In order to fully understand the financial sector's service to the county's economic development, solve the financing problem, and accelerate the strategy of "strengthening the city through industry", according to the arrangement of the county party committee, the Standing Committee of the County People's Congress formed a research group to investigate the situation of improving the bank loan-to-deposit ratio, solving the financing difficulties and supporting local economic construction in our county from May 7 to 9. The research team listened to the reports of the county government, the county development and reform commission, the Industry and Information Committee, the Finance Bureau, the industrial park management committee and various financial institutions in the county, and visited the park enterprises such as Minhui Chemical, Gu Quan Fenjiu, Kaida Clothing and Senyuan Electronics. The investigation is hereby notified as follows:

First, the basic situation of promoting financial institutions to support local economic construction in our county

General situation of county financial operation

In 2009, 20 10, and 2010/year, the balance of RMB deposits of financial institutions in the county was 5,538.96 million yuan, 7184.23 million yuan and 8,493.56 million yuan respectively, with year-on-year increases of 26.49% and 26.67 yuan respectively. The balance of RMB loans was 2,700.8 million yuan, 3,772.53 million yuan and 4,569.52 million yuan respectively, up by 33.75%, 34.45% and 22.97% year-on-year, of which the loan balance in 2065, 438+065 and 438+0 years increased by 65.438+086872 million yuan compared with 2009. In recent three years, the loan-to-deposit ratio rates were 48.76%, 52.5 1% and 53.80% respectively, showing an increasing trend year by year, but both were lower than the average loan-to-deposit ratio level of the whole province and the whole city. 20 12 At the end of March, the balance of RMB deposits in financial institutions in the county was 9,227.32 million yuan, an increase of 7.95%; The balance of RMB loans was 4,749.88 million yuan, an increase of180.36 million yuan or 3.80% compared with the beginning of the year. The increment of loans ranked eighth in the city, 393 million yuan lower than that of De 'an County in 1, and the growth rate ranked first in the city, 8.565438 lower than that of Hukou County in 1. Loan-to-deposit ratio is 5 1.48%, ranking eighth in the city, which is 2.87 percentage points lower than De 'an County 1 low, 0.01percentage point lower than the whole city and 2.56 percentage points lower than the whole province. The increment of loan-to-deposit ratio was 24.58%, ranking 10 in the whole city, which was lower than the same period of last year 18.9 1 percentage point, the whole city's 24.2 1 percentage point and the whole province's 25.87 percentage point (see attached table 1, attached table 2).

Second, financial institutions support county economic development.

Over the years, various financial institutions in our county have conscientiously implemented the State Council's relevant policies on financial work, actively served our county's strategy of "strengthening the city through industry", and continuously increased credit support for "agriculture, rural areas and farmers" and small and medium-sized enterprises, which effectively promoted the all-round development of our county's economic and social undertakings. Since 2009, financial institutions in the county have issued a total of 7.8 billion yuan of various loans, of which 2 1 1 year accumulated loans are 2 1.8 billion yuan, 2.79 billion yuan and 2.83 billion yuan respectively. From the incremental point of view, "three rural" loans and SME loans grew rapidly.

Judging from the situation in loan-to-deposit ratio, there is no comparability except that the Agricultural Development Bank is a policy bank with less deposit business and higher loan-to-deposit ratio. The average loan-to-deposit ratio of the other eight financial institutions from 2009 to 20 1 1 three years is higher than that of CCB, credit cooperatives, Jiuyin Village Bank and Jiujiang Bank. The three-year average of CCB in loan-to-deposit ratio is 62.57%, and that of credit cooperatives in loan-to-deposit ratio is 60.27%. The loan-to-deposit ratio of Industrial and Commercial Bank of China, China Construction Bank, Credit Union and Postal Savings Bank are all increasing year by year. Credit cooperatives, Agricultural Bank of China, China Construction Bank and Agricultural Development Bank have large credit scales, and the balance of 20 1 1 loans all exceeds 500 million yuan. In terms of loan scale increase, credit cooperatives increased the most, from 636 million yuan in 2009 to 65.438+065.438+059 million yuan, an increase of 423 million yuan; Followed by the Agricultural Development Bank, which increased from 250 million yuan in 2009 to 575 million yuan in 20 1 1, an increase of 325 million yuan (see Table 5).

From the perspective of loan investment structure, as of the end of March 20 12, the loan balance of financial institutions in the county was 4,749.88 million yuan, of which 989.59 million yuan was invested in the public (key projects), accounting for 20.83% of the total investment, mainly distributed in Agricultural Development Bank, Jiujiang Bank, 229.65 million yuan and Agricultural Bank. Corporate loans were 705.74 million yuan, accounting for 14.86% of the total investment, mainly distributed in China Construction Bank, China Bank and Agricultural Bank; Real estate loans were 642.02 million yuan, accounting for 13.52% of the total investment, mainly distributed in China Construction Bank, Industrial and Commercial Bank of China and China Bank, all of which were personal housing mortgage loans; Loans for supporting agriculture and benefiting farmers 1 5496,000 yuan, accounting for 32.62% of the total investment, distributed in credit cooperatives and agricultural banks; Other loans amounted to 862.93 million yuan, accounting for 18. 17% of the total investment, mainly distributed in credit cooperatives, Jiujiang Bank and Jiuyin Village Bank (see Table 3 for details).

3. Establish enterprise and personal credit files.

In recent years, in order to create a good financial ecological environment in our county, various financial institutions have comprehensively carried out the rating of small and medium-sized enterprises and farmers in accordance with the relevant requirements of the People's Bank of China and the China Banking Regulatory Commission.

Credit work, and establish credit files. At present, the county credit union has established 36,800 credit files for farmers and 94 credit files for small and micro enterprises. Farmers and individual industrial and commercial households that have established credit files and issued loan certificates can go through the loan formalities directly at the credit union counter with their ID cards and loan certificates; Jiujiang Bank and Jiuyin Village Bank give full play to their flexible and fast advantages. Under the premise of risk control and compliance management, new credit customers can issue loans to customers within 3 days; County Agricultural Bank actively approached "agriculture, rural areas and farmers", served "agriculture, rural areas and farmers", established customer credit files, and implemented the credit principle of "one credit and recycling".

Policies and measures to promote financial institutions to support local economic development in our county

In order to give full play to the important role of financial institutions in county economic construction, further mobilize the enthusiasm of financial institutions to support local economic development, increase credit supply, and promote the catch-up and development of county economy, the county government promulgated the Measures for Assessment and Incentive of Financial Institutions Supporting Local Economic Development, and formulated incentive measures such as the growth of deposits and loans of financial institutions, the situation in loan-to-deposit ratio, and the proportion of new loans used for local investment. At the annual "three meetings", financial institutions that have made outstanding contributions to supporting local economic construction are commended and rewarded.

In order to strengthen the construction of credit financing platform and credit intermediary organizations, on June 5438+ 10, 2009, according to the agreement between the Provincial Department of Finance and the county government, our county invested 5 million yuan in Jiangxi Credit Guarantee Co., Ltd., and the provincial company set up a branch in our county, namely Jiangxi Credit Guarantee Co., Ltd. xiushui county Branch. At present, the guarantee company has reported 26 projects with a reported amount of 96 million yuan. In fact, there are 15 loans guaranteed by enterprises in our county, with a guarantee amount of 62.7 million yuan. 20 10 in may, county venture guarantee co., ltd was established with the contribution of county finance, with the registered capital of 100000 yuan. Up to now, the company has conducted a loan guarantee investigation on 125 enterprises, approved the loan guarantee requests of 59 enterprises, and issued guaranteed loans of 26.8 million yuan. In addition, the County Industry and Information Committee, the County People's Bank, the County SME Bureau, the County Industrial Park Management Committee and other units jointly set up a credit financing platform, and organized a symposium on bank-enterprise docking every six months to strengthen the docking between banks and enterprises. In April this year, with the joint efforts of many parties, our county launched the SME financing and "Yinyuanbao" project to provide comprehensive financial services for high-quality SMEs lacking collateral and accounts receivable pledge, effectively alleviating the financing difficulties of SMEs. In order to build a government financing platform, xiushui county Cheng Nan New Area Development and Construction Investment Co., Ltd. and xiushui county Chengtou Group Co., Ltd. were established successively, which are four types of platform companies. By April 30th, 20 12, the government platform company had borrowed 962 million yuan from the county bank, with a balance of 837 million yuan.

Second, the problems and shortcomings that restrict financial institutions from supporting local economic development.

Financial institutions in our county have made active efforts in serving the strategy of "strengthening the city through industry" and supporting local economic development, and achieved good results. However, the contradiction of insufficient credit investment, poor investment structure, low loan-to-deposit ratio and difficult financing for enterprises in our county is still outstanding. The existing problems and shortcomings mainly include:

The mechanism of government guidance, coordination and service is not perfect. First, the government's evaluation, assessment and incentive mechanisms for financial institutions are not perfect. Although the county government issued the Measures for the Assessment and Incentive of Financial Institutions Supporting Local Economic Development, it did not fully implement the incentive policy in accordance with the provisions of the Measures. Second, there is a lack of effective coordination mechanism among the government, banks and enterprises. Long-term, scientific and honest information transmission channels between the government and its departments, banks and enterprises have not been established. Although there is a matchmaking meeting between banks and enterprises every year, the follow-up service in the later period is not in place. Some good advantage projects or small and medium-sized enterprises with good development prospects, because they don't understand the credit policies, loan varieties and loan conditions of financial institutions, financial institutions can't get accurate information of enterprises and can't get effective credit support from financial institutions in time. Third, the leverage of financial funds needs to be further enhanced. On the one hand, the financial investment in guarantee funds, special financial interest subsidies and credit risk compensation is not strong. On the other hand, the distribution of fiscal funds and deposits is uneven. The personal wage agency business of county administrative institutions has been concentrated in China Bank and Jiujiang Bank for many years, which is not conducive to competition and lending among banks; Although the social security fund has opened accounts in the four major state-owned banks and credit cooperatives as required, there is no clear regulation on whether to distribute it according to the contribution of each bank to the county economy. By the end of March 20 12, the county's fiscal deposit balance was 828.63 million yuan, mainly distributed in ICBC/kloc-0.0969 million yuan, Agricultural Bank 90 million yuan, China Bank 250 million yuan, China Construction Bank/kloc-0.80 million yuan, Agricultural Development Bank 29.99 million yuan and Jiujiang Bank 63 million yuan.

Second, the integrity system is weak. First, a few enterprises and individuals have a weak sense of credit, a poor sense of debt repayment, a weak willingness to repay, and even maliciously default or evade bank debts, which has seriously damaged the legitimate rights and interests of financial institutions and dampened their enthusiasm for supporting small and medium-sized enterprises to some extent. There are also very few national public officials who deliberately default on bank loans, which has a negative impact on society. For example, the Agricultural Bank of County reported that non-performing loans with principal and interest overdue for more than 3 months have exceeded 1.3%, and more than 6 million yuan will soon enter non-performing loans with principal and interest overdue for less than 3 months. If the non-performing loan ratio exceeds 2%, the provincial agricultural bank will stop the new loan issuance business of the county agricultural bank. Second, some business operators have poor awareness of keeping promises according to law, and personal bad credit records lead to the decline of the overall credit of enterprises, which invisibly increases the difficulty of corporate loans; Third, the punishment mechanism of social dishonesty is not perfect, the crackdown on bank debt evasion is not enough, and the construction of financial and judicial environment needs to be further strengthened.

(3) The enterprise's own conditions are insufficient. First, extensive management. Most enterprises have not established a sound corporate management mechanism and modern enterprise system, lack professional management talents, and their management models are mostly extensive or family-style, with unclear development direction and objectives and weak ability to resist risks. Second, financial management is not standardized. Many enterprises have imperfect financial systems, incomplete accounting statements and low authenticity and accuracy of basic financial data such as assets and sales. Some enterprises simply can't get financial data and can't see a good record of going concern. It is difficult for banks to accurately and completely grasp the credit status, solvency and business dynamics of enterprises. Third, the credit rating is low. Many small and medium-sized enterprises are in the initial stage or growth stage of development, with small assets and low profitability, which often make it difficult to meet the requirements of credit rating and are rejected by banks. Fourth, the effective collateral is insufficient. Some enterprises have incomplete preliminary procedures and unclear property rights; Some enterprises lease factories for production, lacking sufficient fixed assets and collateral, and it is difficult to meet the requirements of bank credit mortgage.

Fourth, financial services are inefficient. First, there are many loan approval links and a long chain. State-owned commercial banks implement centralized and unified credit management mode, and county financial institutions have low credit authority. Even if there are enterprises that meet the loan conditions, they should strictly implement the relevant requirements of higher-level banks, report them step by step, and examine and approve them at different levels. The procedures are complicated and cannot meet the capital needs of enterprises in time. Second, the innovation of credit services and credit products can't keep up. Some financial institutions have rigid credit policies, single credit products and little collateral, and most bank loans do not recognize the mortgage of enterprise machinery and equipment. Third, the loan cost is high. According to enterprises, some banks have received a high proportion of loan deposits in advance, and they have to deduct more than RMB 10000000. In the process of loan review, the assessment and review fees charged by intermediaries designated by financial institutions are unreasonable. With a loan of several million yuan, the assessment and audit fees charged by the intermediary agencies amounted to 70,000 to 80,000 yuan, which greatly increased the loan cost. Fourth, financial institutions do not publicize their own credit products enough and communicate with enterprises less. Many enterprises are not clear about the bank's credit policy, loan varieties and loan conditions, and do not know how to obtain bank loan support. Fifth, there is a gap in the services provided by a few banks to enterprises. Some banks are not enthusiastic about lending to small and medium-sized enterprises because of the heavy workload, high loan cost and high risk; Some banks offer many favorable conditions to attract enterprises to open accounts, but when enterprises need loans, they can't get help and support from banks.

5. The development of guarantee companies lags behind. At present, there are three guarantee companies registered in our county, but only two can really provide financing guarantee services for small and medium-sized enterprises. Limited by the registered capital, the guarantee ability of the guarantee company is insufficient. The registered capital of County Venture Guarantee Co., Ltd. is only100000 yuan. Due to the lack of registered capital and low guarantee ability, the cooperation between financial institutions and guarantee companies has been affected. The four major state-owned commercial banks in the county do not recognize the company's guarantee qualification. At present, they only establish financing guarantee business relationship with Xiushui Sub-branch of Jiujiang Bank, and the magnification given by the bank is very small. The guarantee company is small in scale, which not only has high operating costs, but also does not enjoy various preferential policies of the state for guarantee companies. It is urgent to increase the registered capital of guarantee companies.

6. The loan investment is unreasonable. There are few loans for key projects and potential small and medium-sized enterprises. Most banks are keen on commercial liquidity credit and are indifferent to the credit support of industrial enterprises and key engineering projects. They only emphasize risk control, not support and help. Judging from the loan balance at the end of March 20 12, corporate loans only accounted for 14.86% of the total loans.

Three, promote financial institutions to support local economic development, improve loan-to-deposit ratio's proposal.

In order to improve the loan-to-deposit ratio of banks, encourage banks to support local economic development and create a good financial ecological environment, the following suggestions are put forward:

Improve the guidance, incentive and coordination mechanism of financial work. First, it is suggested to set up a county financial work office, which is a subordinate institution of the county government. Clarify the service and coordination function of the county financial office to the county's financial work, equip or hire professionals to study and analyze the national financial policy and the county's financial operation, and timely put forward suggestions to improve the financial development environment and promote the development of the financial industry, so as to provide reference for the decision-making of the county party Committee and the government. The second is to improve the assessment mechanism of financial support for local economic development. Further revise and improve the "Evaluation and Incentive Measures for Financial Institutions to Support Local Economic Development" in our county, and the county financial office will take the lead in evaluating the financial sector's support for county economic development, and will inform the evaluation results; Through effective measures, guide financial institutions to increase loans to key projects, small and medium-sized enterprises, especially dilapidated enterprises with development potential and prospects, and regard them as an important part of the assessment of the financial sector; Set up special awards, implement incentive funds, and reward banks and presidents who have made outstanding contributions to supporting county economic development; Give informed criticism to the county economic development bank that supports small contribution, low efficiency and poor reflection, and submit the assessment results to the higher authorities to clean up the accounts of administrative institutions in the bank; You can also organize deputies to the National People's Congress, members of the CPPCC, representatives of enterprises and representatives of the masses. Make a special assessment of the financial institutions' service to local economic development, and make rectification within a time limit if the assessment fails, so as to encourage and mobilize the enthusiasm and initiative of financial institutions to serve local economy. The third is to establish a mechanism linking fiscal deposits with the quantity and structure of bank credit and loan-to-deposit ratio. Formulate measures for the allocation and management of government financial resources among financial institutions. Under the premise of not violating the relevant provisions of the higher authorities, the government's financial resources should be tilted as far as possible to financial institutions that provide good services and support the development of county economy, increase financial interest subsidies for loans related to agriculture and small and medium-sized enterprises, and guide financial institutions to increase effective credit supply. The fourth is to establish a smooth coordination and communication mechanism. The government should strengthen communication with superior banks in the county, strive for more preferential policies, and expand the scale of credit to our county. Relevant departments should keep abreast of financial institutions' credit policies, credit products, lending conditions and enterprise loan demand, and open channels of information communication by holding joint economic and financial meetings, symposiums between government, banks and enterprises, project promotion meetings and loan marketing talks, and build an exchange financing platform to promote win-win cooperation between banks and enterprises.

Second, strengthen the construction of social credit system and optimize the financial ecological environment. The county government should introduce an implementation plan on strengthening the construction of financial ecological environment, carry out activities of establishing credit enterprises, credit towns and credit farmers, implement credit preferential policies for trustworthy enterprises and individuals, advocate a social atmosphere of honest management, and enhance the integrity awareness of the whole people. Governments, administrative institutions and public officials at all levels in the county should take the lead in repaying bank loans on schedule and set an example in creating an honest financial environment. It is suggested that a special clean-up activity of bank loans in arrears should be carried out in the county, and all relevant units should actively cooperate with banks to clean up bank loans or guaranteed loans owed by their own units and cadres and workers. Establish a joint meeting system between financial institutions and judicial departments, severely crack down on malicious evasion of bank debts, improve the efficiency of trial execution of financial cases, and optimize the financial judicial environment. The people's bank at the county level and relevant units should continue to strengthen the construction of credit information system, further improve the credit files of enterprises and individuals, expand the information coverage of credit information system, and establish a platform for credit information exchange and sharing. Enterprises and their managers should establish the concept of "honesty is the life of enterprises", consciously accept the credit supervision of banks, repay the principal and interest of loans on time, and improve the credit rating.

Third, improve the management level of enterprises and lay a solid foundation for credit access. First of all, we should standardize the financial management of enterprises. County Industry and Information Committee and County SME Bureau should coordinate financial institutions to strengthen credit knowledge and related business training for enterprise managers and financial personnel, help establish and improve enterprise financial system, improve the transparency of enterprise financial data and the authenticity of financial statements, and make enterprise financial management more in line with bank credit requirements. The second is to establish a dynamic supervision mechanism for enterprises. The competent departments of enterprises and relevant financial institutions should conduct in-depth spot checks on the financial statements of loan enterprises on a regular basis, check the loan benefits and safety conditions, guide enterprises to operate in accordance with the law, standardize their operations and operate in good faith, establish a real information interaction mechanism with banks, put an end to the acts of extracorporeal circulation of funds, withdrawing assets and evading debts, and enhance the confidence of banks in small and medium-sized enterprises. Third, we should intensify efforts to cultivate and develop small and medium-sized enterprises. Actively guide enterprises to formulate development plans and goals that meet the national industrial development orientation and market demand, improve the level of refined management, attach importance to product research and development, upgrade product grades, extend the industrial chain, and improve market competitiveness and risk resistance.

Fourth, innovate financial services and improve the quality of financial services. The financial department should combine the reality of our county, innovate credit products according to local conditions, break through the restriction of using real estate as collateral, and launch a variety of credit products and financial service brands such as "intellectual property financing, accounts receivable financing, order financing, warehouse receipt pledge loan", "simple fast loan for small enterprises, multi-household joint loan for small enterprises, mortgage pledge revolving loan and fast loan link" to lower the credit threshold of enterprises. For enterprises that do not meet the loan conditions, personal business credit loans can be implemented for business owners to meet the needs of enterprises. In terms of repayment methods, enterprises can introduce monthly equal repayment methods to reduce the pressure on enterprises to repay loans. Continue to strive for credit lines and projects from higher-level banks and strive to expand the scale of credit. Effectively solve the problems of unreasonable charges and additional loan conditions, and reduce the financing cost of enterprises. In view of the characteristics of short, small, frequent and urgent financing of small and medium-sized enterprises, under the premise of controllable risks, it is necessary to further simplify the bank credit business process, complete credit matters within a time limit, speed up the construction of electronic network of banks, implement online loan approval, shorten the approval time and improve the approval efficiency.

Fifth, improve the financial service system and broaden financing channels. The county government should study and put forward opinions on revitalizing state-owned assets, expanding guarantee companies and building financing platforms, and strengthen the construction of financial service system. The first is to improve the financing guarantee system. County finance should continue to increase investment, expand the capital of guarantee companies, and strive to expand the registered capital of county venture guarantee companies to more than 50 million yuan, so that the company's guarantee qualification can be recognized by more financial institutions, help guarantee companies win national, provincial and municipal policy support funds and make up for losses, and enhance the development potential and risk coping ability of guarantee companies. It is necessary to integrate resources, expand or set up commercial guarantee companies, and enhance the guarantee ability by increasing capital and shares, attracting foreign investment, reinsurance and * * * insurance. Further effectively integrate idle state-owned assets of county-level units, form marketable mortgage assets, inject them into Chengtou Group, consolidate the financing platform, provide joint liability guarantee for enterprises by means of land and real estate mortgage in the park, and improve borrowing capacity. Second, it is necessary to introduce powerful domestic financial institutions to open outlets in our county to promote reasonable and orderly competition among financial institutions. Encourage and support financial institutions to set up service outlets in industrial parks, urban development zones and towns, optimize the layout of financial outlets, and meet the people's demand for financial services. The third is to explore new channels of credit financing. Give full play to the advantages of credit cooperatives, Jiujiang Bank, rural banks and other financial institutions, such as short credit approval process and fast loan timeliness, and support local corporate financial institutions to accelerate their development and improve their risk prevention capabilities; Vigorously publicize policies related to private financing, activate private capital investment, explore the establishment of new private financing institutions, standardize private lending behavior, and broaden financing channels for SMEs.

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