Banks help small and micro enterprises to fight the epidemic.

In order to thoroughly implement the superior's decision-making arrangements on coordinating epidemic prevention and control, strengthening financial services, increasing support for the real economy, strengthening financial support to help epidemic prevention and control, and promoting sustained and healthy economic and social development, Rugao Rural Commercial Bank issued five credit policies and fifteen measures of "fighting epidemic and helping the poor, stabilizing enterprises and benefiting the people".

First, separate special credit funds to ensure the financing needs of key industries.

1. Set up a special relief fund of 500 million yuan. We will increase the financial supply to the trapped subjects, and provide 500 million yuan of special credit funds to industries that are greatly affected by the epidemic, such as manufacturing, accommodation, catering, logistics and transportation. And appropriately increase the financing amount of customers in the above industries, effectively alleviating customer anxiety and financial pressure.

2. Set up a special fund for science and technology of 600 million yuan. Set up a special support fund of 600 million yuan for science and technology enterprises to ensure the financing needs of science and technology enterprises.

3. Set up a 400 million yuan inclusive special fund; Whitney Xiao Wei. We will increase loans to small and micro enterprises and small and micro enterprise owners with a capital of less than 6,543,800,000 yuan, make full use of the risk compensation fund policy of inclusive finance Province, and substantially improve products such as "small and micro loans", "Su Nong loans" and "easy loans for small enterprises" to effectively solve the problems of high financing and difficult guarantee for enterprises.

Second, implement differentiated financial services to accurately support customers to solve problems.

4. Prepaid credit and active credit. Give credit to the existing loan object 1-2 months in advance. At the same time, open a green channel for examination and approval, follow the principle of special handling and emergency handling, ensure the borrowing and repayment of customers' loans, ensure the continuous use of customers' operating liquidity, and provide timely assistance to affected customers.

5. Flexible adjustment of loan methods. For customers whose travel is blocked and their repayment ability is temporarily reduced due to the epidemic, measures such as delaying repayment, renewing loans without repayment, and adjusting repayment methods are taken to effectively meet the loan renewal needs of different customers. For customers who can't handle the procedures of lending or renewing loans on the spot, video notarization will be adopted, and the trustee will handle the relevant procedures.

6. Start credit protection measures. Due to the epidemic situation, customers with due loans or collateral whose travel is blocked or repayment ability is temporarily reduced are in different places. For customers who are unable to apply for mortgage registration due to the epidemic situation, improve the procedures for refinancing and renewing loans, and adjust the overdue records of relevant credit information through the proof materials provided by customers about the epidemic situation.

Third, improve financial service channels and improve the quality and efficiency of financial services.

7. Vigorously promote peer-to-peer lending. First, optimize the "non-contact" and "off-site" processing procedures and online loan channels, and guide customers who meet the online loan conditions to use mobile banking and online banking to handle online loans. The second is to simplify the procedures and processes of offline loans. The third is to open online credit channels for enterprises.

8. Encourage the issuance of medium and long-term loans. Encourage medium and long-term loans, especially for advanced manufacturing industries, to meet customers' long-term capital needs. The credit period of real estate loans can be extended to 10 years at the longest.

9. Increase the proportion of credit loans and first-time borrowers. First, increase credit loans and improve the coverage of micro-credit loans. Second, give key support to key enterprises that produce and sell pharmaceutical products and important daily necessities, and provide credit loans. The third is to increase financial services for new citizens living locally in entrepreneurship, employment, education and medical care. And increase the proportion of first-time loan families.

Fourth, implement measures to reduce fees and make profits, benefiting enterprises, benefiting people and helping development.

10. Preferential interest rate. For enterprises, business owners and individual industrial and commercial households seriously affected by the epidemic, their lo

15. Continue to carry out visit and service delivery activities. Solidly promote the visit of five types of customers, such as customers on the list of "100,000 enterprises", do a good job of visiting and delivering clothes, further help customers solve problems, boost confidence and play a role in stabilizing social and economic development.

Related Q&A: What are the conditions for rural commercial bank loans? What conditions do rural commercial banks need for loans: 1, and they have the ability to repay the principal and interest on schedule. The original loan interest payable and the loan due have been basically paid off; If there is no repayment, a repayment plan approved by the lender has been made; 2. Except for natural persons and enterprise legal persons who do not need the approval and registration of the industrial and commercial department, the industrial and commercial department shall handle the annual inspection procedures; 3, rural credit cooperatives have opened a basic account or general deposit account, and keep a certain amount of deposits in the account; Accepting the supervision and inspection of credit and settlement of lending institutions voluntarily, and ensuring that business plans, related businesses and financial statements are submitted to lending institutions on a regular basis; 4 to apply for a guarantee or mortgage loan, there must be a loan guarantor, loan collateral or pledge that meets the requirements. The loan guarantor must be an enterprise or economic entity that has opened a deposit account in the credit union and has good economic benefits and credit reliability. Loan collateral must comply with the provisions of the Civil Code and relevant laws and regulations. In principle, it should be mainly real estate (such as houses and land), and it should be commercialized and easy to realize; 5.* * The asset-liability ratio of the credit union lender shall not be higher than 70%; 6. To apply for loans for fixed assets, real estate and other projects, the owner's equity and the proportion of self-raised funds of the lender must meet the requirements of the State Council, and at the same time, complete, standardized and effective documents must be submitted according to the requirements of project management; 7. Unless otherwise stipulated by the State Council, the accumulated overseas equity investment of limited liability companies and joint stock limited companies shall not exceed 50% of their net assets; 8. Lenders of credit cooperatives must apply for loan cards in accordance with the provisions of the People's Bank of China, and go through the annual inspection procedures in accordance with the provisions. Loan process of rural commercial bank: Step 1: When a borrower applies for a loan, he should fill in a loan application form, including the loan amount, loan purpose, repayment ability and repayment method, and provide the following information: 1, basic information of the borrower and guarantor; 2, the financial department or accounting (audit) firm approved the financial report of the previous year, and the financial report before applying for a loan; 3, the original unreasonable occupation of loans to correct the situation; 4. List of collateral and pledge, proof that the person who has the right to dispose of it agrees to mortgage and pledge, and relevant documents that the guarantor agrees to guarantee intention; 5. Project proposal and feasibility report; 6. Other relevant materials deemed necessary by the lender. Step 2: The borrower's credit rating should be evaluated according to the borrower's leadership quality, economic strength, capital structure, performance, operating efficiency and development prospects. Rating can be carried out by the lender independently and internally, or by an evaluation agency recognized by the competent department. Step 3: Loan Survey After accepting the borrower's application, the lender investigates the borrower's credit rating and the legality, safety and profitability of the loan, verifies the collateral, pledge and guarantor, and determines the loan risk. Step 4: Loan Approval Lenders should establish a loan management system with separate loan review and graded approval. The examiner shall verify and evaluate the information provided by the investigators, retest the loan risk, put forward opinions and submit for approval according to the prescribed authority. Step 5: Sign a loan contract. All loans must be signed by the lender and the borrower. The loan contract shall stipulate the loan type, loan purpose, amount, interest rate, loan term, repayment method, rights and obligations of both borrowers and borrowers, liabilities for breach of contract and other matters that both parties think need to be agreed. The guaranteed loan shall be signed by the guarantor and the lender, or the guarantor shall specify the guarantee terms agreed with the lender in the loan contract, affix the official seal of the guarantor as a legal person, and be signed by the legal representative of the guarantor or his authorized agent. Mortgages and pledged loans shall be signed by the mortgagor, the pledger and the lender. Where registration is required, it shall be registered according to law. Step 6: The lender shall issue the loan on schedule as agreed in the loan contract. If the Lender fails to issue the loan on schedule as agreed in this Contract, it shall pay liquidated damages. If the borrower fails to use the money as agreed in the contract, it shall pay liquidated damages. Step 7: After the loan is issued, the lender shall conduct follow-up investigation and inspection on the borrower's performance of the loan contract and operation.