Qinglong Rural Bank Loan Delay

Huantai Qinglong Rural Bank works together to fight the epidemic

Financial services have power

The epidemic is an order, and prevention and control is a responsibility. During the fight against the novel coronavirus pneumonia epidemic, Huantai Qinglong Rural Bank conscientiously implemented the decisions and arrangements of the local government, the People's Bank of China, regulatory authorities and sponsoring banks, took epidemic prevention and control as a major political task, resolutely shouldered political responsibilities and fulfilled its mission Take responsibility and contribute to comprehensively winning the battle against epidemic prevention and control. 1. Strengthen leadership, strengthen deployment, and fulfill social responsibilities. A leading group for epidemic prevention and control of Huantai Qinglong Rural Bank, headed by Comrade Wang Youxue, Party branch secretary of Huantai Qinglong Rural Bank, was established, and all cadres and employees of the bank were required to improve their political stance. , strengthen the awareness of responsibility for epidemic prevention and control, and strictly implement various work requirements of party committees and governments at all levels, the People's Bank of China, regulatory authorities and sponsoring banks. Party members and comrades must set an example, practice their original intentions, and strive to be a pioneer. All heads of each unit are in place and command from the front. All employees work closely and do a good job in epidemic prevention and control, on-duty duty, and financial services without compromise. 2. Responding to the urgent needs of customers, implementing a phased deferred principal and interest policy. In response to the current situation of the epidemic, Huantai Qinglong Rural Bank has implemented a phased deferred repayment policy for existing customers who have difficulties in repaying principal and interest due before the end of March 2022. Principal and interest payment policy: Inclusive small and micro enterprises and other existing loan customers who have difficulties in repaying interest due to the epidemic can apply to Huantai Qinglong Rural Bank for a phased extension of principal and interest payment, and Huantai Qinglong Rural Bank will review it. Once approved, it will be processed in a timely manner, and the loan extension period will be one month. During this period, no penalty interest will be charged and the credit report will not be affected. During the 2022 epidemic, Huantai Qinglong Rural Bank handled 101 deferred principal and interest payments worth 22.3733 million yuan. 3. Opening a green channel during the epidemic to solve financing problems 1. Huantai Qinglong Rural Bank’s corporate working capital loans, home loans and other credit policies ensure high-quality meeting the financing needs of various enterprises, and provide services to those who are greatly affected by the epidemic Wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries with good development prospects but temporarily troubled, especially small and micro enterprises, individual industrial and commercial households and small and micro business owners, should not blindly withdraw, cut off or suppress loans. At the same time, we will increase credit support for industries related to epidemic prevention and control and key areas of social and people's livelihood, increase credit support for production companies related to epidemic prevention work such as masks, protective clothing, and disinfectants, and provide them with interest rate concessions. .

2. Implement a data tolerance and acceptance mechanism. For credit text materials, in accordance with the principle of "substance over form" and on the premise of being true and compliant, they will be accepted in advance and processed without any gaps, and will be completed after the epidemic is over. 3. Open a green channel to improve loan approval efficiency. In line with the principle of "handling special matters and handling urgent matters urgently", the loan review meeting will be held from time to time according to work needs to ensure that the loan approval is completed as soon as possible. 4. Use online methods to ensure service safety. All outlets of Huantai Qinglong Rural Bank guide and assist customers through WeChat public accounts, official websites, WeChat Moments, etc., and make more use of online appointments, online banking, mobile banking, etc. Handle related business through non-contact service channels to reduce the concentration of customers at outlets.

In the next step, Huantai Qinglong Rural Bank will be based in the county, go all out to prevent and control the epidemic, adhere to the market positioning of "supporting farmers, supporting small businesses, and branches" and practice "based on three aspects" With the working purpose of "agriculture and serving small and micro enterprises", we strive to provide customers with high-quality, convenient and efficient services, and truly work together to fight the epidemic and provide powerful financial services.