Shantou's financial resources have sunk, and the rural areas have taken on a new look. Information**.
The key to achieving high-quality development and speeding up the catch-up of the special zone in economic construction lies in transforming the shortcomings of county, town and village development into potential boards for high-quality development, and promoting the coordinated development of urban and rural areas.
Since 2023, the Shantou Supervision Branch of the State Administration of Financial Supervision and Administration has thoroughly implemented the deployment requirements of the Provincial Party Committee and the Provincial Government on the implementation of the "Millions and Thousands of Projects", actively assumed responsibility, strengthened window guidance and supervision services, and gathered the joint efforts of all parties to promote the banking and insurance institutions in the jurisdiction to effectively strengthen the protection of the financial elements of the "Millions and Millions Project", and empower and improve the quality of Shantou's promotion of the "Millions and Millions of Projects".
Written by: Xie Jialong and Huang Xiaochuan.
Sink financial resources into the village to the household.
The "Millions and Millions Project" is the number one project for Guangdong's high-quality development, and it is also an important measure for Guangdong to solve the shortcomings of the unbalanced development of urban and rural areas. The Shantou Supervision Branch of the State Administration of Financial Supervision and Administration will focus on the goal of the "Millions and Millions Project", give full play to its regulatory functions, set up a special leading group for financial support for the "Millions and Millions Project", formulate special statistical reports for agriculture-related loans and rural basic financial services, establish a data monitoring and notification mechanism, and guide the banking and insurance institutions under its jurisdiction to increase their support for key areas and weak links in the county area.
At the same time, the sub-bureau guided the Shantou Banking Association and the Shantou Insurance Industry Association to jointly issue a proposal for financial support for the "Millions and Millions Project", guided banking and insurance institutions to establish a special mechanism for serving the "Millions and Millions Project", and promoted policy banks, large banks, joint-stock banks, local small and medium-sized corporate banks, and insurance institutions within their jurisdiction to continue to improve the county-level financial service system with clear levels, complementary advantages, and professional focus, so as to better meet the financial needs of counties, towns and villages.
As of the end of November 2023, the balance of agriculture-related loans of Chinese-funded banking institutions under the jurisdiction of Shantou was 4632.8 billion yuan, an increase of 12 from the beginning of the year98%；Inclusive agriculture-related loans 1192.8 billion yuan, an increase of 27 from the beginning of the year99%；The balance of loans in the food priority area was 125.7 billion yuan, an increase of 15 percent from the beginning of the year12%。
If you want to make it high, you must enrich its foundation. In order to develop county-level finance, the construction of grass-roots financial services is a prerequisite. First of all, the sub-bureau focused on the construction of the rural financial service system, and guided the banking institutions under its jurisdiction to provide village-wide credit to nearly 700 credit villages in Shantou, with an amount of more than 10 billion yuan. Secondly, the sub-bureau gave full play to the efficiency of 12 rural revitalization financial service stations in Shantou City, integrated the resources of banking and insurance institutions to build a rural financial supermarket, and completed a total of 2370,000 households, providing one-stop and diversified inclusive financial services for agriculture-related entities.
In addition, the sub-bureau urged the relevant banking institutions to speed up the filing and rating of new agricultural business entities, and the relevant filing rating rate has reached 100%. Guide banking and insurance institutions to practice the concept of "industrious finance", and take "inclusive financial account access" as the starting point to bring financial services to the factory floor and the front line in the field. For example, the Shantou Branch of the Agricultural Bank of China and the four rural commercial banks under its jurisdiction have dispatched 936 financial assistants to play an important role in the "Millions of Millions Project" of irrigating financial resources.
Escort the take-off and development of characteristic industries.
Industry is the key to economic development, and vigorously cultivating industries with special advantages is the key task of grasping the economic development of the county. Based on this, the Shantou Supervision Branch of the State Administration of Financial Supervision and Administration has promoted the expansion and quality of financial supply in key areas.
The first single rice seedling raising insurance, the first comprehensive insurance for damage to farmland facilities, the first single vegetable meteorological index insurance, and the first lightning disaster relief insurance have been implemented in Shantou, and the "Millions ......of Projects" loan products such as lion head goose loan, fisherman loan, homestay loan, and Cantonese cuisine master loan have been launched one after anotherThese are vivid footnotes to the financial escort of Shantou's characteristic industries.
The sub-bureau guides the insurance institutions under its jurisdiction to focus on the main responsibility and main business of risk protection to escort agricultural production. In the first 11 months of this year, the sub-bureau provided agricultural risk protection303.9 billion yuan, a year-on-year increase of 39%;Payout payout11.3 billion yuan, which was 24 times. At the same time, the sub-bureau guided the banking institutions under its jurisdiction to launch more than 100 loan products of various types of "Millions of Projects", and supported the construction of Shantou provincial and municipal modern agricultural industrial parks with a credit line of 23700 million yuan, and a total of 8 credit funds will be invested in Shantou provincial and municipal modern agricultural industrial park projects in 2023600 million yuan.
Not only that, the sub-bureau also organized and carried out the activity of "going to thousands of enterprises to improve confidence and excellent service", and the Chinese-funded banks under its jurisdiction connected with all kinds of small, medium and micro enterprises with more than 1720,000 households, 16.3 billion yuan of loans were issued to more than 1,700 enterprises, helping Chenghai toy creative traditional advantageous industries to transform and upgrade to data and intelligence, and supporting the value-added and quality improvement of textile and garment industries in Liangchao.
In terms of the ecological construction of Lumei Shantou, the sub-bureau guided the banking institutions under its jurisdiction to invest a total of 5 loans in the field of agricultural and rural infrastructure4.8 billion yuan to support the improvement of the living environment in Shantou's rural areas. The sub-bureau also instructed banking institutions to issue the first carbon emission rights pledge loan of 2 million yuan in eastern Guangdong to help enterprises revitalize carbon quota assets and solve the problem of enterprises lacking effective collateral.
Help marine ranches become stronger.
The ocean is a strategic place for high-quality development and a powerful engine for economic development. The long coastline and abundant fishery and sea wind resources give Shantou unique advantages in the development of marine ranches and offshore wind power. The Shantou Supervision Branch of the State Administration of Financial Supervision and Administration promoted financial support for the high-quality development of the marine economy, improved the organizational structure, guided the Dahao Branch of the Agricultural Bank of China to list the "Marine Industry Financing Service Center", set up a special team for marine ranching, and guided the Shantou Branch of the Industrial and Commercial Bank of China to set up a South Australia Rural Revitalization Service Team on the island, set up a business green channel, and establish a collaborative service mode of "outlets + service points + outreach + live broadcast".
In terms of supporting the construction of key projects, the sub-bureau and other financial departments and units held a matchmaking meeting for the high-quality development of financial empowerment of modern marine ranches, and guided banking institutions to sign a 2 billion yuan financial strategic cooperation agreement with Shantou Aquatic Industry Association. In addition, 10 banking institutions under its jurisdiction have also provided more than 6 billion yuan of on-balance sheet and off-balance sheet financing for key projects in Shantou's wind energy industry, helping the high-quality development of Shantou's marine industry with real credit investment.
It is worth mentioning that the sub-bureau strengthened the innovation of financial services, guided the Shantou Branch of PICC Property Insurance to implement the province's first oyster farming typhoon wind circle and ** index comprehensive insurance, and the city's first geographical indication insurance - "Nanao Oyster" geographical indication infringement loss insurance, giving full play to the role of geographical indications in rich farmers and rejuvenating agriculture. Shantou Branch of Minsheng Bank used the right to use the sea area to solve the financing needs of deep-sea aquaculture enterprises, and landed 5 million yuan of sea ranch credit financing business.
Front-line practice. Banks and enterprises visit "face to face".
The need for financing is not in vain.
In order to support the development of small, medium and micro enterprises, the Shantou Supervision Branch of the State Administration of Financial Supervision and Administration organized the activity of "Going to Ten Thousand Enterprises, Improving Confidence and Excellent Service".
At the 2nd China Chaoshan International Textile and Garment Expo, Chaoyang Rural Commercial Bank adopted the publicity and marketing model of "booth construction + sweep visit" to ensure that enterprise consultation is not empty and the service is not missing, and a total of 166 exhibitors were visited in 3 days to promote the high-quality development of the real economy, such as "settlement loan", "plant operation loan" and "equipment mortgage loan" and other financial products and services, on-site docking of customer financial needs, the formulation of preliminary financial service plans and other ways to smooth the channels of communication between banks and enterprises in multiple dimensions.
CCB Shantou Branch, in cooperation with Shantou Catering Association, Investment and Financing Chamber of Commerce, "Three New, Two Special and One Large" Industry Association and Chenghai Toy Association, participated in the 4th General Meeting of the 2nd Shantou High-tech Enterprise Association, introduced in detail to more than 30 member enterprises of the association, introduced key products such as "Good New Loan", "Small and Micro Science and Technology Innovation Loan" and "Mortgage Quick Loan" and related preferential policies to more than 30 member enterprises participating in the association, launched targeted comprehensive financial service solutions, and provided customers with exclusive financing policies and financing products.
In addition, Shantou is currently speeding up the construction of a regional medical highland, focusing on building a large health industry cluster of more than 50 billion yuan. Shantou Branch of Minsheng Bank and Shantou Pharmaceutical Chamber of Commerce held a strategic cooperation kick-off meeting and financial product promotion meeting and signed a strategic cooperation agreement to provide members of the association with no less than 2 billion yuan of intentional financing line support. Since the beginning of this year, IB Shantou Branch has stepped up efforts to promote financial services for scientific and technological innovation customers such as "specialized, refined, special and new", and provided comprehensive services for different types of enterprises that match their development stage to meet the business needs of high-quality development. As of the end of November 2023, a total of 34.3 billion yuan.
The Shantou Supervision Branch of the State Administration of Financial Supervision and Administration instructed the Shantou Banking Association to compile the relevant financial products and services policies of banking institutions to support micro, small and medium-sized enterprises into a book, and widely publicize them through online channels, so that the majority of small, medium and micro enterprises can know about the relevant policies and products, and improve the accuracy and convenience of financial services.