Not only the icing on the cake, but also the charcoal in the snow

It is maintained at a cool warehouse of 10 ~ 20 ° C all year round, clean and dust -free ground, and various types of medicines are placed in order. The staff is consigning the goods in an orderly manner.

This pharmaceutical company located in the Hanyang Golden Park Industrial Park has been established for nine years, and has embarked on the fast track of development in recent years.

"Warehouse reconstruction, equipment upgrades, logistics distribution, etc., all need funds. This way, it is inseparable from the support of Minsheng Bank." Speaking of Minsheng Bank, the company's chairman Xu Chengzhi is grateful.

The reporter learned that under the deployment and guidance of the Wuhan Branch of the People's Bank of China, Wuhan Branch of Minsheng Bank adheres to the actual economy under the deployment and guidance of the Wuhan Branch of the People's Bank of China. In the work, take the initiative to make various relief measures come to the ground, and start to meet the diverse business needs of customers at multiple angles, and conscientiously answer the financial answer sheet of "fully helping the enterprise to relieve the economic market" power.

Reduce burden and savage and protect the small "lifeline"

"I used to think that the bank could only do the icing on the cake, but through the cooperation with Minsheng Bank, I changed my understanding of the bank. Minsheng Bank provided accurate assistance to small and micro enterprises. Xu Chengzhi, chairman of Jiuzhou Health Medicine Co., Ltd., lamented in an interview with Jiomi Journalists.

According to reports, Hubei Jiuzhou Health Medicine Co., Ltd. was established in January 2013. It is a large -scale comprehensive commercial enterprise specializing in drugs, health food, medical device wholesale, and distribution. The company's sales outlet focuses on the medical terminals mainly covered with the secondary hospital, township hospitals, community health service centers, and individual clinics.

"At the beginning of the company's establishment, it encountered financing problems. Generally speaking, without two years of financial statements, banks could not provide mortgage loans." Xu Chengzhi recalled that at that time, Minsheng Bank applied for the company to apply for "legal person credit "Loan", the approval quota reached 2.4 million, helping it to pass the difficulty. In 2018, due to the actual business needs of the company, it was adjusted to an flow loan of 1.97 million, and the credit loan was converted to 2.27 million acceptance loans. "We can pay acceptance upstream, and Minsheng Bank can also issue acceptance. In this way, it can save 8%of bank interest in a year, which is equivalent to 180,000 costs."

Affected by the epidemic in 2020, there was a problem with the company's capital chain. Minsheng Bank learned of this situation and took the initiative to apply for a non -repayment loan for the company. "According to the normal process, it takes more than a month to apply for renewal. Applying for renewal on the Internet directly, ensuring the smooth capital chain. "

The staff of Minsheng Bank introduced Xu Chengzhi to introduce relief and discounted policies

To solve the problem of survival in small and micro enterprises, the Wuhan Municipal Government launched a rescue discount policy, Minsheng Bank actively conveyed this preferential policy, assisting the company to complete the one -stop service process from loan applications and discount applications to discounts issued. "Really It is worry -free and efficient. "Xu Chengzhi said." Although they encountered some difficulties, they also felt the care of the government and banks for small and micro enterprises. As a pharmaceutical company, we will also give back to the society to contribute to the economic development of Hubei. "

The reporter learned that Minsheng Bank Wuhan Branch actively cooperated with the government to carry out publicity and discounting publicity to help small and micro enterprises enjoy policy dividends. According to statistics, the bank has passed the Hangrongtong Platform for a total of 2,600 small and micro enterprise customers to handle 3935 discount appropriations, with a discounted amount of 126 million yuan.

Financial "cloud" support improves financing efficiency

"I didn't expect that it took only two days from online application to lending. I can't believe that mortgage loans can be so fast." Ms. Chen's mention of the funds can not help but be efficient for Minsheng Bank's efficient small and micro small and micro. The financing service thumbs up.

When I learned that Ms. Chen's enterprise encountered financing difficulties, the customer manager of Minsheng Bank recommended Ms. Chen's "Cloud Fast Loan" product for Ms. Chen as soon as possible, and guided Ms. Chen to complete online applications in 5 minutes. The loan approval of 1 million yuan was completed, and the second day of the mortgage was completed, the urgency of Ms. Chen's urgency, and provided a strong guarantee for the smooth operation of the enterprise.

Small and medium -sized enterprises are the main forces of "six stability" and "six guarantees", and the timeline is often the "lifeline" of the enterprise. Minsheng Bank Wuhan Branch open up online channels, set up special green approval channels, simplify approval systems and processes, realize minimalist applications for small and micro loans, online approval, and improve the efficiency of small and micro financing. "Yun Kuai Loan" is the online financing product of Minsheng Bank for small and medium -sized enterprises, which can enable small and micro enterprises to enjoy convenient loan services and reduce financing costs. "For customers with good credit, we generally use the customer's operating situation and actual use of money to match a 'micro -loan' or 'value -added loan' for customers to pay back to prepare from time to time. It provides not only a loan for small and micro customers, but also a comprehensive financing solution. It can meet the capital needs of small and micro enterprise customers through the "mortgage+credit" model. "The relevant person in charge of Minsheng Bank introduced Essence

Open the small and micro financing "stalk block" to improve the availability of small and micro loans. Minsheng Bank has always put financing product innovation and process optimization. High -quality development. In addition to Yun Fast Loan, Minsheng Bank also vigorously promotes small and micro customers to promote the renewal service without renewal services, which truly alleviates the temporary capital turnover pressure at the expiration of small and micro enterprises. During the prevention and control of the epidemic, the "self -service transition period" function was launched. Customer loans can be processed online through mobile banking before expiration, and "no renewal loans" can be completed without leaving home.

Personally connected to focus on key industries to relieve rescue

Cultural tourism, zero -residence meals, transportation and other industries have greatly impacted the epidemic, and they are most eager for policy support. In accordance with the list of key bailout companies issued by the Wuhan Branch in May, Minsheng Bank Wuhan Branch arranged a person to do one -on -one docking one -on -one households to establish a system of responsible persons.

The bank actively responded to the reasonable extension of repayment needs of the client affected by the epidemic, and supported the trapped customers through the difficulties. According to the actual situation of the trapped customers, the targeted adopting exhibition period, adjustment of repayment plans, and exemptions to support enterprises, individual industrial and commercial households, and consumer loan customers to resist the impact of the epidemic.

In July of this year, Minsheng Bank released the "Twenty of the People's Republic of China", and launched 5 aspects of 20 small and micro enterprises to relieve difficult measures to implement the small and micro development of inclusive small and micro. It is firm to serve the real economy and make breakthroughs in the development model of small micro -finance, so that small and micro financing is no longer difficult. Minsheng Bank Wuhan Branch will always practice the corporate mission of "serving the public and feelings of people's livelihood", gather "people's life water", moisturize small and micro enterprises, irrigate the real economy, through continuous innovation of financial products, broaden service channels, and tilted resource allocation. Provide professional and high -quality financial products and services to large, medium and micro enterprises, and contribute people's livelihood for the high -quality development of Hubei economy and society.

Jimu News reporter: Xu Wei

Correspondent: Li Jingyan Cui Kejing

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