At present, the balance of private enterprise credit loans has reached 9.8 trillion yuan. In the first half of this year, the banking industry deferred interest payments on loans for10.5 million small and medium-sized enterprises and individual industrial and commercial households, amounting to more than 3 trillion yuan. The annualized interest rate of private enterprise loans is 4.74%, which solves the problem of financing difficulty and high cost of private enterprises.
20 16 loan balance of small and micro enterprises of Liuzhou Bank
20.84 trillion yuan.
At the end of 20 16 and 12, the balance of RMB loans of small and micro enterprises was 20.84 trillion yuan, up by 16% year-on-year, and the growth rate was 0.7 percentage points higher than that of the end of last month, which was 7.2 and 9. 1 percentage points higher than that of large and medium-sized enterprises in the same period respectively. At the end of 20 16 and 12, the loan balance of small and micro enterprises accounted for 32. 1% of the enterprise loan balance, which was 1.6 percentage points higher than the same period of last year.
In 20001year, loans to small and micro enterprises increased by 3 trillion yuan, an increase of 7810.50 billion yuan year-on-year, accounting for 49. 1% of the increase in corporate loans in the same period, an increase of 1.2 percentage points over the same period of last year.
What are the main characteristics of Bank of China and Bank of Fu Deng?
Bank of China Fu Deng Village Bank is a village bank jointly operated by Bank of China and Fu Deng Group, focusing on second-and third-tier cities.
Fu Deng Investment Credit Guarantee Co., Ltd. is a wholly-owned company of Fu Deng Financial Holdings Limited (Fu Deng Financial Holdings), a subsidiary of Singapore Temasek Holdings. It was registered on June 5438+February, 2007 with a registered capital of 90 million US dollars.
It is one of the credit guarantee companies for foreign-funded small and medium-sized enterprises with the strongest capital, the largest scale and the most advanced professional technology in China. It is also the first physical platform operated in China after Fudeng Financial Holdings invested in China Bank and China Construction Bank, and is committed to providing high-quality and professional guarantee financing services for small and medium-sized enterprises.
Extended data:
On the basis of drawing lessons from international advanced experience, BOC Fu Deng made bold innovations according to local conditions, and formed a unique investment management model for rural banks, including six innovations:
1, "batch", "scale", "standardization" and "intensification" layout planning will make up for the weak links of county financial services and help the rapid growth of county economy.
2. Innovative credit mechanism and localized financial products are suitable for rural market.
3. Grasp the difficulties of rural financial management and establish a reasonable and effective cost and risk control mechanism.
4. Make a brand-new talent training and development plan to meet the needs of large-scale network expansion.
5. With the support of world-class technical service system, modern rural finance can be realized.
6. Conscientiously practice corporate social responsibility and strive to create a harmonious community environment.
After years of development, BOC Fu Deng has accumulated rich experience in the management and operation of rural banks and achieved good results, laying a good foundation in corporate governance, business model and IT system construction.
Bank of China Fu Deng Rural Bank has established a big data platform for county finance, and conducted quantitative and qualitative research on the market characteristics, industry characteristics and enterprise characteristics of county finance from the perspective of scenario planning and anti-fraud, so as to provide support for rural banks in customer marketing, risk management, internal control and compliance.
At the end of 20 16, the balance of deposits under the jurisdiction of Bank of China Fu Deng Rural Bank was 20.22 billion yuan, the balance of loans under its jurisdiction was18510.00 million yuan, and the non-performing rate under its jurisdiction was 1.7%, which remained at a reasonable level, with a loan-to-loan ratio of 3.55% and a provision coverage ratio of 209%.
At the end of June, 2065438+2008, the balance of deposits of BOC Fu Deng Village Bank under its jurisdiction exceeded 30 billion yuan, and the balance of loans under its jurisdiction exceeded 30 billion yuan. * * * Serving more than 6,543,800+6,000 customers and providing loan services to 6,543,800+3,000 customers, with an average loan of about 220,000 yuan.
Among them, agriculture-related and micro-loans account for 90.29% of all loans, and farmers' loans account for 4 1.56% of all loans. The non-performing loan ratio of self-established village banks is 65,438+0.72%, the proportion of concerned loans is 0.84%, the loan-to-allocation ratio is 4.30%, and the provision coverage ratio is 249.365,438+0%.