Zhejiang Commercial Bank Zhengzhou Branch serves "specialty new" to help stabilize the economy to promote growth

Henan Daily Client reporter Li Peng Correspondent Wang Xiaoran

The "specialized new" enterprise has long been focusing on market segments for a long time, living in the upper reaches of the value chain of the industrial chain, which is an important force to promote the self -reliance of science and technology in my country. However, at the same time, many "specialized and new" enterprises are also facing the problem of "financing difficulties" due to the characteristics of small scale, light capital, and lack of qualified pledges. This requires bank financial services to work harder in professionalism, refinement, characteristics, and novelty.

In the various types of stable economy and growth measures launched by Zhejiang Business Bank Zhengzhou Branch, serving the "specialized new" enterprise is a key area for efforts.

Use characteristics to help enterprises cast expertise

"This year, it is planned to invest 10 million funds to invest in new projects, but due to the impact of the epidemic, the company's mobile funds are stretched." A national "specialized new" enterprise in our province bluntly said the funding issue. At a critical moment, the "financial consultant" of Zhejiang Business Bank Zhengzhou Branch learned about the needs of the enterprise and gave loan support in time.

The "Financial Consultant" system is the deployment of the activities of the provincial party committee and the provincial government's "10,000 enterprises" activities, and normalize the innovative carrier of the "President into the Three Services" and "Three Service" activities. At present, Zhengzhou Branch has established a "financial advisory" team of 67 people to establish a "one financial adviser+N expert" working mechanism to effectively improve the precise service capabilities and efficiency of "specialized new" enterprises.

In response to the financial needs of "specialized specialty" enterprises, Zhejiang Commercial Bank Zhengzhou Branch has increased accurate direct direct contact in terms of credit entry, quota, period, and guarantee method. Urgent use of letters "financial demand, approval quickly. At the same time, give full play to the characteristics of chain financial services and provide differentiated supply chain financial solutions. The bank's joint core enterprise, innovatively promoting the application scenarios such as "H+M", distribution, and digital credit vouchers to achieve the upstream and downstream entire industry chain and full scene coverage. Using pooling financing platform to provide liquidity services to help enterprises revitalize bills, credit cards, export tax refunds, accounts receivables and other assets, launch special financial products such as ultra -short loans, Zhizhen Loan, and withdraw money at any time on the online 24 hours. Real -time accounts, with the repayment and interest calculation, improve the efficiency of corporate asset operation. As one of the first batch of cooperative banks selected by the Henan Provincial Department of Industry and Information Technology's "Special Special Loan" project, in February this year, Zhejiang Commercial Bank Zhengzhou Branch and Henan Provincial Department of Industry and Information Technology jointly signed to support Henan manufacturing and "specialty The strategic cooperation agreement of the development of SMEs for the development of SMEs provides 50 billion intentional comprehensive credit support. By the end of June 2022, a total of 68 intelligent manufacturing enterprises were served with a total amount of 8.59 billion yuan. The "asset pool" service is opened for 110 "specialized new" enterprises, with a financing balance of 2.5 billion yuan. A credit for "specialized new" enterprises such as Zhengjia Energy and Henu Henu Hot Furnace has received credit of 2.1 billion yuan and 500 million yuan in credit.

Enter the park, docking zero distance

Small and micro enterprise parks are "ecological rain forests" for small and micro enterprises to innovate, entrepreneurship and growth, and bank financial services are "water conservancy projects" of rain forest ecology.

Zhejiang Commercial Bank Zhengzhou Branch adheres to professional operations, uses the advantages of the "5+N" product of the small and micro park, and strives to push the exclusive financial products such as small and micro enterprises such as factory loans, withdrawals, weekly loans, rental loans, and salary loans. Park enterprises provide full -process financial services such as the purchase, procurement, research and development, and sales of the park in the park after entering the park.

Taking Zhengdong Intelligent Manufacturing Equipment Industrial Park as an example, many companies entering the park face the shortage of funds such as purchasing factories, starting production, and purchase equipment. Zhejiang Commercial Bank Zhengzhou Branch uses the "cluster plan" as the starting point to formulate a "combination boxing" for relief and difficulty, and refine the project to various aspects of enterprise account opening, data collection, and underwriting and nuclear signing to ensure that the single business is up to 3 3 Tiantian approval lending solves the financing problem of enterprises entering the park.

"I did not expect that Zhejiang Commercial Bank's efficiency was so high, it was really our intimate service bank." The person in charge of the park praised Zhejiang Commercial Bank's service, and sent a brocade flag of "service to small and micro difficulties, helping the enterprise development" Essence

By the end of June, Zhejiang Commercial Bank Zhengzhou Branch small and micro enterprise loan balance was 1.562 billion yuan, of which the balance of loans in small and micro parks was 857 million yuan, an increase of 163 million yuan from the beginning of the year. A total of 26 projects in the small and micro park projects were supported, 285 enterprises entering the park, and a total of 1.182 billion yuan was issued.

Digitalization, service "going out"

Stabilizing foreign trade is an important part of stabilizing the economy and promoting growth.

In order to help the "Specialized Special New" enterprise exports "acceleration", Zhejiang Commercial Bank Zhengzhou Branch has opened cross -border financing from improving trade facilitation, convenient enterprises, improving corporate exchange rate risk management services, supporting "specialized new" enterprise foreign debt financing It helps foreign trade companies to solve urgent sorrows. Big data credit models such as "export data loans" and "export tax refund" launched innovatively, and solve the problem of international trade financing and exchange rates in targeted; , Have a large number of accounts receivables and small amounts, and the export tax refund funds account for high financial management difficulties.

As one of the Zhengzhou Municipal Government's "Foreign Trade Loan" and "Export Tax Returning Funds Pool" business cooperation bank, the Zhengzhou Branch of Zhejiang Commerce Bank has accumulated a total of 142 foreign trade loans and a amount of 127 million yuan. 48.67 million yuan, the two items ranked first in the cooperative bank. In addition, through online services such as "Zhejiang Commercial Trading Treasure", it provides online exchange rate avoidance services for foreign trade enterprises, and reduces corporate costs through initial security deposits and big data credit. In the first six months, a total of 14 companies reduced foreign exchange transaction margin of 39.45 million yuan. Supporting "specialized new" enterprises is just a microcosm of Zhejiang Commercial Bank Zhengzhou Branch to help stabilize the economy and promote growth. Focusing on the country's 33 states, 44 Henan Province, and 35 policy measures of Zhejiang Commercial Bank, Zhejiang Commercial Bank Zhengzhou Branch efficiently introduced 31 specific measures to support the stable economic growth. Since its establishment, Zhejiang Commercial Bank Zhengzhou Branch has invested a total of 498.4 billion yuan in various types of assets. In the first six months of this year, a total of 58 billion yuan in various types of assets, 36.24 billion yuan in various loans, and 22.75 billion yuan in various loans. The net increase was 3.21 billion yuan.

"We will closely follow the" Top Ten Strategies "of the Provincial Party Committee, with the" first -class commercial bank 'vision as the leader, and use the characteristics of Zhejiang Commercial Bank's characteristics to help stabilize the economy and promote growth. Showing greater actions, the person in charge of Zhejiang Business Bank Zhengzhou Branch said.

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