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老河口支行审时度势,把发展以个人门面房抵押贷款为主的个人经营贷款作为突破口,大胆创新实践,在该市金融系统首推个人门面房抵押贷款业务,取得了显著的成效。截止今年4月底,该行累放贷款2805万元,累收1617万元,到期贷款收回率100%,贷款收息率达6.82%;并通过发展个人业务,2001年末直接拉动个体经营户存款2000多万元,占当年该行新增储蓄存款的29%;同时通过率先开办个人门面房抵押贷款业务,一定程度上解决了个体经营户的“贷款难”问题,得到了地方党委、政府和个体私营客户的好评,在2001年该市人大、政协组织的100多家窗口行业综合评议中,农业银行以高
Laohekou Sub-branch reviewed the current situation and made breakthroughs in the development of personal business loans based on personal front-facing mortgages, boldly innovated practices and achieved remarkable results in the first mortgage front-facing mortgage business in the city’s financial system. As of the end of April this year, the bank accumulated loans of 28.05 million yuan, accumulating 16.17 million yuan, the loan recovery rate of 100%, loan interest rate of 6.82%; and through the development of personal business, by the end of 2001 direct drive individual deposits Accounting for 29% of the new savings deposits of the bank in the same year; at the same time, by taking the lead in opening up the personal front-facing apartment mortgage loan business, the problem of “loan difficulty” of self-employed households was solved to some extent and the local party committees, Government and individual and private customers praise, in 2001 the city People’s Congress, CPPCC organized more than 100 window industry comprehensive evaluation, the Agricultural Bank of China to high