The development of modern agriculture is inseparable from the support of agricultural machinery and equipment manufacturing industry, Weifang Rural Commercial Bank Fangzi Branch based on the actual situation of the jurisdiction, innovate the service "three rural areas" model, vigorously support the agricultural equipment manufacturing enterprises under the jurisdiction to carry out technological innovation, environmental protection transformation and new product research and development, radiation has driven the integrated development of trade, industry and agriculture. By the end of February, the balance of various loans of the bank was 2.15 billion yuan, of which the balance of loans to leading enterprises in agricultural machinery and equipment manufacturing and their upstream and downstream small and micro enterprises and individual industrial and commercial enterprises was 9 million yuan, accounting for 1.4%, an increase of 8.8 percentage points over the same period last year.

 

Carry out bank-enterprise docking activities to solve the problems of insufficient communication and information asymmetry between banks and enterprises. The agricultural equipment manufacturing enterprises under the jurisdiction are mostly small and micro enterprises, with an annual output value ranging from several million yuan to tens of millions of yuan, but due to their small scale, thin profits, few assets, and few business dealings with financial institutions, it is difficult to obtain bank loan support. In order to solve this problem, Fangzi Sub-branch strengthens its service awareness and actively builds a bridge between banks and enterprises. In January this year, 1 agricultural machinery and equipment manufacturing enterprises in the jurisdiction were invited to hold the "Health and Wellness Lecture and Financing Promotion Conference", and reached business cooperation intentions with 16 enterprises on the spot, of which 12 enterprises submitted financing applications. At present, 6 enterprise loans have been issued with an amount of 5.3550 million yuan.

 

Flexibly use the "1+N" guarantee combination model to solve the problem of single guarantee method and insufficient collateral. The agricultural equipment manufacturing enterprises under the jurisdiction are mostly small and medium-sized private enterprises, most of the land and real estate are unlicensed or leased, the service life of machinery and equipment is long, the actual value of fixed assets is generally not high, it is difficult to realize the mortgage, and the contradiction between the standardized management of loans and the insufficient collateral mortgage capacity is more prominent. Under the guidance of the credit policy of the bank's headquarters, the bank does not stick to a single guarantee method, flexibly uses the "1+N" guarantee combination model, and implements "tax financing", "guarantee pass", warehouse receipt pledge, equipment mortgage, bill pledge, patent right pledge and other "tailor-made" financing products suitable for the needs of enterprises such as "tax financing", "credit guarantee", warehouse receipt pledge, equipment mortgage, bill pledge, patent right pledge and so on for enterprises that meet the loan conditions. A machinery manufacturing company in Shandong is a key enterprise in Fangzi District, and the Fangzi branch makes full use of the guarantee combination model to handle 3800 million yuan of new comprehensive credit for it, including 1750.1150 million yuan of plant mortgage, 400.500 million yuan of land mortgage, <> million yuan of general equipment mortgage, and <> million yuan of "tax financing" credit loan, which effectively meets the financing needs of large-scale operation of enterprises.

 

Carry out the "sunshine credit" project to solve the problem of single service products and backward service means. The bank changed its marketing model, gave full play to the geographical advantages of familiarity, familiarity and familiarity, and used mobile terminal equipment to go deep into the workshop and market, handling bank cards, online banking and mobile banking for 3 employees of 400 enterprises and institutions in the first quarter alone, and opened 89 bank cards, 76 online banking and 154 mobile banking in Weifang Zhida Special Ceramics Co., Ltd. alone. At the same time, while carrying out active marketing services, we actively promote the "Sunshine Credit" project, streamline business processes, improve approval efficiency, and provide customers with better financial services.