The large number and wide range of small and medium-sized enterprises are an important foundation for a stable economy and the main support for stable employment. Affected by the COVID-19 epidemic, all market entities, especially small and micro enterprises, are facing challenges in business development.
In this context, in order to actively respond to Sichuan’s policies and measures to support the development of small, medium and micro enterprises, we will fully implement the work arrangements of the Chengdu Branch of the People’s Bank of China on financial benefits for enterprises and people, and do a good job in stabilizing enterprises, ensuring employment, and benefiting the people. For people's livelihood work, China Guangfa Bank Chengdu Branch has made concerted efforts to continuously improve the service quality and efficiency of inclusive finance through measures such as innovating special financial products, optimizing financial services, and optimizing credit extension to fully meet the diverse funding needs of inclusive small and micro customers. , working hard to help companies tide over difficulties.
Go into the enterprise and use front desk services to solve problems.
“Thanks to China Guangfa Bank for providing ‘timely financing’, which solved the company’s financing difficulties and injected financial power into our business development.” said Mr. Pu, chairman of a food operation and management company in Nanchong.
According to reports, the company is a small and micro enterprise whose main business is operating food trademarks. At this stage, the trademarks of related agricultural products are being promoted, with rapid development and large demand for funds. However, due to its short establishment time, few tangible assets, poor short-term financial indicators, and the impact of the epidemic, the company has found difficulties in the financing process. After learning about the situation during active visits, China Guangfa Bank Chengdu Branch immediately contacted the customer, and based on corporate financing needs and development trends, timely formulated credit loan projects, conducted on-site surveys and comprehensive assessments, and accelerated the approval process and opened a green channel , promptly granted the company a credit of 5 million yuan, becoming the company's first cooperative credit bank, fully meeting the financing needs of the small and micro enterprise.
Guangfa Bank Chengdu Branch actively meets the development needs of key enterprises in Sichuan.
This is just a microcosm of CGB Chengdu Branch’s new financial measures to help small and micro enterprises develop high-quality development. In recent years, the bank has actively carried out activities to bring financial services into parks and enterprises, and financial inclusion products to enter parks, enterprises and stores, providing targeted "one-to-one" exclusive services for small and micro enterprises, and striving to alleviate the problem of small and micro enterprises. Corporate financing problems add new impetus to its development. Guangfa Bank Chengdu Branch has launched a strategic cooperation with an industrial Internet company in Sichuan to develop the "Guangfa Bank Chengdu Branch Smart Farmer Personal Agricultural Assistance Loan Project" to empower finance with technology and promote the digital transformation of rural industries.
As of the end of April this year, Guangfa Bank Chengdu Branch has achieved an inclusive small loan balance of over 1.3 billion yuan, benefiting nearly a thousand small and micro enterprises; Whitney.
Precise policies help companies reduce costs
“Thanks to Guangfa Bank’s small e-second loan, I have a reserve fund for buying a house.” Mr. Huang, a self-employed person in a professional auto parts market in Chengdu I am happy to say that as the auto parts business improves, I hope to purchase more goods and expand the scale of operations. With the help of Guangfa Bank Chengdu Branch, he successfully realized his wish.
“Small and micro e-second loan” is a personal credit loan product launched by China Guangfa Bank, which provides credit loan support to small and micro business owners and individual industrial and commercial households. Recently, Guangfa Bank Chengdu Branch, after launching a special promotion of related products, handled the "Small and Micro e-Second Loan" business for Mr. Huang and other qualified small and micro business operators in need, which was well received.
Different types of small and micro enterprises have different financing needs. Based on the actual situation, China Guangfa Bank Chengdu Branch strives to solve the pain points and difficulties in the financing process of small and micro enterprises, and takes precise measures to help enterprises reduce comprehensive financing costs.
In view of the financial difficulties of small and micro enterprises in the commercial service industry and their liquidity difficulties
At the same time, Guangfa Bank Chengdu Branch has also formulated an implementation plan for cross-border direct lending business, through corporate online banking, mobile banking, Cash management and other public electronic channels or third-party platforms handle services such as foreign exchange collection and payment, letter of credit issuance and bill payment, customs tax payment, and electronic transmission of customs tax guarantee information. This will improve the efficiency of international business, introduce low-cost funds to support the development of small and micro enterprises in Sichuan, and provide strong financial support for the stability and quality of foreign trade.
In response to the characteristics of independent innovation of technology-based small and micro enterprises, insufficient heavy assets, and poor short-term financial indicators, CGB Chengdu Branch has strengthened government-enterprise cooperation and jointly launched it with Chengdu Yingchuang Electric Power Company and Chengdu High-tech Zone Science and Technology Bureau "Gaozhidai" innovative credit product. With the help of the business scoring system, the credit barriers between technology-based small and micro enterprises and financial institutions are solved, promoting the efficient connection between technology and finance, fully meeting the loan needs of small and micro enterprises in high-tech industrial parks, and achieving inclusive credit Loan growth.
Optimize overall services and benefit people’s livelihood
Chengdu Branch of China Guangfa Bank gives full play to its comprehensive financial advantages, focusing on optimizing credit extension, closely focusing on the “Belt and Road” construction, Chengdu and Chongqing With strategic deployments such as the construction of the twin-city economic circle and overall planning of urban and rural development, we proactively connect major projects, key industries, and people's livelihood needs, and actively achieve high-quality development while serving the overall national strategy and benefiting businesses and people through finance.
The economy is the body and finance is the blood. China Guangfa Bank Chengdu Branch uses a wall chart to focus on Sichuan's "51" modern industrial system and vigorously promote the implementation of key industrial projects; in the field of strategic emerging industries, the Bank continues to increase investment in emerging information industries, new energy, high-end equipment manufacturing, new materials, etc. Credit extension to key enterprises; in the field of infrastructure construction, the bank promotes in-depth cooperation with large enterprises such as rail transit construction and communications industry construction, with a credit line of 14 billion yuan.
Guangfa Bank Chengdu Branch has increased financial support for rural revitalization and vigorously supported the development of agricultural business entities. The Bank focuses on the key areas and key service entities of inclusive finance in Sichuan, actively builds a bank-government-bank-enterprise cooperation platform, and increases credit extension to the top ten agriculture-related advantageous industries and the three leading supporting industries of "Sichuan Brand" to provide support for agricultural and rural development. Inject more financial "living water" into the field to support the development and growth of Sichuan's modern agricultural industry clusters and industrial ecosystems. It is worth mentioning that the bank has formulated regional characteristics to assist farmers, and has successively launched innovative inclusive products such as "Pig Loan", "Gaozhi Loan", "Smart Golden Farmer Personal Agricultural Assistance Loan", in an attempt to solve the problems of "agriculture, rural areas and farmers", Agricultural business entities in key inclusive fields such as small and micro enterprises face the problem of “financing difficulties and expensive financing”.
Clear waters and lush mountains are mountains of gold and silver. China Guangfa Bank Chengdu Branch actively explores green financial innovation, regards green and low-carbon as an important direction of business development, and continues to increase capital investment in key areas such as green energy, green transportation, energy conservation and environmental protection.
Strengthen financial support and promote the development of Sichuan’s green industry with high-quality and efficient financial services. Since the beginning of this year, the bank has issued more than 300 million yuan in loans involving sewage treatment, garbage treatment, green transportation and other fields, providing financial "blood" for the green development of Sichuan's real economy.
Deeply implement the "people-centered" development philosophy and provide the public with high-quality and efficient financial services. China Guangfa Bank Chengdu Branch continues to optimize the environment construction of its business outlets, and creates multi-functional service areas at each outlet within its jurisdiction, providing direct drinking water, wheelchairs, self-service charging lines and other convenient equipment. According to the individual needs of the people, it also conducts irregular inspections of multi-functional service areas according to the individual needs of the people. Facilities and equipment have been updated and upgraded to comprehensively improve the service quality, service efficiency and service image of each branch's business outlets, and actively create service outlets that satisfy the masses.
According to the relevant person in charge of Guangfa Bank Chengdu Branch, in the next step, the bank will adhere to equal emphasis on value and scale, benchmark against advanced standards, reform and innovation, and strive to create a difference in the fields of insurance-bank collaboration, comprehensive finance, and the Internet. We will continue to "protect" the healthy development of small and micro enterprises in Sichuan.
ID: jrtt related questions and answers: Is it easy to get approved for Guangfa e-second loan?
Is it easy to get approved for GF e-second loan? The application conditions for GF loan e-second loan are as follows: The maximum loan limit for GF e-second loan is The loan amount applied for is 300,000 yuan. 1. The applicant must be a Chinese citizen aged 25-55 years old and with full capacity for civil conduct; 2. The applicant must have paid social security/provident fund or paid taxes continuously for more than 3 months; 3. You need to be a salaried person with a stable job and have a good credit record. If you meet the above conditions, you can apply for Guangfa’s e-second loan.
The pricing range of GF e-second loan is divided into four levels. Different lenders implement different expected annual interest rates. The repayment method is equal principal and interest. The actual converted annual interest rate is about 8.3, which is considered a low expected annual interest rate in the industry. interest rate standards. Nowadays, there are many small loans on the market that are relatively easy to apply for. They directly adopt the online application and online lending model. There is no need to provide mortgage guarantees and you can borrow money based entirely on your personal credit. When applying for small loans, it is best to choose products from formal institutions with long borrowing cycles. This will be safer and less stressful, and will not affect daily life and work. Friends in need can check out these products. : 1. Youqianhua is a credit service brand under Duxiaoman Financial. Youqianhua is Duxiaoman’s lending platform. Duxiaoman is the original Baidu Finance. Backed by licensed institutions like Baidu, Youqianhua’s loan products The credibility is relatively higher. Youqianhua United Bank, consumer finance companies and other licensed financial institutions provide services to borrowers. The sources of funds are authoritative and professional. Every time a loan is made, the password will be reviewed. The loan can only be placed on the bank card in the borrower's name. Apply with your ID card and bank card (except college students), the maximum loan limit is 200,000, the lowest annualized interest rate is 7.2, the fastest approval is 30 seconds, and the money is available in 1 minute.
Du Xiaoman - If you have money to spend (second batch), click online to measure the amount
2. 360 IOU is a leading domestic formal loan platform under 360 Digits. With ID card and bank card You can apply now. The identity authentication result will be available in 30 seconds. The loan application amount will be issued in 3 minutes. After the application is submitted successfully, the money will arrive in your account in 3 minutes. 360 IOU can borrow up to 200,000!
Click to measure the amount online
3. Ping An New Loan Ping An New Loan is a pure credit loan product of Ping An Bank and does not require the borrower to provide mortgage or guarantee. This product can provide everyone with loans of 10,000 to 500,000 yuan, with terms ranging from 12 months to 48 months, and monthly interest rates ranging from 1.1 to 1.53. Although Ping An Xinyidai is a loan product of a bank, the application process is simple and the disbursement is very fast. If the borrower provides complete loan information, the funds can be released as quickly as 1 day.
Ping An Xinyi Loan click to measure the amount online
Now you only need an ID card to get a loan, which is a credit loan product without guarantee or mortgage. It is a loan applied for based on personal credit. There are many loan platforms for credit loans, but some are unreliable. Borrow applicants should pay attention to screening. To see whether the loan platform is reliable, you can check whether it is a licensed institution, whether there are any fees before the loan is taken, and whether the loan interest rate complies with national regulations. A reliable loan platform has no pre-loan fees and the loan interest rate will not exceed the national legal range. It is a licensed institution and will have certain application thresholds. Not everyone can apply. Loans that claim to be open to everyone often have tricks, so don’t lower your guard just to get a successful loan.