日前，蕉嶺縣(xian)召開2022年金融(rong)支持實(shi)體經(jing)濟暨金融(rong)生態建(jian)設(she)工作會(hui)議，并舉行蕉嶺縣(xian)首(shou)(shou)貸服(fu)務點授牌儀(yi)式，標(biao)志著(zhu)蕉嶺縣(xian)首(shou)(shou)個(ge)縣(xian)級金融(rong)首(shou)(shou)貸服(fu)務點正式設(she)立。

今(jin)年以來，蕉嶺(ling)(ling)縣(xian)金(jin)融(rong)工(gong)作局、人民(min)銀行(xing)(xing)蕉嶺(ling)(ling)縣(xian)支(zhi)行(xing)(xing)以“強化(hua)信貸扶持、優化(hua)服(fu)務(wu)(wu)(wu)對接(jie)、深化(hua)政(zheng)策支(zhi)持”為行(xing)(xing)動主(zhu)線(xian)，在縣(xian)行(xing)(xing)政(zheng)服(fu)務(wu)(wu)(wu)中心的企業(ye)(ye)登記柜臺旁增(zeng)設金(jin)融(rong)首貸服(fu)務(wu)(wu)(wu)點，縣(xian)域內8家銀行(xing)(xing)機構(gou)進(jin)駐服(fu)務(wu)(wu)(wu)點，為小(xiao)微(wei)企業(ye)(ye)和(he)(he)個體(ti)(ti)工(gong)商戶提(ti)供一(yi)站(zhan)式金(jin)融(rong)服(fu)務(wu)(wu)(wu)，讓(rang)市場經(jing)營主(zhu)體(ti)(ti)在縣(xian)行(xing)(xing)政(zheng)服(fu)務(wu)(wu)(wu)中心享受更(geng)加高效優質的政(zheng)務(wu)(wu)(wu)和(he)(he)金(jin)融(rong)對接(jie)服(fu)務(wu)(wu)(wu)。此(ci)舉進(jin)一(yi)步(bu)打通了(le)銀行(xing)(xing)和(he)(he)小(xiao)微(wei)企業(ye)(ye)、個體(ti)(ti)工(gong)商戶對接(jie)渠道，精準(zhun)有效增(zeng)加金(jin)融(rong)服(fu)務(wu)(wu)(wu)供給(gei)，有力破解了(le)小(xiao)微(wei)企業(ye)(ye)和(he)(he)個體(ti)(ti)工(gong)商戶首貸難題。

蕉嶺金(jin)融(rong)(rong)(rong)(rong)(rong)首(shou)貸(dai)服務(wu)點(dian)集政策(ce)宣(xuan)講(jiang)、數據分析(xi)、金(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)、監(jian)管(guan)跟蹤等(deng)功能(neng)于一體(ti)(ti)(ti)，金(jin)融(rong)(rong)(rong)(rong)(rong)系統工(gong)作人員通(tong)過(guo)主(zhu)(zhu)動(dong)宣(xuan)講(jiang)金(jin)融(rong)(rong)(rong)(rong)(rong)支持政策(ce)，提供有(you)針對(dui)(dui)(dui)性(xing)的(de)(de)金(jin)融(rong)(rong)(rong)(rong)(rong)產品，條件具備的(de)(de)企(qi)(qi)業(ye)當場(chang)即(ji)可完成貸(dai)款申請。對(dui)(dui)(dui)接(jie)過(guo)程中銀(yin)行針對(dui)(dui)(dui)小微(wei)企(qi)(qi)業(ye)和個(ge)體(ti)(ti)(ti)工(gong)商戶經(jing)營特點(dian)，堅持“一企(qi)(qi)一策(ce)”的(de)(de)對(dui)(dui)(dui)接(jie)思(si)路，對(dui)(dui)(dui)辦理企(qi)(qi)業(ye)登記和變更的(de)(de)客戶開(kai)展信(xin)(xin)貸(dai)需(xu)求摸(mo)底，幫助市(shi)場(chang)主(zhu)(zhu)體(ti)(ti)(ti)加入“粵(yue)信(xin)(xin)融(rong)(rong)(rong)(rong)(rong)、中小融(rong)(rong)(rong)(rong)(rong)”等(deng)融(rong)(rong)(rong)(rong)(rong)資對(dui)(dui)(dui)接(jie)平臺，運(yun)用平臺科技賦能(neng)，豐富貸(dai)款產品，提升審(shen)貸(dai)效率及風控能(neng)力(li)(li)，解決(jue)金(jin)融(rong)(rong)(rong)(rong)(rong)服務(wu)信(xin)(xin)息不(bu)對(dui)(dui)(dui)稱和風險防(fang)控問(wen)題。必要(yao)時進駐銀(yin)行后續對(dui)(dui)(dui)有(you)信(xin)(xin)貸(dai)需(xu)求的(de)(de)企(qi)(qi)業(ye)(個(ge)體(ti)(ti)(ti)工(gong)商戶)開(kai)展實地(di)走訪、宣(xuan)傳(chuan)輔導及服務(wu)對(dui)(dui)(dui)接(jie)，通(tong)過(guo)個(ge)性(xing)化信(xin)(xin)貸(dai)產品匹配(pei)、降低授信(xin)(xin)審(shen)批門檻、加強(qiang)融(rong)(rong)(rong)(rong)(rong)資擔保(bao)增(zeng)(zeng)信(xin)(xin)、加強(qiang)應收賬款質押(ya)融(rong)(rong)(rong)(rong)(rong)資等(deng)，為市(shi)場(chang)主(zhu)(zhu)體(ti)(ti)(ti)生(sheng)產經(jing)營提供精準(zhun)高效的(de)(de)金(jin)融(rong)(rong)(rong)(rong)(rong)支持，力(li)(li)促蕉嶺縣金(jin)融(rong)(rong)(rong)(rong)(rong)首(shou)貸(dai)服務(wu)“增(zeng)(zeng)量擴(kuo)面”，首(shou)貸(dai)戶數不(bu)斷增(zeng)(zeng)加。

據了(le)解，今年以來，作為常(chang)駐(zhu)縣行(xing)(xing)政服務中心(xin)的(de)銀(yin)行(xing)(xing)機構蕉嶺(ling)農商(shang)銀(yin)行(xing)(xing)已(yi)服務11戶首(shou)貸市場主(zhu)體，審(shen)核發放首(shou)貸金3218萬元。新發放普惠(hui)小微貸款(kuan)加權(quan)平(ping)均利率7.03%，同比下降了(le)69個基點。

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