CITIC Bank Shenzhen Branch continued to optimize the supply of financial products and services for small and micro enterprises, further increased support for small and micro enterprises in the people's livelihood industry, and eased the impact on their production and operation. Recently, the bank has made every effort to promote the business of "loans are not repaid" and supported small and micro enterprises affected by the epidemic to realize the "seamless connection" between loan maturity and loan renewal turnover, so as to ensure the steady development of enterprises without slowing down.
A logistics enterprise is a small and micro enterprise that has been engaged in freight 10 for more than 0 years, and has 40 freight cars. Previously, CITIC Bank Shenzhen Branch helped enterprises to develop rapidly and issued a working capital loan of 1 year of 8.55 million.
However, when the loan is nearing maturity, it is in a serious period of epidemic. The driver's salary has to be paid, the fuel and maintenance costs of the vehicle can not be less, and the recovery of the payment for goods has been postponed continuously. Enterprises are facing great pressure of capital turnover, and the person in charge of enterprises is extremely anxious about it. After learning about the urgent needs and worries of the enterprise, CITIC Bank Shenzhen Branch immediately started the solution of "renewing the loan without repaying the principal" according to the urgent capital demand of the enterprise, completed the examination and approval one month before the loan expired, and settled the loan that was about to expire with the newly issued loan, which solved the problem faced by the enterprise in raising repayment funds at one time and enabled the enterprise to successfully tide over the special period.
According to reports, in addition to "non-repayment of loans", CITIC Bank Shenzhen Branch also launched "combination boxing" such as bank-wide loans, fee reduction and profit reduction, which effectively reduced the financing costs of enterprises, reduced the pressure on enterprises to repay the principal and interest, and fully supported small and micro enterprises trapped in the "epidemic" to tide over the difficulties.