Q: What is the purpose, principle, implementation time and scope of this "Huimin Warm Enterprise Healthy Consumption"?
A: In order to further help small and medium-sized enterprises and individual industrial and commercial households reduce the impact of the epidemic, not only have sufficient operating funds, but also benefit the masses, release consumption potential, expand household consumption, and promote overall employment and economic recovery, the Qinghai Provincial Government, with the strong support of Xining Central Branch of the People's Bank of China, Qinghai Branch of UnionPay, 17 commercial banks, 5 village banks and trade unions at all levels in Qinghai Province, launched a healthy consumption activity for Huimin Warm Enterprises in Qinghai Province. Relying on Qinghai's "credit health code", we will give full play to the positive role of various financial institutions and trade unions in Qinghai Province, and provide preferential treatment for wholesale and retail, catering and accommodation enterprises and consumers in the fields of automobiles, oil products, tourism and sports. , promote the implementation of the project of warm enterprises and healthy credit consumption benefiting the people, realize people's health and benefiting the people, obtain credit assistance from enterprises, effectively expand domestic demand, boost consumer confidence and release consumption potential.
Adhere to the principle of "coordinating prevention and control with development, combining benefiting people with warming enterprises, giving consideration to both convenience and benefit, and giving equal attention to credit and consumption, employment and entrepreneurship", and the activity will be implemented in Qinghai Province from May 1 day to1October 15, 2020. The activities focus on enterprises and individual industrial and commercial households in areas affected by the epidemic, such as business circulation, catering and accommodation, automobile consumption, refined oil sales, tourism, culture and sports. Residents in Qinghai province and teenagers outside Qinghai province can participate in various health consumption activities by registering and using the "credit health code". Qinghai trade union members participate in trade union welfare activities.
Q: What is the main content of this activity? What is the amount of funds?
A: The main contents include the following eight aspects:
Second, strengthen the incentives and constraints of credit consumption. For consumers who are "the most beautiful retrograde" and listed in the "red list" of credit, merchants and banks encourage them through targeted coupons, discounts on consumption, and increasing the preferential ratio; Consumers who don't cooperate with the scan code or the health information is unqualified are not allowed to enter the store for consumption; For those who are included in the disciplinary list of dishonesty, preferential consumption will be restricted.
Fourth, increase financial support for small and micro enterprises. Financial institutions should focus on small and micro enterprises in the fields of wholesale and retail, commercial circulation, catering and accommodation, and strive to increase the proportion of initial loans, credit loans and non-repayment loans. The number of small and micro enterprises that obtained loans for the first time, the amount of small and micro enterprise credit loans loans and the balance of small and micro enterprise loans were all higher than those in the last quarter and the same period last year.
Fifth, strengthen the financing of difficult enterprises. For industries that are greatly affected by the epidemic, such as logistics, transportation, cultural tourism, agricultural breeding, and self-employed households, financial institutions should take measures such as delaying repayment, installment repayment, extension, non-repayment of loans, reduction and exemption of overdue interest, penalty interest, and exemption from liquidated damages. Help enterprises tide over the difficulties and resume production and operation. It is not allowed to blindly borrow, break or suppress loans, and it is not allowed to arbitrarily reduce the credit rating and credit line of enterprises. The interest rate of new loans is lower than the weighted average interest rate of all banks and enterprises in the same period.
Seventh, support consumer credit. All financial institutions should actively carry out credit cards, credit loans, consumer loans, revolving loans and other businesses, develop credit products suitable for online consumption and experience consumption, and provide multi-level and wide-ranging credit support for urban and rural residents' consumption of housing, automobiles, decoration and entertainment. Encourage and promote innovation
Q: What is the specific activity plan?
A: Notice No.22 of Qinghai Provincial Government has made it clear that China UnionPay Qinghai Branch and banking financial institutions in Qinghai Province 17 will participate in the activity of "Huimin Action, Warming Healthy Consumption of Enterprises". At present, five rural banks in Qinghai Province have actively participated. In addition, the Qinghai Provincial Federation of Trade Unions also actively participated in the activities.
(1) China UnionPay Qinghai Branch
(2) China Industrial and Commercial Bank Qinghai Branch
The planned accumulated profit is 25.6 million yuan. Through credit fee reduction, we will provide financing support of 5 billion yuan for corporate customers, small and micro enterprises, catering industry, cultural tourism industry and other sectors, and provide loans of 420 million yuan for consumer and auxiliary industries, and carry out activities such as preferential interest rates for personal credit consumption loans, preferential interest rates for inclusive loans, and ultra-low handling fees for car purchases by stages. Reduce the collection fee for small and micro businesses, give away amusement equipment for free, and make a comprehensive profit of 20.5 million yuan. It is planned to invest 56,543,800 yuan in special expenses to continuously enrich marketing activities through omni-channel and phased promotion in the fields of people's livelihood and consumption. With the help of the radiation of bank card customers.
(3) Agricultural Bank of China Qinghai Branch
(4) China Bank Qinghai Branch
The planned comprehensive profit is 20.28 million yuan. Increase the scale of credit, and provide preferential loan interest rates to key enterprises for epidemic prevention and control and inclusive customers. At the same time, in order to alleviate the financial pressure of individual industrial and commercial households, small and micro business owners and other customers, the "return to work loan" product was launched to achieve a comprehensive interest rate cut of 4.42 million yuan. We will launch the limited-time discount of Youke's card account and special installment rate discount activities in stages, and realize the reduction of fees and profits13.88 million yuan. It is planned to invest 6.5438+0.98 million yuan to carry out online and offline multi-channel preferential activities, and carry out full reduction activities for offline consumption scenarios such as refueling, supermarkets, catering and transportation; Set up the activity area of "China Bank Buy Seven Days of Music" and the rights mall of "Youth Buy" online.
(5) Qinghai Branch of China Construction Bank.
The planned accumulated profit is 654.38+0.5 million yuan. Through preferential interest rates and credit relief for personal credit consumption loans, we will carry out various promotional activities such as "Smart Refueling and Enjoy Oil Benefit", "Long Pay Car Wash with Random Full Reduction", "Shanrong Mall Off-line Full Reduction", "Bus Ride Discount", "Single-point Merchant Full Reduction", "Long Credit Card Full Reduction" and "Long Credit Card installment Happy Purchase" to increase health and epidemic prevention, pharmaceutical product manufacturing and manufacturing.
(6) Green
Hai bank
The planned comprehensive profit is 20 million yuan. By reducing fees and increasing profits, we provided working capital loans of 654.38+billion yuan to catering small and micro enterprises, individual industrial and commercial households and small and micro enterprise owners who met the access conditions of micro-credit business, and made profits by way of loan discount. It is planned to invest not less than 20 million yuan in interest income as special expense funds to carry out preferential activities, credit card consumption activities, wealth and other activities in the catering industry, continuously enrich the content of marketing activities, give full play to the advantages of mobile financial platform and aggregate payment business, and carry out convenient services such as scanning codes and taking orders.
(7) Qinghai Rural Commercial Bank (Rural Credit Cooperative) System
The planned comprehensive profit is 30 million yuan. By reducing interest rates and handling fees, we will provide loans of 6.8 billion yuan to small and micro enterprises supporting agriculture to meet the financing needs of returning to work and production, and provide low-cost inclusive finance support for enterprises, mainly aiming at catering, department stores, entertainment and other industries to promote new formats through the Internet, and to boost consumption through debit cards for individual customers. Provide multi-channel and multi-way activities to benefit the people by means of aggregate payment and full reduction.
(8) China Postal Savings Bank Qinghai Branch.
(9) Qinghai Branch of China Development Bank
It is planned to reduce fees by 30 million yuan, benefit the real economy by increasing credit supply, and continue to carry out the activity of "developing finance to stabilize the economy and promote consumption". It is planned to provide preferential interest rate loans totaling 7 billion yuan for consumer and auxiliary industries, focusing on supporting consumer-related fields such as epidemic prevention and control, major projects, poverty alleviation, transportation, agricultural product circulation, material procurement, etc., and providing low-cost funds for rural credit cooperatives in Qinghai Province by means of lending to help small and micro enterprises reduce financing costs. It is used to pay the credit funds under the emergency loan for epidemic prevention and the special loan for resumption of work and production, and pay the exchange fee in full.
(10) Qinghai Branch of China Agricultural Development Bank
The total planned profit is 20 million yuan. Agricultural policy banks play the role of "leading, filling shortcomings and countercyclical" by providing preferential loans to support agriculture and reducing handling fees. Focus on supporting the supply of agricultural products such as grain, oil, meat, eggs and milk, poverty alleviation, small and micro enterprises benefiting the people, cultural tourism, logistics system and other industries closely related to production and life and people's livelihood, and increase financing support. It is estimated that preferential loans will be put in 3 billion yuan; For customers who handle settlement and other businesses, enjoy the policy of reducing and exempting online banking settlement fees and production fees; Reduce the syndicated arrangement fee and commitment fee for customers who handle syndicated loan business.
(1 1) Qinghai Branch of Bank of Communications
(12) Shanghai Pudong Development Bank Xining Branch
The planned comprehensive profit is 8 million yuan. For catering, entertainment, education and training industries, all online and offline channels are covered, and various marketing activities are carried out to promote consumption. Through credit fee reduction and profit, we invested 500 million yuan in various loans. Provide preferential interest rates for housing loans to business owners in catering, cultural tourism and other industries; For citizens who buy improved housing, reduce the loan interest rate; Merchants who handle the collection of polymer codes can handle at least 30 households at one time in the same business circle and enjoy the preferential treatment of free handling fee for the first three months; If you buy a specified model and use a credit card to pay by installments within a specified period, you can enjoy the installment fee for free.
(XIII) China Merchants Bank Xining Branch
(XIV) Industrial Bank Xining Branch
(15) China CITIC Bank Xining Branch
The planned comprehensive profit is 1, 4 1.9 million yuan. It is planned to provide financing support of RMB 65.438+0-200 million for Pratt & Whitney, private, manufacturing and catering industries through activities such as credit relief, fee relief for public business and full reduction of merchant consumption. Carry out preferential full reduction activities, and directly make profits through the reduction and exemption of counter business fees. In catering, entertainment, home appliances and other industries, in order to facilitate the payment of consumption, it is planned to invest 65,438+10,000 yuan. Give full play to the advantages of service system and network marketing to realize convenient service.
(XVI) China Minsheng Bank Xining Branch
Planned comprehensive profit100000 yuan. Reduce fees and profits through loans, and strengthen financing support for small and micro enterprises, catering industry, cultural tourism and other fields; At the same time, personal consumption loans will be introduced to promote consumption. It is planned to invest 7 million yuan in loan concessions to help enterprises resume production and household consumption. The planned investment is tentatively set at 3 million yuan, targeting large supermarkets and key merchants. And in conjunction with UnionPay China UnionPay Express and large-scale acquiring institutions, it is used for preferential payment activities such as "full reduction of consumption", "coupon issuance" and "merchant handling fee reduction" for bank card customers.
(XVII) China Everbright Bank Xining Branch
Planned comprehensive profit100000 yuan. Providing financing support of 250 million yuan for small and medium-sized enterprises in Qinghai Province, especially catering, cultural tourism, warehousing, transportation, bulk retail and other industries; Invested 250 million yuan in consumer and business-related loans, and carried out bank insurance micro-loans, business-related housing mortgage loans, second-hand housing mortgage loans and other businesses, and made direct profits by reducing fees and adjusting the actual implementation interest rate. It is planned to invest 1 10,000 yuan for mobile convenience payment concessions, aiming at catering, entertainment and household appliances industries, and enriching marketing activities. Give full play to the advantages of payment and cloud payment services, and drive consumption growth through fee reduction.
(XVIII) Huaxia Bank Xining Branch
(XIX) Chase Bank Fu Deng Rural Bank
(20) Huangzhong Sanjiang Rural Bank
It is planned to make a comprehensive profit of more than 400,000 yuan for county customers. By reducing the loan interest rate and reducing some business fees, customers are encouraged to apply for discounted venture loans and low-interest "cooperative loans with banks" to help enterprises in the county resume production. It is planned to provide credit funds of 50 million yuan to 654.38 billion yuan for farmers, small and micro enterprises, farmers' professional cooperatives, catering industry, cultural tourism and other customers in the county, and directly benefit more than 300,000 yuan by lowering the loan interest rate. For county customers, some businesses were reduced and the cost was reduced by more than 654.38 million yuan.
(XXI) Ping An Datong Rural Bank
The planned comprehensive profit is 6.5438+0.2 million yuan. It is planned to provide 20 million yuan of financing support for farmers, individual industrial and commercial households and small and micro enterprises in the fields of catering, cultural tourism and other fields in Ping 'an area, and 20 million yuan of loans for consumption and auxiliary industries, and directly benefit 654.38+million yuan through loan interest rates. Lamian Noodles economic plan to invest 50,000 yuan in this area. Give full play to the advantages of independent legal persons and provide convenience services to the maximum through financial service points. It is estimated that the fee will be reduced by 20,000 yuan.
(22) Ledu Sanjiang Rural Bank
(XXIII) Menyuan Datong Rural Bank
The planned accumulated profit is 654.38 million yuan. Through measures such as preferential loans, fee reduction and preferential payment, financing support of100000 yuan to150000 yuan will be provided to farmers, small and micro enterprises, catering enterprises and individual industrial and commercial households in Menyuan County, and credit loans will be provided to small farmers and urban residents in catering, culture, entertainment, household appliances and other industries. Give full play to the advantages of small amount of support for agriculture and simple procedures of rural banks, realize coding service through mobile banking, reduce costs and drive consumption.
(XXIV) Qinghai Provincial Federation of Trade Unions
Qinghai Provincial Federation of Trade Unions mobilized Qinghai employees to actively participate in the healthy consumption of Huimin warm enterprises. Grass-roots trade union organizations recently distributed the statutory holiday condolence fee of 2,000 yuan in the form of coupons to the staff of organs, institutions and enterprises (including central enterprises, state-owned enterprises, private enterprises, Hong Kong, Macao and Taiwan and foreign-funded enterprises in Qinghai Province). The consumption scope is comprehensive shopping malls, supermarkets, restaurants, cultural tourism and foreign-funded enterprises in various regions of Qinghai Province. Qinghai Provincial Federation of Trade Unions mobilized 200 million yuan for the consumption of employees in the province.
Related Q&A: How to go to the bank to explain the situation in time when the debit card of Youke is swiped to its pos machine? As a credit product of China Bank, Youke installment needs to be used for consumption. Therefore, it is necessary to swipe the card on the pos of related industries to avoid unnecessary troubles when the bank needs to provide proof of use.