Liaoning Branch of Bank of China gave full play to its role as the financial "main force" of a large state-owned bank, focused on the "42 measures" to stabilize the economy in Liaoning, focused on key areas, key industries and weak links supported by the state and Liaoning Province, and launched 22 projects to support the real economy Measures, taking multiple measures to bail out market players, support the resumption of work and production, and serve the people's livelihood, are pragmatic, accurate, and practical, and support Liaoning Province with practical actions to stabilize the economy, maintain growth, and promote development.
1. Fully serve the development of regional green finance.Actively support 6 major fields of energy conservation and environmental protection industry, clean production industry, clean energy industry, ecological environment industry, green upgrade of infrastructure, and green service that meet the technical standards of the "Green Industry Guidance Catalogue".Make good use of the special support policies for supervision, implement carbon emission reduction support tools and special re-lending support tools for clean and efficient use of coal.Combined with the regional reality, we will make every effort to explore green development opportunities in the brown industry, support the green transformation and transformation of traditional brown industries such as coal, steel, petrochemical, thermal power, and cogeneration, and comprehensively assist in the low-carbon transformation of traditional industries.
2. Increase financial support for science and technology.Actively implement re-lending policy tools for scientific and technological innovation, increase support for high-tech enterprises in Liaoning Province, "specialized and special new/little giants", and individual manufacturing champions, improve the coverage of financial services, and promote the intellectual property rights of scientific and technological enterprises. conversion application.Support technology companies to "go overseas", provide comprehensive financial services such as cross-border settlement, global cash management, and cross-border financing, and build a "leading bank" in technology finance.
3. Increase the supply of medium and long-term loans to the manufacturing industry.Adjust the "three major articles" around Liaoning's structure, cultivate and expand advanced manufacturing clusters, and accelerate the transformation of Liaoning manufacturing to "Liaoning intelligent manufacturing".Actively promote the manufacturing industry to strengthen the chain and supplement the chain, focus on weak links such as breakpoints and blockages of core components, increase the support for medium-term working capital loans in the manufacturing industry, and help enterprises penetrate the cycle.
Fourth, make every effort to meet the funding needs for infrastructure construction.The first is to speed up the implementation of key railways, highways, and rail transit projects in Liaoning Province, and support the construction of highway sections to be penetrated and the expansion and reconstruction of busy sections.The second is to actively support key nuclear power, pumped storage, LNG gas storage, wind power photovoltaic bases, etc. in Liaoning Province to ensure the start of construction of key projects.Support coal reserves and ensure coal supply for power generation and heating enterprises.The third is to support the construction of projects such as flood control improvement in the main stream of the Liaohe River, key water network projects, and water-saving renovation, and promote the high-quality development of water conservancy in the new stage.The fourth is to increase support services for urban water supply, heating, gas supply, sewage treatment, garbage disposal and other fields to ensure the smooth implementation of projects in the field of public services.Fifth, actively explore to revitalize existing loans through real estate investment trust funds (REITS), and actively support infrastructure construction.
5. Support the steady and healthy development of real estate.Provide reasonable credit support to real estate enterprises.Increase credit support for key areas and specific projects such as urban renewal and park construction, actively serve new citizens and young people, vigorously support affordable rental housing projects, and provide financial support for new construction, purchase, operation and other needs to help Liaoning Province achieve The goal of raising affordable rental housing.
6. Provide one-stop cross-border financial services.Establish 50 cross-border characteristic institutions in the province, and provide customers with one-stop cross-border, end-to-end services of all categories through the "1+N" operation model, and enhance foreign-related business in education and teaching, free trade, business office and other fields Radiation capability and expand service radius.Strengthen cooperation with cross-border service agencies such as study abroad service agencies, labor dispatch companies, and Chinese-funded overseas branches, and strengthen all-round and full-chain services to customers.
7. Ensure the stability of the industrial chain and supply chain.Support the "strengthening chain", "fixing the chain", "extending the chain" and "replenishing the chain" of the characteristic industrial chain in Liaoning region, comprehensively using the product portfolio service model, and increasing the financial support for the supply chain of core enterprises and their upstream and downstream small and micro enterprises .Focusing on industrial chains such as biomedicine, high-end equipment manufacturing, new infrastructure, new energy, etc., it introduced exclusive service plans, effectively leveraged the advantages of the supply chain financial product system of "tickets, certificates, financing and loans", and increased supply chain financing and bill discounting. .
8. Helping foreign trade basically stabilize and make progress.Quickly respond to the needs of import and export enterprises to maintain orders, expand markets, and expand imports, strengthen the effective supply of credit to foreign trade enterprises, continue to increase credit support for small, medium and micro foreign trade entities, and improve high-quality financing service coverage and availability. sex and satisfaction.Continue to innovate new models of financial services such as China-Europe trains, market procurement trade, and cross-border e-commerce to help create a new highland for national openness and cooperation and a new frontier for opening up to the outside world.
9. Enhance trade resilience and security.The Bank enriched cross-border financial settlement products such as BOC Cross-border Remittance Express and BOC Shipping Online, vigorously promoted corporate online banking and corporate mobile banking services, and brought online channel functions to corporate customers directly.Make good use of foreign exchange and cross-border RMB trade and investment settlement facilitation policy dividends to help improve the level of trade facilitation.Focus on bilateral trade, open up both domestic and overseas markets, deepen cooperation at home and abroad, and provide comprehensive financial service support covering cross-border settlement, trade financing, cash management, domestic guarantee and overseas loan, etc.
10. Increase support for inclusive finance.Accelerate the digital inclusive transformation, adhere to the online and offline dual-wheel drive, innovate and launch a number of exclusive solutions, and continue to build a “professional, diversified and characteristic” inclusive financial service system.For small and micro enterprises and individual industrial and commercial households, a variety of credit, tax and mortgage "Hui Ruwan" series of online products have been launched.For high-quality scientific and technological innovation small and micro enterprises, "specialized and special new" enterprises, create characteristic service plans and provide exclusive preferential interest rates.In cooperation with the government, guarantee agencies, and insurance companies, we provide the "Liaoning Trade Loan" exclusive service plan covering various preferential policies such as insurance premium subsidies for exporting small and micro enterprises.
11. Assist in the comprehensive promotion of rural revitalization.Focusing on key areas of agriculture, the Bank continued to increase the credit supply for grain production and characteristic agriculture, and solidly provided financial services for the entire industry chain such as high-standard farmland construction, spring ploughing, grain production and processing, and circulation, purchase and storage.Focusing on agricultural science and technology fields such as modern breeding and agricultural machinery and equipment, focusing on the construction of advantageous and characteristic industries such as staple grains, miscellaneous grains, beef cattle, and live pigs, and actively providing "bank + guarantee", "bank + insurance", "bank + leading enterprise + farmers" and other models Inclusive financial loan services.Formulate "one county, one product, one policy" to provide differentiated financing service plans for agricultural business entities in different counties.
12. Support local governments to expand effective investment.Focusing on the 15 projects supported by Liaoning Province, we will increase investment in local government bonds.Actively connect with relevant departments to provide full-process services such as special bond project generation guidance, issuance consulting, fund supervision, account settlement, and supporting financing.Continue to improve the service level of BOC for the integration of fiscal non-tax electronization and treasury centralized payment, make every effort to build platforms for financial units at all levels, improve business processing efficiency, and actively provide financial services such as budget funds, subsidy funds, and transfer payment funds. , cooperate with the government to quickly settle funds, and promote the development of the real economy.
13. Fully support residents' reasonable housing needs.According to regulatory policies and market conditions, the interest rates of the first and second sets of personal housing loans will be lowered, and the lower limit of the down payment ratio of the second set of housing loans in Shenyang will be lowered.Accelerate the data sharing and docking with provident funds in various cities, realize the interconnection of provident fund online business inquiries, and provide comprehensive intelligent and convenient services for provident fund portfolio loan users.Realize online order acceptance of personal housing loans, make full use of online order acceptance, online assessment, online mortgage and other functions, improve order acceptance efficiency and customer service experience, and fully support residents' reasonable housing needs.
14. Promote the stable development of consumer loans for residents.Provide residents with a wealth of personal consumption credit products, and continuously optimize product policies and service models in line with consumer market demand to meet the differentiated consumption needs of different customers.Accelerate the promotion of online consumer loan services, meet customer consumption needs without leaving home, effectively respond to the impact of the epidemic, and promote sustainable, healthy and stable economic development.Give full play to the advantages of online national student loan services in the whole process, provide more efficient and rich financial services for poor college students, and effectively ensure that children from poor families receive higher education.
15. Continue to promote credit card installment loans.Seize the opportunity of the state's subsidy policy on the automobile market, and promote the construction of the ecological circle of key automobile and new energy automobile brands.Focusing on home improvement consumption scenarios such as home appliances, furniture, and building materials, we provide customers with a variety of home improvement installment service models.Build a customer group instalment consumption scenario to meet the multi-scenario consumption instalment needs of customers, and actively respond to the impact of the epidemic.Optimize credit card installment product policies and service models, improve customer satisfaction and service experience policies, and facilitate the construction of a consumer service system.
16. Work hard to protect people's livelihood.Actively pay attention to and coordinate the distribution of endowment insurance, unemployment insurance and hardship subsidies.Continue to increase convenience services in the medical insurance field, and promote the promotion of medical insurance electronic certificates and mobile payment applications.Actively participate in the construction of a centralized and volume-based procurement platform for medical insurance, and promote timely settlement of payments by embedding supply chains and inclusive financial products to promote a virtuous circle of the "three medical" industry chain.Help the housing construction management department to improve the quality and efficiency of transaction funds and the supervision of risk-related real estate projects, help colleges and universities, higher vocational colleges, and secondary vocational colleges in our province to improve the level of online teaching, and continuously improve the level of financial services for people's livelihood.
17. Improve corporate capital market financing and risk management and control capabilities.Give full play to professional advantages, cooperate with Bank of China Investment, Bank of China International, Bank of China Fund and other institutions, improve the investment and loan linkage mechanism, support key green and low-carbon enterprises to issue bonds for financing, and expand financing channels for enterprises in Liaoning Province.Make good use of both domestic and international markets and resources to help various foreign trade companies flexibly use forward foreign exchange settlement and sales, options, swaps and other products, effectively manage interest rate and exchange rate risks, and improve their ability to preserve the value of bulk commodities.
18. Improve the quality and efficiency of the whole process of credit approval.Special re-lending projects such as clean and efficient utilization of coal, technological innovation, and inclusive pensions, undertaking transportation and logistics projects for epidemic prevention and control, carbon emission reduction support tools, and new energy-related green finance projects are included in the green channel for approval.For credit projects in key areas and key customers, the Bank simplified credit conditions, optimized the loan review process, and improved the quality and efficiency of approval.
19. Actively transmit the policy of special re-lending tool.Make good use of special re-lending policy tools such as carbon emission reduction, efficient and clean utilization of coal, technological innovation, inclusive pension, transportation and logistics, and moderately reduce loan interest rates; increase loan policy support for eligible customers and projects, and give full play to them The precise drip irrigation and positive incentive effect of the re-lending policy.
20. Help market entities to relieve difficulties.Provide reasonable support to industries such as accommodation and catering, wholesale and retail, cultural tourism, transportation, and other industries and customer groups that encounter temporary difficulties, provided they meet the credit conditions.For micro, small and medium-sized enterprises and individual industrial and commercial households, relying on products such as "Bank of China Relay Tongbao" and "Renewable Rongtong", it can reduce the link of on-lending, reduce the cost of on-lending, and avoid the occurrence of loan withdrawal, loan pressure, and loan break.
21. Promote “cost reduction and efficiency increase” in financial services.By reducing loan interest rates, reducing or exempting corporate service charges, etc., multiple measures have been taken to improve the quality and efficiency of services, expand the coverage of preferential policies, reduce the burden on enterprises, and promote the development of market players.Strictly implement the requirements for fee reduction and exemption for small and micro enterprises and individual industrial and commercial households, and truly achieve "exemption and reduction as much as possible".
22. Effectively protect the rights and interests of financial consumers.Strengthen the "people-centered" development concept, continuously optimize the financial service process, expand the scope of financial services, and thoroughly implement the mission of serving the wider people.Listen carefully to the voice of customers, solve customer problems, and comprehensively improve customer service levels.Actively carry out online and offline financial knowledge education and publicity, develop new financial publicity models, and use new media methods such as the Internet, mobile apps, and VR to expand the influence of publicity and education.Focus on the key groups of "one old and one young", improve consumers' risk identification ability, and enhance consumers' sense of happiness and security.
