四川農(nóng)信(雅安) “硬核套餐”為企業(yè)發(fā)展添活力

2020-11-18 18:19:33    來源:   作者:  點擊數(shù):

 剛被評為全省優(yōu)秀開發(fā)區(qū)的雅安市經(jīng)開區(qū),在金黃色銀杏業(yè)的襯托下顯得格外俊秀。10月12日,四川農(nóng)信(雅安)的客戶經(jīng)理又來到四川吉地機械工業(yè)有限公司,其總經(jīng)理楊永學(xué)熱情地迎上來,第一句話就是“感謝你們的信貸‘套餐’支持,現(xiàn)在我們的經(jīng)營又上去了!”這是今年8月28日經(jīng)開區(qū)首家入駐金融機構(gòu)——雅安農(nóng)商銀行經(jīng)開區(qū)支行掛牌開業(yè)后,第四次來到吉地機械工業(yè)公司了解情況。這次不同以往,前三次是辦理業(yè)務(wù),第四次是跟蹤回訪。

 吉地機械工業(yè)成立于2003年,是一家主營汽車配件加工銷售、員工近300人的制造業(yè)企業(yè),年產(chǎn)值10億元。今年,在四川農(nóng)信(雅安)“走千訪萬”工作中,了解到吉地機械工業(yè)受新冠肺炎疫情影響,原材料漲價,回款困難,流動資金緊缺,原有的兩筆200萬元、270萬元貸款也即將到期。

 掌握到吉地機械工業(yè)的實際情況后,5月6日、5月18日、9月19日、9月21日,四川農(nóng)信(雅安)分別為其辦理了2筆續(xù)貸、2筆新增貸款、3次利率下調(diào)。4個月時間,四川農(nóng)信(雅安)切實幫助企業(yè)解決了資金難題,提供了真切的實惠和便利。

 吉地機械工業(yè)獲得的“硬核套餐”背后,是四川農(nóng)信(雅安)的“硬核”措施和數(shù)據(jù)。

 

“硬核”一:加大信貸投放。通過雅安市擔(dān)保公司擔(dān)保、信用、抵質(zhì)押等組合方式,切實解決企業(yè)單一抵押不足難題;對生產(chǎn)經(jīng)營正常、發(fā)展前景較好的企業(yè),積極增加信用貸款額度。截至9月末,累計發(fā)放各項貸款208.91億元,其中,大型企業(yè)貸款1.29億元,中型企業(yè)貸款12.85億元,小型企業(yè)貸款27.80億元,微型企業(yè)貸款6.36億元,個人經(jīng)營性貸款39.05億元。疫情發(fā)生以來,通過續(xù)貸、新增信貸資金等方式,累計支持小微企業(yè)、個體工商戶5209戶,涉及貸款金額53.42億元(其中:新增貸款30.58億元)。

 

“硬核”二:通過展期、續(xù)貸、重組、調(diào)整還款計劃、適度增加信用貸款和中長期貸款、延期還本付息等措施,緩解疫情帶來的還款壓力,全力支持其恢復(fù)生產(chǎn)經(jīng)營,幫助企業(yè)渡過難關(guān)。截至9月末,為2883戶中小微企業(yè)貸款臨時性延期還本付息,涉及貸款金額32.26億元。

 

“硬核”三:對存量貸款到期企業(yè),續(xù)貸或展期貸款利率按原合同利率下浮;新增貸款利率原則上按基準(zhǔn)利率下浮;積極使用支小、支農(nóng)再貸款和國開行資金發(fā)放優(yōu)惠利率貸款為企業(yè)降低融資成本。截至9月末,共使用支小、支農(nóng)再貸款約8.13億元、國開行轉(zhuǎn)貸款資金2億元,全部用于發(fā)放中小微企業(yè)貸款和涉農(nóng)貸款,累計為中小微企業(yè)復(fù)工復(fù)產(chǎn)降低融資成本約6000萬元。

 

“硬核”四:先后推出“戰(zhàn)疫快貸”“天使快貸”“春茶快貸”“穩(wěn)保貸”等信貸產(chǎn)品,精準(zhǔn)支持小微企業(yè)、個體工商戶、新型農(nóng)業(yè)經(jīng)營主體。截至9月末,累計發(fā)放“戰(zhàn)疫貸”貸款5.67億元(其中雅安農(nóng)商行發(fā)放3.15億元),占全市“戰(zhàn)疫貸”使用額度7.81億元的72%。

 據(jù)四川農(nóng)信(雅安)負(fù)責(zé)人介紹,今后將繼續(xù)按照金融支持穩(wěn)企業(yè)保就業(yè)工作各項要求,運用好再貸款、延期工具、信用貸款支持工具等政策措施,提高服務(wù)實體經(jīng)濟的能力,切實發(fā)揮出農(nóng)村金融主力軍銀行、地方金融主力軍銀行、普惠金融主力軍銀行的作用。(曾勁)

 

責(zé)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:182) 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