Loan loan interest rate help small and micro recovery

Henan Daily client reporter Wang Yannan Li Peng

Kaifeng Changzhe Medical Device Co., Ltd. is a small and micro enterprise. In April of this year, the company was difficult to complete the sales contract smoothly due to the tension of funds.

"The company is the upstream customers of the 11th Construction Co., Ltd. of China Chemistry Engineering. To this end, we actively use the online supply chain product 'factoring E integration'. The loan of 1 million yuan was issued for customers, with an annual interest rate of only 3.55%. "On June 28, Zhang Chuanlin, general manager of the British Ministry of Finance, Henan Branch of Agricultural Bank of China, said.

"In order to reduce the financing cost of small and micro enterprises, the Henan Branch of Agricultural Bank of China applied to the head office in a timely manner, adjusted the online loan interest rate to a minimum of 3.6%, and the supply chain financing interest rate was implemented by 3.1%, which effectively reduced the burden of repayment of the enterprise." Zhang Chuanlin introduced.

As a representative of the financial Henan Army, the Bank of Zhengzhou focused on the real economy, continuously reduced the financing costs of small and medium -sized enterprises.

At present, Zhengzhou Bank has implemented the internal pricing policy of private enterprise loans and inclusive small and micro enterprises to guide the loan interest rates to continue to decline. Wait more than 10 types of handling fees to minimize corporate burdens. In the past three years, Zhengzhou Bank has accumulated a total of 1631 households with a small and micro enterprise customers who delay the repayment of principal and interest. The expenses of handling fees are about 380 million yuan.

"When we learned that Henan Pharmaceutical Co., Ltd. encountered external difficulties, we will take the initiative to reduce the interest rate of its stock 'Zhengke Loan' 9.9 million yuan to save nearly 150,000 yuan in interest expenses for enterprises." Zhengzhou Bank Retail Line Risk Department General Manager Chen Shaohui said that after the company's original loan expired, Zhengzhou Bank handled the renewal business for it, and the interest rate was still implemented at a preferential interest rate.

At the same time, our province's joint -stock banks have also adopted a series of effective measures to continuously reduce corporate loan interest rates. "We implement internal pricing subsidies on special loans such as inclusive small and micro enterprises, agricultural -related enterprises, and specialized new enterprises to guide the small and micro enterprises' loan interest rates to continue to decline." Li Xiaobo, deputy general manager of the inclusive finance department of CITIC Bank Zhengzhou Branch Essence

According to data from the Zhengzhou Center Branch of the People's Bank of China, in May, the average interest rate of new corporate loans issued by financial institutions in the province decreased by 0.41 percentage points year -on -year. "We will continue to urge financial institutions to strictly implement the provisions of the self -discipline mechanism of deposit interest rate pricing, and effectively reduce the level of interest rates in the real economic loan." Said the relevant person in charge of the Zhengzhou Center Sub -branch of the People's Bank of China.

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