Work report of financial institutions in the county 1. Overview of financial institutions in our county: Our county currently has 9 banking financial institutions, 4 insurance branches, 2 securities business departments, 4 financing guarantee companies, 2 small loan companies,
1 private financing and financial management consulting company.
In 2015, the deposit balance of banking financial institutions in the county was 14.75 billion yuan, an increase of 7.25%; the loan balance was 8 billion yuan, an increase of 14.2%; the county has 4 listed companies with a circulating market value of 15 billion yuan.
It is a financial ecological county and a financial ecological demonstration county in China.
2. Today’s financial work operation: Since now, our county has focused on the goal of “expanding scale and optimizing structure”, focusing on strengthening bank-government-enterprise cooperation and project docking, optimizing the financial environment, and expanding multi-channel financing. The county’s social financing
The results have been remarkable. Deposits in financial institutions have maintained rapid growth, loans have increased steadily, and local quasi-finance has developed rapidly.
From January to May, the county's social financing increased by 1.07 billion yuan, including 270 million yuan in new loans from banking financial institutions, 100 million yuan in new loans from small loan companies, and 700 million yuan in funds issued by companies to issue financial products and medium-term notes.
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(1) Characteristics of financial work operations 1. Deposits grew rapidly and loans grew steadily.
At the end of May, the deposit balance of financial institutions in the county was 16.4 billion yuan, a net increase of 1.06 billion yuan from the beginning, an increase of 6.91%.
The loan balance of banking financial institutions in the county was 8.24 billion yuan, an increase of 374 million yuan from the beginning, an increase of 4.7%.
Among them, new loans from the county rural credit cooperatives were 296 million yuan, new loans from county commercial banks were 120 million yuan, new loans from Shanrong Small Loan Company were 97 million yuan, and loans from the county Construction Bank, the county ICBC, and the county Postal Savings Bank were unchanged from the beginning.
Affected by the due repayments of large loans by key enterprises, the County Agricultural Development Bank of China and the County Bank of China experienced a decline in loans.
2. Project docking has been deepened, and bank-government-enterprise cooperation has achieved remarkable results.
At the beginning of the new year, the county government held a symposium on financial work and key project docking.
On the basis of summarizing the work in 2015, the meeting clearly proposed the goals, tasks and work measures of financial work in 2015, and recommended 69 key financing projects to financial institutions with a financing demand of 1.929 billion yuan.
By the end of May, 43 projects had been successfully implemented, with 530 million yuan in loan funds in place.
3. Financial system construction develops rapidly.
The preparatory work for the establishment of a village bank has been officially launched. The county government and the Bank of Chengdu have formally signed a banking cooperation agreement. The Bank of Chengdu will initiate the establishment of a village bank with a registered capital of 100 million yuan in our county.
The newly opened Shanrong Small Loan Company has issued loans of 10,000 yuan to various enterprises so far, and the newly opened Mingsheng Financing Guarantee Company provided loan guarantees of 23 million yuan to small and medium-sized enterprises in the first quarter.
4. Direct financing work has been fruitful.
The County Industrial and Commercial Bank of China issued 600 million yuan of Tiangong financial products to the company, and the second phase of 200 million yuan has been fully received today.
The company issued 700 million yuan of medium-term notes, and the first tranche of 500 million yuan was successfully received on May 18.
5. Financial innovation is carried out in depth.
County commercial banks have deepened bank-guarantee cooperation, county cooperatives have comprehensively promoted livelihood-related entrepreneurship guaranteed discount loans and land-lost social security loans, and county ICBC has launched enterprise joint guarantee loans.
From January to May, financial institutions issued a total of 480 million yuan in loans through innovative products and services.
6. The work of cultivating enterprises for listing has been further strengthened.
Five companies including Cyanamid, Orange Company, Glass Company, Company and Electrical Company were listed as key cultivation enterprises for listing in the city.
Sinolink Securities, Hualong Securities, TCL Investment Fund, etc. have visited the incubated enterprises to inspect and provide guidance and negotiate on listing guidance matters.
7. The corporate financing environment is further optimized.
Recently, the county government issued a notice on optimizing the financing environment for small and medium-sized enterprises, reducing the loan mortgage registration fees for small and medium-sized enterprises by 50%, and regulating asset appraisal, notarization and banking intermediary business income, etc., reducing the financing burden of enterprises.
The county government also decided to establish a refinancing fund for small and medium-sized enterprises with a capital scale of 16 million yuan.
Among them, the government invested 6 million yuan and enterprises raised 10 million yuan.
At present, it has begun to provide on-lending and revolving loan services to small and medium-sized enterprises.
(2) Main problems existing in financial work 1. Insufficient loans, and the gap between deposits and loans has further widened.
Since now, the amount and growth rate of loans from banking financial institutions in our county has ranked low in the city, and the loan-to-deposit ratio has dropped to 50.9%.
The reasons are, first, that some advantaged enterprises have increased their efforts in multi-channel financing and significantly reduced loans from financial institutions in the county. For example, the company's loans in the county have been reduced by 200 million yuan.
Second, the preliminary work of some financing projects is progressing slowly, the company's own funds are insufficient, and loan procedures are incomplete, which affects loan approval and the availability of funds.
Third, some financial institutions lack pioneering work in credit work, unilaterally emphasize the difficulty of project selection and loan risks, and devote their main energy to deposit-taking organizations, resulting in a widening of the deposit-loan gap.
2. The financing costs of small and medium-sized enterprises have increased, and the difficulties in operating the real economy have worsened.