To increase the intensity of mortgage loans, we must first improve the policy environment. The government can introduce policies to support mortgage, such as relaxing loan conditions, lowering loan interest rates and relaxing mortgage interest rates. Secondly, banks can strengthen risk management, establish a sound risk assessment system, and conduct a comprehensive review of loan customers to ensure the safety of loans. In addition, banks can provide more loan products to meet the needs of different customers, thus increasing the intensity of mortgage loans.
Bank loans in 2022
Stay overweight.
Faced with the pressure of insufficient demand for effective economic credit, the package of steady growth policies continued to increase in 2022, and large financial institutions and policy support areas continued to exert their strength, effectively supporting economic stabilization and steady credit expansion.
Bank loan refers to an economic behavior that banks lend funds to people in need of funds at a certain interest rate according to national policies and return them within the agreed time limit.
What are the effective measures for banks to increase credit supply, sprint credit supply in the fourth quarter and speed up credit supply?
First of all, according to the characteristics of farmers' payment, the interest rate is a "dual track system". That is, the loan farmers who use Fumin card will implement the interest rate of 8.3‰ for a period of three years. Once approved, they will repay the loan; The insured farmers who use the joint guarantee loan implement the annual interest rate of 7.5‰, which effectively reduces the loan cost of farmers. This paper mainly introduces the mortgage loan of rural contracted land management right after the land is confirmed. Customers who have confirmed their rights can apply for mortgage loans for management rights and implement preferential interest rates. Special young and middle-aged customers can use Fumin card, and the period can be extended to 5 years.
The second is to promote mechanism innovation and improve the ability to serve the real economy. Adjust the regulatory requirements for loan loss reserve, encourage banks to make use of the favorable conditions of adequate provision, intensify the write-off of non-performing loans, promote the debt-to-equity swap supported by targeted cuts to required reserve ratios as soon as possible, revitalize existing assets and improve efficiency. Supervise banks to appropriately increase the proportion of retained profits and consolidate core capital, actively support banking institutions, especially small and medium-sized institutions, to replenish capital through multiple channels, open channels for commercial banks to replenish tier-one capital, and enhance their credit supply capacity.
Furthermore, innovative marketing channels can effectively improve the quality and efficiency of precision marketing of Tuoke. Solidly carry out the docking of "four lists", lay a solid foundation for work and carry out list marketing. Relying on products such as "Rural Revitalization Loan", "Entrepreneurship Guarantee Loan" and "Lu Dan Huinong Loan", we will increase the support for high-quality customer loans and improve the delivery effect. Carry out regional marketing. The district has solidly promoted the credit work of the whole village and continuously extended its marketing tentacles.
Then optimize the relationship between credit structure and credit risk prevention and control, and risk prevention and control will be implemented simultaneously with business development. In terms of risk prevention and control, Jiangxi Rural Commercial Bank strengthens the bottom line thinking, adheres to compliance first, fully implements the requirements of reducing fees and profits, benefiting enterprises and benefiting the people, fully embraces the digital wave, and improves financial services in accordance with the requirements of online empowerment, offline drainage and two-line combination. Improve the incentive mechanism and enhance the willingness to serve the real economy.
The introduction of effective loan delivery ends here.