Tianjin deepens “transfer loan” cooperation to solve “financing difficulties” of private small and micro enterprises
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In order to further leverage the respective advantages of development financial institutions, commercial banks, and financing guarantee institutions, promote the high-quality development of inclusive finance, and help solve the problems of “difficult financing” and “expensive financing” for private small and micro enterprises such as scientific and technological innovation, on March 22 , Municipal Federation of Industry and Commerce, Municipal Finance Bureau, Tianjin Branch of China Development Bank, and Tianjin Rural Commercial Bank jointly held a signing ceremony and financial matchmaking meeting for special transfer loans for private small and micro enterprises such as developmental financial support for science and technology innovation.
On-lending is an inclusive product specially used by China Development Bank to take advantage of wholesale funds to support small and micro enterprises. It reduces the financing cost of commercial banks and enhances the ability to serve small and micro enterprises. Gu Tianyi, President of the Tianjin Branch of the China Development Bank, said that after the establishment of the on-lending loan, they cooperated with four local legal person institutions on the on-lending business, with a total of 19 billion yuan in credit and 15.175 billion yuan on the on-lending loan, providing assistance to 186,900 small and micro enterprises in the city. Solve financing problems with individual industrial and commercial households, among which 5.03 billion yuan will be issued to four on-lending banks in 2022, give full play to the interest rate transmission mechanism, gradually reduce corporate financing costs, benefit enterprises and the real economy, and guide cooperative banks to support through preferential interest rates List of key industrial chains and upstream and downstream inclusive small and micro enterprises.
At the meeting, the Municipal Federation of Industry and Commerce and the Tianjin Branch of the National Development Bank signed the “Agreement on Deepening Cooperation on Special Transfer Loans for Development-oriented Financial Support for Science and Innovation and Other Private Small and Micro Enterprises”; the Tianjin Branch of the National Development Bank, Tianjin Bank, and Tianjin Rural Commercial Bank . The total amount is 4.5 billion yuan; Bank of Tianjin, Tianjin Rural Commercial Bank, Binhai Rural Commercial Bank, and Jincheng Bank signed the “Framework Agreement on Small and Micro Enterprise On-Lending Services” with representatives of 10 enterprises.
Tang Yiping, deputy secretary of the party committee and president of Tianjin Rural Commercial Bank, said that in the past year, Tianjin Rural Commercial Bank used on-lending funds to grant a total of 1.93 billion yuan in loans to small and micro enterprises. Next, we will further use on-lending tools to reduce the financing costs of private small and micro enterprises, comprehensively promote the transformation and upgrading of financial services for private small and micro enterprises, focus on government finance, inclusive finance, industrial finance, and rural revitalization, and accurately pour out the continuous financial flow The development of private small and micro enterprises will “add scale” to Tianjin’s comprehensive construction of a socialist modern metropolis.
The holding of this meeting and the signing of relevant agreements will further leverage the complementary advantages of China Development Bank and local legal entities, expand cooperation areas, establish a cooperation mechanism and financing model that accurately serve private small and micro enterprises, deepen cooperation space, and help the city’s scientific and technological innovation The high-quality development of private small and micro enterprises has reached a new level.
Sun Yang, deputy director of the Municipal Finance Bureau, said that the city’s financial system has thoroughly implemented the package of policies of the Party Central Committee, the Municipal Party Committee, and the Municipal Government to stabilize the economy, and strengthened coordination and linkage to help Tianjin’s economic operation stabilize and improve. , The service scale, quality and efficiency continued to improve steadily. In the next step, the Municipal Finance Bureau will stick to the origin of finance, further promote the construction of financial innovation and operation demonstration zones, make full use of monetary policy tools such as technological innovation re-loans, small-scale re-loans, etc., and focus on developing policy-oriented financial institutions such as the National Development Bank Demonstrate the leading role and the main force role of local corporate financial institutions, solidly carry out related work such as industrial finance, science and technology innovation finance, and inclusive finance, and promote the high-quality development of science and technology innovation enterprises and the private economy.
Lou Jie, chairman of the Municipal Federation of Industry and Commerce and chairman of the Municipal General Chamber of Commerce, said that this signing is an important achievement of the linkage between government, banks, undertakings and enterprises. On this basis, the Municipal Federation of Industry and Commerce will deepen cooperation with various financial institutions, give full play to the role of bridges and assistants, and work with relevant government departments and financial institutions to explore a diversified cooperation model that is more in line with the actual needs of private enterprises, and continue to optimize private enterprises The financing environment can effectively help private enterprises stabilize expectations and increase confidence, effectively stimulate the vitality of private investment and the development of private enterprises, and promote the effective improvement of quality and reasonable growth of the city’s economy.
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