On January 28th, the first batch of credit funds from Sichuan Tianfu Bank to support the development of the company through the "Small and Micro Science and Technology Innovation Loan" arrived. The later deep cooperation will also provide continuous financial support for the new development of Sichuan Chemrun Pharmaceutical Co.
No winter will not pass, no spring will not come! 2020, in the face of the sudden rise of the new crown pneumonia epidemic, Sichuan Tianfu Bank took the initiative to take the role of actively involved in the prevention and control of the epidemic, to help enterprises to resume work and production, the "six stable" "six guarantee! "The year 2021 is the opening year of the "14th Five-Year Plan", and as always, Sichuan Tianfu Bank is concerned about small and micro enterprises, individual businessmen and other market players. As always, Sichuan Tianfu Bank is concerned about small and micro-enterprises, individual businessmen and other market players. We will continue to take measures to increase credit investment, reduce the cost of financing the real economy by all means, and continue to do a good job of "six stabilizers" and "six guarantees" to provide strong and effective financial support for accelerating the construction of a new development pattern.
Turning "crisis" into "opportunity": the output value is expected to break through from 20 million to 80 million
The R&D center of Sichuan ChemRun Pharmaceuticals is located in the Hi-Tech Zone, No. 88, Ke Yuan South Road, Tianfu Science Park. 88 Tianfu Science and Technology Park. Here is a national science and technology business incubator, only the park's C1 building is stationed in more than 100 biomedical technology companies. As a specially-appointed expert under the Sichuan "Thousand Talents Program" and an expert under the Chengdu "Talents Program", Tan Pingzhong leads his team to do R&D here, and the annual output value is maintained at about 20 million.
"I y feel the importance of not advancing is retreating, change is through." Tan Pingzhong talked about: "Now the company's development focuses on the transformation of technology, industrialization through the construction of a technology platform, is expected to be through the government, bank loans, equity, bonds and other modes of cooperation to allow the enterprise to drive into the fast lane of development. "Our partnership with Sichuan Tianfu Bank was established at this critical moment." Since then, Sichuan Tianfu Bank has been injecting liquidity into the enterprise through the issuance of the policy product "Small and Micro Science and Technology Innovation Loan".
Looking back at the development of the company in the past few years, he is very emotional, the company's rapid progress thanks to the government to provide various policies and the Sichuan Tianfu Bank financial support and injection of living water, the company's production value in 2021 is targeted at 80 million.
Sichuan Tianfu Bank is shortlisted for the Sichuan High-tech Industry Financial Service Center "Tianfu Science and Technology Innovation Loan" cooperative bank, "Tianfu Science and Technology Innovation Loan" is the Sichuan Science and Technology Department and the Sichuan Provincial Department of Finance for the province's inventory of science and technology-based small and medium-sized enterprises to launch a policy loan product, the Finance Department will be the first time in the province to launch a policy loan product. Tianfu Science and Technology Innovation Loan" is a policy loan product launched by Sichuan Provincial Department of Science and Technology and Sichuan Provincial Department of Finance for the province's registered science and technology-based SMEs, and the Finance Department will set up a risk fund and share 60% of the risk, so as to realize precise, differentiated and effective marketing for science and technology-based SMEs through the cooperation between the bank and the government and to solve the problems of expensive, difficult and ineffective financing for science and technology-based SMEs. As of the end of 2020, Sichuan Tianfu Bank has issued a total of 113,407,600 yuan of "micro science and technology innovation loan" products, the loan size of the beginning of the year, an increase of 123.9%.
Storing water to feed the fish: building a capital pool to help enterprises "bend the road to overtake the car"
Mr. Shang Jinchuan, general manager of Sichuan Haoxin Yisheng Science and Technology Company Limited, said: "Since the start of the business, I've only taken out two loans. Once because of the temporary turnover of funds with a mortgage way to get a bank's "business loans". This is the first time I applied for the 'government procurement loan', but also only the second loan experience. I didn't realize that Sichuan Tianfu Bank's process is so convenient, and also applied for 1.02 million as low as 4.25% interest rate concessions. In the course of this cooperation, greatly subverted the previous stereotypical impression of traditional banks with high interest rates, long approval times and low credit limits."
Sichuan Haoxin Yisheng Technology Co., Ltd. was founded in 2012, is a comprehensive company with the sales of medical equipments, instruments, medical consumables and medical services. Since its establishment, the company has been maintaining a healthy momentum of development. But at the beginning of 2020, when the company entered the fast lane of development, a sudden epidemic of new coronary pneumonia cut off the rapid growth curve that the company was depicting, "Doing our business is the most afraid of tight liquidity. First, the purchaser will agree on different payment methods in the contract, which will directly lead to a relatively long payment cycle. Secondly, we have to make timely payments to equipment manufacturers for equipment purchases. Some imported medical equipment because of foreign epidemics lead to the factory can not start on time, the product can not be delivered on time, accounts receivable can not be collected on time, so the company must reserve a certain amount of liquidity in case of emergency." Shang Jinchuan said.
The most important feature of the "government procurement loan" product is that small and micro-enterprise customers can apply for a working capital loan in Sichuan Tianfu Bank through the government's public bidding under the procurement of the notice of award or contract, up to a maximum of 10 million yuan for a single household. The "Government Procurement Loan" is a product of cooperation between Sichuan Tianfu Bank and the Sichuan Provincial Department of Finance. Through the tripartite cooperation between the bank, government and enterprises, it solves the problems of financing difficulty and financing price of small and medium-sized enterprises and technology-based enterprises through the ideas and modes of platformization, dataization and the Internet. As of the end of 2020, Sichuan Tianfu Bank's "government procurement loan" scale balance of 303,197,600 yuan, an increase of 224% over the beginning of the year."
Technology empowerment: to ensure that small and medium-sized micro in the "14th Five-Year Plan" a good start, a good start
In fact, the Sichuan Chemical Run Pharmaceuticals Ltd, Sichuan Haoxin Yisheng Science and Technology Co.
The sudden onslaught of the new crown epidemic in early 2020 has disrupted the lives of ordinary people and the pace of business for many companies. The government and relevant regulatory agencies have introduced a lot of policies to ease the pressure on enterprise funds, after learning that some SMEs face liquidity constraints when their loans are about to expire, Sichuan Tianfu Bank strictly enforces the People's Bank of China's deferred repayment policy, and takes the initiative to renew the loans for the enterprises, said the relevant person in charge of the Sichuan Tianfu Bank, "During that period of time, we carried out a one-by-one check to ensure that every A customer's loan to complete the renewal."
At present, Sichuan Tianfu Bank has realized the real estate center system docking in Chengdu, Nanchong, Guiyang, to realize the online mortgage registration; actively participate in the "silver tax interaction", take the lead to become the first city commercial bank in Sichuan Province and Sichuan tax data direct connection, not only to enrich the small and micro-enterprises of the big data wind control dimension, but also to enhance the online business processing capabilities. The company's business is also a major player in the market, with a strong presence in the marketplace.
In the opening year of the 14th Five-Year Plan, Sichuan Tianfu Bank has planned ahead, fully improved and utilized technologies such as face recognition, CFCA authentication, electronic contracts and electronic signatures, and relied on Tianfu Bank's mobile banking and cloud financial platforms to create "Panda Microfinance", "Panda Microfinance", "Panda Microfinance", "Panda Microfinance", "Panda Microfinance", "Panda Microfinance", and so on. "Panda Small Loan", "Panda Easy Loan", "Tianfu Huijia Loan", "YinTianTong", "Zhengcai Loan" and other universal credit facilities. "The online standardized product system of inclusive credit business helps small and medium-sized micro-enterprises to win the development in time and move forward by breaking the waves.