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Original Title: Rapid Growth of Local Financial Organizations in Xiamen City Frequently Highlighted Source: Xiamen Daily
Xiamen Local Finance Association actively performs its functions to promote the healthy development of local finance organizations in our city. The image shows the opening ceremony of the constitution of the professional committee of the commercial factoring industry in our city in November of this year. (Provided by the Municipal Financial Supervision Directorate)The Local Finance Regulations of Xiamen Special Economic Zone will be officially implemented on January 1, 2021, which is of great importance to further promote the rapid and healthy development of local financial organizations in our city. According to the relevant head of the Municipal Financial Supervision Directorate, at this stage, the local financial organizations of our city have demonstrated their own characteristics in product development, service optimization, innovation and development, risk prevention and control, and self-discipline of the industry, and they are continually helping us. The city’s business development and local economic construction give impetus.
Keeping up with market demand, innovative products and sophisticated services
In recent years, our city’s local financial organizations have focused their efforts on market development and product innovation, combined with the characteristics of local industrial development and strategic development orientation, and have launched many specific products. Among them, the financing guarantee industry in our city has launched special products such as “science and technology guarantee”, “agricultural guarantee” and “foreign trade guarantee”, with a focus on scientific and technological innovation, agriculture, financing of the foreign trade, etc., and launched a complete life cycle according to the development characteristics of the different life stages of science and technology companies. Services; During the new corona pneumonia epidemic, a financing guarantee company in our city innovatively launched a “rescue loan” to solve the financing needs of some small and micro businesses with special circumstances; On the basis of good risk control management, our city microfinance company realized “The process is simple and the distribution is fast.”
It is understood that the local financial entities of our city are actively dedicated to innovation and promote the improvement of efficiency. A certain local trade place in our city applied blockchain technology to optimize financial asset transactions, and the related application received the award “Ten Best Cases of Financial Innovation in Fujian Pilot Free Trade Zone”; Last year, the blockchain system launched in this trading venue can realize rapid asset activation. Obtained the “Second batch of records of the national blockchain information service” issued by the National Cyberspace Administration of China.
At the same time, the local financial organizations of our city were actively integrated into the general situation of “capturing investment promotion and promoting development”, led by leading companies, and continuously optimized their business models. “Since last year, a number of online financing guarantee companies landed in Xiamen, injecting fresh blood into the city’s financing guarantee industry, expanding inclusive benefits coverage and improving service efficiency,” the relevant person in charge of the Municipal Financial Supervision Office told reporters.
Benchmarking industry-leading risk control and self-discipline with both hands
In recent years, our city’s local financial organizations have actively aligned themselves with the industry’s leading level and continuously improved in terms of standardized governance, compliance operations, and risk prevention and control, which have been recognized by all stakeholders. sectors of society. It is understood that in 2018, two microfinance companies in our city won the “National Excellent Microfinance Company” and became one of the few companies promoted in the province; microfinance company 2018 was launched in Fujian Provincial Local Financial Supervision and Administration Bureau In the evaluation of companies, the evaluation results of 14 small credit companies in our city were all higher than good and the evaluation results out of 7 small credit companies were excellent, representing 36.84% of the province.
Currently, the local financial organizations of our city have achieved a series of results in phases in the management of self-discipline and the management of risk control. Since its inception two years ago, the Xiamen Local Finance Association has been actively playing its role in industry service, coordination and self-discipline. Almost 200 local financial organizations have joined the association. From August to September this year, the pawn industry, the small loan industry, and the self-discipline and punishment conventions of the financial guarantee industry formulated by the association were successively issued and implemented. Not only that, the association continues to explore the model of “promoting development through self-discipline” and promotes the innovation of local financial formats by formulating industry standards and strengthening the disclosure of information, which have received positive responses from companies in the industry.
In addition, the local financial organizations of our city have continuously improved the corporate governance mechanism, consolidated the basis of internal control and improved risk management. In recent years, local financial organizations have attached great importance to data accumulation and value mining, exploring the construction of a new risk management model of “online and offline integration”, “man-integration” machine “and” pre-event process control, middle after the whole process “to continuously improve risk management and business The corresponding degree of product development and innovation. (Reporter Yan Mingjun, correspondent Zheng Zhengrong and Wang Lili)
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