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资阳农商一小步 千亿牙谷一大步——资阳农商银行高新支行首笔“牙谷贷”创4个第一

2018-06-01 17:37:57    来源:资阳日报    作者:陈骏锋 肖然  点击数:

“中国牙谷”首家银行遇到“中国牙谷”首家企业会碰撞出怎样的火花?随着电脑上Enter键的一起一落,5月23日上午,一笔“4个第一”贷款在资阳农商银行高新支行成功发放。该笔贷款是“中国牙谷”入驻企业的第一笔贷款,是我市辖内银行在中国牙谷产业园发放的第一笔贷款,是资阳农商银行第一笔“牙谷贷”,标志着银企联动的序幕正式拉开,金融助力“千亿牙谷”迈出了坚实的第一步。

2个工作日 信贷创新“及时雨”解企业燃眉之急

2017年12月21日,“中国牙谷”首家投产企业——四川恒和鑫口腔科技有限公司在资阳牙谷——全国口腔全产业链生产基地开始了试生产。这家以互联网为销售及配送平台,以数字化义齿生产为核心,以口腔医疗器械、口腔护理保健产品生产为主题,集制造及销售为一体的口腔科技实业公司,具有高效优质的技术支持和雄厚的自身实力,企业年产值预计将超7000万元。恒和鑫率先在国内引进的全流程数字化义齿生产线,将从病人口中光学扫描到设计制作出成品由原来的4天缩短为最快2个小时。

然而,前期投入巨大,想要进一步发展就必须有源源不断的资金注入。由于恒和鑫公司属于轻资产、高技术企业,并无可提供的抵押物,融资难成为摆在企业面前的一个拦路虎。

得知情况后,资阳农商银行高度重视并给予全方位支持,上至董事长,信贷管理部、风险管理部、高新支行全体干部员工都迅速行动起来。客户经理第一时间深入调查,为客户量身定做了3种金融服务方案,并一改以往企业贷款的串联办理模式,边受理边完善,并联办理模式使得审批时间大大缩短。

仅仅2个工作日,便实现了首笔贷款——信用贷款200万元的成功发放。恒和鑫公司对资阳农商银行高效的工作效率、优质的服务态度给予了充分肯定。

背后的故事 “特别”银行的“特别之为”

“2个工作日”背后的故事,更加值得回味。

牙谷产业园内大多是轻资产、高技术企业,传统贷款根本无法解决企业融资难的问题,资阳农商银行高新支行在广泛考察学习省内外各类银行的基础上,结合监管准入条件和资阳实际,根据对企业现有经营情况以及未来发展前景的分析,创新推出“牙谷贷”,旨在提升高新区金融服务水平,助推资阳高新区经济发展。

时间回到2017年8月,资阳农商银行为更好建设金融创新试验区,发挥金融对口腔装备产业基地的支撑作用,按照市委、市政府决策部署,在高新区基础设施尚不完备,商业环境尚未成熟的情况下,不惧艰难和风险,毅然挺进高新产业园区率先建立高新支行。

12月21日,资阳农商银行正式挂牌开业。这家有着60多年历史的“老银行”,作为地方金融创新和普惠金融结合的样板,焕发出新的生机和活力,志在为资阳的科技企业、牙谷企业、双创企业提供优质、高效的金融服务。资阳农商银行高新支行目前是位于高新产业园区的首家、也是园区内唯一的一家银行。

今年3月26日,高新支行进入试营业阶段。前期在考察学习的基础上,资阳农商银行结合实际,给予高新支行独立的信贷审批权限,建立了适应科技型企业金融需求特点的信贷管理流程,减少了审批环节,提高了审贷效率。这支由资阳农商银行董事长亲自主管、主管行长兼任支行行长、平均年龄只有30岁、本科以上学历占比达70%以上的“特别”队伍,白天出门拜访摸底园区企业、科技企业、双创企业,晚上开展各种培训、讨论提升自身业务素质。2个工作日的背后是全体干部员工的辛勤汗水;在四川恒和鑫口腔科技有限公司前来申请贷款之前,高新支行的干部员工就对这家企业了如指掌。

该笔贷款的发放,是资阳农商银行走出的一小步,但是对牙谷建设、对金融支持科技企业的探索来说,意义重大。“一年起步、三年建城、五年成谷”,目前资阳正在举全市之力,以全球视野谋划推动,力争到2022年基本建成产学研销医养口腔全产业链基地,打造中国一流、世界知名的中国牙谷。资阳农商银行高新支行作为高新区金融服务的排头兵,将全面跟进高新区建设和发展,做好一站式金融服务的承包商,举全行之力,以最大力度为牙谷发展注入新动能,为打造千亿牙科产业、支持科技企业、“双创”企业发展腾飞、成为一家名副其实的“良知、良能、良行、良善”的良好银行而不懈奋斗。

责任编辑:FreeMarker template error: get(realname) failed on instance of com.ieccms.cms.entity.main.CmsUser_$$_jvst840_6. See cause exception. The failing instruction (FTL stack trace): ---------- ==> ${content.user.realname!} [in template "WEB-INF/t/cms/www/other/content/information_zxzx_details.html" at line 167, column 50] ---------- Java stack trace (for programmers): ---------- freemarker.template.TemplateModelException: [... Exception message was already printed; see it above ...] at freemarker.ext.beans.BeanModel.get(BeanModel.java:222) at freemarker.core.Dot._eval(Dot.java:76) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.DefaultToExpression._eval(DefaultToExpression.java:116) at freemarker.core.Expression.eval(Expression.java:111) at freemarker.core.Expression.evalAndCoerceToString(Expression.java:115) at freemarker.core.DollarVariable.accept(DollarVariable.java:76) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visitByHiddingParent(Environment.java:286) at freemarker.core.ConditionalBlock.accept(ConditionalBlock.java:86) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.MixedContent.accept(MixedContent.java:93) at freemarker.core.Environment.visit(Environment.java:265) at freemarker.core.Environment.process(Environment.java:243) at freemarker.template.Template.process(Template.java:277) at com.ieccms.cms.staticpage.StaticPageDaoImpl.contentStatic(StaticPageDaoImpl.java:511) at com.ieccms.cms.staticpage.StaticPageSvcImpl.content(StaticPageSvcImpl.java:58) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$FastClassBySpringCGLIB$$48520056.invoke() at org.springframework.cglib.proxy.MethodProxy.invoke(MethodProxy.java:204) at org.springframework.aop.framework.CglibAopProxy$CglibMethodInvocation.invokeJoinpoint(CglibAopProxy.java:700) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:150) at org.springframework.transaction.interceptor.TransactionInterceptor$1.proceedWithInvocation(TransactionInterceptor.java:96) at org.springframework.transaction.interceptor.TransactionAspectSupport.invokeWithinTransaction(TransactionAspectSupport.java:260) at org.springframework.transaction.interceptor.TransactionInterceptor.invoke(TransactionInterceptor.java:94) at org.springframework.aop.framework.ReflectiveMethodInvocation.proceed(ReflectiveMethodInvocation.java:172) at org.springframework.aop.framework.CglibAopProxy$DynamicAdvisedInterceptor.intercept(CglibAopProxy.java:633) at com.ieccms.cms.staticpage.StaticPageSvcImpl$$EnhancerBySpringCGLIB$$84b90e83.content() at com.ieccms.cms.staticpage.StaticAct.contentSubmit(StaticAct.java:365) at sun.reflect.GeneratedMethodAccessor6137.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at org.springframework.web.bind.annotation.support.HandlerMethodInvoker.invokeHandlerMethod(HandlerMethodInvoker.java:176) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.invokeHandlerMethod(AnnotationMethodHandlerAdapter.java:440) at org.springframework.web.servlet.mvc.annotation.AnnotationMethodHandlerAdapter.handle(AnnotationMethodHandlerAdapter.java:428) at org.springframework.web.servlet.DispatcherServlet.doDispatch(DispatcherServlet.java:919) at org.springframework.web.servlet.DispatcherServlet.doService(DispatcherServlet.java:851) at org.springframework.web.servlet.FrameworkServlet.processRequest(FrameworkServlet.java:953) at org.springframework.web.servlet.FrameworkServlet.doPost(FrameworkServlet.java:855) at javax.servlet.http.HttpServlet.service(HttpServlet.java:656) at org.springframework.web.servlet.FrameworkServlet.service(FrameworkServlet.java:829) at javax.servlet.http.HttpServlet.service(HttpServlet.java:737) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:229) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.web.websocket.server.WsFilter.doFilter(WsFilter.java:48) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.orm.hibernate3.support.OpenSessionInViewFilter.doFilterInternal(OpenSessionInViewFilter.java:230) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at org.springframework.web.filter.CharacterEncodingFilter.doFilterInternal(CharacterEncodingFilter.java:88) at org.springframework.web.filter.OncePerRequestFilter.doFilter(OncePerRequestFilter.java:106) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.ieccms.common.web.ProcessTimeFilter.doFilter(ProcessTimeFilter.java:35) at com.bes.enterprise.webtier.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:191) at com.bes.enterprise.webtier.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:162) at com.bes.enterprise.webtier.core.DefaultWrapperValve.invoke(DefaultWrapperValve.java:193) at com.bes.enterprise.webtier.core.DefaultContextValve.invoke(DefaultContextValve.java:92) at com.bes.enterprise.webext.BesContextCleanupValve.invoke(BesContextCleanupValve.java:50) at com.bes.enterprise.webext.BESAppservValve.invoke(BESAppservValve.java:41) at com.bes.enterprise.webtier.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:540) at com.bes.enterprise.webtier.core.DefaultHostValve.invoke(DefaultHostValve.java:136) at com.bes.enterprise.webtier.valves.ErrorReportValve.invoke(ErrorReportValve.java:77) at com.bes.enterprise.webtier.core.DefaultEngineValve.invoke(DefaultEngineValve.java:83) at com.bes.enterprise.webtier.connector.CoyoteAdapter.service(CoyoteAdapter.java:349) at com.bes.enterprise.web.crane.http11.Http11Processor.service(Http11Processor.java:594) at com.bes.enterprise.web.crane.AbstractProcessorLight.process(AbstractProcessorLight.java:61) at com.bes.enterprise.web.crane.AbstractProtocol$ConnectionHandler.process(AbstractProtocol.java:802) at com.bes.enterprise.web.util.net.NioEndpoint$SocketProcessor.doRun(NioEndpoint.java:1627) at com.bes.enterprise.web.util.net.SocketProcessorBase.run(SocketProcessorBase.java:45) at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149) at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624) at com.bes.enterprise.web.util.threads.WorkThread$WrappingRunnable.run(WorkThread.java:57) at java.lang.Thread.run(Thread.java:748) Caused by: java.lang.reflect.InvocationTargetException at sun.reflect.GeneratedMethodAccessor6174.invoke(Unknown Source) at sun.reflect.DelegatingMethodAccessorImpl.invoke(DelegatingMethodAccessorImpl.java:43) at java.lang.reflect.Method.invoke(Method.java:498) at freemarker.ext.beans.BeansWrapper.invokeMethod(BeansWrapper.java:912) at freemarker.ext.beans.BeanModel.invokeThroughDescriptor(BeanModel.java:275) at freemarker.ext.beans.BeanModel.get(BeanModel.java:182) ... 75 more Caused by: org.hibernate.ObjectNotFoundException: No row with the given identifier exists: [com.ieccms.cms.entity.main.CmsUser#293] at org.hibernate.impl.SessionFactoryImpl$2.handleEntityNotFound(SessionFactoryImpl.java:435) at org.hibernate.proxy.AbstractLazyInitializer.checkTargetState(AbstractLazyInitializer.java:189) at org.hibernate.proxy.AbstractLazyInitializer.initialize(AbstractLazyInitializer.java:182) at org.hibernate.proxy.AbstractLazyInitializer.getImplementation(AbstractLazyInitializer.java:215) at org.hibernate.proxy.pojo.javassist.JavassistLazyInitializer.invoke(JavassistLazyInitializer.java:190) at com.ieccms.cms.entity.main.CmsUser_$$_jvst840_6.getRealname(CmsUser_$$_jvst840_6.java) ... 81 more