Six practical measures to open the main road of "blood transfusion" and introduce financial "living water"
"Bank of Ningbo's operating institutions are mainly distributed in Jiangsu and Zhejiang provinces. The real economy in the region is developed and there are a large number of small and micro enterprises, which provides a broad market foundation for banks to continuously increase financial services for small and micro enterprises. " Bank of Ningbo Governor Luo acknowledged the advantages of banking services.
As one of the A-share listed city commercial banks, Bank of Ningbo has always focused on small and micro enterprises, adhered to the principle of "knowing the market and being familiar with customers", adhered to the business strategy of "growing together with customers", based on the regional market and focused on product innovation.
Facing the development of small and micro enterprises, it is difficult for a single financial service to solve the problem of diversified financing. In Bank of Ningbo, the funds are truly invested in the field of small and micro enterprises through six practical measures: setting up a small and micro credit line separately, setting the differential tolerance of non-performing loans, implementing preferential prices for internal fund transfer, implementing an inclined assessment policy, implementing special subsidies for staff serving small and micro enterprises, and innovating financial products.
Ningbo is a big manufacturing city with an active private economy. Luo said: "For small and micro enterprises such as manufacturing below 5 million yuan, priority is given to ensuring the quota. Moreover, in order to ensure the use of small and micro loans, the Bank of Ningbo Head Office centrally allocates credit lines and follows up the progress of credit lines every day to ensure the implementation of branches. "
In addition, in view of the difficulty in obtaining loans for small and micro enterprises, Bank of Ningbo has set a non-performing loan tolerance higher than that of the whole bank to encourage funds to invest in small and micro enterprises. Combined with the situation of branches and regions, we will further refine the requirements for non-performing loans of small and micro enterprises and set up differentiated assessments. At the same time, in order to encourage small and micro enterprises to lend, the Bank lowered the internal fund transfer price of new loans for small and micro enterprises by 25BP, fully mobilizing the enthusiasm of branches and business personnel to carry out small and micro finance.
Featured products are difficult to crack mortgages and help small and micro grow up.
Small and micro activities, economic activities; When the economy prospers, so does finance. Economy is the body, finance is the blood, and both coexist and prosper together. While doing a good job in basic financial services, Bank of Ningbo has made great efforts under the growth and development cycle of small and micro enterprises, and a series of financial products have emerged to meet the "short, small, frequent and urgent" financing needs of small and micro enterprises, greatly improving the loan processing speed of small and micro enterprises and reducing the financing cost.
For mortgage loans with an application amount of less than 5 million yuan, Bank of Ningbo introduced the "cloud evaluation" intelligent system to automatically evaluate the value of collateral, thus achieving the time-limited service goal of "one-day approval and three-day lending". By the end of 20 18, Bank of Ningbo had granted credit to 8,554 households, with a total credit of1697 million yuan and a balance of12610 million yuan.
In order to effectively alleviate the repayment pressure of small and micro enterprises, Bank of Ningbo launched a "three-year loan" model to extend the service life of the loan. Apply once, pay interest monthly in three years, repay the principal and interest when due, reduce the turnover times and improve the efficiency of credit funds. By the end of 20 18, the three-year loan business in Bank of Ningbo had made 893 withdrawals this year, amounting to19.92 million yuan.
Featured products moisten enterprises, financial services are fully in place, and Pratt & Whitney gradually shows results. By the end of 20 18, the balance of small and micro loans in Bank of Ningbo was 53.8 billion yuan, an increase of 25% over the beginning of the year, which was higher than the growth rate of all loans. The number of small and micro-loan households in Pratt & Whitney was 4,2971household, an increase of 2,665 households compared with the beginning of the year, which achieved the requirement of "two increases".
Luo stressed that in the first half of this year, Bank of Ningbo will further find out the operating conditions of enterprises in the region, and continue to carry out home visits to small and micro enterprises to understand the most urgent financial needs of customers. At the same time, it constantly optimizes its own financial services and processes to provide more accurate services for small and micro enterprises.