Jincheng News from this newspaper: In recent years, Yangcheng Rural Commercial Bank has paid close attention to the difficult and painful issues in the development of the manufacturing industry, continued to increase financial support for the real economy, and assisted the construction of Yangcheng Ceramics and Glaze Characteristics Professional Town. So far, the bank has provided a total of 316 million yuan in loans to ceramic enterprises and upstream and downstream enterprises, which has effectively promoted the high-quality development of the ceramic industry.
Innovative products inject "financial momentum" into the ceramic industry. Focusing on the characteristics of the ceramic industry, identifying project positioning, strengthening the connection between banks and enterprises, and launching a series of convenient and efficient credit products based on local conditions according to the financing needs of enterprises in the production, acquisition, and processing processes to meet the credit capital needs of the entire process and the entire industry chain. . In response to the pain point of lack of mortgage assets for start-up ceramic companies, the "Yinshui Loan" and "Liu Shui Loan" products were launched; using the credit of core enterprises to extend credit to downstream enterprises, the "Order Loan" and "Bill Loan" were launched to help enterprises solve remittances during the development period. Slow and insufficient cash flow problems. At the same time, we focus on the problem of insufficient collateral and lack of guarantees for young makers, and launch a targeted "entrepreneurship loan" to fully meet the financing needs of enterprises of all types and at all stages of development.
Efficient services "empower and increase efficiency" for the development of the ceramic industry. According to the docking list of key enterprises and projects in the county, a "white list" mechanism was established to conduct a comprehensive investigation of ceramic enterprises within the jurisdiction, focus on corporate information collection, implement point-to-point services for customers with credit needs, and establish a "quick adjustment, The "Quick Review, Quick Approval" mechanism further optimizes the application, approval, and issuance processes, further shortens the processing process, speeds up loan disbursement, and improves customer credit experience. The North Anyang Branch of the bank is stationed in the central area of Anyang Ceramics Industrial Park. Among the companies it serves, 90% are upstream and downstream companies related to ceramics. In order to give full play to its location advantages, the branch divides the industrial park companies according to areas. Weekly door-to-door visits are provided to support "package" marketing such as payment and settlement, salary payment, corporate business, etc. Account managers come to help corporate customers become proficient in rural commercial banks' financial products, allowing customers to complete the required business conveniently and efficiently. So far, the bank has reached cooperative relationships with more than 20 well-known local ceramic companies to provide financial services to large, medium, small and micro enterprises throughout the ceramic industry chain.
Credit support provides a "green engine" for the ceramic industry. Yangcheng County Nature Ceramics Company was established in 2003. It was the first enterprise to attract investment in the park. It mainly produces and sells interior wall tiles with an annual production capacity of 8 million square meters. However, with the influence of real estate policies and the increasingly fierce competition in the ceramic industry , the company has excess production capacity, and the capital chain faces the risk of breaking at any time. Faced with difficulties, Yangcheng Rural Commercial Bank took the initiative to provide door-to-door services, help enterprises transform and upgrade, formulate special financing plans, and issue loans of 12 million yuan to enterprises. After receiving help from the Rural Commercial Bank, Yangcheng County Nature Company immediately transformed and renovated its production line, becoming the first enterprise in the park to enter the market with high-end products. Today, the company's profits are booming and its businessThe 5D inkjet polished mirror interior wall tiles produced have reached the national first-class level, and the products are sold all over the country. (Tian Zheyu)
