Suzhou Branch of Huaxia Bank sorted out the support policies of the head office and branch, continuously enriched its products and service means, especially strengthened the application and promotion of characteristic products, actively used various products and businesses such as non repayment loan, house mortgage loan, factory building mortgage loan, science and technology innovation loan, credit guarantee loan, credit loan and Internet of things finance, so as to solve the difficulties encountered by real enterprises at different levels and channels, In the resumption of work and production, it reflects the responsibility of Huaxia.
Precise positioning and service
As of the end of September this year, the credit balance of Suzhou Branch of Huaxia Bank was 21.016 billion yuan, accounting for 22.21% of the branchs credit balance. The branch actively uses commercial banks + investment banks to support a number of infrastructure, urbanization construction, industrial funds and livelihood projects through debt financing tools and matching business. At the same time, actively carry out structural adjustment, combined with the regional economic characteristics of Suzhou City, take science and technology manufacturing enterprises as the focus of credit. Through such major products as credit guarantee loan, fangdaitong and factory building mortgage, the branch effectively supports the development of the real economy and the kinetic energy transformation of advanced manufacturing industry, and promotes the rapid development of strategic emerging industries.
The branch continued to carry out the activities of one hundred and ten thousand enterprises and inclusive finance into the grassroots. The leaders of the branch took the lead, went into the enterprises, listened to the voice of customers, and participated in the private enterprise salon to meet the financing needs. At present, the balance of small and micro enterprise loans (including personal business loans) of the whole bank is 27.779 billion yuan; the two increase loan of Inclusive Finance has completed the regulatory plan of 204.71%, and won the excellent unit in the evaluation of the policy guidance effect of inclusive small and micro credit in the assessment of the peoples Bank of Suzhou in the second quarter of 2020. The branch has increased the policy preference for small and medium-sized enterprises and sunk financial services to all corners. For micro credit loans, relying on mature markets and business circles such as Changshu clothing city and Wuzhong tea market, it provides small credit loans of less than 1 million yuan to merchants. While increasing credit support, the branch staff in advance jointly conducted pre loan investigations with the business units, and formulated credit schemes, and added special personnel to ensure the efficiency of approval. At present, the credit for small and micro businesses under 5 million yuan is generally completed within 1-2 working days.
Technology helps optimize experience
Suzhou Branch of Huaxia Bank has thoroughly implemented the policy requirements of stabilizing enterprises and ensuring employment, effectively combined the service for small and micro businesses with financial technology innovation, and launched the all inclusive credit business Pacific dragon e-Loan. By means of modern financial technology, the online operation of the whole process of insurance loan guarantee is realized, and the links of import, approval, contract signing, lending and repayment are 100% online electronic. By using advanced technologies such as Internet digital authentication, the whole process of customer loan application can be handled online, and the loan can be returned as soon as it is borrowed, thus saving the loan application time, saving the financial cost and effectively optimizing the customer experience. At the same time, it can provide convenient and quick financing support for the inclusive customers, and effectively solve the problems of difficult financing and expensive financing. By the end of September, 36491 transactions of Pacific dragon e-Loan had been approved, the credit line was 4.771 billion yuan, and the business balance was 3.304 billion yuan.
For manufacturing and credit customers, Huaxia Bank Suzhou branch adopts advanced Internet of things technology, installs enterprise credit management tools, and quantifies the real financing needs of enterprises through the objective data of Internet of things. Through the use of real-time monitoring technology of Internet of things, branches can quickly, conveniently and timely understand the changes of enterprise production and operation, timely grasp the needs of enterprises, and reduce the difficulty and cost of financing. By the end of September, 9 enterprises had installed Internet of things equipment, involving a loan balance of 324 million yuan. The branch also realized direct connection of bank tax interaction data with local credit investigation, converted enterprise tax credit into financing credit based on tax data, and provided credit loan support for small and micro enterprises with bank tax link products. In the past September, the first business carried out by the branch through the bank tax interaction has been successfully implemented, providing a credit loan of 2 million yuan for a small and micro enterprise in Changshu. In the future, the branch will further expand the application scope of bank tax interaction, increase investment efforts, and provide low-cost financing support for more small and micro enterprises. Source: editor in charge of mass news: Chen Tiqiang_ NB6485
The branch also realized direct connection of bank tax interaction data with local credit investigation, converted enterprise tax credit into financing credit based on tax data, and provided credit loan support for small and micro enterprises with bank tax link products. In the past September, the first business carried out by the branch through the bank tax interaction has been successfully implemented, providing a credit loan of 2 million yuan for a small and micro enterprise in Changshu. In the future, the branch will further expand the application scope of bank tax interaction, increase investment efforts, and provide low-cost financing support for more small and micro enterprises.