“三专两快”让民企不等“贷”

Core Insights - The Agricultural Bank of Yichun has developed an innovative "Three Special and Two Fast" service system to support the high-quality development of the private economy in Jiangxi Province [1][2] - The bank has established a dual-track mechanism for precise matching between banks and enterprises, facilitating direct communication and addressing financing needs [1][2] - A series of financial products have been launched to address urgent financing challenges faced by enterprises, including "Flow e-loan" and "Technology e-loan" [1][2] Group 1: Service System and Mechanisms - The "Three Special and Two Fast" service system includes specialized plans, dedicated channels, professional teams, rapid response, and quick implementation [1] - A dual-track mechanism of "bank president package + dedicated staff stationed" has been established, with 10 financial service teams conducting "sweeping actions" in industrial parks [1] - The bank has set up a "direct line for private enterprise demands," implementing a mechanism for immediate response and feedback, resolving 2 out of 3 initial enterprise requests [1][2] Group 2: Product Innovation and Financial Support - The bank has introduced various financial products tailored to different enterprise needs, such as "Flow e-loan" which has provided a total of 36.5 million yuan in pure credit loans to small and micro enterprises [1] - "Technology e-loan" supports high-tech enterprises with intellectual property pledges, providing 5 million yuan to 2 companies [1] - "Mortgage e-loan" allows flexible use of collateral like factories and equipment to help enterprises secure financing quickly [1] Group 3: Collaborative Initiatives and Training - The bank has formed a "Private Economy Empowerment Alliance" with local government departments to provide value-added services like policy interpretation and technical upgrades [2] - The "Golden Spike Lecture Hall" training program has been launched, covering topics such as exchange rate risk management and digital payment tools, with over 100 participants [2] - A "Financial Special Commissioner" system has been established to streamline processes for business registration and financing applications, reducing the time required by 60% [2] Group 4: Impact and Results - The bank's initiatives have significantly improved financial service effectiveness, with 12 of the funded enterprises recognized as provincial-level specialized and innovative enterprises [3] - As of April 2025, the bank's loans to private enterprises increased by 800 million yuan compared to the previous year [3] - The practices of the Agricultural Bank of Yichun demonstrate the need for innovative service models and enhanced efficiency in financial services for private enterprises [3]