Xiamen Xingye Green Channel helps octogenarians donate their hometown with love.
Industrial Bank provided 20 million credit funds to let dad and baby switch to masks.
China Taibao volunteer team provides services such as traffic diversion and emergency rescue.
China Taibao volunteer team provides services such as traffic diversion and emergency rescue.
Postal savings bank should do a good job in the financial services of outlets during the epidemic prevention and control period.
Editor's note:
A peacetime war, a campaign of national mobilization. The epidemic in novel coronavirus has touched people's hearts, and it has become the common sense of the whole people to fight it with all one's strength. The financial industry responded positively and went all out. Donor agencies continue to climb and morale continues to rise. In addition to donating money and materials, major financial institutions have also upgraded and refined relevant financial services in combination with their own advantages, contributing to the prevention and control of the epidemic and helping their endurance. Concentrated action, an iron fist of unity and determination to overcome difficulties will eventually win the battle against the epidemic.
Epidemic is an order, and prevention and control is a responsibility. Recently, the People's Bank of China, the Ministry of Finance, the China Banking Regulatory Commission, the China Securities Regulatory Commission and the Foreign Exchange Bureau jointly issued the Notice on Further Strengthening Financial Support for the Prevention and Control of novel coronavirus, indicating that it is necessary to earnestly implement the spirit and work arrangements of the Central Committee's Notice on Winning the Prevention and Control of Epidemic Situation and increase financial support for the prevention and control of epidemic situation.
Since the outbreak of the epidemic, financial institutions have responded quickly to the "epidemic". As the vanguard of the financial industry, the banking industry is taking active actions, opening a financial green channel, generating loans of more than 1000 billion yuan, helping small and micro enterprises to develop, and constantly helping to fight the epidemic with stronger financial services. The insurance industry has also given full play to its professional advantages, provided more than one trillion insurance coverage for "retrograde people", actively expanded its insurance liability, and completed a number of new cases of coronary pneumonia claims; The trust industry explores the establishment of special charitable funds, and takes advantage of its own resources and shareholders to participate in the fight against the epidemic in various ways.
Banks open financial green channels
As the vanguard of the financial industry, the banking industry has launched various actions to fight the epidemic in an orderly manner.
Not only Chinese banks took active actions, but also foreign banks in China and Taiwan-funded banks in Chinese mainland responded positively. In addition to donating money and materials, more than 10 foreign banks and Taiwan-funded banks have also introduced a number of measures to provide quality financial services for epidemic prevention and control.
For example, HSBC takes advantage of the global network to allocate and purchase anti-epidemic materials from home and abroad to improve the quality of material procurement; Standard Chartered Bank gives full play to its network advantages and business expertise, and closely coordinates multiple teams of Standard Chartered Singapore and South Korea to help China enterprises urgently purchase materials needed for fighting the epidemic overseas.
Bank of East Asia, Hang Seng Bank and Fubon Huayi Bank have adopted a number of preferential policies for epidemic prevention and control, such as exempting epidemic-related donations and medical purchase remittances, customer transfer and financial management fees in Hubei, adjusting the system payment ceiling, opening up green approval channels, and providing comprehensive credit to epidemic prevention and control enterprises. JPMorgan Chase provides financial support for purchasing anti-epidemic materials and supporting medical staff and patients' families.
Secondly, in addition to rescue funds, banking financial institutions also actively increase credit support by adopting emergency loans and special loans to fully protect the financing needs of epidemic prevention enterprises.
According to the data of the association, as of February 4, the loans granted by the banking industry to epidemic prevention and related enterprises have exceeded 654.38+060 billion yuan. At the same time, the loan interest rates of many banks in Hubei Province for inclusive small and micro enterprises have been lowered by 0.35 to 0.5 percentage points on the basis of the existing interest rates.
Among them, the National Development Bank's credit support for fighting the epidemic was 24.9 billion yuan; China Agricultural Development Bank and The Export-Import Bank of China's credit support for fighting the epidemic totaled 654.38+00067 billion yuan; Six large state-owned commercial banks established diplomatic relations with workers and peasants, providing credit support totaling 34.862 billion yuan to fight the epidemic; China Merchants Bank, China Everbright Bank, Xingye and other 12 joint-stock banks have provided a total of 56.437 billion yuan in credit support for fighting the epidemic; 34 city commercial banks and private banks provide special credit for epidemic prevention and control1765438+98 million yuan; The National Rural Credit Cooperatives provided 654.38+07.306 billion yuan of credit support for related enterprises.
For example, Wuhan Rural Commercial Bank issued "Twelve Measures to Do a Good Job in Epidemic Prevention and Control and Strengthen Financial Services", and arranged a special credit line of 3 billion yuan for granting medical equipment and epidemic prevention and control loans.
Thirdly, in order to ensure the efficient and timely transfer of funds in a special period, many banks have also established "green channels" for financial services such as credit granting and remittance for related enterprises, and allocated special personnel and specialized offices to ensure that relevant funds can reach the epidemic areas in the first time.
For example, since the outbreak of the epidemic, CCB has opened a green channel for credit approval for a number of related enterprises. With the coordination of various departments, Shanghai Pudong Branch of CCB quickly completed the examination and approval of 25 million yuan of working capital loans for customers of agricultural and sideline products and other related enterprises through special affairs and emergency offices, thus ensuring the supply of "vegetable basket" products for the people; At the same time, it took only two days to complete the issuance of 654.38 billion yuan of working capital loans, which met the needs of UIH to expand production. At the first time, two CT equipment of the enterprise were sent to Wuhan Huoshenshan Hospital.
By developing a green channel for cross-border financial services, Industrial Bank purchased masks, imported disinfection equipment, disinfection towels and other protective articles for many enterprises in Beijing, Shanghai, Hainan, Anhui, Heilongjiang and other provinces and cities, provided extremely convenient financial services, and made medical protective articles in place as soon as possible.
According to incomplete statistics, during the Spring Festival, the bank has handled cross-border medical supplies import payment business for more than ten enterprises, with a total amount equivalent to RMB120,000 yuan.
Finally, considering that the epidemic has had a great impact on the economy in a short period of time and brought severe challenges to small and medium-sized enterprises with weak risk coping ability, Qi Xin, a banking financial institution, has made concerted efforts to respond to the government's call and actively help the development of small and micro enterprises affected by the epidemic through differentiated financial services, including:
The first is to optimize the loan exhibition model. In view of the wholesale and retail, accommodation and catering, logistics and transportation, cultural tourism and other industries that are greatly affected by the epidemic, as well as enterprises that have development prospects but are temporarily trapped, many banks have indicated that they will not lend, cut off loans, and pressure loans, and actively give full support through extension, non-repayment, credit restructuring, and reduction of overdue interest. For example, Shanghai Pudong Development Bank has designed an exclusive business plan of "renewing loans without repaying the principal" for Wuhan customers, and enterprises can complete the renewal of loans without returning the loan principal. After the loan is extended, the loan period is extended for one year, and the most favorable interest rate is given to the borrowing enterprise.
The second is to reduce the interest rate of corporate loans. In order to reduce the impact of the COVID-19 epidemic on small and micro enterprises in Hubei Province and enhance their vitality, many banks, such as Agricultural Bank, China Construction Bank, Bank of Communications and Bohai Bank, said that the operating loans for small and micro enterprises, individual industrial and commercial households and private entrepreneurs in Hubei Province would be reduced by 0.5 percentage point on the basis of the existing interest rate to reduce the financing costs of small and micro enterprises. Zhejiang E-commerce Bank stopped lending or renewed lending to10.5 million Hubei stores and 300,000 pharmacies that are fighting the epidemic, and lowered the interest rate by 10%.
Insurance companies have completed many new claims for coronary pneumonia.
After the outbreak, various insurance institutions acted quickly, donating a lot of money and materials to key areas, and donating insurance to medical staff to help fight the epidemic quickly.
On February 4th, the first batch of medical materials donated by Taikang arrived in Thunder God Mountain hospital ahead of schedule, including 6,543,800 pieces of isolation gown and 20,000 pieces of other medical materials, with a total cost of 4 million yuan, which will be delivered in batches. As of February 5th, Taikang Insurance * * * donated 30 million yuan, 6.5438+million yuan and special insurance for medical staff in Wuhan, and donated 200,000 copies of life insurance for the first batch of nearly 700 journalists who fought in the front line of epidemic prevention and control.
On February 4th, Huaxia Insurance's "Liuliguang Epidemic Prevention Insurance Donation Plan" was officially launched, providing 20 million customers and 500,000 front-end and back-end business partners with a guarantee amount of 200,000 yuan per person free of charge, with a cumulative guarantee amount of 4 trillion yuan and an insurance period of 90 days.
As of February 5th, China Dida Insurance has donated exclusive insurance for traffic police in Hubei, Shanghai and other places and journalists fighting in the front line of anti-epidemic, with a total insurance coverage of nearly 5 billion yuan. Recently, China Dida Insurance donated exclusive insurance protection to the Traffic Police Corps of Shanghai Public Security Bureau 1200 traffic policemen. The traffic police who died of novel coronavirus's infection paid 500,000 yuan each and 654.38+10,000 yuan each for accidental injury, with a total insured amount of 720 million yuan.
Second, actively expand insurance liability. In addition to donations, materials and insurance, insurance companies have also actively responded to the call of the China Banking Regulatory Commission, and the good news of expanding insurance liability has been coming.
On February 3rd, the Life Insurance Department of China Banking Regulatory Commission issued a notice, requiring all life insurance companies to optimize the existing product claims standards and appropriately expand their insurance liabilities.
Nearly 40 insurance companies, including China Ping An Life Insurance Company of China, Xinhua Life Insurance, Sunshine Life Insurance, Zhujiang Life Insurance, Kunlun Health Insurance, Kangjun Life Insurance and Changan Liability. According to the needs of the epidemic, news of the expansion of insurance liability has been released.
On February 4th, China Ping An Life Insurance Company of China Insurance Company announced that it would provide free places for100000 "E Road Ping An Insurance Plan". The insurance plan expands the liability of "Ping An Le Traffic Accident Insurance", and expands the liability for compensation to novel coronavirus on the basis of the original product liability. According to the extended liability of insurance, if the insured dies or is disabled due to novel coronavirus, the maximum compensation can be 654.38 million yuan. The insurance plan covers people aged 0-65, and the insurance period is 90 days.
On February 5th, Xinhua Life announced that IKEA Baohe Anxin Insurance products plan to extend the insurance liability to death and disability caused by novel coronavirus on the basis of the original insurance liability. In addition, Sunshine Life completed the first deferred claim for critical illness insurance on February 4th.
China Life said that as of February 1 day, the company had found 126 customers suspected or diagnosed as novel coronavirus, involving 13 provinces. And has completed the claims of 8 sick customers and frontline epidemic prevention personnel, including 5 in Hubei, Zhejiang, Guangdong and Inner Mongolia 1. Hubei Branch paid more than 860,000 yuan to three customers, and the fastest payment case took only 2 hours from contacting customers to receiving insurance money.
Taiping Life Insurance, a subsidiary of China Taiping, has also quickly completed medical insurance claims for 4 cases of pneumonia in novel coronavirus, with a total compensation of126,500 yuan. At present, 132 people have received the "medical worry-free" insurance given by China Taiping to medical staff in Wuhan, and two medical staff in a hospital in central hospital of wuhan and Wuhan have settled claims quickly, each with a price of 50,000 yuan, which has sent a ray of insurance care to the frontline medical staff fighting the epidemic.
By the evening of February 3rd, China Ping An's insurance company had completed 13 cases of novel coronavirus claims, with the total amount of compensation exceeding 740,000 yuan, all of which were completed online, avoiding people going out to communicate.
As of February 1 day, China Pacific Insurance * * received a report from 42 life insurance customers of 15 branches, and completed the first single death insurance on that day, which only took 15 minutes. At the same time, China Taibao Property & Casualty Insurance Hubei Branch quickly launched a green claim channel for Chinese herbal medicine enterprises suffering from drought losses, and reached a claim agreement of 5.98 million yuan in just two days, and paid 5 million yuan in advance on June 5438+1October 2 1 day.
Set up a special charitable trust fund
* * * War is raging, and the trust industry is in action.
After the establishment of 65438+ (the second day of New Year's Day) on June 26th, in just two days, the funds raised by the first two phases of the special charitable trust have reached 2,265,438+10,000 yuan. On October 28th, 65438/kloc-0, the third fundraising of this charitable trust was completed. In this issue, 18 trust companies participated, with a total fundraising amount of 8.7 million yuan.
So far, a total of 6 1 trust companies have participated in the establishment of special charitable trusts. Subsequently, these 6 1 trust companies took * * as the principal of the special charitable trust, and under the guidance and organization of china trustee association, they participated in the whole process management of the charitable trust through the establishment of the trustee management committee.
It is worth mentioning that Guo Tong Trust, headquartered in Wuhan, Hubei Province, donated 1 10,000 yuan as the trustee of the above charitable trust.
The relevant person in charge of Guo Tong Trust said that the company immediately decided to invest and initiate the establishment of a charity trust after learning that there was a gap in epidemic prevention materials. With the support of trust industry association and trust industry, the company initiated the establishment of a special charity trust as a trustee to support the help and relief work of preventing and controlling pneumonia in novel coronavirus.
"As a financial institution headquartered in Wuhan, the company has a large number of employees in Wuhan and surrounding counties and cities, and has a very deep affection for Hubei and Wu Hanyou. We must take the lead in fighting the epidemic. " The relevant person in charge of Guo Tong Trust said.
China trustee association pointed out that the purpose of the special charitable trust is mainly to prevent and control the novel coronavirus epidemic and rescue the damage caused by it. The use direction of the trust property includes donating to charitable organizations, medical systems and other institutions related to epidemic prevention and control that can legally accept donations, providing epidemic prevention protection for medical personnel, volunteers and the public, and paying compensation for families who died of the epidemic. After the outbreak, it will be used for medical research, emergency assistance and other public health undertakings. Charitable trusts are open and can accept additional charitable funds.
At present, the first batch of rescue project funds have been put into operation. At the same time, the special charitable trust is docking other funded projects that meet the purpose of the trust, strictly screening, speeding up implementation and accurately launching.
65438+1On October 25th, Cedar International Trust, a subsidiary of Cedar Holdings, donated RMB10,000 to Wuhan Charity Federation through Guangzhou Charity Association, and donated the first batch of medical materials to Wuhan Red Cross Society, including 40,000 disposable surgical masks, 5,000 N95 masks and 200 protective clothing for epidemic prevention and control in Wuhan.
654381October 26th, CITIC Trust and its subsidiary CITIC Prudential Fund donated120,000 yuan, including100,000 yuan to Wuhan Charity Federation and 2 million yuan to Huanggang Charity Federation. On the same day, AVIC Trust donated the first batch of materials-novel coronavirus nucleic acid detection reagent to Wuhan Red Cross Society. 65438+1On October 27th, Everbright Trust donated the first 3.5 million yuan to Hubei epidemic area to support the fight against the new pneumonia epidemic.
The rescue team is still expanding. On February 6th, Ping An Trust said that the company had set up an epidemic prevention leading group headed by Yao Guiping, Party Secretary and Chairman of the Company. The company has joined hands with a number of investment enterprises in medical, environmental protection, expressway and other industries to devote themselves to the "epidemic situation" with practical actions to help win the epidemic prevention and control war.