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8月(yue)31日金融一(yi)線消息，昨日下午，國家(jia)(jia)(jia)金融監(jian)督管理總局(ju)上(shang)(shang)海(hai)(hai)(hai)監(jian)管局(ju)聯合市(shi)工商(shang)聯等八(ba)個單位組(zu)織(zhi)上(shang)(shang)海(hai)(hai)(hai)銀(yin)(yin)(yin)行(xing)(xing)業保(bao)險業開展“萬企(qi)(qi)千億”行(xing)(xing)動暨(ji)首貸戶“千企(qi)(qi)萬戶”工程，上(shang)(shang)海(hai)(hai)(hai)轄內(nei)中資銀(yin)(yin)(yin)行(xing)(xing)、部(bu)分保(bao)險公司和相關(guan)園區、商(shang)會(hui)、企(qi)(qi)業負責人近200人參會(hui)。會(hui)上(shang)(shang)組(zu)織(zhi)了上(shang)(shang)海(hai)(hai)(hai)銀(yin)(yin)(yin)企(qi)(qi)險企(qi)(qi)簽署(shu)合作協(xie)議，上(shang)(shang)海(hai)(hai)(hai)張(zhang)江集團(tuan)、上(shang)(shang)海(hai)(hai)(hai)G60科創走廊創新研究中心、上(shang)(shang)海(hai)(hai)(hai)交通(tong)大學國家(jia)(jia)(jia)大學科技園、上(shang)(shang)海(hai)(hai)(hai)市(shi)安徽商(shang)會(hui)等園區和商(shang)會(hui)分別與(yu)多家(jia)(jia)(jia)銀(yin)(yin)(yin)行(xing)(xing)保(bao)險機構簽署(shu)戰略(lve)合作協(xie)議，工商(shang)銀(yin)(yin)(yin)行(xing)(xing)上(shang)(shang)海(hai)(hai)(hai)市(shi)分行(xing)(xing)、農業銀(yin)(yin)(yin)行(xing)(xing)上(shang)(shang)海(hai)(hai)(hai)市(shi)分行(xing)(xing)分別與(yu)10家(jia)(jia)(jia)企(qi)(qi)業客戶簽署(shu)伙(huo)伴銀(yin)(yin)(yin)行(xing)(xing)協(xie)議。

據悉，本(ben)次活動重(zhong)點(dian)(dian)圍繞(rao)建(jian)設(she)現(xian)代化產業(ye)(ye)(ye)(ye)體系和促進經濟(ji)恢復(fu)發(fa)展，銀行保險(xian)(xian)機(ji)構(gou)重(zhong)點(dian)(dian)走訪對(dui)(dui)象包括：創(chuang)新型中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)、特色產業(ye)(ye)(ye)(ye)集群中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)、重(zhong)點(dian)(dian)產業(ye)(ye)(ye)(ye)鏈上下游中(zhong)小(xiao)企(qi)(qi)業(ye)(ye)(ye)(ye)、中(zhong)小(xiao)微外(wai)貿企(qi)(qi)業(ye)(ye)(ye)(ye)、納稅評級較好企(qi)(qi)業(ye)(ye)(ye)(ye)、優(you)質(zhi)民營企(qi)(qi)業(ye)(ye)(ye)(ye)、專(zhuan)利工作試點(dian)(dian)示(shi)范企(qi)(qi)業(ye)(ye)(ye)(ye)、個體工商戶等。各金(jin)融(rong)機(ji)構(gou)強化監(jian)測(ce)對(dui)(dui)接服(fu)務機(ji)制，增強走訪對(dui)(dui)接的精準性。同時，建(jian)立“伙伴銀行”“伙伴保險(xian)(xian)”服(fu)務機(ji)制，讓(rang)金(jin)融(rong)服(fu)務伴隨企(qi)(qi)業(ye)(ye)(ye)(ye)全生(sheng)命周期(qi)。國(guo)家金(jin)融(rong)監(jian)督(du)管(guan)理總(zong)局(ju)(ju)上海監(jian)管(guan)局(ju)(ju)要求(qiu)金(jin)融(rong)機(ji)構(gou)結合本(ben)次調(diao)研走訪，深入基層(ceng)，大興調(diao)查(cha)研究，邀請企(qi)(qi)業(ye)(ye)(ye)(ye)填寫滿意度問卷，查(cha)找金(jin)融(rong)服(fu)務在(zai)機(ji)制、產品(pin)、技術、流(liu)程等方面(mian)存(cun)在(zai)的不足，了解企(qi)(qi)業(ye)(ye)(ye)(ye)訴求(qiu)，不斷優(you)化金(jin)融(rong)產品(pin)和服(fu)務質(zhi)效。

上海銀行業保(bao)險業“萬(wan)企(qi)千(qian)億(yi)”活(huo)(huo)(huo)動將持(chi)續到2023年底，首貸戶(hu)“千(qian)企(qi)萬(wan)戶(hu)”活(huo)(huo)(huo)動將持(chi)續到2024年底。活(huo)(huo)(huo)動期間(jian)，全市(shi)銀行保(bao)險機(ji)構深入開展(zhan)“走萬(wan)企(qi) 提信心 優服務(wu)”活(huo)(huo)(huo)動，今(jin)年計劃新增對接(jie)授信金額超千(qian)億(yi)元；力爭活(huo)(huo)(huo)動期間(jian)每(mei)年首貸戶(hu)新增2萬(wan)戶(hu)。

為確保(bao)上海“萬企千億”行動(dong)暨首貸戶(hu)“千企萬戶(hu)”工(gong)程(cheng)取得(de)長遠實效，國(guo)家(jia)金(jin)(jin)融監(jian)(jian)督管理總局(ju)上海監(jian)(jian)管局(ju)要求(qiu)建(jian)立健全三(san)項機制(zhi)(zhi)，具體(ti)包括：融資暢通長效機制(zhi)(zhi)，即上門(men)收集問題查找服(fu)務(wu)差距并建(jian)立改(gai)進金(jin)(jin)融服(fu)務(wu)的長效機制(zhi)(zhi)；伙(huo)伴(ban)銀行和伙(huo)伴(ban)保(bao)險(xian)機制(zhi)(zhi)，根據企業發展變化，主動(dong)提供(gong)相適應的綜合金(jin)(jin)融服(fu)務(wu)方案，伴(ban)隨企業成長；監(jian)(jian)測督查機制(zhi)(zhi)，金(jin)(jin)融監(jian)(jian)管部(bu)門(men)和銀行保(bao)險(xian)同業公會做好(hao)對各金(jin)(jin)融機構工(gong)作的監(jian)(jian)測、督促和指(zhi)導。

國家(jia)金(jin)(jin)融(rong)(rong)監(jian)(jian)督管(guan)理總局(ju)上(shang)(shang)(shang)海(hai)監(jian)(jian)管(guan)局(ju)和(he)市經信(xin)委(wei)、商(shang)務(wu)(wu)(wu)委(wei)、市場(chang)監(jian)(jian)管(guan)局(ju)、地(di)方(fang)金(jin)(jin)融(rong)(rong)監(jian)(jian)管(guan)局(ju)、知識產權局(ju)、稅務(wu)(wu)(wu)局(ju)、工商(shang)聯(lian)等八(ba)大部門將精誠(cheng)合(he)作，形成全銀行(xing)業(ye)保(bao)(bao)險(xian)(xian)(xian)業(ye)參與、各部門合(he)力服(fu)務(wu)(wu)(wu)實體經濟(ji)的(de)良(liang)好氛圍。這(zhe)是上(shang)(shang)(shang)海(hai)銀行(xing)業(ye)保(bao)(bao)險(xian)(xian)(xian)業(ye)和(he)金(jin)(jin)融(rong)(rong)監(jian)(jian)管(guan)部門深入貫(guan)徹(che)落(luo)實主(zhu)題(ti)教育活動(dong)的(de)重要(yao)舉措，是上(shang)(shang)(shang)海(hai)銀行(xing)業(ye)保(bao)(bao)險(xian)(xian)(xian)業(ye)和(he)金(jin)(jin)融(rong)(rong)監(jian)(jian)管(guan)部門服(fu)務(wu)(wu)(wu)實體經濟(ji)、立足(zu)為(wei)民服(fu)務(wu)(wu)(wu)解難(nan)題(ti)的(de)重要(yao)體現，體現了舉全行(xing)業(ye)之力發展上(shang)(shang)(shang)海(hai)普惠金(jin)(jin)融(rong)(rong)、落(luo)實中(zhong)央穩增(zeng)長決策部署的(de)決心。國家(jia)金(jin)(jin)融(rong)(rong)監(jian)(jian)督管(guan)理總局(ju)上(shang)(shang)(shang)海(hai)監(jian)(jian)管(guan)局(ju)要(yao)求在滬銀行(xing)保(bao)(bao)險(xian)(xian)(xian)機構增(zeng)強“主(zhu)動(dong)送服(fu)務(wu)(wu)(wu)”的(de)意識，變“坐商(shang)”為(wei)“行(xing)商(shang)”，主(zhu)動(dong)聯(lian)系企(qi)(qi)業(ye)上(shang)(shang)(shang)門走訪(fang)，提(ti)供融(rong)(rong)資暢通和(he)保(bao)(bao)險(xian)(xian)(xian)保(bao)(bao)障解決方(fang)案(an)，增(zeng)強中(zhong)小微企(qi)(qi)業(ye)金(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)的(de)獲得感。同(tong)時，要(yao)結合(he)融(rong)(rong)資對(dui)接過程中(zhong)發現的(de)問題(ti)，查找不足(zu)和(he)差距，研(yan)究提(ti)升服(fu)務(wu)(wu)(wu)質效(xiao)的(de)舉措，建立改進中(zhong)小微企(qi)(qi)業(ye)金(jin)(jin)融(rong)(rong)服(fu)務(wu)(wu)(wu)的(de)長效(xiao)機制，從而下沉客戶(hu)，開拓(tuo)市場(chang)，做(zuo)大小微金(jin)(jin)融(rong)(rong)市場(chang)“蛋(dan)糕”，惠及更多的(de)中(zhong)小微企(qi)(qi)業(ye)。

會上(shang)還(huan)透(tou)露(lu)，近(jin)年(nian)(nian)來，上(shang)海(hai)各家(jia)銀行(xing)保險機(ji)構(gou)在解決小微(wei)企業(ye)(ye)融(rong)(rong)資(zi)難、融(rong)(rong)資(zi)貴問題(ti)上(shang)做了很(hen)多(duo)努力(li)，進行(xing)了積極(ji)的(de)探索。上(shang)海(hai)的(de)小微(wei)金(jin)融(rong)(rong)服務多(duo)年(nian)(nian)來位居(ju)全(quan)國前列。2023年(nian)(nian)5月，上(shang)海(hai)普惠(hui)型小微(wei)企業(ye)(ye)貸款余(yu)額(e)首次突破萬億(yi)元(yuan)大(da)關(guan)。到今年(nian)(nian)6月末(mo)，上(shang)海(hai)轄內普惠(hui)型小微(wei)企業(ye)(ye)貸款余(yu)額(e)為(wei)萬億(yi)元(yuan)，較年(nian)(nian)初(chu)增長%，高于各項貸款增速個(ge)百(bai)分點；貸款戶(hu)(hu)數77萬戶(hu)(hu)。普惠(hui)貸款利(li)率約%，同比減少(shao)個(ge)百(bai)分點，為(wei)全(quan)國最低地(di)區(qu)之一。2023年(nian)(nian)上(shang)半年(nian)(nian)上(shang)海(hai)轄內中資(zi)銀行(xing)合(he)計減少(shao)收費項目238項、減免收費億(yi)元(yuan)，有效降低企業(ye)(ye)負(fu)擔，提升市(shi)場主體(ti)獲得感、幸福(fu)感和安全(quan)感。

責任編輯：李琳琳