“穩(wěn)保貸” 撬動(dòng)信貸資金直達(dá)中小微企業(yè)

2020-11-18 18:23:27    來(lái)源：   作者：  點(diǎn)擊數(shù)：

“我們復(fù)產(chǎn)率已經(jīng)達(dá)到100%，有了這筆資金就能投標(biāo)更多項(xiàng)目！”位于內(nèi)江的新視野門窗幕墻工程（內(nèi)江）有限公司董事長(zhǎng)李明說(shuō)，公司日前從內(nèi)江農(nóng)商銀行拿到了一筆940萬(wàn)元的“穩(wěn)保貸”，緩解了企業(yè)流動(dòng)資金緊張的狀況。

 新視野公司是一家專門提供門窗幕墻系統(tǒng)解決方案的中小微企業(yè)，今年因?yàn)樾鹿诜窝滓咔楣矩浛罨鼗\周期增長(zhǎng)，日常用于支付人工工資和購(gòu)買原材料的資金壓力較大。“這筆貸款穩(wěn)住了企業(yè)正常生產(chǎn)經(jīng)營(yíng)，更保住了近70名員工的就業(yè)。”李明說(shuō)。

 解決該公司燃眉之急的“穩(wěn)保貸”，是四川農(nóng)信在人民銀行成都分行指導(dǎo)下推出的穩(wěn)企業(yè)保就業(yè)信貸產(chǎn)品，是3月份為支持疫情防控、復(fù)工復(fù)產(chǎn)推出的“戰(zhàn)疫貸”的升級(jí)版,目標(biāo)是幫助中小微企業(yè)穩(wěn)經(jīng)營(yíng)，保就業(yè)，進(jìn)一步提升金融支持政策的直達(dá)性，暢通政策傳導(dǎo)的“最后一公里”。

 葉代洪是什邡市一名從事服裝銷售的小微企業(yè)主，上半年因受新冠肺炎疫情影響企業(yè)營(yíng)業(yè)額大幅下滑，資金十分緊張。目前疫情已得到有效控制，他急需一筆資金進(jìn)購(gòu)冬裝。

 了解到這種情況，什邡農(nóng)商銀行第一時(shí)間上門實(shí)地調(diào)查、收集資料，積極為客戶提供最快速度、最簡(jiǎn)化手續(xù)、最優(yōu)惠利率的“三最”服務(wù)，在24小時(shí)內(nèi)就完成了“穩(wěn)保貸”放款。該筆貸款貼息后享受4%的年利率，不僅解了企業(yè)資金難題，也有效降低了融資成本。

 興文縣僰王山興達(dá)竹木制品加工廠負(fù)責(zé)人郭強(qiáng)，近期也在興文農(nóng)商銀行拿到一筆50萬(wàn)元的“穩(wěn)保貸”。“資金有保障，我們企業(yè)就能放開(kāi)膀子干了！”郭強(qiáng)說(shuō)，相比其他貸款，這筆“穩(wěn)保貸”可以為公司省下3萬(wàn)多元的利息。

 截至9月末，四川農(nóng)信共發(fā)放“穩(wěn)保貸”14.02億元，金融支持小微企業(yè)客戶累計(jì)58萬(wàn)余戶。

 

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: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