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支持商业固定性贷款,提高银企效益 城市商业、饮食服务业与广大人民群众生活关系十分密切,但由于网点不足,给企业扩大经营和支持工业生产,满足人民生活带来许多不便。晋中地区工商银行从1984年开办商业固定性贷款以来,共发放商业、饮食服务业网点设施贷款4248万元;支持项目219个,这些贷款,收到了投资不多,期限较短,繁荣市场,方便生活等较好的经济效益和社会效益,银行贷款本息也能大部分按期归还,从而取得了自身效益。几年来,晋中工商银行还适时发放技术改造贷款,支持商办工来更新改造设备,引进先进技术,提高生产能力,增加产品品种。几年来,共发放商办工业技改贷款899万元,支持项目24个。近年来他们向平遥牛肉总公司、乳制品厂等骨干企业发放技改贷款334万元。1994年以来,这两户商办工业销售、利税就较3年前分别增长了157％、153%。“冠云牌”平遥牛肉是名牌产品,但由于受资金、技术、储运等多种因素的制约,一直形不成规模效益。晋中工商银行及时注入技改贷款35万元,进行了配套改造,使这一名优产品得到了迅速发展。“冠云牌”平遥牛肉也被国内贸易部认证为“中华老字号”产品。去年他们又支持了该企业贷款300万元进行牛肉生产线技术改造,今年竣工投产
Support Commercial Fixed Loans and Improve the Benefit of Banks and Enterprises The relationship between business and catering services in urban areas and the broad masses of people is very close. However, due to the lack of outlets, it has brought inconvenience to enterprises in expanding their operations and supporting industrial production and satisfying the people’s livelihood. Since the establishment of the commercial fixed-line loans in 1984, the Industrial and Commercial Bank of Jinzhong District has issued a total of 42.48 million yuan in facilities for commercial and catering service outlets and 219 projects in support. These loans have received little investment, short-term loans, booming markets, Convenient living and other better economic and social benefits, the principal and interest of bank loans can be returned on the majority of the scheduled, and thus achieved its own benefits. Over the past few years, Jinzhong Industrial and Commercial Bank of China also timely issuance of technological transformation loans, business support workers to update and transform equipment, the introduction of advanced technology, improve production capacity and increase product variety. Over the past few years, a total of 8.99 million yuan of industrial technical innovation loans have been issued to businesses and 24 projects have been supported. In recent years, they have issued technical innovation loans of 3.34 million yuan to backbone enterprises such as Pingyao Beef Company and Dairy Products Factory. Since 1994, profits and taxes of these two families have increased by 157% and 153% respectively over three years ago. “Guan Yun” Pingyao beef is a brand-name product, but due to capital, technology, storage and transportation and other factors, has not been able to scale the benefits. Jinzhong Industrial and Commercial Bank of China promptly injected 350,000 yuan in technical innovation loans and carried out supporting transformation so that this excellent product has been rapidly developed. “Guan Yun card” Pingyao beef has also been certified by the domestic Ministry of Trade as “old China” products. Last year, they also supported the enterprise loan of 3 million yuan for technical transformation of the beef production line and completed and put into production this year