In this context, in order to actively respond to Sichuan's policies and measures to support the development of small and medium-sized enterprises, fully implement the work arrangement of Chengdu Branch of the People's Bank of China on financial benefits for enterprises and people, and do a good job in stabilizing enterprises, ensuring employment and benefiting people's livelihood, Chengdu Branch of Guangfa Bank and Qi Xin have worked together to continuously improve the service quality and efficiency of inclusive finance, fully meet the diversified capital needs of small and micro customers, and strive to help enterprises tide over the difficulties.
Go into the enterprise and solve problems with front desk service.
"Thanks to Guangfa Bank for providing timely financing, which solved the company's financing difficulties and injected financial strength into our business development." Teacher Pu, chairman of a food operation management company in Nanchong, said.
According to reports, the company is a small and micro enterprise, and its main business is to operate food trademarks. At this stage, the trademarks of related agricultural products are being promoted, with rapid development and large capital demand. However, due to the short establishment time, few tangible assets, poor short-term financial indicators and the impact of the epidemic, the company felt difficult in the financing process. After taking the initiative to visit and understand the situation, Chengdu Branch of Guangfa Bank contacted customers at the first time, formulated credit loan projects in time according to the financing needs and development trend of enterprises, conducted on-site investigation and comprehensive evaluation, and granted the company a credit of 5 million yuan in time by speeding up the approval process and opening a green channel, becoming the first cooperative credit bank of the company, which fully met the financing needs of this small and micro enterprise.
Chengdu Branch of Guangfa Bank actively meets the development needs of key enterprises in Sichuan.
This is just a microcosm of CGB Chengdu Branch's new financial measures to help small and micro enterprises develop with high quality. In recent years, the bank has actively carried out activities of financial services entering the park, enterprises, financial inclusive products entering the park, enterprises and stores, providing targeted "one-on-one" exclusive services for small and micro enterprises, striving to alleviate the financing problems of small and micro enterprises and adding new impetus to their development. China Guangfa Bank Chengdu Branch has carried out strategic cooperation with an industrial Internet company in Sichuan, and developed the "Special Project of Smart Farmers' Personal Loans to Support Agriculture in Chengdu Branch of China Guangfa Bank" to empower finance with science and technology and promote the digital transformation of rural industries.
As of the end of April this year, Guangfa Bank Chengdu Branch has realized the balance of inclusive microcredit; Whitney exceeded 654.38+03 billion yuan, and nearly 1,000 small and micro enterprises benefited from it; Whitney.
Accurate policies help enterprises reduce costs.
"Thanks to the small e-second loan from Guangfa Bank, the reserve fund for my house purchase has been settled." Mr. Huang, a self-employed person in Chengdu professional auto parts market, said happily that with the improvement of auto parts business, he hopes to purchase more goods and expand the scale of operation. With the help of Guangfa Bank Chengdu Branch, he successfully realized his wish.
"Small and micro e-second loan" is a personal credit loan product launched by Guangfa Bank, which provides credit loan support for small and micro business owners and individual industrial and commercial households. Recently, Guangfa Bank Chengdu Branch handled the "small micro e-second loan" business for qualified small and micro enterprise operators such as Mr. Huang after carrying out special publicity on related products, which was well received.
Different types of small and micro enterprises have different financing needs. According to the actual situation, Chengdu Branch of Guangfa Bank strives to solve the pain points and difficulties in the financing process of small and micro enterprises, accurately "move" and help enterprises reduce the comprehensive financing cost.
In view of the financial difficulties of small and micro enterprises in the commercial service industry.
At the same time, Guangfa Bank Chengdu Branch has also formulated an implementation plan for cross-border direct loan business, and handled foreign exchange collection and payment, letter of credit opening and bill payment, customs tax payment and electronic transmission of customs tax guarantee information through public electronic channels such as corporate online banking, mobile banking and cash management or third-party platforms. So as to improve the efficiency of international business, introduce low-cost funds to support the development of small and micro enterprises in Sichuan, and provide strong financial support for the stability and quality of foreign trade.
In view of the characteristics of independent innovation, insufficient attention to assets and poor short-term financial indicators of small and micro technology enterprises, CGB Chengdu Branch strengthened cooperation between government and enterprises, and jointly launched "high-knowledge loan" innovative credit products with Chengdu Yingchuang Electric Power Company and Chengdu High-tech Zone Science and Technology Bureau. With the help of business scoring system, we can solve the credit barrier between small and micro enterprises and financial institutions, promote the efficient connection between technology and finance, fully meet the loan demand of small and micro enterprises in high-tech industrial parks, and realize the growth of inclusive credit loans.
Optimize the overall service and benefit people's livelihood.
Chengdu Branch of Guangfa Bank gives full play to its comprehensive financial advantages, focuses on optimizing credit supply, closely focuses on the strategic deployment of "One Belt and One Road" construction, Chengdu-Chongqing twin-city economic circle construction and overall urban and rural development, actively meets the needs of major projects, key industries and people's livelihood, and actively realizes its high-quality development in serving the overall national strategy and benefiting enterprises and people through finance.
Economy is the body and finance is the blood. Chengdu Branch of Guangfa Bank, focusing on Sichuan's "5 1" modern industrial system, fought with wall charts and vigorously promoted the landing of key industrial projects; In the field of strategic emerging industries, the Bank continued to increase credit supply to key enterprises such as emerging information industries, new energy, high-end equipment manufacturing and new materials; In the field of infrastructure construction, the bank has promoted in-depth cooperation with large enterprises such as rail transit construction and communication industry construction, with a credit line of 654.38+04 billion yuan.
Chengdu Branch of Guangfa Bank has increased financial support for rural revitalization and vigorously supported the development of agricultural business entities. Focusing on key areas and key service subjects in inclusive finance, Sichuan, the Bank actively built a platform for cooperation between banks and enterprises, increased credit supply to the top ten advantageous agriculture-related industries and the three pillar industries, injected more financial "living water" into agricultural and rural development, and supported the development and growth of modern agricultural industrial clusters and industrial ecological circles in Sichuan. It is worth mentioning that the bank has formulated a regional special plan to help agriculture, and has successively innovated and launched special inclusive products such as "pig loan", "smart loan" and "smart farmers' personal loan to help agriculture", trying to solve the problem of "difficult and expensive financing" for agricultural operators and small and micro enterprises in key inclusive fields such as "agriculture, rural areas and farmers".
Lucid waters and lush mountains are invaluable assets. Chengdu Branch of Guangfa Bank actively explores green financial innovation, takes green and low carbon as an important direction of business development, and continuously increases capital investment in key areas such as green energy, green transportation, energy conservation and environmental protection.
Financial support promotes the development of green industry in Sichuan with high-quality and efficient financial services. Since the beginning of this year, the bank has successively invested more than 300 million yuan in loans, involving sewage treatment, garbage disposal, green transportation and other fields, which has delivered financial "blood" for the green development of Sichuan's real economy.
We will thoroughly implement the development concept of "people-centered" and provide high-quality and efficient financial services to the public. Chengdu Branch of China Guangfa Bank has continuously optimized the construction of business outlets, built multi-functional service areas in all outlets within its jurisdiction, provided convenient facilities such as direct drinking water, wheelchairs and self-service charging lines, and updated and upgraded facilities and equipment of multi-functional service areas from time to time according to the individual needs of the masses, comprehensively improved the service quality, service efficiency and service image of all branches, and actively created service outlets that are satisfactory to the masses.
According to the relevant person in charge of Chengdu Branch of Guangfa Bank, in the next step, the bank will insist on paying equal attention to value and scale, benchmark advanced, reform and innovate, and strive to find a differentiated development path in the fields of insurance bank coordination, integrated finance and Internet, and continue to "escort" the healthy development of small and micro enterprises in Sichuan.
ID:jrtt
Related Q&A: Is it easy to approve Guangfa E-second loan? The application conditions of Guangfa e-second loan are as follows: the maximum loan amount that Guangfa e-second loan can apply for is 300,000 yuan, 1, and the applicant must be a China citizen aged 25-55 with full civil capacity; 2. The applicant must pay social security/provident fund continuously or pay taxes for more than 3 months; 3. It is necessary to have a stable wage earner and a good credit record. If you meet the above conditions, you can apply for an e-second loan from Guangfa. The pricing range of Guangfa E-second loan is divided into four grades. Different lenders implement different expected annualized interest rates, and the repayment method is equal principal and interest. The actual annual interest rate is about 8.3%, which is considered as a low expected annualized interest rate standard in the same industry. At present, there are many small loans on the market that are relatively easy to apply for. They apply for online loans directly, without providing mortgage guarantee, and can borrow money entirely by personal credit. For small loans, it is best to choose formal institutional products, which will be safer with a long loan period and less pressure to repay loans, and will not affect daily life and work. Friends in need can take a look at these models: 1. Money Flower is a credit service brand under Xiaoman Finance. Money flower is a platform to borrow money from Xiaoman Finance, which is the original Baidu Finance, and behind it is a licensed institution like Baidu. Licensed financial institutions, such as United Bank and consumer finance companies, have the money to provide services to borrowers. The source of funds is authoritative and professional, and the password is also reviewed every time the loan is made. The loan can only be placed in the bank card in the borrower's own name. Apply with ID card and bank card (except for college students). The maximum loan amount is 200,000, the minimum annualized interest rate is 7.2%, and the fastest time is 30 seconds. 1 minute.
Xiaoman-Rich Flowers (the second batch) Click online measurement.
2.360 IOU is a formal leading domestic lending platform under 360. You can apply with your ID card and bank card. The fastest time for authentication is 30 seconds, and the fastest time for lending is 3 minutes. After the application is submitted successfully, you can receive the money in 3 minutes at the earliest. 360 IOUs, with a maximum loan of 200,000!
Click online measurement
3. Ping An New Loan Ping An New Loan is a pure credit loan product of Ping An Bank and does not require the borrower to provide mortgage and guarantee. This product can provide a loan of1-500,000 yuan, the service life is 12 months to 48 months, and the monthly interest rate is1.1%-1.53%. Ping An Xinyi Loan belongs to the bank's loan product, but the application process is very simple, and the following payment speed is also very fast. If the loan information provided by the borrower is complete, the loan can be released as soon as 1 day.
Ping An Xin Yi Dai Click Online Measurement
At present, credit loan products can be loaned only by ID card, without guarantee and mortgage. They are loans applied for through personal credit. There are many loan platforms that provide credit loans, but some of them are unreliable. Loan applicants should pay attention to screening. Depending on whether the loan platform is reliable, we can see whether there is permission from the licensed institution, whether there is a charge before the loan, and whether the loan interest rate meets the national regulations. A reliable loan platform has no pre-loan fees, and the loan interest rate will not exceed the scope of national laws. Licensees will have a certain application threshold, and not everyone can apply. Loans that everyone can apply for are often tricky. Don't let your guard down for the success of the loan.