蔡甸：“信用培植”助中小微企业破解融资难
<section style="box-sizing: border-box; text-align: justify;"><section style="margin-top: 10px; margin-bottom: 10px; position: static; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; border: 1px solid rgb(255, 255, 255); padding: 10px; background-color: rgb(188, 227, 249); box-sizing: border-box;"><section style="font-size: 17px; line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">“太感谢了！武汉农商行200万元的贷款已到账，资金问题解决了。”电话中，武汉福民洋生态农业科技发展有限公司负责人高兴地对人民银行蔡甸支行工作人员说。</p></section></section></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; position: static; box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><section style="line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p></section><section style="display: inline-block; width: 100%; border-width: 0px 0px 0px 1px; border-style: solid; border-left-color: rgb(91, 189, 255); border-right-color: rgb(91, 189, 255); padding: 10px; box-sizing: border-box;" powered-by="xiumi.us"><section style="font-size: 17px; line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">武汉福民洋生态农业科技发展有限公司是蔡甸区一家水产品养殖和销售的农业企业，但固定资产少，管理不规范，财务制度不健全，又受前期疫情和汛情的双重影响，公司急需发展资金。人民银行蔡甸支行在了解该企业具体情况后，及时将其纳入培植库对企业进行信用培植。武汉农商行蔡甸支行在得到定期更新的企业培植名录后主动开展对接帮扶，抽调两名专业客户经理对企业进行信用和财务业务辅导，帮助聘请第三方财务公司收集和整理相关资料，助力企业提升信用和财务管理能力，扶持其尽快达到融资条件，迅速解决了企业的融资难题。</p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">今年以来，人民银行蔡甸支行扎实推动“我为群众办实事”实践活动走深走实，牵头在全区积极推进融资困难企业信用培植工程，会同当地政府职能部门和银行机构组建专家团队，开设“联合专家门诊”，为企业诊疗助力，以“小切口”推动金融对接能力“大变化”，为有发展前景、暂时遇到困难的中小微企业保驾护航，助力企业融资。</p></section></section><section style="line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;">通过信息共享机制，蔡甸区政府相关部门及街道收集融资困难企业基本信息，经银行机构筛查后，逐户向企业反馈“初诊”结果，确定可培植企业名录，建立“三库”（即已获融资企业库、信用培植企业库和后备企业库），将符合条件的企业分类入库管理，综合诊断。</span></p></section><section style="box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></p></section><section style="text-align: center; margin-top: 10px; margin-bottom: 10px; position: static; box-sizing: border-box;" powered-by="xiumi.us"><section style="max-width: 100%; vertical-align: middle; display: inline-block; line-height: 0; box-sizing: border-box;"></section></section><section style="line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;">诊断过程中，人民银行蔡甸支行牵头与相关部门、银行机构开展实地走访调查，现场“把脉”，寻找企业陷人融资困难的“病灶”；找到缺乏抵押物、财务报告不规范等问题后，该行及时整合收集问题，为企业量身定制培植方案，建立“一企一策培植辅导事项清单”；通过工作推进会、领导小组工作会、对接帮扶会等联席会议，与有关部门和银行共同帮助企业解决难题。</span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;">“人民银行和武汉农商行真为我们企业解决大问题了，不仅帮我们拓展贷款方式，解决了流动资金问题，连后期厂房建设的项目贷款也有着落了。”森澜生物科技有限公司是一家生产营养食品的科技型企业，由于抵押物不足，企业一直难以获得贷款扩大生产。申报进入信用培植库后，经人民银行蔡甸支行走访宣传和联系，该企业通过股权质押贷款方式从武汉农商行蔡甸支行获得了600万元流动资金贷款和2800万元5年期中长期贷款，解决了公司流动资金和基建资金不足的问题。</span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;">授人以鱼不如授人以渔。人民银行蔡甸支行联合区金融办积极与武汉市融资担保公司对接商讨推进“再担园区贷”项目在蔡甸区的推广应用；督导银行机构推介合适的信贷产品，列出企业需要改进的方向，助力企业提升信用和财务管理能力，尽快达到融资条件。</span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;">武汉农商行蔡甸支行负责人周阳表示，</span></p></section><section style="margin-top: 10px; margin-bottom: 10px; position: static; box-sizing: border-box;" powered-by="xiumi.us"><section style="padding-bottom: 1.2em; box-sizing: border-box;"><section style="display: inline-block; vertical-align: top; line-height: 1em; height: 1em; margin-top: -0.5em; box-sizing: border-box;"><span style="display: inline-block; vertical-align: top; font-size: 80px; line-height: 1em; color: rgb(59, 194, 255); box-sizing: border-box;">“</span> <section style="width: 4em; border-bottom: 1px solid rgb(59, 194, 255); display: inline-block; vertical-align: middle; margin-top: 1.6em; margin-left: -0.6em; box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section></section><section style="margin-top: -0.5em; padding: 10px; box-sizing: border-box;"><section style="font-size: 17px; line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="clear: none; white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">消除银行‘敢贷’的‘后顾之忧’，增强银行‘愿贷’的‘内生动力’，推动银行‘会贷’的‘模式创新’，指导帮助企业拓宽融资渠道，实现了银行和企业的双赢。后期我行将继续践行‘真金白银’助力中小微企业发展的初心使命。</p></section></section><section style="display: inline-block; height: 1em; float: right; line-height: 1; box-sizing: border-box;"><section style="display: inline-block; vertical-align: top; width: 4em; border-bottom: 1px solid rgb(59, 194, 255); box-sizing: border-box;"><section><svg viewbox="0 0 1 1" style="float:left;line-height:0;width:0;vertical-align:top;"></svg></section></section><span style="display: inline-block; vertical-align: top; font-size: 80px; margin-top: -0.11em; margin-left: -0.1em; color: rgb(59, 194, 255); box-sizing: border-box;">”</span></section></section></section><section style="line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"><br style="box-sizing: border-box;"/></span></p></section><section style="margin-top: 10px; margin-bottom: 10px; position: static; box-sizing: border-box;" powered-by="xiumi.us"><section style="display: inline-block; width: 100%; border: 1px solid rgb(59, 194, 255); padding: 10px; box-shadow: rgb(255, 255, 255) 0.2em 0.2em 0.3em; box-sizing: border-box;"><section style="font-size: 17px; line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;">今年开展信用培植工程以来，蔡甸区各行业主管部门及所属街道共推介融资困难企业68家，经过逐户对接，剔除信用状况不良、无融资需求等不符合条件的企业后，登记入“三库”企业43家，其中已有29家企业成功获得贷款1.34亿元。 </p></section></section></section><section style="line-height: 2; letter-spacing: 1px; box-sizing: border-box;" powered-by="xiumi.us"><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"> </span><br style="box-sizing: border-box;"/></p><p style="white-space: normal; margin-top: 0px; margin-bottom: 0px; padding: 0px; box-sizing: border-box;"><span style="font-size: 17px; box-sizing: border-box;"></span></p><section style="overflow-wrap: break-word; max-width: 100%; font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; letter-spacing: 1px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); box-sizing: border-box;"><section powered-by="xiumi.us" style="overflow-wrap: break-word; max-width: 100%; margin-top: 0.5em; margin-bottom: 0.5em; box-sizing: border-box;"><section style="overflow-wrap: break-word; max-width: 100%; height: 1px; background-color: rgb(160, 160, 160); box-sizing: border-box; line-height: 0;"><br style="overflow-wrap: break-word;"/></section></section></section><p style="overflow-wrap: break-word; margin-top: 0px; margin-bottom: 0px; padding: 0px; font-family: -apple-system-font, Helvetica, PingFang SC, Hiragino Sans GB, Arial, Microsoft YaHei; letter-spacing: 1px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255);"><span style="overflow-wrap: break-word !important; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px;">来</span><span style="overflow-wrap: break-word; letter-spacing: 0.544px;">源：蔡甸融媒记者 王娟 喻萌</span></span><br style="overflow-wrap: break-word;"/></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;">制作：</span><span style="font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; max-width: 100%; color: rgb(136, 136, 136); letter-spacing: 0.544px; overflow-wrap: break-word !important; box-sizing: border-box !important;">邓柳</span><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;"> | </span><span style="overflow-wrap: break-word; color: rgb(136, 136, 136); letter-spacing: 0.544px;">编辑：方丹 熊霞 | </span><span style="overflow-wrap: break-word; letter-spacing: 0.544px; color: rgb(136, 136, 136);">责编：方军</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; color: rgb(136, 136, 136); max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px; max-width: 100%; line-height: 19.2pt;"><span style="overflow-wrap: break-word; font-weight: 700; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">出品：</span></span>蔡甸区融媒体中心</span></span></span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; color: rgb(136, 136, 136); max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px; max-width: 100%; line-height: 19.2pt;"><span style="overflow-wrap: break-word; font-weight: 700; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;">版权声明：此文为原创作品，转载须获授权，否则视为抄袭侵权。</span></span></span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; color: rgb(136, 136, 136); max-width: 100%; box-sizing: border-box !important;"><span style="overflow-wrap: break-word; letter-spacing: 0.544px; max-width: 100%; line-height: 19.2pt;"><span style="overflow-wrap: break-word; font-weight: 700; letter-spacing: 0.544px;"><span style="overflow-wrap: break-word !important; max-width: 100%; box-sizing: border-box !important;"><br style="overflow-wrap: break-word;"/></span></span></span></span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; text-align: center; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;">您有新闻线索，请联系我们：</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;">热线电话：027-84942678</span></p><p style="margin: 0cm 0cm 0.0001pt; padding: 0px; text-align: justify; white-space: normal; color: rgb(67, 74, 84); font-size: 14px; background-color: rgb(255, 255, 255); max-width: 100%; min-height: 1em; font-family: -apple-system-font, BlinkMacSystemFont, Helvetica Neue, PingFang SC, Hiragino Sans GB, Microsoft YaHei UI, Microsoft YaHei, Arial, sans-serif; letter-spacing: 0.544px; line-height: 19.2pt; overflow-wrap: break-word !important; box-sizing: border-box !important;"><span style="overflow-wrap: break-word !important; letter-spacing: 0.544px; max-width: 100%; color: rgb(136, 136, 136); box-sizing: border-box !important;">投稿邮箱：2187431778@qq.com</span></p></section></section><link rel="stylesheet" href="http://bbs.whcdrm.com/source/plugin/wcn_editor/public/wcn_editor_fit.css?v134_xU4" id="wcn_editor_css"/>
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