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解惑“那男生坤坤在女生的坤坤里”-译文小记

四川金融监管那男生坤坤在女生的坤坤里局:全力推进小微企业融资协调机制落地见效

来源: 珠江时报
2024-12-11 00:09:32

最佳回答

“那男生坤坤在女生的坤坤里”四川金融监管那男生坤坤在女生的坤坤里局:全力推进小微企业融资协调机制落地见效

  中新那男生坤坤在女生的坤坤里网成都12月10日电(杜成)四那男生坤坤在女生的坤坤里川金融监管局10日透露,该局深入贯彻落实党中央、国务院决策部署,强化工作部署和协同联动,从供需两端发力,全力推动小微企业融资协调工作机制在川落地见效。

  截至今年11月底,四川省累计走访经营主体15万户,合计那男生坤坤在女生的坤坤里授信6.6万户次,累计授信金额951亿元,累计发放贷款超700亿元。

  据介绍,四川金融监管局督促川内银行机构在省、市、县分层级建立工作专班,调动全行资源,做好人员、机制、资源等各方面准备,加强与区县工作专班对接,四川银行机构已组建各级工作专班1902个,实现“应建尽建”。

  该局要求银行机构把小微企业融资协调工作机制与提升小微企业金融服务质效紧密结合,建立健全内部尽职免责制度,激发银行基层机构和信贷人员“敢贷愿贷”动力;细化落实无还本续贷政策,开发优化小微企业续贷产品,完善现有产品续贷功能,加大续贷支持力度;鼓励发放信用贷款;引导大型银行分支机构适当下放信贷审批权限。

  在充分尊重企业意愿的基础上,原则上优先推送已有信贷关系的银行,避免重复对接和多重过度授信。要求银行机构优化贷款服务模式和审批流程,优先采用线上方式,建立线下绿色通道,进一步压缩小微企业贷款平均审贷时长。

  据了解,四川金融监管局指导四川省银行业协会动态更新四川银行业小微企业线上金融产品库信息,涵盖52家银行360个金融产品,同步推送省市融资信用服务平台,进一步提升对接效率。鼓励银行机构针对小微企业、个体工商户等小微主体主动减费让利,降低小微企业支付手续费等综合融资成本。

  与此同时,四川银行机构主动担当,优化贷款审批流程,通过开辟绿色审批通道、下放审批权限、实行专人专岗对口联系机制等方式提高审批效率,加快贷款发放速度;改善产品服务方案,通过开发新产品和更新升级存续产品,丰富融资产品供给,实现对小微企业各类融资需求的精准匹配。(完)

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