Why can these bank services be recognized by Hangzhou small and micro enterprises?

Economy is the body and finance is blood. How to make financial blood flow through every inch of body and benefit every industry is a question that financial institutions need to focus on cracked. Under the epidemic, the tourism industry, planting industry, and clothing industry have been impacted, especially some farmers and individual operators, which are particularly difficult this year. In the face of these situations, Hangzhou financial institutions continue to increase the support of the industry through the development of new industry loans, or add no repayment loans and interest rate cuts to the original loan products to help rural growers and urban individual operators overcome obstacles.

The principal returns to the new loan interest rate to drop a little bit later

Chun'an Rural Commercial Bank's financial services were sent to the lottery of Liannong.

Tourism and homestays are Chun'an key industries. At present, there are more than 1,000 homestays in Chun'an County, and most of the local tourism economies occupy most of the local tourism. In 2017, in order to encourage local people to transform private houses into homestays, Chun'an Rural Commercial Bank tailored "Xiushui · B & B Loan Loan" for local residents to help the homestay operator solve supporting funds.

However, since this year, Shanghai's important sources of tourists have been affected by the epidemic, and the number of tourists has fallen. How to help the bonito through the difficulty, Chun'an Rural Commercial Bank has continued ideas.

It is understood that on the one hand, Chun'an Rural Commercial Bank has no repayment of renewal and interest rate cuts through the "homestay loan" to ensure that the capital chain continues and the cost of interest is reduced. At the same time, customers with new loans need to use LPR interest rates to reduce the burden of homestays at low interest rates. Just a while ago, the bank added 1.7 million yuan "B & B" to the Holili Villa, Chun'an Yunli to support the construction of the homestay infrastructure. As of now, the bank has hosted the "Xiushui · B & B Loan Loan" for 337 households, with a loan amount of 208 million yuan.

Rental interest is more worried than bank loan interest. Although some owners are willing to reduce the rent, this cost is still heavy for homestays that have little income. To this end, Chun'an Rural Commercial Bank launched the "reduction and exemption of rental loans" products. The object of the product is not the homestay, but the owner.

"For housing lessons who have reduced the rent for small and micro enterprises and individual industrial and commercial households for the service industry in 2022, we prefer to provide loan funds, and the loan interest rate is reduced to 4.05%. The reduced interest can supplement their rents that are reduced." Relevant staff of Chun'an Rural Commercial Bank told reporters, "In this way, the owner is willing to reduce the rent and let the tenants get affordable to form a situation of heating in the three parties of the owner, tenants, and the bank."

Credit funds with a little service will get a little closer

In Da Cyan Town, Jiande City, lotus and lotus seeds are important local crops. In order to give Lotoma's sufficient financial support, Jiande Rural Commercial Bank launched "Liannong Loan" a few years ago. At present, Liannong loans less than 10,000 yuan, more than one million yuan, helping Liannong to get rich quickly.

After the 80s, Master Yao Yao was the largest lotus seed grower in Liye Village, Da Cyan Town. At that time, he started to start a business relied on the 500,000 yuan loan of the German Rural Commercial Bank. After years of development, he established ten miles of lotus planting bases and received tens of thousands of tourists each year. Lotus farmers have a special lotus banquet, which can accept up to 200 people for meals, extending industrial lotus fish farming, casual fishing, lotus leaf tea, lotus seed cakes, lotus leaf crisps, lotus seed wine, etc. In the past two years, Jiangde Rural Commercial Bank has also increased his support for him. At present, credit support has reached 600,000 yuan.

"Generally, it can be equipped with a credit of 10,000 yuan/mu, which can basically cover the costs of lotus farmers. As of the end of April, a total of 23.9786 million yuan of lotus loans has been issued to benefit 218 lotus farmers." Jiande Rural Commercial Bank's work work Introduction.

In order to help Lottery ’s agricultural broadening channels, Jiande Rural Commercial Bank passed e -commerce platforms such as“ harvesting ”and“ harvesting home ”unique to Zhejiang Rural Commercial and Commercial Union Bank, from fresh lotus roots to lotus seeds, lotus core, lotus leaf tea, to lotus seeds to lotus seeds Wine has achieved one -stop sales online.

In addition, the bank also established the "Lotus Farming Service Team" to carry out "anti -fake currency knowledge training" in various villages during the period of lotus seed acquisitions, the popularization of bank card knowledge, and the use of mobile banking. At the same time, setting up a self -service terminal in the village, it is convenient for lotus farmers to apply for access, transfer, payment and other services at their doorsteps. Fangde Rural Commercial Bank also regularly dispatched mobile service vehicles to the village to handle more than 10 financial services such as replacement, density encryption, exchanged change of change, and account opening period to ensure that the financial services of more than 1,000 lotus farmers under the jurisdiction are guaranteed Essence

The bank's interest drops a little more market money to post a little

Yang Guodong is a merchant of Jiutian International Clothing City. In May this year, he and eight other merchants received a loan of 100,000 yuan from the Bank of Tyron. Different from ordinary loans, the annualized interest rate is only 2.25%, and the one -year interest is only 2250 yuan.

"This is a loan product for market merchants that we have jointly launched with Jiutian International Clothing City. The bank reduces a little interest, the market subsidy is a little interest, and the merchant has a little interest. This is how the 2250 yuan comes. Ten thousand yuan. "Fei Junjie, the president of Hangzhou Jianggan Sub -branch of Tailong, told reporters," In addition to the Jiu Tian International Clothing City, 11 merchants in Nine Tianyuan North Fashion City also received such discount loans with a maximum amount of 50,000 yuan. "

In the winter of 2021, it is a rare warm winter in recent years. Many clothing market merchants want to rely on winter clothing to make money. In addition, the epidemic at the beginning of this year was repeated, and the two weeks of gold in the spring of the spring was severely delayed, and many market merchants were suffering. In July and August, the "preparation" winter dress is their biggest sustenance at present. "In April this year, we launched merchant loans. The cooperation with Jiutian International Clothing City is only part of it. Merchants in other markets can also apply for non -discounted ordinary loans, and the maximum amount can reach 5 million yuan. We hope to use merchant loans, Further expand their capital flow to prepare for the next 'preparation of the winter clothing. "The relevant staff of the Hangzhou Branch of Tyron Bank introduced," Hangzhou Branch has set up a special amount for merchant loans. The degree is 50 million yuan. "

【Reporter Observation】

From the benefits of enterprises to creating benefits for enterprises

As we all know, the spread is an important source of bank profit. Once an enterprise is in trouble, it may encounter a bank's loan and loan. But in recent years, the situation has undergone tremendous changes. The banking industry's support for enterprises, especially the support of the industry, has further increased. When the enterprise encounters difficulties, the financial regression of the service entity, whether it is no repayment of the renewal or the interest rate reduction, has played the function of "sending charcoal in the snow".

Fuyang's "An Dingyun Mist Loan", Lin'an Breakfast Loan, Tonglu Needle Loan and Miaoshi Loan, Jiande Lotus Agricultural Loan, Dendrobium Loan, Berry Agricultural Loan, Chunan Sheng Pig Loan, Hibetan Loan ... In recent years, these products have sprung up. A large number of appears in the market, and the focus point is getting smaller and smaller. Credit funds have changed from "far away" to "near the eyes." Jinhua Bank Hangzhou Branch also designed "Star Business Loan" for the electric bicycle industry, which can provide comprehensive financial products and services for upstream and downstream enterprises of the electric bicycle industry chain.

Based on the characteristics of the industry, banks specialize in formulating products, actively reduce the threshold for loans, and give in enterprises with funding demand for normal operations. At the same time, small and micro enterprises are not a separate individual. They have upstream and downstream partners to truly help them, and they must help them open the industry chain from planting to sales and reduce the burden on the tenants. First of all, they need to reduce the pressure on the landlord ...

At present, many banks in Hangcheng have introduced measures to help companies relieve their reasons to provide enterprises with sufficient capital guarantee. From January to May this year, various loans in Zhejiang Province increased by 1.34 trillion yuan, an increase of 193.3 billion yuan year-on-year, and the balance increased by 15.5%year-on-year. The growth rate remained first in the country.

Source: Hangzhou Daily

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