Give agricultural machinery and equipment manufacturing industry "loan" to promote agricultural modernization

The development of modern agriculture is inseparable from the support of the agricultural machinery and equipment manufacturing industry. The Weifang Rural Commercial Bank Fangzi Sub-branch is based on the reality of the jurisdiction and innovates to serve the "three rural" model. , Radiation has driven the development of trade, industry and agriculture integration. As of the end of February, the bank's various loan balances were 1.59 billion yuan, of which agricultural machinery and equipment manufacturing leading enterprises, upstream and downstream small and micro enterprises, and individual industrial and commercial households had loan balances of 140 million yuan, accounting for 8.8%, an increase of 2.2% year-on-year.

Carry out bank-enterprise docking activities to solve the problems of insufficient communication and asymmetric information between banks and enterprises. Most of the agricultural equipment manufacturing enterprises under the jurisdiction are small and micro enterprises, with an annual output value ranging from several million yuan to tens of millions of yuan. However, due to their small scale, thin profits, and few assets, they have few business transactions with financial institutions, making it difficult to obtain bank loans. stand by. To solve this problem, Fangzi Sub-branch strengthened its service awareness and actively built a bridge between banks and enterprises. In January this year, 16 agricultural machinery and equipment manufacturing enterprises in the jurisdiction were invited to hold a "Health and Wellness Lecture and Financing Promotion Conference". On the spot, they reached business cooperation intentions with 12 companies, of which 6 companies filed financing applications. At present, 5 corporate loans have been issued with an amount of 35.5 million yuan.

Flexible use of "1+N" guarantee combination model to solve the problem of single guarantee method and insufficient collateral. Most of the agricultural equipment manufacturing enterprises under the jurisdiction are small and medium-sized private enterprises. Most of the land and real estate are unlicensed or leased. Machines and equipment have a long service life. The fixed assets generally have low actual value and difficult to realize mortgages. Loan standardized management and mortgages The contradiction of insufficient property mortgage capacity is more prominent. Under the guidance of the bank’s credit policy, the bank does not stick to a single guarantee method, and flexibly uses the “1+N” guarantee combination model. It implements “tax financing” and “guarantee guarantees” for companies that meet the loan conditions, have good reputation, and have good prospects. ", warehouse receipt pledge, equipment mortgage, bill pledge, patent right pledge, etc. are suitable for the needs of enterprises "tailor-made" financing products. A certain Shandong Machinery Manufacturing Co., Ltd. is a key enterprise in Fangzi District. Fangzi Sub-branch makes full use of the guarantee combination model and handles a new comprehensive credit of 38 million yuan, including 17.5 million yuan for plant mortgage, 11.5 million yuan for land mortgage, and general equipment mortgage 4 million yuan, "tax financing" credit loan of 5 million yuan, effectively meet the financing needs of large-scale business operations.

Launched the "Sunshine Credit" project to solve the problems of single service products and backward service methods. The bank changed its marketing model, fully utilized the geographical advantages of familiarity, locality, and situation, and used mobile terminal equipment to penetrate the workshop and the market. In the first quarter, it handled bank cards, online banking, and mobile phones for 400 employees of 3 enterprises and institutions. In the banking business, only one company in Weifang Zhida Special Ceramics Co., Ltd. has opened 89 bank cards, 76 online banks and 154 mobile banking. At the same time, while carrying out active marketing services, it actively promotes the "Sunshine Credit" project, streamlines business processes, improves the efficiency of approvals, and provides customers with better quality financial services.