recovery and high-quality development of the economy. Take the initiative to serve the front, focus on the key large and medium-sized construction projects promoted by Jiangxi Province, digital economy industrial track, digital economy agglomeration area, key enterprises and key projects, single champion of manufacturing industry, specializing in special new "little giant", green energy conservation and carbon reduction, strengthen product and service innovation, actively use white list access, speed up approval process, special scale guarantee and FTP preference, and increase policy support and resource preference, Continuously improve the quality of financial services.
We will actively implement the central government's policy of reducing fees and transferring profits to the real economy and Jiangxi's "28 policies and measures to help enterprises rescue", and implement preferential interest rates on loans to small and micro enterprises and individual industrial and commercial households in industries such as production and manufacturing, transportation, wholesale and retail, accommodation and catering, cultural tourism and other industries greatly affected by the epidemic. From January to April this year, 10.4 billion yuan of inclusive small and micro loans were issued to support the development of 10397 inclusive small and micro enterprises and individual industrial and commercial households. The amount of direct fee reduction and profit transfer reached more than 68 million yuan, effectively reducing the comprehensive financing cost of enterprises and helping the sustainable recovery of the real economy.
In line with the upgrading of consumption, we have continuously improved the personal credit product "Jiangyin express loan" to meet the comprehensive consumer credit needs of various citizen groups, such as clothing, food, housing and transportation. Since this year, we have invested more than 2.5 billion yuan in personal consumer loans, with a year-on-year increase of 71%. In terms of consumer payment preferences, we have strengthened the Internet payment marketing activities of savings card, which has driven customers' consumption of 36.916 million yuan, helping residents' diversified consumption needs.
Keep in mind the mission of local banks and fully serve the local economy. With the sense of urgency of not waiting for time and seizing the day, Jiangxi bank made a strong attack on the second quarter and sprint to "double half", showing new achievements and achieving new breakthroughs in comprehensively promoting the work of serving the real economy, preventing and controlling financial risks and deepening financial reform.
| deeply cultivate the local land | play a "combination fist"
Continue to optimize and innovate online credit products, focus on supply chain finance, strengthen the cooperation between "government bank" and "bank guarantee", enrich the product system, and continuously improve the service quality and efficiency of small and micro enterprises; Further strengthen the effective supply of credit resources, comprehensively guarantee the financing needs of key production enterprises of epidemic prevention and control materials and enterprises affected by the epidemic, and help enterprises resume work and production; We will introduce preferential consumer credit and other measures to strengthen financial services to support residents' consumption, so that people can settle down and live and work in peace and contentment; Continue to sink services, actively meet the financing needs in the field of rural revitalization, strengthen the guarantee of "agriculture, rural areas and farmers", help the high-quality development of "one county and one industry", and maintain the credit supply in poverty-stricken areas
As a local legal person bank, it serves key areas and weak links such as small, medium-sized and micro enterprises, new citizens, individual industrial and commercial households and new agricultural entities, which are related to the development of the real economy on the one hand and the people's livelihood on the other. In the second quarter, the Bank of Jiangxi continued to play the role of the main force of local finance, firmly stood with the government, enterprises and people, strengthened financial services, played a "combined fist" to combat the impact of the epidemic, and helped resume work, business and market. The more difficult it is, the more awesome it is. The Bank of Jiangxi has set the goal of increasing credit by 25billion yuan in the first half of the year. It wants to achieve that the second quarter is stronger than the first quarter, and strive to run out of the "acceleration" of high-quality development.
Increase credit support. Make full use of the policy tools of small and medium-sized refinancing, enrich credit products and precise credit delivery, further relax the access conditions for small and Micro customers by using the fist products such as "super credit", "Rongyi loan" and "cloud enterprise chain", continue to increase the loan delivery to inclusive small and micro enterprises in the fields of advanced manufacturing, strategic emerging industries, scientific and technological innovation and key industrial clusters in the province, and provide loans to small and micro enterprises with temporary business difficulties affected by the epidemic, We will extend loans without repayment of principal, without taking out loans, without continuous loans and without pressure on loans, so as to ensure that "all loans should be made". In the second quarter, we raised 15 billion yuan of credit funds for special credit in key areas, so as to ensure the continuous flow of financial "living water" and the stable and orderly operation of enterprises.
Vigorously promote consumption. In the second quarter, we will further strengthen the preferential treatment of consumer credit, and plan to release 5 million yuan of interest free coupons for personal consumer loans to help the activity of "Jiangxi commodity consumption season". Pay close attention to the high-frequency consumption scene of residents, support the preferential rights and interests of online payment, and cooperate with China UnionPay, wechat, jd.com, meituan and other head institutions to carry out various preferential activities to further stimulate the vitality of the consumer market.
Ensure people's livelihood. Support key groups, formulate special policies for the housing credit needs of new citizens, reduce the mortgage loan interest rate by 5 BP, adjust the proportion of down payment, open a green channel for loans, further reduce the purchase threshold and loan financing cost of new citizens, and improve the convenience of borrowing and repayment of new citizens. Continuously enhance the effective supply of financial products, introduce and promote six long-term insurance products such as education annuity insurance and life insurance, and expand the coverage of residents' insurance; Increase the promotion of medium and long-term savings products, continue to issue large certificates of deposit products, and support residents' long-term savings; We will extensively carry out investor education activities, improve the residents' awareness of consumer rights and interests protection, investment and financial management, and insurance protection, stay away from illegal financial activities, and protect the residents' money bags.
| all staff fight hard | start the "charge war"
"The 7 million yuan working capital loan was issued in less than a week, which solved our urgent need. Thanks to the staff of Binjiang branch of Bank of Jiangxi, they not only took the initiative to come to the door, but also provided full guidance." Recently, the person in charge of a feed Co., Ltd. in Nanchang sincerely thanked the Bank of Jiangxi for its considerate assistance. It is reported that the company's sales were blocked due to the dual impact of African swine fever and covid-19 epidemic. After understanding the financing needs of the enterprise, Binjiang sub branch came to customize the service plan for it, and sent 7 million yuan of credit funds to customers in accordance with the principle of "urgent affairs and special affairs", so as to help the enterprise tide over the difficulties in time.
Deep ploughing, sinking, accompanying and helping... Since the outbreak of the epidemic, the Bank of Jiangxi has fulfilled its mission and made every effort to ensure the smooth flow of financial services with the "Bank of Jiang speed". In order to make every effort to fight the tough battle in the second quarter, the Bank of Jiangxi made a strong attack on enterprise relief, and contributed financial strength to the double victory of epidemic prevention and control and economic and social development.
-- Pingxiang branch takes the high-quality inclusive product "Rongyi loan" as the stepping stone to provide financing schemes for key medical material guarantee and supply enterprises in Jiangxi Province.
By setting up a special team, optimizing the approval process and simplifying the handling procedures, we will provide 5 million yuan of working capital support for enterprises at the first time and help enterprises purchase epidemic prevention materials and raw materials in a timely manner.
-- Shangrao branch focuses on livelihood guarantee projects and helps rural revitalization. After learning about the slow construction progress of the 10000 mu vegetable base project in Qianshan County due to the shortage of funds, we opened up a green loan approval channel for it and issued a project loan of 300 million yuan in time. While ensuring the progress of the project, we drove nearly 1000 farmers in 18 townships of the County to generate profits and increase income.
-- go to the market, go to the park and visit enterprises. By the end of April 2022, Fuzhou branch had lent 743 million yuan to many key projects and enterprises in Fuzhou, with an industrial loan balance of 459 million yuan, an increase of 65.5%, a manufacturing loan balance of 288 million yuan, an increase of 49.23%, and a green credit balance of 896 million yuan, an increase of 30.61%.
- Nanchang Yingbin Avenue sub branch guaranteed the "continuous filing" of financial services, supported Jiangxi circular economy demonstration pilot unit and provincial "specialized, special and new" enterprises in production without shutdown, responded quickly and established a working group to provide 60 million yuan of green credit funds to enterprises.
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With firm confidence and determination, seizing opportunities and overcoming difficulties, Bank of Jiangxi is pressing ahead and taking the initiative to continue to inject financial "living water" into the development of local real economy and contribute to the completion of the annual economic and social development goals in accordance with the deployment of the provincial economic operation analysis meeting in the first quarter and the mobilization meeting of "vigorously attacking the second quarter and ensuring double half".
