Since the outbreak of the new crown epidemic in 2020, the Xiamen branch of Xiamen International Bank, launched financial service measures to fight the epidemic and special products for inclusive financial resumption of work. Loan rediscount policies, supporting special business promotion plans, and further extension of preferential interest rate policies and measures to help small and micro enterprises reduce financing costs, and implement them with down-to-earth actions to support the corporate social responsibility of small and micro businesses and convenient services for the people.
In September 2021, in the face of a new round of counter-attack against the epidemic, the Xiamen Branch of Xiamen International Bank fully implemented the new coronavirus prevention and control requirements, leveraged the bank's advantages as a legal entity, adhered to the financial service front, and accurately matched customer needs , According to local conditions, ten major upgrade measures for financial services have been launched for Xiamen's enterprises and citizens to jointly fight the epidemic.
0 1 Provide special anti-epidemic loans
Xiamen Branch of Xiamen International Bank will increase credit support for epidemic prevention and control related fields, focusing on the implementation of existing customers and the production of important medical and living materials in the jurisdiction. Key enterprises such as logistics and transportation, as well as small, medium and micro enterprises, have clarified the docking mechanism around the list, proactively provide financial services, open up green review channels, and ensure the timeliness of business implementation.
The marketing staff of Xiamen Branch of Xiamen International Bank will keep WeChat, phone, SMS and other contact information open, accept customer business consultation and handling, and the customer service hotline 4001-623-623 will provide 24-hour service to provide customers with exclusive financial services at the first time service.
0 2 Focus on supporting companies affected by the epidemic
Actively use the People's Bank of China's special loan policy for relief, focusing on supporting enterprises in concentrated industrial areas that are more affected by the epidemic, as well as hotel, tourism and other service industries.The Xiamen Branch of Xiamen International Bank will prioritize the policy resources of the People’s Bank of China for “refinancing of small businesses” and “two monetary policy tools that directly reach the real economy” to the Tongan District enterprises that are most severely affected by the epidemic.
For Tongan Industrial Concentration Zone, Tongxiang High-tech Industrial Base, Tongan Chengnan Industrial Zone, Tongan Chengdong Industrial Zone, Tongan Fengnan Industrial Zone, Tongan Light Industry and Food Industrial Zone, Tongan Light Industry and Electronics Industrial Zone, Tongan Gold Industrial Park For the manufacturing companies in the eight major parks, Xiamen International Bank Xiamen Branch will provide special credit program support to improve the efficiency of loan approval and meet the company's raw material procurement and labor capital needs in a timely manner.
0 3 should be extended to the fullest possible
loans to enterprises that are affected by the epidemic and have staged operational difficulties, especially small and micro enterprises, private enterprises and self-employed households, Xiamen International The Xiamen branch of the bank will resolutely implement the policy of “should be extended and extended to the fullest extent possible”, adopt the “one household, one policy” measure, not to draw out loans, continue to lend, and not to suppress loans, and actively reduce interest rates, renew loans without repayment, Various protective measures such as negotiating extensions and reducing or exempting interest and penalties to ensure the credit support required by the normal production and operation of enterprises.
At the same time, continue to activate the credit protection mechanism and insist on substantive risk judgments. Xiamen International Bank, Xiamen Branch will not arbitrarily lower the loan risk classification and corporate credit rating due to the epidemic.
0 4 Increase fee reduction and profit
👉 First, special credit lines have been arranged for anti-epidemic-related loan projects, and preferential interest rate credit support is given to manufacturing enterprises engaged in the production of medical materials.
👉The second is to make good use of the People's Bank of China's re-lending policy and give preferential interest rates to companies that meet the requirements.
👉The third is to increase cost reductions for small and micro enterprises severely affected by the epidemic, and actively reduce service fees for small and micro enterprise customers who are affected by the epidemic and have difficulties in production and operation, and actively reduce interest rates and improve loan renewal policy arrangements. , Increasing credit loans and medium and long-term loans, etc.,Support relevant companies to overcome the impact of the epidemic.
👉Fourth is the credit line of retail inclusive offline exposure loans below 10 million yuan (inclusive) eligible for refinancing credit projects, the minimum preferential price is 4.55%.
👉Fifth, for small and micro enterprises and individual industrial and commercial households in Tongan severely affected by the epidemic, a 50% discount will be given to the credit enhancement service fee charged by the city guarantee. At the same time, the credit increase amount for small and micro enterprises can be up to 10 million yuan. Business owners and individual industrial and commercial households have a credit enhancement amount of up to 3 million yuan, and the minimum loan interest rate for credit enhancement fund business is 4.5%.
0 5 Open up a green channel for anti-epidemic credit
Xiamen Branch of Xiamen International Bank will open green approval channels for anti-epidemic-related loan projects in accordance with the principle of "special cases, special cases, urgent cases", and solve enterprises in a timely manner For funding requirements, the time limit for credit approval of eligible projects shall not exceed 5 days.
0 6 Improve online financing and remote service quality and efficiency
Strengthen the promotion of online credit products such as credit e-financing, digital e-financing, electronic guarantees, tax loans, and government loans, and Introduced special preferential interest rates, and effectively utilized various online financial service platforms such as " Xinyidai", "Industry Finance Cloud", "Bank and Tax Interaction", and expanded online service channels and methods to develop "contactless" financial services. Further optimize the financial service process and improve service efficiency.
Xiamen Branch of Xiamen International Bank will ensure the maintenance of online business channels and encourage customers to conduct business remotely through corporate online banking, mobile banking, etc., including but not limited to online account opening, remote wealth financial services, etc., and related materials strive to pass Postal , SF Express, JD.com and other logistics deliveries to minimize the number of customers going out and door-to-door.
In addition, in conjunction with epidemic prevention and control measures, Xiamen International Bank Xiamen Branch will further simplify business processes.For customers and quarantined people in Tongan District, it provides services such as online signing and video remote witnessing to effectively improve the efficiency of business processing and make every effort to ensure the timely issuance of credit funds required for the resumption of work and production.
0 7 Strengthen support for the protection of anti-epidemic personnel
👉Personal customers can apply online for "Xing'an Loan +" "Good Health Loan" and other loan product services;
👉Apply for people affected by the epidemic" Xing’an Loan+" online loan enjoys 10% off preferential pricing;
👉For public servants, public institutions and other employees in Tongan District who are severely affected by the epidemic, they can enjoy a "Good Health Loan" credit loan of up to 600,000 yuan, enjoying preferential pricing8 fold.
0 8 One-stop online service for inclusive loans
provides online channels for personal "contactless" loan business applications. Users can use " Xiamen International Bank WeChat Official Account—Enjoy Wealth—I Want to Loan—Apply Online" or go through the process of “Xiamen International Bank Mobile Banking—I want to borrow money—online application”. After receiving the customer's application, it will actively contact the customer to collect the loan application materials.
At the same time, small and micro enterprises can apply online for products and services such as "tax-sharing loan", "Xing'an loan + business loan", "housing E loan", "small and micro E loan", and "Zhixiang loan".
0 9 Establish an epidemic prevention channel for customer accounts
Xiamen International Bank, Xiamen Branch will do a good job in bank account services related to epidemic prevention and control: simplify the account opening process, speed up business processing, and provide support for anti-epidemic volunteers. Individuals set up priority channels for account opening.
At the same time, a “green channel” for donations will be opened to provide domestic settlement services for epidemic-related medical protection procurement, donations, etc.Reduce and exempt related fees and provide the best exchange rate to ensure that the epidemic prevention and control funds reach the designated beneficiary account as soon as possible.
10 Solid "Hundreds of thousands of enterprises" look back at the activities
Actively use voice, video, Internet and other non-contact communication technologies to actively strengthen the return visit analysis of the production and operation and financing supply of small and micro enterprises affected by the epidemic . The Xiamen Branch of Xiamen International Bank will give full play to the role of the "Hundreds of Progressive Ten Thousand Enterprises" financing activities, collect and respond to the new financing needs of relevant companies due to the epidemic, and expand the coverage of financial services for small and micro enterprises.
Source: The Straits Herald
.
