Open up the difficulty of financing, the pain point of the pain point of Heilongjiang Province's financial institutions multi

Small and micro enterprises are an important part of the real economy, but because individual industrial and commercial households and small and micro enterprises have the characteristics of small -scale, light assets, and weak anti -risk capabilities, it is generally difficult to financing and expensive financing. On the 17th, at the second press conference of the "Financial Assisting Enterprise Rescue Policy and Measures" held by the Provincial Government Information Office, our provincial financial institutions were full of sincerity and pragmatic measures to help individual business and commerce. Households and small and medium -sized enterprises relieve operating pressure and reduce financing costs.

Luo Fei, deputy president of the Bank of China Heilongjiang Branch, said that for individual industrial and commercial households and small and micro -enterprise owners, the bank has launched a variety of online and offline business loan products, which can solve the problem of financial difficulties they encountered in operations. Essence If individual industrial and commercial households and small and micro -enterprise owners need credit loans, China Bank can provide customers with pure credit and unsecured loans. Loans are used to turn on funds related to the main business. Provide 1 million yuan amount.

"As early as May, we signed an agreement with the Municipal Federation of Industry and Commerce to carry out financial services to more than 20,000 inclusive small and micro enterprises; improved the active credit, no repayment loans, and loan and other loan products. The city stabilizes and stabilizes the loan business. "Ding Wumin, president of the Harbin Branch of Industrial Bank, said that the bank continued to promote small and micro enterprises such as" Fast Easy Loan "," E ticket loan "," Fast Retain "," Contract Loan "," Management of Xinglin Loan " Online financing products improve the convenience and accessability of small and micro enterprises.

"We have set up the" Stable Economy and Bao Daoli Leaders' Class "to strengthen the top level of financial services for small and medium -sized enterprises." Hao Songyan, deputy president of Heilongjiang Branch of Industrial and Commercial Bank of China, first, the bank improved the approval of the credit business. Efficiency has increased the authorization of the small and medium -sized WeChat business of the secondary branch, sinking the approval level, and shortening the approval chain. Secondly, establish a fast docking and first -in -question responsibility system, and clearly require the docking of inclusive financial services within 12 hours to confirm the receiving acceptance, the feedback of the scheme within 24 hours, and the detailed operation guidance within 36 hours. For online business, customers can submit financing applications online through product demand registration books, corporate WeChat, online banking and other platforms to achieve rapid docking.

Liu Chang, the person in charge of CITIC Bank Harbin Branch, said that CITIC Bank has formulated 29 work measures to implement the economic market. According to the unified deployment of the head office, branches have seriously implemented the policy measures of Heilongjiang Province's solid and stable economy. The anchoring key areas of the real economy and key industries that help enterprises help the rescue. From the aspects of strategies, mechanisms, resources, products, management, etc., we will take multiple measures to support the steady growth of market entities.

Recently, the three ministries and commissions of the People's Bank of China, the Ministry of Science and Technology, and the Ministry of Industry and Information Technology issued a 200 billion -re -loan policy to support banks to issue preferential loans for science and technology enterprises. All financial institutions in our province have also improved the breadth of services and help the development of scientific and technological enterprises in helping enterprises' rescue measures.

According to Luo Fei, after the introduction of the science and technology re -loan policy, the Bank of China Heilongjiang Branch organized a special class to conduct in -depth research on the policy and formulated specific implementation measures. The special marketing activities of the "Specialty New Inclusive Bank" were carried out throughout the bank, and the list of more than 500 science and technology re -loan projects that had been sorted out reached the grass -roots bank and carried out "carpet" docking. At the same time, the green approval channel for science and technology re -loan support projects with express reports, fast review, fast approval, and fast release support projects.

"Due to the large number of scientific research funds, even if the R & D successfully formed patent rights is also included in non -cash assets, enterprises can obtain loan capacity and be greatly underestimated." Ding Wumin said that in order to solve this problem, the Promotion Bank General Office launched the launch of this problem. The "technical flow" exclusive evaluation system realizes the precise portrait of science and technology innovation enterprises. The essence of the evaluation system is to cash out the non -cash assets of science and technology innovation enterprises, thereby increasing the accessibility of corporate loans.

Source: Heilongjiang Daily

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