Quanzhou Agricultural Bank Five Supports Small And Micro Enterprises

In recent years, the Agricultural Bank of China Fujian Quanzhou branch has been foothold.

Subdividing small businesses and leveraging big markets

Quanzhou

If a worker wants to do good, he must first use his tools.

According to the demand characteristics of small businesses in Quanzhou, such as "small amount, urgent demand, short term and frequent turnover", the bank innovates self-help revolving loan for small businesses.

In 2011, in line with the principle of keeping close to the market, following the relevant credit management system, it also innovated the credit products of accounts payable mortgage loans of small and medium-sized enterprises in counties, which enriched the credit products of small and micro enterprises, and solved the problem of small enterprises' mortgage.

According to the level of bank management, the resources of small businesses, the size of credit and the size of the business, and the regional economic environment, the Quanzhou agricultural bank carries out the difference authorization, shortens the loan approval process, and actively promotes the simple and fast loan without rating and credit exemption, and sets up full-time examiners in the backstage. It takes the form of blank filling formalization design for the rating, credit, investigation and other written information of the small business loans, and implements institutionalization, standardization and streamlined operation.

Setting up a special assessment to boost the implementation of the strategy

In 2011, the bank cut out 2 million yuan of efficiency wages, which was used for the assessment of credit business of small and micro enterprises.

Under the background of credit crunch, we should focus on strengthening credit, extension, structural adjustment and new product marketing, giving heavy penalties to sub branches that fail to complete the annual plan and control at the end of the year.

At the same time, according to the effective launch of customer credit in small and micro enterprises, the selection of advanced units and excellent customer managers will be commended and rewarded, so as to fully mobilize the enthusiasm of small business credit personnel.

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Strengthening business training and improving professional quality

Over the past year, a large scale of the city's centralized training has been held for 6 times, with nearly 2000 participants, covering the branches of the branch, the head of the branch, the branch, the head of the credit front and back office and the customer manager.

And through the form of silver village cooperation, send financial services to the countryside.

The Nanan sub branch has visited the joint building unit of Rong Zhong village and local high quality small enterprises for small business knowledge training. Quangang sub branch and Anxi sub branch, respectively, on huisu island and China tea capital, introduce small and micro enterprises' credit knowledge and "golden doctor" small business self-help revolving loan business, and train small and micro enterprises business knowledge to customers, achieving good social effects.

In 2012, under the new economic situation, Quanzhou Agricultural Bank will continue to take various measures to promote the financing and development of small and micro enterprises with strong comprehensive financial support, and put the strategic intention of "actively nurturing small and micro enterprise customer groups in line with the national industrial policy and higher growth" in the 2012 working conference of the Agricultural Bank of China to implement the social responsibility of the Agricultural Bank as a big bank through upgrading small and micro financial services.