4399免费视频

春(chun)風(feng)化雨潤萬企(qi)(qi)(qi)，復(fu)工(gong)(gong)(gong)復(fu)產再揚(yang)帆。今年以來，青(qing)島工(gong)(gong)(gong)行(xing)(xing)認(ren)真貫徹黨中央(yang)及總(zong)行(xing)(xing)關于支持(chi)企(qi)(qi)(qi)業(ye)復(fu)工(gong)(gong)(gong)復(fu)產及“六穩(wen)六保”的(de)各(ge)項決策部署(shu)，主動(dong)擔當(dang)作為(wei)，扎(zha)實有序開(kai)展(zhan)工(gong)(gong)(gong)總(zong)行(xing)(xing)發起的(de)“春(chun)潤行(xing)(xing)動(dong)”，與(yu)青(qing)島市五(wu)部委聯(lian)合(he)(he)發起的(de)“春(chun)風(feng)行(xing)(xing)動(dong)”同(tong)步伐(fa)、聚(ju)合(he)(he)力、互促(cu)進(jin)，為(wei)島城企(qi)(qi)(qi)業(ye)復(fu)產達產保駕護航，以“金融(rong)活水”精準滴灌實體經濟發展(zhan)，憑借實招準招力挺島城企(qi)(qi)(qi)業(ye)共(gong)渡(du)難關，堅持(chi)“大”與(yu)“小”齊(qi)抓并進(jin)，銀企(qi)(qi)(qi)聯(lian)手共(gong)同(tong)按下青(qing)島經濟高質量(liang)發展(zhan)“加速鍵”。

服(fu)務“大”戰略，高質效服(fu)務青島經濟發展

今年以來，青島工行(xing)按照總行(xing)全(quan)面開(kai)展支(zhi)持(chi)企(qi)業復工復產“春潤行(xing)動”的部(bu)署，集中力量(liang)、加(jia)強調度，全(quan)口徑融資(zi)(zi)支(zhi)持(chi)七大類(lei)(lei)(lei)(lei)復工復產重(zhong)點領(ling)域。截至(zhi)11月(yue)末，該行(xing)已實(shi)現對“五醫領(ling)域”類(lei)(lei)(lei)(lei)、生活物(wu)資(zi)(zi)保障類(lei)(lei)(lei)(lei)、交通物(wu)流類(lei)(lei)(lei)(lei)、裝備制造(zao)類(lei)(lei)(lei)(lei)、能源化工類(lei)(lei)(lei)(lei)、電(dian)信(xin)運營類(lei)(lei)(lei)(lei)、外貿外資(zi)(zi)類(lei)(lei)(lei)(lei)224戶企(qi)業貸款投放(fang)374億(yi)元;疫情期間為全(quan)國性防疫重(zhong)點企(qi)業提供快速融資(zi)(zi)8200萬(wan)元，貸款戶數、授信(xin)率、放(fang)款額位居同業前列。

在服務青(qing)島(dao)經濟發(fa)展戰略方(fang)面(mian)，青(qing)島(dao)工行持續加大(da)對重點項(xiang)目(mu)信貸(dai)投(tou)(tou)放，緊緊圍繞青(qing)島(dao)市(shi)“十(shi)五(wu)個(ge)攻勢”，加大(da)信貸(dai)投(tou)(tou)放力度，金(jin)融助力青(qing)島(dao)穩(wen)投(tou)(tou)資、快(kuai)發(fa)展。截至(zhi)11月末(mo)，我行已(yi)對接“十(shi)五(wu)個(ge)攻勢”重點客戶(項(xiang)目(mu))380個(ge)，審批貸(dai)款640億元(yuan),累計(ji)放款310億元(yuan);基(ji)礎產(chan)業領(ling)域貸(dai)款余(yu)額較(jiao)年初(chu)增長55億元(yuan)，貸(dai)款余(yu)額同(tong)業排名前(qian)列(lie)，有效發(fa)揮了我行在支持青(qing)島(dao)基(ji)礎設施建(jian)設中的主力軍作用。

在(zai)服務制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)轉型(xing)升級(ji)方(fang)面(mian)，青(qing)島工(gong)行積極(ji)響應“高(gao)端制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)+人工(gong)智(zhi)能”攻勢，將今年(nian)確定為(wei)全行“制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)金融服務提升年(nian)”，對(dui)制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)企業(ye)(ye)(ye)精準實施專項規模保障和FTP優惠政策(ce)，圍繞先進制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)、傳統制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)轉型(xing)升級(ji)兩大(da)重點領(ling)域，加強供應鏈融資支持(chi)力(li)度，持(chi)續助力(li)青(qing)島制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)轉型(xing)升級(ji)。截(jie)至11月末，青(qing)島工(gong)行制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)貸(dai)款余(yu)額較年(nian)初增長21%，制(zhi)(zhi)(zhi)(zhi)造(zao)(zao)(zao)業(ye)(ye)(ye)客(ke)戶(hu)數(shu)占全部(bu)公司貸(dai)款客(ke)戶(hu)數(shu)的近三分之(zhi)一(yi)。

在服(fu)務(wu)(wu)(wu)“雙循環”新格局方面，為(wei)全(quan)面深化對外(wai)(wai)(wai)資(zi)外(wai)(wai)(wai)貿(mao)企業(ye)金(jin)(jin)融(rong)服(fu)務(wu)(wu)(wu)，充分(fen)發揮工(gong)銀集團優質跨(kua)(kua)境服(fu)務(wu)(wu)(wu)優勢，青島工(gong)行(xing)深入貫徹落實(shi)總行(xing)穩(wen)外(wai)(wai)(wai)資(zi)穩(wen)外(wai)(wai)(wai)貿(mao)“春(chun)融(rong)行(xing)動”的(de)各(ge)項部署要(yao)求，與青島市商(shang)務(wu)(wu)(wu)局簽(qian)署《“春(chun)融(rong)行(xing)動”穩(wen)外(wai)(wai)(wai)貿(mao)、穩(wen)外(wai)(wai)(wai)資(zi)戰略合(he)作(zuo)協議》，發揮產品組合(he)及(ji)內外(wai)(wai)(wai)聯動優勢，對實(shi)體經濟(ji)提(ti)供(gong)(gong)創新產品支持，優先提(ti)供(gong)(gong)跨(kua)(kua)境結(jie)算服(fu)務(wu)(wu)(wu)、全(quan)口徑(jing)跨(kua)(kua)境融(rong)資(zi)服(fu)務(wu)(wu)(wu)、“工(gong)銀跨(kua)(kua)境通”、線(xian)上跨(kua)(kua)境金(jin)(jin)融(rong)服(fu)務(wu)(wu)(wu)、全(quan)球(qiu)金(jin)(jin)融(rong)市場(chang)服(fu)務(wu)(wu)(wu)、全(quan)球(qiu)供(gong)(gong)應鏈服(fu)務(wu)(wu)(wu)、全(quan)球(qiu)現(xian)金(jin)(jin)管(guan)理服(fu)務(wu)(wu)(wu)等金(jin)(jin)融(rong)服(fu)務(wu)(wu)(wu)。截至11月末(mo)，為(wei)我市外(wai)(wai)(wai)貿(mao)外(wai)(wai)(wai)資(zi)企業(ye)辦(ban)理國際(ji)結(jie)算207億美元，為(wei)“春(chun)融(rong)行(xing)動”重點支持國際(ji)貿(mao)易融(rong)資(zi)客戶提(ti)供(gong)(gong)本外(wai)(wai)(wai)幣全(quan)口徑(jing)融(rong)資(zi)138億元。

在服務(wu)工(gong)(gong)(gong)(gong)業(ye)(ye)互聯(lian)(lian)網建(jian)設方面，為(wei)貫(guan)徹落實青島市政府“打造工(gong)(gong)(gong)(gong)業(ye)(ye)互聯(lian)(lian)網之都(dou)”戰(zhan)略部署，今年8月27日工(gong)(gong)(gong)(gong)商銀行與海爾集團(tuan)簽訂《戰(zhan)略合作協(xie)議(yi)》，同(tong)時(shi)全面啟動與海爾合作事項的(de)(de)“一號(hao)工(gong)(gong)(gong)(gong)程”;發揮工(gong)(gong)(gong)(gong)行在科技、服務(wu)等方面優勢，以“融(rong)(rong)智+融(rong)(rong)資+融(rong)(rong)商”的(de)(de)一體(ti)化綜合化金融(rong)(rong)服務(wu)深(shen)度(du)融(rong)(rong)入卡奧斯(si)工(gong)(gong)(gong)(gong)業(ye)(ye)互聯(lian)(lian)網建(jian)設，共創(chuang)“工(gong)(gong)(gong)(gong)業(ye)(ye)互聯(lian)(lian)網+金融(rong)(rong)”新(xin)生(sheng)態(tai)。

心系“小(xiao)”企業(ye)，真招實(shi)效護航小(xiao)微企業(ye)穩健成長

近(jin)年(nian)來青島工行(xing)持續增(zeng)強小微金融供給、主動為優質小微企(qi)業增(zeng)信(xin)，提高小微企(qi)業首貸(dai)(dai)(dai)率(lv)、信(xin)用貸(dai)(dai)(dai)款占比，融資(zi)接續減費讓(rang)利(li)、全(quan)方位(wei)多層次(ci)提供“融資(zi)+融智+融商”綜合金融服務，切(qie)實提升小微企(qi)業貸(dai)(dai)(dai)款增(zeng)量(liang)擴面、提質降(jiang)本的可(ke)得(de)性。截(jie)至(zhi)11月末(mo)，青島工行(xing)人(ren)行(xing)降(jiang)準口(kou)(kou)徑普惠貸(dai)(dai)(dai)款余(yu)額(e)及銀保(bao)監(jian)口(kou)(kou)徑貸(dai)(dai)(dai)款余(yu)額(e)較年(nian)初均增(zeng)加40億(yi)元以(yi)上，普惠貸(dai)(dai)(dai)款增(zeng)速遠高于(yu)全(quan)行(xing)各項貸(dai)(dai)(dai)款增(zeng)速，普惠貸(dai)(dai)(dai)款客戶(hu)(hu)數(shu)較年(nian)初增(zeng)加2585戶(hu)(hu)。

同時，青(qing)島工(gong)行不斷深(shen)化供(gong)應鏈融(rong)資(zi)(zi)服務(wu)，緊緊圍繞“一帶一路”、“軍民融(rong)合”、“民生改善(shan)”、“物(wu)聯互聯”等經(jing)濟發展重點(dian)領域，聚焦先(xian)進(jin)制造業(ye)(ye)、現代農業(ye)(ye)、幸福產業(ye)(ye)、港口物(wu)流等行業(ye)(ye)的優勢企業(ye)(ye)和青(qing)島市(shi)龍頭企業(ye)(ye)，積極為其上(shang)下(xia)游客戶配(pei)套(tao)融(rong)資(zi)(zi)支持。截至(zhi)11月末(mo)，供(gong)應鏈融(rong)資(zi)(zi)已落(luo)地(di)融(rong)資(zi)(zi)項目(mu)較(jiao)年初新增近30條，累計為供(gong)應鏈上(shang)小微企業(ye)(ye)發放(fang)94億元。

開拓“大”思路，科(ke)技創新賦能金(jin)融服(fu)務(wu)再飛躍(yue)

青(qing)島工行始終堅信(xin)金(jin)融(rong)科技(ji)(ji)是實(shi)現金(jin)融(rong)支持的(de)有力手段，依托自身強大的(de)金(jin)融(rong)科技(ji)(ji)實(shi)力，不(bu)(bu)斷(duan)開拓擴大服(fu)務(wu)創新思路，在(zai)提(ti)升客戶(hu)金(jin)融(rong)服(fu)務(wu)方面不(bu)(bu)斷(duan)探(tan)索與突破(po)。

近(jin)年來，青島(dao)工行(xing)主動順(shun)應(ying)“數字(zi)普惠(hui)”的趨勢，運用互聯網思維(wei)，重構普惠(hui)產品體系，積極實施數字(zi)普惠(hui)創新，金融(rong)(rong)(rong)科技賦(fu)能(neng)小微企(qi)業發展。創新搭建一(yi)個平(ping)臺:小微金融(rong)(rong)(rong)服務(wu)(wu)(wu)平(ping)臺;打造三大產品體系:經營快(kuai)貸(dai)、E抵快(kuai)貸(dai)、線(xian)上(shang)供應(ying)鏈融(rong)(rong)(rong)資，努力成(cheng)為普惠(hui)金融(rong)(rong)(rong)綜合服務(wu)(wu)(wu)商。其中：“小微金融(rong)(rong)(rong)服務(wu)(wu)(wu)平(ping)臺”創新打造了“線(xian)上(shang)預約、線(xian)下(xia)面(mian)簽”的便捷開戶(hu)新模(mo)式(shi)(shi)，客(ke)戶(hu)僅需(xu)(xu)到店一(yi)次，半小時即可完成(cheng)開戶(hu)與基(ji)礎業務(wu)(wu)(wu)的一(yi)站式(shi)(shi)辦理。該行(xing)經營快(kuai)貸(dai)具(ju)有“低門檻(jian)、純信用”等特點，無(wu)需(xu)(xu)抵押擔保，主動授信，全(quan)線(xian)上(shang)操作(zuo)，實現“秒貸(dai)”。

同時，青島工行以大(da)數(shu)據、互聯網、區塊鏈(lian)推(tui)動業(ye)務(wu)創(chuang)新，基(ji)于(yu)交易(yi)、資產(chan)、納(na)稅(shui)(shui)、信用(yong)等(deng)多(duo)維度數(shu)據，為(wei)小微(wei)企業(ye)開發“稅(shui)(shui)務(wu)貸(dai)(dai)(dai)”“跨境貸(dai)(dai)(dai)”“順豐貸(dai)(dai)(dai)”“用(yong)工貸(dai)(dai)(dai)”“資產(chan)貸(dai)(dai)(dai)”“醫保貸(dai)(dai)(dai)”等(deng)各類場(chang)景化信用(yong)貸(dai)(dai)(dai)款服務(wu);以“數(shu)字普惠+供(gong)應(ying)鏈(lian)”貸(dai)(dai)(dai)動產(chan)業(ye)鏈(lian)條發展(zhan)，推(tui)出(chu)“工銀e 信”、“e 鏈(lian)快貸(dai)(dai)(dai)”等(deng)數(shu)字供(gong)應(ying)鏈(lian)融資產(chan)品;創(chuang)新開發適(shi)應(ying)當地小微(wei)企業(ye)經營(ying)特(te)色的“醫保貸(dai)(dai)(dai)”“專利(li)貸(dai)(dai)(dai)”“農(nong)擔(dan)貸(dai)(dai)(dai)”“政銀保”等(deng)普惠產(chan)品，滿足各行各業(ye)企業(ye)的金融服務(wu)需求(qiu)。

　集聚(ju)“小”力量(liang)，銀企(qi)對接顯成效

金(jin)(jin)融(rong)(rong)支持穩企業(ye)(ye)保(bao)就業(ye)(ye)，關(guan)鍵是要直達廣大(da)(da)民營中(zhong)小微企業(ye)(ye)，這就離不開有效的(de)(de)政(zheng)銀企對接(jie)活動。今年(nian)疫情(qing)發生以來，青島工行扎(zha)實開展(zhan)人(ren)民銀行青島市(shi)中(zhong)心(xin)支行、青島銀保(bao)監(jian)(jian)局、青島市(shi)地方(fang)(fang)金(jin)(jin)融(rong)(rong)監(jian)(jian)督管理局開展(zhan)的(de)(de)銀企對接(jie)行動，做(zuo)好金(jin)(jin)融(rong)(rong)政(zheng)策(ce)的(de)(de)精準傳(chuan)遞，將國有大(da)(da)行的(de)(de)初心(xin)與使命(ming)與對企業(ye)(ye)的(de)(de)金(jin)(jin)融(rong)(rong)服(fu)務深(shen)度融(rong)(rong)合，發動全(quan)行“訪企業(ye)(ye)、送(song)服(fu)務”，在(zai)全(quan)行掀起了“人(ren)人(ren)都是金(jin)(jin)融(rong)(rong)服(fu)務專(zhuan)員、全(quan)方(fang)(fang)位金(jin)(jin)融(rong)(rong)服(fu)務送(song)上門”的(de)(de)工作熱潮，凝聚全(quan)行之力(li)解決企業(ye)(ye)金(jin)(jin)融(rong)(rong)服(fu)務需(xu)求(qiu)，政(zheng)銀企三方(fang)(fang)形成合力(li)實現金(jin)(jin)融(rong)(rong)直達實體經(jing)濟(ji)。

今年以來(lai)，青島工行(xing)100多名(ming)公(gong)司信(xin)貸客(ke)戶經理深入開(kai)展企(qi)(qi)(qi)業(ye)走訪，充分發揮金融(rong)(rong)(rong)專員的(de)(de)(de)聯(lian)接與服務(wu)作(zuo)用，深入一線了解(jie)企(qi)(qi)(qi)業(ye)生(sheng)產經營情況，摸排企(qi)(qi)(qi)業(ye)金融(rong)(rong)(rong)需求，強(qiang)化融(rong)(rong)(rong)資(zi)需求對(dui)接時效性(xing)和針對(dui)性(xing)。對(dui)符合信(xin)貸條(tiao)件的(de)(de)(de)，精(jing)簡工作(zuo)流程(cheng)，應貸盡貸、應貸快貸;對(dui)暫不具備融(rong)(rong)(rong)資(zi)條(tiao)件的(de)(de)(de)，設法通過后(hou)續(xu)融(rong)(rong)(rong)資(zi)培育及產品創新解(jie)決企(qi)(qi)(qi)業(ye)融(rong)(rong)(rong)資(zi)難(nan)題(ti)，對(dui)暫無融(rong)(rong)(rong)資(zi)需求的(de)(de)(de)，與企(qi)(qi)(qi)業(ye)建立定期(qi)聯(lian)絡機制，保障后(hou)續(xu)服務(wu)質(zhi)量。切實(shi)以客(ke)戶需求為中(zhong)心，全力(li)將(jiang)全方位的(de)(de)(de)金融(rong)(rong)(rong)服務(wu)精(jing)準直達，不斷拉近銀企(qi)(qi)(qi)距離，與企(qi)(qi)(qi)業(ye)實(shi)現(xian)“同進退(tui)、共成長”。

截至11月末，在人(ren)民銀行“千員(yuan)萬(wan)戶(hu)(hu)(hu)(hu)”活動方面，共(gong)聯系走訪(fang)(fang)企(qi)業(ye)553戶(hu)(hu)(hu)(hu)，為萬(wan)戶(hu)(hu)(hu)(hu)企(qi)業(ye)中(zhong)的(de)532戶(hu)(hu)(hu)(hu)企(qi)業(ye)發放融(rong)(rong)資(zi)共(gong)計207億元(yuan)，同(tong)業(ye)考評位居首(shou)位。在銀保監(jian)局“百行進萬(wan)企(qi)”活動方面，共(gong)填報客(ke)戶(hu)(hu)(hu)(hu)調查問卷14220份(fen)，為客(ke)戶(hu)(hu)(hu)(hu)庫內524戶(hu)(hu)(hu)(hu)企(qi)業(ye)提(ti)供(gong)融(rong)(rong)資(zi)支持(chi)12億元(yuan)。在青島市地方金融(rong)(rong)監(jian)管(guan)局金融(rong)(rong)輔導工(gong)作方面，共(gong)走訪(fang)(fang)輔導企(qi)業(ye)348戶(hu)(hu)(hu)(hu)，已為其中(zhong)171戶(hu)(hu)(hu)(hu)企(qi)業(ye)提(ti)供(gong)融(rong)(rong)資(zi)218億元(yuan)。