Zoucheng Rural Commercial Bank gives full play to the role of finance in the "blood supply" and "blood replenishment" in the process of local economic construction, strengthen top-level design, increase product innovation, promote time-limited loan payments, empower industrial economic development and the construction of a manufacturing-strong city, and strive to serve local economic development.
strengthens top-level design and improves "supporting hardware facilities". Zoucheng Rural Commercial Bank implements precise policies on "hardware", specializes in serving enterprises under its jurisdiction, carries out centralized marketing, comprehensive docking, and does a good job in customer access, credit approval, risk preference, , limited time completion, customer relationship maintenance, etc., and be a good "waiter" to accurately serve manufacturing enterprises, and improve the corporate financial service experience. "Software" reduction of fees and concessions, in response to the relatively large impact of the epidemic, small and medium-sized enterprises with good prospects and facing liquidity difficulties, we will increase the promotion of circular working capital loans, reduce the capital turnover pressure of small and micro private enterprises, apply for small re-loan scale, implement the postponed repayment policy, and the general small and micro credit loan support plan to effectively reduce the financing costs of enterprises. At present, the bank is connecting with 127 industrial and manufacturing enterprises.
Increase product innovation and stimulate the vitality of market entities. Zoucheng Rural Commercial Bank actively develops financial products that adapt to scientific and technological innovation, focusing on supporting Advanced Manufacturing and industrial core technology research projects, and with the help of the "Financial Services Entering Ten Thousand Enterprises" activity, we will investigate the difficulties and needs of enterprises, and enrich financial products with a problem-oriented approach. In response to the problems of incomplete financial systems of small and micro enterprises and insufficient effective collateral, we will promote products such as "First Loan", " Intellectual Property Pledge Loan", and "Inclusive Small and Micro Credit Loan" to solve the problems of difficulty in credit and guarantee; in view of the frequent financing turnover and urgent demand, we will promote " No repayment Renewal Loan " to facilitate customer production and operation; in view of the characteristics of light assets and heavy intelligence of enterprises, we will promote "talent loan" and "scientific and technological achievements transformation loan" to support the development of enterprises. With the help of insurance's risk mitigation, we will carry out "agricultural insurance loans" and "Lu Mao loans" to broaden financing channels.
promotes limited-time loan application to improve the financing experience. The bank simplifies the loan process and implements a one-time notification, one-time completion and one-stop completion system, and loans can be released as soon as one day. Implement the "independent approver" system, shorten the approval chain, reduce intermediate links, and improve approval efficiency. Focus on promoting seamless loan renewal policies, so that qualified enterprises can promptly handle loan renewal business, and achieve seamless connection between loan maturity and loan renewal. For loans that are about to expire, the account manager will provide a due reminder one month in advance, and complete the loan renewal procedures for the company in advance, with a dedicated person following up and completing them within a time limit to continuously reduce financing costs.
correspondent Zhang Jing
