Invite banks to answer the interpretation meeting of Sichuan Finance to help enterprises' rescue policies

Cover reporter Ma Mengfei

On the afternoon of July 14th, hosted by the Sichuan Provincial Party Committee Organization Department (Provincial Party Committee Talent Office), Provincial Private Office, and PICC Chengdu Branch. "The special activities were held at the Party Construction Museum of the Chuanshang Federation.

It is reported that this is the fourth event of the "Sichuan Special Interpretation Series of Sichuan Assistance to Enterprises". More than 30 companies in this event attended the meeting on the spot.

At the meeting, Cai Hua, deputy director of the Provincial Private Economic Comprehensive Department, briefly introduced the results since the launch of the series of "Sichuan Special Interpretation of Sichuan Assistance to Enterprises". Next, the Provincial Private Office will also jointly communicate with the majority of Sichuan merchants and private entrepreneurs on the online and offline departments to communicate and interpret the policy interpretation.

In addition, Luo Dawei, Chief of the Credit Division of the Currency Credit Office of the Chengdu Branch, Luo Dawei, the head of the Loan Section of the Sichuan Branch of the Construction Bank, Cai Fuying, the leader of the Science and Technology Loan of the Sichuan Branch, Shi Yun, the head of the Financial Department of the Bank of China Sichuan Branch, and the person in charge of the Ministry of Finance of Sichuan Bank Li, Tian Shaobo, Bank of Shanghai Bank Chengdu Branch inclusive products, interpreted the policy measures and key financial support products on the spot.

In the interactive link, online netizens and representatives of the participating companies on the spot put forward the application and identification of financial assistance policies for the specific situation.

Selected Q & A

Q: Is there an unsecured loan for small and micro and difficult companies?

As a financial management department, the People's Bank of China encourages financial institutions to issue credit loans to small and micro enterprises, especially relatively small assets, and technology -based enterprises with relatively few fixed assets.

At present, banks have some unique loan support policies. For example, for technological innovation companies, some banks can evaluate enterprises through a technological innovation evaluation system. They do not require enterprises to provide mortgage according to the rating results, and directly provide credit loans. Some banks have launched credit products such as "R & D and Loan", which requires corresponding financial support based on the specific situation of the enterprise.

Q: Can bank mortgage loans be renewed when they expire?

As long as the enterprise is not maliciously non -repayment of loans and normal operations, it is indeed affected by the epidemic affected by the epidemic. The People's Bank of China encourages financial institutions to be affected by the affected enterprises affected by the epidemic. Methods to help enterprises continue loans. Eligible legal person financial institutions have extended repayment of inclusive small and micro loans. The increase in the balance of inclusive small and micro loans formed can also enjoy the policy support of the central bank's 2%incentive funds.

Q: The enterprise has been overdue due to poor management, but it has been paid off now. Can I apply for a loan again in the near future?

This must be analyzed for specific issues. It is necessary to supplement the relevant situation of the previous loan and settlement certificate. If the enterprise does operate well and the development space is also good, the support of financial institutions will actively support. The specific situation also needs one -to -one information -related banking institutions.

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