The banking service sample is delivered in the snow: "CCB Blue" injects the financial "living water" into the enterprise

Our reporter Zhang Zhiwei, a trainee reporter Yang Jie

"Affected by the epidemic, many companies around us have problems with the operation week. We are very lucky to understand the" Hui understanding you 'of CCB, quickly get financial support, solve a major problem, and sincerely thank you. "For many small and medium -sized enterprises. Financial is no longer the concept of cold, but the existence of "moisturizing and silent".

At present, the epidemic is not over, the internal and external environment is complicated, many enterprises are facing difficulties, and production and operation activities are difficult to carry out smoothly. Serving the real economy is the duty of banks, and the role of financial "blood" and "living water" is increasingly highlighted.

In the first quarter of this year, various policies continued to stabilize their efforts, and the effectiveness of serving the real economy was obvious. In terms of reducing corporate financing costs, data from the CBRC show that the interest rate of newly issued corporate loans and inclusive small and micro enterprise loans in the first quarter decreased by more than 0.2 percentage points from the beginning of the year. At the same time, the total amount of credit investment and credit structure continued to optimize, and the extension of the repayment of the principal and interest of small and medium -sized enterprises and foreign trade enterprises exceeded 6.6 trillion yuan, which relieved the liquidity difficulties of the enterprise.

In terms of escorting the national economy, a warm "CCB Blue" has always fluttered on the front line. Since its establishment in 1954, the Construction Bank has resonated with the same frequency as serving the country's economic construction, and has always kept in mind the "big of the country." Construction Bank actively introduced 23 measures to help enterprises at a critical moment, fully maintaining the overall situation of the "six guarantees" and "six stability", and having a difficult time with market players to continuously explore and improve financial solutions to solve social pain points.

The word "pass" is tightly:

Open traffic logistics arteries

Freight logistics is the "last mile" to ensure the people's livelihood. Affected by the epidemic situation before, we have strengthened the control measures for highways in many places. The freight logistics in some areas are not good, and the production and operation of enterprises and consumers are limited.

Mr. Li and his wife have been engaged in the logistics and transportation industry for more than ten years in Foshan, Guangdong. Huangqi Jianqiang Logistics Service Department of Lizhen. However, due to the impact of the epidemic and other factors, the freight driver has become very difficult to get out of the car, the logistics costs are continuously improved, and many of the companies' freight orders dare not pick up at all.

After visiting the business of the Dali Branch of Foshan, CCB Foshan, after visiting the business of Mr. Li and his wife, it immediately used CCB's inclusive financial products to help them issue a credit loan of 440,000 yuan, and provided the enterprise with the "reduction of charges to make money" policies. The discount of 3.85%of the loan interest rate, supporting enterprises through the "benefit you" APP online "return and repay", effectively reduce the financing cost of the enterprise and help enterprises operate turnover.

"This money can be said to be our saving money for transportation. Thanks to the bank." After getting the loan of CCB, Mr. Li re -ignited his hope, and the freight order on his hands also settled.

In fact, such a story is only a microcosm of the financial stability of the CCB Guangdong Branch. According to the reporter, as of the end of March, the CCB Guangdong Branch had accumulated more than 1,300 logistics and transportation companies to issue more than 650 million yuan in financial loans.

According to the person in charge of the relevant departments of Construction Bank, in order to thoroughly implement the supervision requirements and earnestly do a good job of financial support for freight logistics and protection, the Construction Bank attaches great importance to accurate policies, increases credit investment, assists key groups, improve service efficiency , Strengthening product innovation, strengthening insurance protection and maintenance of credit security, etc., and other aspects of seven aspects, etc., provide work requirements. For freight logistics enterprises, providing simplified credit access, extension of small and micro enterprises and wide -term period, credit approval green channels, professional research and other guarantee measures; for truck drivers, provide convenient online comprehensive financial services, adjust personal loans and credit cards also Model arrangements, implementation of credit protection protection measures. At the same time, the Construction Bank played the coordinated advantages of the mother and subsidiaries, fully ensured the efficiency of the emergency service of insurance claims, actively investigated the insurance logistics enterprises and employees' insurance, and actively allocated relevant insurance products.

Focus on the word "Chang":

Platform "blood transfusion" steady chain chain

The smooth operation of the industrial chain supply chain is of great significance for winning the prevention and control of the epidemic and unblocking the national economic cycle.

The person in charge of the relevant departments of Construction Bank stated that for the "23 Finance Articles" clearly requires key areas and market entities that have strongly supported strong support, the construction bank's online supply chain financial services provide "lubricants" for the "blocking point" enterprises on the industrial chain as the "lubricant" for the "blocking point" enterprises on the industrial chain. The "breakpoint" enterprise provides "connecting agents", opens out the breakpoint, eliminates pain points, and helps the upstream and downstream development of the industrial chain.

A group Co., Ltd. is a member of China China Railway Co., Ltd. China Railway Co., Ltd. in China. Among the company's upstream enterprises, there are a lot of small and medium -sized suppliers such as materials and labor services. In order to solve problems such as difficulty in financing and financing of small and medium -sized enterprises, the construction bank Changsha Tieyin Sub -branch used the network supply chain "E Xintong" operated by the entire process line. Yuan.

In response to the characteristics of large settlement amounts and long cycles, CCB Hunan Branch customized the "one chain and one strategy", which effectively solved the pain points such as the pressure on the payment of construction enterprises. As of the end of April this year, the bank has cultivated 48 core enterprise scenarios of the construction industry, using digital tools to dig a submarine chain business opportunities, penetrate through the industrial chain to reach the bottom small and micro customers, and expand more than 1,900 chain customers. Chain customers have a total of over 3.8 billion yuan in financing; inclusive financial balances reached 7.2 billion yuan, and 2,585 inclusive financial customers were put in this year. The "Fourteenth Five -Year Plan" outline proposes to "promote the manufacturing industry to make up the chain and strengthen the chain" to maintain the safety and stability of the industrial production and supply chain and the industrial chain.

In order to support the development of the real economy in Shanxi, the CCB Shanxi Branch innovated CCB's network supply chain products for the solution of upstream and downstream enterprises on the supply chain. Supported by high -quality enterprises in the province, providing financial support for its upstream and downstream enterprises, and providing new kinetic energy for Shanxi's economic development through strong chain supplementation. As of the end of May, the CCB Shanxi Branch has accumulated a total of 1.44 billion yuan in network supply chain business for 361 chain companies, which has accumulated too heavy shares, and 1 billion yuan in network supply chain business for eight chain companies that control power. A stroke of funds support the operation and development of large enterprises, ensuring the stable development of the regional economy.

"In order to fully guarantee the security and stability of the supply chain industry chain, the leading enterprise of the manufacturing industry will tailor the comprehensive financial service plan of the industrial chain. Introduction, the bank focused on the key projects and regional investment promotion projects in Qingdao in 2022, exerting traditional advantages, and strongly supporting urban renewal and urban construction and the construction of major projects, people's livelihood and infrastructure fields in real economy. 47.7 billion yuan, an increase of 10.2 billion yuan from the beginning of the year; cooperation with 33 new infrastructure companies, credit balance is 4.247 billion yuan.

Surrounded by the word "compound":

Precise relief to help enterprises cross difficulties

If the production is stable, the enterprise is stable. How to better support the orderly production of enterprises while doing a good job of preventing and controlling the epidemic? In the face of the impact of the epidemic, how to help difficulties in difficult companies through difficulties?

Construction Bank's head office and branches actively carry out the responsibility of state -owned banks, actively support the rescue difficulties of market players, and transform financial water into the "epidemic" and help the enterprise to help the enterprise.

The relevant person in charge of the CCB Suzhou Branch told reporters that for small and micro enterprises with inclusive small and micro enterprises, especially the affected by the affected by the epidemic, but continued to operate and the willingness to repay, it provides renewal and extension methods to help help help The company has passed difficulties. Among them, for the qualified existing mortgage fast loan customers, there is no repayment of renewal services, no need to return the principal, and the loan is easily renewed. "For customers such as inclusive online loans expired from April 1st to June 30th, 2022, we provide postponed support in accordance with the principles of marketization. The extension period is 3 months, and credit reporting is provided during the extension period."

Suzhou Xiechen Optoelectronics Technology Co., Ltd. is located in Weitang Town, Xiangcheng District. Affected by the epidemic, the company's recent financial chain is tight. What is even more worried about the business owner is that the 1 million yuan small and micro loan applied for the CCB three years ago will expire. After fully understanding the actual situation and needs of the enterprise, the CCB Suzhou Xiangcheng Sub -branch handled it with no repayment loan.

In order to ensure the continuous files of financial services during the epidemic, CCB Henan Branch innovative service model provides online and offline integration financial services. Fully deploy and promote online services. Through a series of posters, we will strengthen online banking, mobile banking, Jianrong Zhihe "Enterprise Online Management Toolbox", ERP Cloud Platform, and Network Supply Chain to provide enterprises to provide enterprises with Payment settlement, agency deduction, financing and wisdom and other online and offline integrated financial services to meet the needs of customers during the special period.

According to the person in charge of the relevant departments of the CCB Henan Branch, since May, the bank has launched a total of 35 online supply chain loans, a total of 59.6 million yuan to play online channel advantages to ensure the normal operation of financial services, and help 3 key building categories of central enterprises. Enterprise resume work.

Focus on the word "steady":

Multiple measures and stabilize the basic market for foreign trade

Lack of funds, loss of orders or unable to deliver, high cost of freight and raw materials ... In the face of a series of challenges, some foreign trade companies are "stressful." In this regard, the national level has repeatedly emphasized that financial institutions should increase their support for small and medium -sized foreign trade enterprises and stabilize the basic market for foreign trade.

Honghekou is an important port of Yunnan's trade with Vietnam. Local foreign trade enterprises are affected by the timeliness of the goods clearance of goods. The receipt of foreign trade is delayed. The occupation of funds seriously affects the normal operation of the enterprise. CCB's Yunnan Branch linkage cooperation unit has conducted field surveys many times to Hekou area. Essence

In order to solve the pain points of the small foreign trade small and micro enterprises in Yunnan Province and the difficulty of capital turnover, the CCB Yunnan Branch provided the "cross -border fast loan" series of products to provide small trade small and micro enterprises with "one touch for a minute to get a half" online online online online. Credit service experience, improve the convenience of corporate cross -border financing. At present, it has provided more than 114 million yuan in financing support for 59 small and micro foreign trade enterprises in Yunnan Province.

At present, the management of exchange rate risk management has become a compulsory course for the steady operation of foreign trade enterprises.

CCB Xiamen Branch has organized more than 10 SMEs forum this year to visit more than 80 enterprises to help companies improve exchange rate risk management; through continuous optimization of online systems, promote online banking and sales, interconnection platforms, and small and micro fast easy easy The products are popular; relying on digital business thinking and fintech, we use "intelligent investment advisory" and innovative products "Hui Market Huitu", etc., and focus on improving the comprehensive financial service capabilities of foreign trade enterprises. In addition, the price discounts of small and medium -sized customers are generally given to small and medium -sized customers, allowing eligible small and medium -sized enterprises to occupy the credit line only when conducting derivatives transactions without paying a deposit, reducing the pressure of corporate funds. Since 2021, the number of small and micro -sets of small and medium -sized sets of CCB Xiamen Branch has increased by 22%year -on -year, and the number of online small and medium -sized customers accounts for 65%. The price concession for the settlement and sale is that the small and medium -sized enterprises allow the profit to exceed 80 million yuan.

CCB Jiangsu Branch has focused on the development direction of new trade formats, exerts the advantages of fintech, tailor -made innovative products for the new scene and new model, continuously enrich the cross -border e -commerce financial service system, and fully release cross -border e -commerce stabilizing foreign trade momentum. The person in charge of the relevant department of the bank said "will rely on the advantages of the full license to provide one -stop full -chain financial services for cross -border e -commerce companies, covering the fields of basic settlement, investment financing, exchange rate management, global matching, digital exhibitions and other fields to help cross -border cross -border border The brand of e -commerce companies go to sea, drives the transformation and upgrading of traditional industries, and realizes the conversion of new and old kinetic energy for foreign trade. "

The word "guarantee":

The main body of the market "Qingshan is often in"

Affected by the epidemic, the production and operations of all walks of life have been affected to varying degrees, and small and micro enterprises are facing many challenges. Construction Bank fully implemented the relevant deployment of the Party Central Committee, the State Council, and the regulatory authorities on the development of inclusive finance, promoted the inclusive financial strategy, continued to increase the inclusion of inclusive financial credit, and used high -quality inclusive financial services to resolve the market entities. Helping enterprises to cultivate internal vitality and difficulties with enterprises.

Small and micro enterprises have high time and frequency requirements for credit funds. During the epidemic period, how to open up the "last mile" of small and micro enterprises financing is an important issue that financial institutions need to pay attention to.

"Based on the changes in the loan market quotation interest rate LPR, our bank dynamically adjusted the new loan interest rate to small and micro enterprises, individual industrial and commercial households, expanded the loan price authorization of branches. , Actively bear the mortgage assessment fee, insurance premiums, mortgage registration fees for mortgage loans, continue to do a good job of cutting and fees for small and micro enterprises, individual industrial and commercial households, further compress the number of fees projects, and reduce the cost of corporate financing. "Relevant departments of Construction Bank are responsible for the responsibility According to people, in the first quarter of 2022, the interest rate of inclusive loans was issued by 4.11%, a decrease of 6 basis points from the beginning of the year, and realizing the steady cost of comprehensive financing of small and micro enterprises.

In 2017, 29 -year -old Sun Hao was introduced to return to China as an overseas high -level talent for nine years of studying biopharmaceuticals. Later, Nanjing Kangzhou Medical Technology Co., Ltd. was established to develop in the direction of polypeptides. CCB Jiangsu Branch has a rapid matching of 5 million yuan in credit loans for its innovation category, and accompanies the company to walk through the "cold winter" to usher in a rapid growth period. Kangzhou Medicine has now become a listing holder (MAH) research institution in Jiangsu Province who has obtained a drug production license through on -site inspections. It has obtained qualifications such as national high -tech enterprises and Jiangsu specialized specialty new giant enterprises.

In the 3,000 kilometers, the Tibetan Yulong Copper Mine, a green environmentally friendly new energy pure electric mining vehicle on the snowy plateau, adding a bit of technology to this extremely cold and large temperature difference. These new energy mineral vehicles are not only energy saving and high safety, but also transportation costs are only 1/4 of fuel vehicles. Its "behind -the -scenes hero" is a new energy charging pile produced by Jiangsu Zhiwu produced.

"Over the years, Zhilu Vision R & D has been the" lifeline 'of the company', which has successively invested 16 million yuan in R & D costs, and has 22 practical new patents and 14 software copyrights. " Knowing that the "Yunzhi Loan" product launched by CCB, there is no need to be mortgaged. With the company's intellectual property patent, it can be loan, so he submitted an application. A week later, he applied for a loan of 1.5 million yuan applied for in CCB's "Hui Kai You" APP.

It is understood that "Yunzhi Loan" is an innovative financing model of CCB Jiangsu Branch and a good -growing technology -based SMEs launched on the first loan product of intellectual property pledged online loan products. Up to now, the bank's entrepreneur Harbor Flagship Store has more than 800 companies on the offline and offline "entering the bay", providing enterprises with credit support of 450 million yuan, and comprehensively empowering science and technology -oriented SMEs to grow into "towering trees".

Construction Bank uses "Entrepreneur Harbor" as a carrier to create a small and micro enterprise entrepreneurial innovation incubation platform, connect various resources, and provide panoramic -looking, loan support, investment and loan linkage, entrepreneurial counseling, business opportunities such as investment and loan The service of the full element and the life cycle, protect the innovative and entrepreneurial enterprises, and allow the science and technology achievements to "enter the sea".

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