"Shandan Loan" is a brand-new cooperative product jointly launched by the National Financing Guarantee Fund and China Construction Bank around Yindan's "total-to-total" batch guarantee business model. By integrating customers' multi-dimensional data information, we will give full play to the experience advantages of digital online credit business, and provide batch guarantee and credit enhancement through the three-level system of national financing guarantee fund, provincial re-guarantee institution and government financing guarantee institution within our jurisdiction, so as to realize the service of "quick approval and quick loan" for online small and micro enterprises. Compared with the traditional way that both parties try their best to adjust the examination and approval, guarantee first and then lend money, "Shandan Loan" has obvious advantages in simplifying the loan application process, lowering the guarantee threshold, improving the lending efficiency and enhancing the customer experience.
Since the launch of the "general-to-general" batch guarantee business of the National Financing Guarantee Fund, Fujian Re-guarantee Company has fully played a leading role in promoting the deepening cooperation between banking financial institutions in our province and guarantee institutions in the system, sorting out business models, optimizing cooperation processes, and effectively promoting the landing and deepening of the "general-to-general" batch guarantee business in Fujian. It has signed contracts with nine provincial branches of banks in the system, including Ningde, Fuzhou, Quanzhou, Sanming, Nanping, Putian and Longyan. Next, The provincial re-guarantee company will take this opportunity to further innovate the cooperation mechanism, make full use of scientific and financial advantages, realize the rapid matching of loans and guarantee services, help the scale of online batch guarantee business, and guide more financial living water to flow to small and micro enterprises and "agriculture, rural areas and farmers" in Fujian, support the development of the real economy and boost the high-quality development of our province.
China Construction Bank, formerly known as People's Construction Bank of China, was established in June 1954+ 10/(later renamed as China Construction Bank on March 26th, 1 996). The head office is located at No.25, Financial Street, Beijing. It is a large state-owned bank managed by the central government and a national deputy ministerial unit. The main business areas of China Construction Bank include corporate banking, personal banking and treasury business, with branches and subsidiaries in 29 countries and regions, and subsidiaries in many industries such as funds, leasing, trust, life insurance, property insurance, investment banking, futures and pension.