Affected by the epidemic, the production and operation of many small and micro enterprises have been affected in the past two years. In order to support the development of the real economy, the state has issued a series of policies to reduce the financing cost of enterprises.
Recently, the China Banking Regulatory Commission issued the qianjiang evening news, demanding to further improve the quality and efficiency of financial services, steadily increase bank credit and optimize the structure, and promote the reasonable reduction of comprehensive financing costs.
An important part of serving the financial real economy is to expand the coverage of inclusive finance. With a developed private economy and numerous small and micro enterprises, Zhejiang is the key service target of inclusive finance. In recent years, financial institutions in the province have continuously introduced inclusive finance products tailored for small and micro enterprises.
Take Hangzhou Branch of China Industrial and Commercial Bank as an example. By the end of March this year, the bank's balance of inclusive loans was 40.02 billion, an increase of 6.79 billion, and the number of inclusive loan customers was 65,438+6,000, an increase of 3,400. At the same time, the bank strictly implements the national policy of supporting small and micro enterprises, voluntarily exempts financing-related expenses such as mortgage evaluation, and implements a "zero" charging policy for small and micro enterprises.
Tax credit:
As long as the enterprise provides industrial and commercial and tax information, it can obtain the corresponding loan amount.
"Your loan is really a timely help. At a critical time, state-owned banks are very reliable. " Seeing old acquaintances visiting, Chairman Ping Liu smiled and shook hands with them.
My hometown is Ping Liu in Yueqing, Wenzhou, and I have worked hard in Hangzhou for nearly 30 years. At present, it operates two small and micro enterprises, which are engaged in the sales and maintenance of mobile phones such as Huawei and Apple, as well as space purification projects. "The business scope of the purification project is very wide, including medical purification projects such as hospital operating rooms and ICU, as well as the design and construction of clean workshops in electronic, pharmaceutical, food and cosmetics factories and various laboratories. It is currently involved in many provinces in China. "
Liu Pinghe and Hushu Sub-branch of ICBC became attached very early. /kloc-When the company was founded 0/6 years ago, he opened a company account there. After that, he made some accounts inside and outside the bank, but he never applied for a loan. "In the past, the company was small in scale and its cash flow was controllable. At most, I only borrowed a small amount of mortgage from some commercial banks. Many times, money is the safest in hand. "
The outbreak of COVID-19 virus forced Ping Liu to face new challenges. At the end of last year, the company won the bid for several projects outside the province. Commercial pressure was on the table long before Ping Liu was happy. "On the one hand, the prices of raw materials such as steel for purification equipment have skyrocketed, leading to rising costs; On the other hand, affected by the epidemic, workers can't go to work because of isolation. In some places, logistics is slow and the capital flow is difficult to change. "
At this time, Hushu Sub-branch of ICBC learned about the current operation of the enterprise according to the tax payment and capital flow. The person in charge of the marketing department immediately contacted Ping Liu and took the initiative to investigate and study in the company. Later, the vice president of Hushu Sub-branch also came to understand the situation of the enterprise. After many times of communication and evaluation, the bank staff introduced a product "tax loan" specially developed by ICBC for small and micro enterprises to Ping Liu: the corresponding loan amount can be obtained only by obtaining the business operation and tax payment data without any mortgage.
At the beginning of this year, Ping Liu applied for a 2 million yuan miniature enterprise credit loans for another enterprise, and the interest rate was also very low. "The staff of the bank told me that they also introduced' non-repayment of principal', which can directly renew loans without repayment of principal, thus solving the problem of capital cost incurred by enterprises in order to repay loans during this period."
Ping Liu said that he chose ICBC loan because he found that ICBC could respond positively to the national policy at the first time and really solve the difficulties of enterprises. "I hope that inclusive finance products of banks will be more diversified in the future.
In addition to the newly launched "tax loan" and other credit loans previously released online, Hushu Sub-branch of ICBC also launched a new product "Guodan Express Loan" in combination with the policy requirements of higher authorities. "Guodan Express Loan" is a cooperative project between China Industrial and Commercial Bank and State Financing Guarantee Fund Co., Ltd. According to the relevant standards in the Measures for the Administration of Express Loan Business, the scenes of tax loan, settlement loan, commercial loan, pan-transaction chain, tax payment and employment loan in the express loan business are brought into the "total-to-total" batch guarantee cooperation framework, or innovative scenes are signed with the "total-to-total" batch guarantee business of banks in Guodan system.
Thoughts on Hushu Sub-branch of China Industrial and Commercial Bank. As early as ten years ago, he opened a company account in Hushu Sub-branch. In recent years, although the company's office address has moved from Gongshu to Xiaoshan, the fate of both parties has always been linked. "They told me that at present, the state advocates inclusive finance to serve small and micro enterprises, and ICBC has also launched a' national fast loan', which can be applied online without mortgage, which is very suitable for us."
At the beginning of June 5438+ 10 this year, Chen Liang applied for a "national fast loan" of 2.95 million yuan through Hushu Sub-branch of ICBC, with a term of one year, which will be repaid with the loan. In order to help enterprises complete the loan application as soon as possible, ICBC staff took the initiative to come to help and complete the relevant application process through the online process. "The whole application process is online, and the interest rate is favorable from application to lending for about one week."
Since the outbreak of the epidemic, ICBC has implemented the decision-making arrangements of the CPC Central Committee and the State Council to support the development of small and micro enterprise customers with better, faster and more efficient inclusive finance services. Through special scale distribution, online standardized product promotion, financing renewal support for trapped customers, fee reduction and other policy support, we will establish a green channel for small and micro customers in the region, so that customers can help small and micro customers tide over the difficulties and fight the epidemic.
Related Q&A: What kind of financing does Hangzhou financing guarantee need? I know a financing company needs a guarantee, and the fee is reasonable. Related Q&A: "Macho fried rice" received nearly 10 million financing, and the first financing of domestic fried rice industry was born in Hangzhou. what do you think? The world of capital, the way of thinking and working in the field of capital should never be treated with the thinking in the field of product circulation! On 20 15 in Beijing, there was a fire called "Duckling". Everyone knows that Beijing is a holy place for roast duck! Selling ducks in Beijing, the competition can be imagined, but it is called a duck. This takeaway, no matter from brand tonality, spiritual symbols and advertising communication, constantly implies that handsome guys, what Beijing Gao Fushuai handsome guys drive BMWs to send ducks, and the golden collar CBD women circle, collectively welcome to call a duck! If it's a duck, the service is also divided into duck head style, all of which are gold medal men, sending ducks!
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