The time is fixed on May 2, 2008 14: 28. A devastating earthquake occurred in Wenchuan, Sichuan. The earthquake extends along Wenchuan, Beichuan and Qingchuan first-line seismic belts. The Chengdu earthquake, which is less than 100 km from the epicenter of Wenchuan, was very strong, and the strong vibration lasted for 3 minutes. However, it is this short 3 minutes that has torn many mountains and rivers and separated countless flesh and blood; In this short period of 3 minutes, the employees of Chengdu Bank who stick to their posts have shown that they are fearless in times of crisis, calmly respond and fully protect the property safety of the country and people!
After the earthquake, Lu Siyu, teller of Dujiangyan Branch of Chengdu Bank, insisted on quickly locking cash, official seals and other items before withdrawing from the business hall. The house collapsed as soon as it was evacuated.
Zhang Bingjie, deputy governor in charge of Pengzhou Sub-branch, ignored the threat of aftershocks and led the staff of the sub-branch to return to the sub-branch to ensure the safety of bank property.
Regardless of personal safety, all security personnel of the Security Department kept their posts for 24 hours during the earthquake and never left the headquarters building, thus safeguarding the property safety of the headquarters building. During the earthquake, employees of the Information Technology Department were on duty 24 hours a day in the central computer room located on the 8th floor of the headquarters to ensure the smooth operation of financial instruments of the whole bank.
There are many touching moments. This 3-minute life-and-death contest vividly shows the preparation of Chengdu bankers in the face of disaster.
Immediately after the earthquake, Chengdu Bank launched an emergency plan, and set up an emergency leading group with Mao Zhigang, Party Secretary and Chairman, as the team leader, President and Chairman Yang as the deputy team leaders, and leaders of other banks as members, and set up a temporary emergency command center on the second floor of the head office building. At the same time, the bank's leadership team took the lead in implementing the 24-hour duty system, which played a good organizational guarantee role for the smooth development of the entire earthquake relief work, especially for the full resumption of normal business in a short time.
They are well aware that as local financial institutions, quickly resuming normal business and providing timely financial services are the greatest support for earthquake relief in disaster areas. The needs of the people in the disaster area are orders!
To this end, Chengdu Bank tried its best to resume normal business in the shortest time. In addition to starting quality inspection of buildings, emergency reinforcement and maintenance of damaged outlets, and testing self-service banking equipment, computer lines and equipment should also be urgently repaired to ensure the safe operation of production systems.
Driving the bank into the disaster area not only brought convenience to the affected people, provided financial services, but also gave them great comfort.
While driving mobile banks into the disaster area, Chengdu Bank has conscientiously implemented the documents and meeting spirit of the People's Bank of China, the Banking Regulatory Bureau and other relevant documents on earthquake relief, resolutely implemented the "four noes" policy, provided urgently needed financial and credit services to the government, enterprises and residents in a timely manner, and provided the most relaxed environment and timely services for enterprises and people in the disaster area in terms of policies.
An enterprise that has been granted a credit line may exceed the original credit line as a single loan for examination and approval, and it will be counted when the credit line is renewed; Establish a "green channel for credit approval" and give priority to credit business related to earthquake relief and post-disaster reconstruction. Incorporate all the related capital requirements such as enterprise post-disaster recovery productive loans, infrastructure construction in disaster areas, resettlement housing construction in disaster areas, and financial disaster relief funds into the green channel, simplify links and improve efficiency;
For enterprises that fail to repay all kinds of loans on time in the hardest hit areas, they will temporarily refuse to collect, default or make bad records without affecting the legal limitation, which will not affect their continued access to other disaster relief credit support in the disaster areas; In the case of normal operation, good credit and solvency decline only due to disasters, in principle, the credit rating will not be lowered temporarily and the extension conditions will be extended;
On the basis of objective analysis, we can help enterprises to tide over the difficulties and resolve credit risks by adjusting the repayment period and repayment method. For projects and customers that are seriously damaged and the security of credit assets is seriously threatened, we will study countermeasures door by door, and reduce risks through measures such as debt restructuring and strengthening guarantees.
In these policies, banks put the interests and convenience of enterprises and people in disaster areas before their own interests, showing their deep sense of social responsibility. Chengdu Bank has developed in Chengdu for many years and has always been regarded as "Chengdu people's own bank" by ordinary people. After the earthquake, people felt that Chengdu Bank was owned not only by Chengdu people, but also by Sichuanese and China people.
In the face of this sudden earthquake disaster, the cadres and employees of Chengdu Bank showed unprecedented unity and fearlessness. Some employees actively help trapped colleagues regardless of their own safety, some employees are not afraid of hardships and dangers, stick to their posts, and fully safeguard the interests of banks. Some employees lend a selfless helping hand and express their love for the people in the disaster areas by donating blood, money and materials.
Domestic and foreign investment institutions-Malaysian Hong Leong Bank and China Bohai Industrial Fund donated US$ 654.38+million and RMB 654.38+million respectively to the disaster area. Individual donations from employees of the whole bank10.3 million yuan, and per capita donations from 500 yuan and party member10.6 million yuan. In addition, donated 600,000 yuan to Mianyang City Commercial Bank to help it recover and rebuild; Donate 205 sets of daily necessities such as desks and chairs, stationery and electric blankets to the nine-year compulsory primary school in Jiguanshan Township, chongzhou city; More than 300 eucalyptus seedlings were planted for the resettlement site of the disaster-stricken board houses in Tongji Town, Pengzhou City, adding green to the new homes of the people in the disaster areas.
Outstanding performance in earthquake relief has won many collective and individual awards for Chengdu Bank. Chengdu Bank has been selected as "Chengdu Advanced Collective for Earthquake Relief" for many times, and many employees have been awarded honorary titles such as party member, Chengdu Excellent Producer for Earthquake Relief and Chengdu Advanced Individual.
At the critical moment when the enterprise itself is also affected, the sense of social responsibility of the enterprise is even more precious.
The time for earthquake relief is not long. In the face of earthquake-damaged homes, post-disaster reconstruction will be a long-term and arduous task. As a local financial institution, Chengdu Bank fully highlights the important role of credit and supports post-disaster reconstruction.
In terms of supporting enterprises to resume production after the disaster, Chengdu Bank takes small and medium-sized enterprises, private enterprises and "agriculture, rural areas and farmers" as the focus of credit support, strengthens communication and cooperation with governments at all levels and relevant departments, and conducts in-depth enterprise surveys with active service awareness to understand customers' disaster situation, losses and capital needs for post-disaster reconstruction. On the premise of complying with relevant policies and controlling risks, we will give priority to supporting the reconstruction fund needs of affected enterprises, effectively improve work efficiency through "green channels" and help enterprises resume production as soon as possible. After the disaster, Chengdu Bank successively supported a number of key enterprises such as Anhui Cuisine, Transportation Oil, Fengfeng Duck Industry, Federal Pharmaceutical, Hexin Pharmaceutical, etc. By the end of April 2009, the balance of post-disaster reconstruction loans of Chengdu Bank reached 2152 million yuan, of which the balance of downward interest rate loans was 1.28 1 00 million yuan, accounting for 50% of post-disaster reconstruction loans. The balance of benchmark interest rate loans was 663 million yuan, accounting for 30.5438+0% of post-disaster reconstruction loans.
At the same time, as a local financial institution, Chengdu Bank actively participated in the post-disaster reconstruction work with a high sense of social responsibility and provided credit support for housing reconstruction work through various channels.
On the one hand, Chengdu Bank actively distributed bridge loan financial subsidy funds, and distributed 2 billion yuan to Pengzhou, Dujiangyan, Dayi, Chongzhou, Qionglai and Jintang for farmers' housing reconstruction in the hardest hit areas, and the funds have been distributed to 65.438+0.23 billion yuan.
On the other hand, the Bank of Chengdu provided direct credit support to the affected farmers in Chengdu. In order to support the local reconstruction of farmers in disaster areas and help them solve the problems of damaged houses, shortage of farm houses and self-built funds as soon as possible, the bank launched a personal business loan business for farmers to rebuild their houses after the disaster, which will provide a total loan of 6 million yuan to 44 farmers in Lingyan Village, Group 9, Guankou Town, Dujiangyan City. In addition, Chengdu Bank has set up collective land and housing mortgage loans and operating loans for post-disaster reconstruction of farmers' tourist villages in Shuangliu and Qionglai sub-branches. By the end of April, 2009, 6 mortgage loans for collective land and houses with an amount of 365,438+600,000 yuan have been issued, and 8 business loans for post-disaster reconstruction of farmers' tourist villages with an amount of 65,438+600,000 yuan have been issued.
Chengdu Bank has also provided a number of preferential policies for personal loans in disaster areas. For customers who have difficulties in repayment due to the earthquake, the loan will be extended according to the actual situation; For the loan default caused by the disaster, the default record will not be submitted to the basic database of personal credit information of the People's Bank of China for the time being. For urban residents who rebuild their houses in disaster areas and repair and reinforce them by themselves, the loan interest rate is 0.7 times the benchmark interest rate of RMB loans announced by the People's Bank of China.
Today, the pace of Chengdu Bank's support for post-disaster reconstruction is still accelerating: in February, Chengdu Bank invested 60 million yuan in Shuangliu County Modern Service Industry Social Affairs Development Investment Co., Ltd. to help the affected schools in the county resume normal teaching as soon as possible. In that month, personal construction machinery loans of 200 million yuan were added to support the construction work in disaster areas. 1. Diversification of uses: covering a variety of consumer purposes to meet your various loan needs.
2. Various guarantees: including mortgage, pledge, guarantee, combination, etc. , for your flexible choice.
3. Longer term: up to 5 years, fully alleviating your short-term repayment pressure.
4. Convenience and saving money: You can choose one-time credit, recycling, borrowing and returning, which is convenient and saves money. 1. Has legal and valid identification and full capacity for civil conduct;
2. Good credit record and the ability to repay the loan principal and interest on schedule;
3. Having the household registration or other valid proof of residence where the handling bank is located, and having a fixed residence in the local area;
4. Be able to provide consumer use certificate approved by the bank;
5. Other conditions stipulated by the handling bank. 1. Original identity documents, household registration book and marriage certificate of the applicant and spouse;
2. Proof of income of the applicant and spouse;
3. Local residence certificate;
4. Proof materials for consumption purposes;
5. Guarantee certification materials;
6. Other information required by the bank.