Recently, through the guarantee of Yinzhou District SME Financing Guarantee Co., Ltd., Ningbo Dikai Import and Export Co., Ltd. successfully obtained a loan of 5.5 million yuan from the bank, which solved the urgent financial problem.
In order to mitigate the impact of the epidemic on small, medium-sized and micro enterprises, Yinzhou actively optimized the cost reduction and profit concession for small, medium-sized and micro enterprises, lowered the threshold of access, provided financing resources docking, and actively played the role of government financing guarantee and credit enhancement. In the first five months of this year, “Yinzhou Guarantee” has provided guarantees of 840 million yuan to 252 enterprises.
The policy is moderate, and we will increase support for financing guarantee. Ningbo Longxun Electronic Technology Co., Ltd. was worried because it was unable to withdraw funds to repay the bank’s matured loans. “Yinzhou Guarantee” helped the enterprise raise 5 million yuan in just a few days through the new to old business model; Yinzhou Jiangshan Jingzhuo Hardware Factory developed slowly due to lack of funds. “Yinzhou Guarantee” was in the form of “pre approval”. Data was collected online, and the approval process was advanced. A guarantee limit of 2 million yuan was pre approved for the enterprise; Zhejiang Huihong Aquatic Products Co., Ltd., due to the decline in market sales and the high cost of cultivating white shrimp in South America, has caused a shortage of working capital. “Yinzhou Guarantee” has granted a loan of 3 million yuan to its fast docking bank… As the only policy oriented state-owned financing guarantee company in Yinzhou at present, “Yinzhou Guarantee” focuses on supporting small and supporting agriculture, supporting the development of the area with good momentum but lack of collateral, and its own credit rating is insufficient Small, medium-sized and micro enterprises with poor financing capacity and “three rural” enterprises. From May 5 to the end of this year, the guarantee rate for all small, medium and micro enterprises was lowered from 1.5% and 1% to 0.5%. Only this one item can reduce the guarantee fee of more than one million yuan for enterprises.
Move quickly to get through the “last mile” of service. Not long ago, Ningbo Desktops Food Co., Ltd., which is engaged in the agency sales of frozen food, urgently needed a fund to prepare the goods. After hearing the news of “Yinzhou Guarantee”, it immediately provided on-site services. After the staff had a detailed understanding of the business situation of the enterprise, they simplified the acceptance process for the enterprise, and raised 1 million yuan in just three working days. Chen Youbo, the relevant person in charge of Yinzhou Guarantee Company, said that they had opened a special green service channel for helping enterprises to rescue, insisted on “consulting once, collecting materials once, and reviewing projects once”, and completed the review and approval process of guarantee projects within three working days from the date when the customer’s information was complete.
On June 20, Yinzhou District issued Several Policy Opinions on the Implementation of the Work of Stabilizing the Economy, which stimulated the endogenous power of small, medium-sized and micro enterprises by implementing discount interest subsidies for enterprises and self-employed businesses such as transportation, culture and tourism, retail, catering, accommodation, etc. that were greatly affected by the epidemic, as well as a package of measures such as increasing the support for foreign trade export credit protection, increasing the support for re lending policies, and enhancing the credit enhancement efficiency of financing guarantees, To help them move steadily and further.
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(Contributed by Ningbo Municipal Commission of Commerce)