Guizhou Anshun Branch of ICBC, keeping in mind the "biggest one in the country", closely focused on the main goal of inclusive finance, highly integrated inclusive finance with the characteristic industries, development opportunities and development paths within its jurisdiction, actively promoted the sustainable and balanced development of the financial industry, and promoted the transformation and upgrading of the local economic development mode. In recent three years, ICBC Guizhou Anshun Branch has provided nearly 3.4 billion yuan of inclusive loans to more than 3200 small and micro enterprises, self-employed businesses and small and micro business owners within its jurisdiction, ranking first in the industry in terms of the increment and growth rate of inclusive loans for three consecutive years.
Give full play to the advantages of local industries and make inclusive finance "grounded"
Since 2023, Guizhou Anshun Branch of ICBC has adhered to the spirit of the 20th National Congress of the Communist Party of China, taken serving the real economy and rural revitalization as its own responsibility, taken small and micro enterprises and self-employed businesses as the key customer groups of inclusive finance, constantly strengthened the supply of "living water" for inclusive finance, and worked hard to write a big article on "inclusive finance"; Relying on the construction of "two cities and three bases" in Anshun, closely centering on the development idea of "1558" of Anshun Municipal Party Committee, we have deeply laid out key sectors such as "inclusive+featured agriculture", "inclusive+cultural tourism industry", "inclusive+aviation city construction", and carried out several party building activities for government, banks and enterprises with district and county governments and enterprises within the jurisdiction, to effectively help local small and micro enterprises develop in a high-quality way. At the same time, taking the new generation of fast loan, preferential commercial loan and other products as the main focus of personal asset business expansion, we will go deep into shopping malls, pedestrian streets, shopping malls and other individual business clusters, accelerate the digital and retail transformation of inclusive finance, strengthen the implementation of the "outlets+inclusive" strategy, and extend financial services to rural and remote areas through the establishment of inclusive financial service stations, Improve the coverage of inclusive financial services.
"Rulin Road" Cultural Street in the ancient city of Anshun
"The development of traditional skills has always been the bottleneck of the development of cultural industries in various regions. When we first came into contact with Anshun batik, the development of the batik industry was on the decline. However, in order to better inherit the Anshun intangible heritage skills, our enterprises insisted on, faced difficulties, found financing, and found policies. Finally, with the strong support of the Anshun Municipal Party Committee, the Municipal Government, and the Industrial and Commercial Bank of China, we gradually stepped out The predicament has also made today's achievements, "said the principal of the Anshun Development Zone Fuyuan Batik Art Co., Ltd.
By the end of December 2023, ICBC Guizhou Anshun Branch had provided 1.888 billion yuan of inclusive loans, served 14.64 million inclusive customers, and actively used inclusive financial products with local characteristics, such as "industrial fast loan", "beef cattle breeding loan", "golden thorn pear loan", "Guizhou tourism fast loan", to help farmers increase income and revitalize the industry within its jurisdiction.
"Night Tour Huangguoshu" Immersive Tourism Experience Project
Strengthen innovation to empower industries and make inclusive finance "confident"
SME entrepreneurship loan is a financing product jointly designed and developed by Guizhou Anshun Branch of ICBC and Anshun Municipal People's Government for various traditional industries and emerging SMEs in this city. By taking the Anshun SME entrepreneurship and development financing risk compensation support fund as a credit enhancement measure, loans will be granted to eligible SMEs according to a certain magnification to meet the reasonable financing needs of normal production and operation in the process of enterprise development. It effectively solved the problem of "two no's" (no mortgage, no guarantee) for small, medium-sized and micro enterprises, and enabled enterprises that meet the "four have's" (marketable products and sales contracts, stable cash flow, sound financial accounting, and normal tax records) criteria to dare to lend, be able to lend, and receive loans, effectively solving the problem of "difficult and expensive financing". By the end of December 2023, "SME entrepreneurship loan" has supported more than 430 customers in total, with an accumulated loan amount of nearly 2.2 billion yuan.
"Tea needs a lot of manpower, material resources and financial resources from land circulation - land preparation - planting - management - tea picking - processing - sales and other links. The time difference between the company's initial working capital investment and the return of payment for goods has led to our urgent need for working capital to support the daily operation transfer. However, we do not have collateral assets, and it is difficult to get loans, which is exactly what ICBC Guizhou Anshun Branch has The "SME entrepreneurship loan" has solved our urgent need. " Said the founder of Duobei Chonghua Tea Industry Co., Ltd. in Puding County, Anshun City, Guizhou Province.
The characteristic agricultural product of Anshun City "Zhenning Bee Sugar Plum"
In recent years, ICBC Guizhou Anshun Branch has continued to give "positive energy" to inclusive finance for local industries with "innovation", innovatively implemented products such as "industrial new agricultural loan beef cattle breeding loan", "planting e-loan fine fruit loan", "planting e-loan traditional Chinese medicine material loan", expanded the audience, and took the comprehensive service advantage of "financing+intelligence+commerce", It played the "strongest voice" of the era of inclusive financial services for rural revitalization.
Reduce fees to benefit people and make inclusive finance "bright"
In recent years, Guizhou Anshun Branch of ICBC has insisted on taking inclusive financial business as a specific means of implementing the political and people oriented nature of financial work, reducing individual and enterprise operating costs by actively reducing fees and profits, innovating working ideas, strengthening professional learning, and actively empowering the grassroots to expand their thinking, take action, strengthen their responsibilities, and seek practical results, It has effectively injected "strong power" into the whole district for inclusive finance. On the one hand, reduce the collection of all kinds of fees. By the end of December 2023, ICBC Guizhou Anshun Branch has exempted more than 750000 yuan from account management fees for small and micro enterprises, more than 500000 yuan from account opening fees, and nearly 60000 yuan from interest collection service fees, benefiting more than 730 individual businesses in total. Meanwhile, since 2023, nearly 80 enterprises and business owners have been exempted from mortgage registration fees and assessment fees of nearly 450000 yuan. On the other hand, the interest rate of all kinds of loans was reduced. Compared with 2020, the interest rate of inclusive finance loans of Guizhou Anshun Branch of ICBC dropped by nearly 35 BP, greatly reducing the financing pressure for inclusive customers and expanding the profit space.
The characteristic agricultural product of Anshun City "Jinrosa roxburghii"
"With the financial support of ICBC, the construction of the high standard vegetable planting demonstration area in our district has been accelerated, and the scale of vegetable planting has been further expanded. From the scattered vegetable fields in the past to the modern agricultural ecological parks, the construction of the high standard vegetable planting demonstration area has promoted the increase of farmers' production and income, directly benefiting 19862 people from 6381 households, with a per capita income of 14800 yuan, of which The income of 623 out of poverty households increased steadily by 2248 people, realizing consolidation expand The results of poverty alleviation and rural revitalization are effectively linked. " Anshun Pingba District Bureau of Agriculture and Rural Affairs, a staff member said.
Next, ICBC Guizhou Anshun Branch will continue to enhance its service awareness, continuously improve the quality of inclusive financial services, bring preferential policies and dividends of inclusive finance to every customer and enterprise, actively practice the responsibility of "state-owned big banks", consolidate the foundation of inclusive financial services, and comprehensively help the rural revitalization and real economy development and construction of Anshun City, Showing the "bottom color for the people" of inclusive finance.
Source: ICBC Guizhou
Edit Long Hairuo
Second instance Wang Xiaoting
Third instance Zhou Wenjun
