This is just one of the innovative achievements of the People's Bank of Changzhou Branch of the People's Bank of China. In recent years, the Bank has achieved certain innovations and achievements in the establishment of the SME credit system, the promotion of modern payment tools, and the in-depth service of people's livelihood social security.
In terms of innovating the credit system for SMEs, the Changzhou People's Bank established a platform for sharing SMEs' credit information across the city within two years, effectively solving the problem of asymmetrical information such as information asymmetry in SME financing. At present, more than 3.8 million pieces of information for SMEs have been collected from 63,000 SMEs. At the same time, relying on the platform, an evaluation system of “credit scoring + indicator screening†was established to promote the “SME financing training programâ€. Since 2010, the platform has helped 2,719 SMEs that have obtained bank loans worth 19.85 billion yuan.
In implementing non-cash payment and settlement instruments, the Bank implemented the reform of the official card settlement method at the municipal, district and township level B budget units, and developed and put into operation the “Changzhou Municipal Government Card Transaction Information System†to increase the degree of official consumption supervision and transparency. . By June 2010, the city’s budget units had handled 16,995 business cards.
In terms of service social security system construction, the Bank took the lead in adopting the treasury debit deduction method in the country to collect the city's endowment insurance, unemployment insurance, work-related injury insurance, maternity insurance, and medical insurance (referred to as “five insurancesâ€) from the Treasury integration. The establishment of a new model of "five-insurance-one-in-one" has resulted in 100% coverage of social security and downsizing. In 2009, it collected 1,087,200 five social insurances, amounting to 4.845 billion yuan. At the same time, the bank also piloted new services for pension insurance funds, and directly handled the collection and issuance of pension insurance funds for institutions and institutions. At present, 20,000 people have enjoyed the efficient and efficient service of the state treasury pension income and expenditure business. In addition, last year, the bank also quickly processed unemployment insurance refunds according to relevant policies, and successfully returned 34,420,200 yuan of unemployment insurance premiums paid by 18,444 households from July to October in 2009. This made it take at least one month before Funds withdrawn from payment will be refunded within three days.
In promoting the development of commercial acceptance billing business, as of the end of July 2010, the city’s financial institutions had recommended 61 pilot companies, and 58 pilot companies had issued 1,508 commercial acceptance bills to 335 supporting SMEs, with a total issued amount of 54.94. 100 million yuan. Among them, 5,021 million yuan commercial acceptance bills were discounted by banks. The re-discount amount of the city's commercial acceptance bills was 3.627 billion yuan, and 100% of the commercial acceptance bills due at the time were paid in full and on time. The promotion and use of commercial acceptance bills has reduced the financing costs of SMEs while broadening the financial channels of SMEs.
Changzhou Public Utilities Realizes Personal Payment “One Card†Time:2010-8-20 12:08:01 Source: China Access Control Information Center Sorting 19 Daily People's Bank of Changzhou Center Branch held by the Municipal Information Office of the People's Republic of China The conference learned that through the in-depth implementation of the "One Card" project, the citizens' "difficulty in paying bills" has been greatly eased in recent years. At present, there are 9 utilities such as tap water, electricity, telecommunications, cable TV, gas, taxes, Netcom communication, Tietong communication, and China Unicom, and personal payment “cards†have been realized. From the end of January to the end of this year, the "All-in-one Card" system handled 15.36 million items of fees, amounting to 840 million yuan, an increase of 7.9% and 9.1% year-on-year respectively, and an average collection rate of 98.49%.