Dazhong.com·Poster News reporter Fan Mingyu Jinan reported on expanding the scope of bailout loan application entities, increasing the bailout loan quota for small, medium and micro enterprises, and increasing bailout loan cooperative banks... On June 23, with the "Jinan City Sma

Dazhong.com·Poster News Reporter Fan Mingyu Jinan reports

Expand the scope of relief loan application entities, increase the relief loan quota for small, medium and micro enterprises, and increase relief loan cooperative banks... On June 23, with the "Jinan City Small, Medium and Micro Enterprises Relief The supplementary notice of the "Implementation Plan for Special Loans for Poverty-stricken People" was officially issued, and the 2.0 version of "Jiguanan-Relief Loans" was upgraded and launched again. The main service targets of this product have been expanded to the city's small, medium and micro enterprises and individual industrial and commercial households, and the single-household relief loan limit has been increased from 20,000 yuan to 500,000 yuan to better resolve the problems of "financing difficulties, expensive financing, slow financing" of enterprises. .

On May 16, 2022, the "Jidan-Relief Loan" government-guaranteed loan product was officially launched to comprehensively help and support enterprises to resume work and production and overcome difficulties together. The relaunched "Jidian-Relief Loan" not only expands the scope of relief loan application subjects, but also includes small and medium-sized enterprises that are registered in accordance with the law in the city, operate legally, and comply with the requirements of national industry and credit policies, but are affected by the epidemic and have operational difficulties. For micro enterprises (including business owners) and individual industrial and commercial households, the amount of relief loans for small, medium and micro enterprises has also been further increased.

It is understood that the total credit line of "Jidan-Relief Loan" is 5 billion yuan, and the loan will be applied first and then until the loan is exhausted. Small, medium and micro enterprises (including business owners) and individual industrial and commercial households can apply for a bailout loan with a loan limit of 20,000 yuan without interest and guarantee fees. Small, medium and micro enterprises (including business owners) can also apply for an increase in the loan limit, up to a maximum of 500,000 yuan. Yuan. If the loan amount exceeds 20,000 yuan, the finance department will provide interest rate subsidies and full guarantee fee subsidies based on the actual loan period.

In addition, the bailout loan guarantee method has also been adjusted to some extent. For single-household bailout loans within 500,000 yuan (inclusive), Jinan Financing Guarantee Group will provide a credit guarantee, and cooperative banks will no longer set up mortgage pledge guarantee measures. If the amount exceeds 500,000 yuan, cooperative banks and financing guarantee institutions may appropriately require the enterprise to increase guarantee and counter-guarantee measures.

It is worth mentioning that in order to broaden the reporting channels and service scope, Jinan Financing Guarantee Group has added the cooperative banks of its products to Qilu Bank , Laishang Bank and Jinan Municipal District Rural Commercial Bank to cooperate. In the future, it will also There will be new cooperative banks to better meet the bailout financing needs of enterprises in the city.

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