Conduct environmental tests. Photo courtesy of ICBC Jinghua Sub-branch
Entering Guizhou Jianghang Environmental Protection Technology Co., Ltd., located in V Valley Park, Huichuan District, Zunyi City, the newly purchased ICP-MS imported testing equipment has been put into use, and the staff are testing the submitted materials in a clean and bright laboratory. Liu Bin, general manager of Guizhou Jianghang Environmental Protection Technology Co., Ltd. said that the company's customer base is very stable. Although the outbreak of the epidemic had a great impact on the company's development, ICBC's strong support increased his confidence.
Conduct environmental tests. Photo courtesy of ICBC Jinghua Sub-branch
Conduct environmental tests. Photo courtesy of ICBC Jinghua Sub-branch
"Affected by the epidemic, the small and medium-sized enterprises we serve do not pay back in time, resulting in a decrease in working capital of enterprises. In the first half of 20021,the company needed to purchase an imported testing equipment for its development, which required a lot of purchasing funds. In addition, with the addition of 10 new laboratories, the funding gap has become our big problem. " Liu Bin said that when they were worried about funds, the staff of Jinghua Sub-branch took the initiative to provide on-site service, which solved the problem of funds.
Conduct a field trip. Photo courtesy of ICBC Jinghua Sub-branch
"Guizhou Jianghang Environmental Protection Technology Co., Ltd. is our quality customer. When we learned that the company had financial difficulties, we borrowed this product through taxation, and gave the company a credit of nearly 6.5438+0.5 million yuan in a short time. " Yang Jun, account manager of Jinghua Sub-branch, introduced. For enterprises affected by the epidemic, Jinghua Sub-branch actively opened a green channel, set up a special team, optimized exclusive products, and realized online operation and preferential interest rates. We will continue to increase our support for enterprises in difficulty, and help them out of difficulties by providing tangible loan renewal support and comprehensive services from inclusive finance.
Jinghua Sub-branch earnestly implemented the construction of "all-inclusive outlets" and set up a special group for all-inclusive student assistance headed by the president of the sub-branch. Each outlet is equipped with an account manager with credit qualification. The team leader will visit enterprises and industrial parks to understand the difficulties of enterprises and flexibly use various rescue measures such as renewing loans, extending loans and adjusting repayment plans to help enterprises tide over the difficulties of the epidemic.
"We visited Yingtiangong Valley, Xia Zi, Xinpu, Waigaoqiao and other industrial parks. And promote inclusive products such as e-enterprise fast loans and tax loans in a targeted manner, and increase the credit scale of small and micro enterprises. " Huang Zhongqing, president of Jinghua Sub-branch, introduced. As can be seen from his work notebook, the capital needs, main difficulties and loans of various enterprises are recorded in it.
Next, Jinghua Sub-branch will actively implement the "1 N" policy and measures of ICBC Guizhou Branch, further increase the intensity of enterprise visits, accurately meet the needs of enterprises, focus on expanding the loan scale in key areas such as manufacturing, green and strategic emerging industries, and continue to provide high-quality financial services to enterprises to solve problems. (Yang Jun, Zheng Yi)
Related questions and answers: Why can't small and medium-sized enterprises in Wuhan support loans? A few days ago, the Measures for the Administration of the Use of Special Funds for Small and Medium-sized Enterprises in Wuhan to Respond to the COVID-19 Epidemic (hereinafter referred to as the Measures) was officially promulgated, which clarified the determination and distribution of the list of enterprises supported by special funds for small and medium-sized enterprises in Wuhan with the initial loan scale of 20 billion yuan, the examination and issuance of loans for special funds for assistance, the discount of loans for special funds for assistance, and the supervision and management. The target of special funds for bail-out is: medium-sized, small-sized and micro-enterprises registered in Wuhan according to law, which conforms to the Provisions on Classification Standards for Small and Medium-sized Enterprises jointly issued by the Ministry of Industry and Information Technology, the National Bureau of Statistics, the National Development and Reform Commission and the Ministry of Finance (Ministry of Industry and Information Technology _ 201_ 300). The focus is on small and medium-sized enterprises that have been operating normally, but have temporary liquidity difficulties due to the epidemic, and can quickly restore their normal operating capacity through assistance. The list of industrial, service, commercial and agricultural enterprises shall be summarized by the Municipal Economic and Information Bureau, the Municipal Development and Reform Commission, the Municipal Bureau of Commerce and the Municipal Agriculture Bureau respectively, and the list of qualified enterprises shall be sent to the Municipal Local Finance Bureau. The Business Management Department of Wuhan Branch of the People's Bank of China and the Municipal Local Finance Bureau will distribute the list of enterprises to banks through the "Hanrongtong" platform. Enterprises may, according to their own industry conditions, report to the competent departments of letters, development and reform, commerce and agriculture in each district, and the competent departments of industry in each district shall report to the competent departments of industry in the city, and the competent departments of industry in the city shall examine and determine the list of enterprises supported by special funds in the city. At the same time, enterprises registered in Wuhan enterprise financing docking service platform (referred to as "Hanrongtong") and put forward the demand for applying for loans. Enterprises and relevant regulatory authorities can track the progress of loan review and issuance online. For enterprises that meet the loan support conditions, the bank will provide preferential loans with the interest rate not higher than the market quotation price (LPR) 1 year plus 50 basis points and the term not lower than 1 year, and adopt a rapid approval process. In principle, the loan amount for single-family enterprises shall not exceed 6.5438+million yuan, and the maximum loan amount for manufacturing enterprises shall not exceed 30 million yuan. Banks are encouraged to actively issue loans of less than 5 million yuan, which are lower than the quoted market interest rate (LPR) of 1 year loans. During the period from 65438+1 October 1 to 65438+February 3 1 in 2020, new loans granted by banking financial institutions within the jurisdiction of this municipality by enterprises included in the support list of rescue funds will be given a discount of 100%, with the longest discount period not exceeding/kloc-0. The discount is "paid first and then posted", that is, the enterprise pays interest first, and then the bank reports the interest actually borne by the enterprise to the Municipal Finance Bureau for preliminary examination and publicity. After being audited by the Municipal Finance Bureau, the discount interest funds will be allocated to the handling bank, and the handling bank will allocate the discount interest funds to the enterprise account.
Related Q&A: The state has always supported loans to small and medium-sized enterprises. Why can't many small and micro enterprises afford loans? Risk is a virtual product, which quantifies the uncertainty of investment return based on probability calculation. Perhaps the lack of mathematical knowledge caused the fear of not being able to see through risks, which led to the natural resistance to venture capital in China, just as some people were tired of the numerous financial data and simply gave their financial power to their wives.