Adding "Manufacturing Credit Loan" to boost high -quality development of manufacturing

Wenzhou Civil Business Bank adheres to manufacturing financial services as a long -term strategic focus, focusing on the innovation of small and micro financial products and services in manufacturing, and helps the manufacturing industry's high -quality development. The latest data show that as of the end of June, the balance of manufacturing loans of the bank was 5.118 billion yuan.

When visiting the Xiaowei Park of Longgang City, the bank learned that a packaging company in Longgang City urgently needed funds to purchase raw materials. After further understanding of the situation of the enterprise, it was recommended to apply for "credit security loan" to allow customers to "home" home "Turn loans at the entrance, business personnel came to collect information, overtime and sorted out the information, urgently applied for credit for customers, and paid for customers the day after successful credit. Since then, a total of 3 million yuan will be issued, which solves the topic of customers.

This is a scene of the small and micro enterprises of the service manufacturing industry.继去年推出以有形和无形资产为核心评估指标的“制造业全心贷”产品之后，今年该行进一步细化制造业金融服务重点客群，针对信用程度高、财务管理规范、经营状况良好、 "Light assets" customers with guaranteed cash flow have launched "manufacturing credit loans" products for its tailor -made products.

According to reports, there are three major features of "manufacturing credit loan" products: one is that there is no need to mortgage and guarantee, to crack the financing difficulties of small and micro enterprises; Demand reducing the financing cost of small and micro enterprises; third, the minimum annualized interest rate can be 4.5%. At the same time, various types of handling fees should be exempted from exemption, depletion of depletion, reducing profit, and actively promoting the development of the manufacturing industry.

In order to improve the quality and efficiency of financial services, three major measures have been adopted to help improve the success rate and coverage of manufacturing customers expand the success rate and coverage: improving accurate customer acquisition capabilities, simplifying processes and optimization services. Among them, the implementation of the "321" time -limited processing mechanism, that is, the business application with complete materials, in principle the investigation process must be completed within 3 working days, the approval process must be completed within 2 working days, the lending process must be on one working day on one working day End.

The bank specially formulated and improved the incentive mechanism of manufacturing loan assessment, and increased manufacturing loans and inclusive micro -loan. , Personal and other multi -level, multi -dimensional normalized credit incentive system arrangements, effectively mobilize service personnel to expand the enthusiasm of manufacturing loans; establish a statistical notification mechanism, and strengthen the monitoring and guidance of manufacturing loans.

In the next step, the bank will take multiple measures to continue to strengthen precise support for the financial field of the manufacturing industry, further give play to the important role of financial support for the high -quality development of the manufacturing industry, and better help the real economy development.

Correspondent Lu Jiao Zhang quietly

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