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攀枝花農商銀行六個“貸動” 強化主力軍銀行擔當

2020-08-10 17:03:53    來源:   作者:張杰  點擊數(shù):

近期,攀枝花農商銀行認真落實各級黨政和省聯(lián)社黨委關于統(tǒng)籌推進疫情防控和經濟社會發(fā)展的決策部署,用好國家和人民銀行各項政策,支持擴內需、助復產、穩(wěn)企業(yè)、保就業(yè),以六個“貸動”支持復工復產,服務實體經濟,全力促“六穩(wěn)”、助“六保”。

 

引創(chuàng)并進,“貸動”就業(yè)支撐

該行通過開辦創(chuàng)業(yè)貼息貸款,積極支持大眾創(chuàng)業(yè)就業(yè)。在加強與就業(yè)、財政等單位的溝通對接后,精準掌握再就業(yè)、創(chuàng)業(yè)群體的金融服務需求,為客群提供最高15萬元的創(chuàng)業(yè)貼息貸款,并積極協(xié)助落實財政貼息政策。上半年,對全市從事批發(fā)零售、食品供應等民生類相關行業(yè)、個體工商戶累計發(fā)放創(chuàng)業(yè)貼息貸款1080筆、貸款金額1.09億元,幫助廣大個體經營戶盡快恢復正常生產經營。同時加強與企業(yè)客戶的溝通協(xié)調,在風險可控、合規(guī)操作的基礎上,采取要求客戶承諾保持就業(yè)崗位基本穩(wěn)定、適當增加授信額度、降低融資成本等方式,積極引導中小企業(yè)客戶盡量做到不裁員、少裁員。

 

喚醒消費,“貸動”基本民生

該行針對疫期消費市場降溫的問題,為消費者提供最高50萬元額度、執(zhí)行基準利率的信用消費貸款,上半年已授信6356戶、授信金額12.65億元,用信3043戶、用信金額4.71億元。同時持續(xù)發(fā)放個人住房按揭等個人消費類貸款945筆、金額3.23億元,以個人消費貸款全面激活和助力全市消費經濟增長。在強化金融支持精準扶貧,服務民生方面,對接服務貧困村248個、貧困戶9399戶、貧困人口3.69萬人,建立了扶貧示范村3個,累計發(fā)放扶貧信貸12.39億元、涉及貧困戶5779戶,金融精準扶貧對接面全市第一,金融精準扶貧貸款發(fā)放量全市第一。

 

暖企復商,“貸動”發(fā)展希望

該行堅定“做小、做實、做專”經營定位,傾斜信貸資源、優(yōu)化辦貸模式,不斷增強對企業(yè)客戶的支持力度,有效滿足中小微、民營企業(yè)的融資服務需求,尤其注重對防疫重點保障企業(yè)的資金支持。上半年,向3家疫情防控重點保障企業(yè)發(fā)放貸款2653萬元,加快抗疫物資生產供應;累計投放各類企業(yè)貸款6.7億元,其中:首貸客戶257戶、額度2.57億元,支持企業(yè)復工復產的“戰(zhàn)疫貸”專項貸款518戶、額度2.76億元,有力支持了地方實體經濟發(fā)展。在為中小企業(yè)紓困解難方面,通過展期、續(xù)貸或重組等方式,為受疫情影響的企業(yè)辦理無本續(xù)貸46筆,貸款金額19295萬元;通過調整還款計劃和延期還本方式,為304戶企業(yè)緩解壓力,涉及貸款金額5.35億元;對受疫情影響較大的批發(fā)零售、住宿餐飲等民生行業(yè)和企業(yè),下調利率45戶,涉及本金5.84億元,為客戶節(jié)約利息成本960余萬元。

 

堅守初心,“貸動”涉農普惠

該行在支持“三農”方面,結合鄉(xiāng)村振興戰(zhàn)略實施和地方農業(yè)經濟特征,以“農特貸”“果蔬貸”等特色涉農貸款為重點,為全市農業(yè)經濟發(fā)展提供有力的金融支撐。上半年,涉農貸款余額42.01億元,較年初增加4.22億元,增速11.16%,較各項貸款增速高7.46個百分點。在深化普惠金融工作內涵方面,加大信用鄉(xiāng)鎮(zhèn)、村社、信用戶的評定力度,以“卡貸通”小額農戶信用貸款為抓手,增額度、優(yōu)流程、強服務。至6月末,共評定信用戶23531戶,較年初凈增2154戶,授信總額49.61億元,用信金額15.38億元。

 

隨軸轉核,“貸動”供應鏈條

該行以“核心企業(yè)+供應鏈”金融服務模式,精準對接攀鋼集團、市國投集團、中心醫(yī)院、龍蟒佰利、安寧鐵鈦及地方各類優(yōu)質核心企業(yè),圍繞其上下游、左右端,批量拓展貸款、票據(jù)業(yè)務,落實賬戶管理、資金結算等綜合金融服務。僅攀鋼集團,已完成核心子公司和上下游企業(yè)專項商票貼現(xiàn)授信5億元,為12戶企業(yè)信貸授信23600萬元,開立對公賬戶18戶,為小微企業(yè)員工代發(fā)工資1000余人,開立手機銀行400余戶,稅費代扣代繳4戶。

 

借勢發(fā)力,“貸動”基層運轉

該行積極爭取人行貨幣政策支持,運用人行支小再貸款發(fā)放小微企業(yè)貸款332筆,金額4.27億元,貸款平均利率低于各項貸款平均利率。同時加強向人行和財政部門的匯報和對接,爭取財政貼息支持。至6月末,已向人行申報貼息貸款242筆,涉及貸款金額1.71億元,累計申報貼息金額18.63萬元。

 

下一步,該行將在省聯(lián)社黨委和市委市政府的堅強領導下,做好“六穩(wěn)”工作,落實“六保”任務,在危機中育新機、于變局中開新局,切實發(fā)揮地方金融主力軍銀行作用,統(tǒng)籌做好疫情防控和金融服務,以更實的舉措、更快的速度、更暖的服務,全力服務地方戰(zhàn)略大局,助力企業(yè)復工復產、方便市民生活消費、深化金融扶貧工作,助推地方經濟高質量發(fā)展。

(攀枝花農商銀行 張杰)

 

責任編輯:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$6958ba50.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor8515.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor7319.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#305] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:178) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvstbe_6.getRealname(CmsUser_$$_jvstbe_6.java) ... 81 more