According to the relevant person in charge of Shenzhen Construction Bank, as a large state-owned commercial bank, the head office of China Construction Bank has always been committed to serving the real economy when formulating various business policies, especially when formulating annual credit policies, and has always insisted on serving the real economy as the starting point and foothold of CCB's credit work, and put forward clear requirements and guidelines for branches. At the beginning of this year, in response to the work requirements of the National Financial Work Conference that "to do a good job in financial work in the new era, we must adhere to the essential requirements of financial services to the real economy and firmly grasp the solid foundation for the development of the real economy", the head office of CCB clearly stated in its 20 12 credit policy that we should closely follow the national Twelfth Five-Year Plan, seize market opportunities in key infrastructure, strategic emerging industries, small enterprises and people's livelihood, and vigorously support the development of the real economy. Guided by this, the efforts of Shenzhen Construction Bank to serve the development of the real economy have been significantly enhanced.

Specific contents of Shenzhen Construction Bank's commercial loan to provident fund loan

According to an insider of CCB, in view of the Shenzhen housing provident fund system implemented this month, CCB has formulated the Measures for Converting Commercial Loans into Provident Fund Loans, but the insider did not disclose the specific details.

CCB people also reminded the general public that there are tricks to handle provident fund loans. Since the city provident fund center will determine the personal provident fund loan amount according to the applicant's provident fund deposit period, deposit amount, personal credit rating and other indicators, as housing provident fund loans are low-interest loans, citizens can try to occupy this amount first.

When buying a house, you can withdraw funds from the personal housing provident fund account to pay the down payment and loan principal and interest. Applicants are advised to go through the disbursement procedures according to relevant requirements.

For the insufficient housing provident fund loans, citizens can apply for housing mortgage loans to make up for it. Because it involves some loan procedures, it is suggested that the public should try to choose banks with provident fund loans and commercial loans to get the most favorable prices.

At present, China Construction Bank has formulated corresponding measures for the provident fund-commercial portfolio loan, and will provide a housing provident fund loan portfolio plan. First, it will help citizens to apply for housing provident fund loans to replace previous commercial loans. Second, it will provide supporting commercial loans when the amount of housing provident fund loans cannot meet personal needs, and give certain interest rate concessions within the bank's authority.

The latest policy of Shenzhen Construction Bank

In June 5438+February last year, the head office of CCB approved the establishment of a head office-level "Shenzhen Product Innovation Laboratory" in Shenzhen, which further strengthened the innovation work of Shenzhen CCB-making full use of the geographical advantages of Shenzhen and Hong Kong, creating "four platforms" featuring cross-border financial service innovation, developing "new, special and sophisticated" innovative products, and pushing the product innovation work to a higher level. Recommended reading: the latest policy of the first home loan after the Spring Festival.

Effective innovation orientation has produced fruitful innovation results: in the first three quarters of 2065438+2002, Shenzhen Construction Bank launched 49 innovative projects, among which the key innovative projects such as "Financial Night Market" products, "E-Link for Industry and Commerce", innovative products supporting the housing provident fund system, personal loans with characteristics of Wealth Link and 95533 "Air Banking" were highly praised by customers and recognized by market supervision departments.

Since last year, Shenzhen Construction Bank has implemented a business structure adjustment plan, and its business structure has increasingly shown its advantages.

Close to "people's livelihood" from four aspects

The business structure adjustment of Shenzhen Construction Bank is mainly reflected in four aspects.

First, adjust the customer structure and increase support for institutional business. President Liu Jun told the mortgage interest rate network: "In the past, the Bank did not do enough business for institutional customers, but now it has strengthened its all-round business for institutions such as party, government, military hospitals and schools." During the Spring Festival of 20 12, he led the leading group to all districts and units to pay New Year greetings and strengthen contact with customers. Many things happen. At present, three local universities in Shenzhen-Shenzhen University, Southern University, Shenzhen Institute of Technology and Shenzhen Construction Bank have signed strategic cooperation agreements.

Second, strengthen business contacts with various units in the people's livelihood industry. In Shenzhen, apart from the shortage of funds, the first bank to lend money to schools and hospitals was Shenzhen Construction Bank. Moreover, by the end of September 20 12, the personal loan of Shenzhen CCB had exceeded10 billion yuan, which was the only one in Shenzhen and ranked fourth in the CCB system (the top three were Zhejiang, Guangdong and Jiangsu).

Third, develop more comprehensive financial services. Shenzhen Construction Bank deeply analyzes and excavates the characteristics of various industries, and makes full use of a series of comprehensive management means, such as trust, insurance, securities, funds and leasing, to enhance its operational capacity and provide customers with all-round services. President Liu Jun believes that only comprehensive financial services can show the role of big banks and enterprise groups.

Fourth, the business is tilted towards small and medium-sized enterprises, especially small and micro enterprises. Shenzhen is one of the most intensive and active cities in China. At present, there are more than 300,000 small and medium-sized enterprises in the city, accounting for more than 90% of the total number of enterprises in the city, and the number of employed people accounts for 87% of the total number of the city, creating 65% of the city's gross domestic product (GDP). President Liu Jun realized that small and micro enterprises, especially those that serve "food, clothing, housing and transportation", have huge space for survival and development. Therefore, he proposed to formulate "detailed and operable system solutions" for the development of small and micro enterprises. What President Liu Jun deeply understands is the transformation of network functions. Now every branch of Shenzhen Construction Bank is developing small and micro enterprise business with great potential.