Guarantee corporate credit continuously -one of the reports of Zhejiang banking industry deepening the interim mobile fund loan service series reports

Editor's note: The epidemic should be defended, the economy must be stabilized, and the development is safe. Recently, the Zhejiang Banking Insurance Regulatory Bureau played the role of supervision and leading, introduced the policy to help enterprises, and promoted banking institutions to serve the overall situation of stabilizing the economic market. Loan models, improve credit funds and corporate production cycle matching, and achieve obvious results. To this end, the Science and Technology Financial Times launched a series of reports of Zhejiang Bank's deepening of the medium -term mobile fund loan service series, so stay tuned.

A few days ago, in the case of the lack of conventional real estate mortgages in Daochen Rural Commercial Bank in Daochen (Luzhou) Co., Ltd., in the form of a mortgage of enterprises, it provided enterprise -mortgaged mortgage -to -medium -term mobile funds loan credit credit for 10 million yuan. At the same time, 10 million yuan in credit loans for enterprises supporting policy guarantees, which effectively solves the operating dilemma brought about by the current tension of flow funds of the enterprise.

The company is a computer and communication -related electronic equipment manufacturing enterprise. Affected by the economic environment and preliminary epidemic prevention and control policies, the production raw materials of the main products of the enterprise have risen sharply in the past six months. In the short term of production costs, the growth of production costs has brought unprecedented flow of flow funds to the enterprise. The contract causes the mismatch of upstream and downstream funds. The current production funds space cannot meet the needs of enterprise orders, and enterprises are facing the risk that the order cannot be delivered on time.

Recently, the Zhejiang Banking Insurance Regulatory Bureau has established a "continuous loan+flexible loan" mechanism to use the medium -term mobile fund loan as an important measure to stabilize corporate credit. The banking institutions within their jurisdiction are required to continue to deepen the 1-3 -year mid -term mobile funds loan in accordance with the production and operation cycle of various enterprises to effectively meet the needs of the enterprise's reasonable interim flow funds. In combination with the actual situation, the Banking and Supervision Bureau of the China Banking Regulatory Supervision will include medium -term mobile funds loans into the toolbox for the help of enterprises to help the enterprise, and promote the use of medium -term mobile funds loans in the banking institutions in the jurisdiction, and stabilize corporate loans overdue.

Zhou, the owner of Yunda Express, was affected by the epidemic of the owner of the company. Essence In April, Zhou's 1.2 million yuan loan at the Shaoxing Branch of Taizhou Bank was about to face a expiration of the loan. After the staff of the bank learned the pressure and funding demand of the customer during daily contact and the transfer of loans, the bank staff quickly adjusted the customer's credit. On the basis of the original circular loan product of 500,000 yuan, the solution has remained unchanged, and the one -year loan of another 700,000 yuan is adjusted to two -year medium and long -term mobile funds loans to reduce the troubles of customers' annual loans. At the same time, Increase the customer's credit line of 300,000 yuan, and the total credit of the customer reached 1.5 million yuan. In addition, the bank's initiative to cut interest rate cuts, saving customers of 12,600 yuan a year, and effectively reducing customer financing costs, and further guaranteeing the normal operation of the customer's business.

The expiration of loans is the heart disease of many enterprises. Seeking the transfer of loans not only owed people's feelings, but also bear the cost of transfer. Under the influence of the epidemic, it is more difficult for corporate loans to loans, and the cost will increase. To this end, the Banking Insurance Regulatory Department at all levels guides the banking institution to deepen the steering mechanism and tools of tools, go all out to relieve difficulties, effectively reduce the burden on the enterprise, and allow the real economy.

A Zhejiang Applied Technology Co., Ltd. is a production and sales enterprise that is mainly engaged in a thin film morphological functional polymer material with adhesive as the core. During the visit, the Bank of Communications Jinhua Branch learned that the company's upstream and downstream funds had a long period of time. At present, after facing the problem of difficulty in operating funds, we will be connected as soon as possible to scientifically match the financing plan. The amount of 50 million yuan in the medium -term migrant funds loan amount, and successfully issued the first 10 million yuan loan at the end of May, eliminating the troubles of regular renewal and turnover of the enterprise and reducing operating costs. It is understood that the Bank of Communications Jinhua Branch implemented interest rate discounts for the interim loan of inclusive small and micro enterprises, with a minimum of 10 BPs from LPR, that is, an annual interest rate of 3.6%.

The relevant person in charge of the Bank of Communications Jinhua Branch said: "We will continue to actively implement a policy of stabilizing the economy, and to seize the difficult and pain points of the difficulty of the difficulty of the difficulty of the company, such as short financing period and high pressure on loan, and accurately implement policies around corporate needs. In one step, we will further optimize the structure of credit supply, increase the proportion and coverage of medium -term mobile fund loans, and focus on providing policies to manufacturing enterprises, small and micro enterprises, and individual industrial and commercial households. "

Reporter Zhao Qi Correspondent Yang Zijun

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