Jurong City Financial Institutions’ Business Benefit Policies During the Epidemic (Jurong City Epidemic Prevention Policy)

Jurong City Branch of the Agricultural Development Bank

For the centralized procurement of medical supplies and protective equipment, and the repair and renovation of isolation wards, funding needs of less than 50 million yuan will be granted to the city branch for approval and emergency loans. The interest rate is around 4.2.

ICBC Jurong Branch

1. Support the financing needs of hospitals, medical research units, pharmaceutical and medical equipment production and circulation companies that are directly involved in epidemic prevention and control.

2. For enterprises in industries that are greatly affected by the epidemic, they must not blindly withdraw, cut off or suppress loans. For those companies that have good development prospects but are temporarily trapped, make arrangements for financing continuation through extension, loan renewal, refinancing, etc. to ensure that financing business, especially business related to epidemic prevention and control, is accepted, approved, and released in a timely manner.

Agricultural Bank of China Jurong Branch

1. Customers who provide key support for local epidemic prevention and control can independently determine the interest rate within a range of no higher than one-year LPR-100bp.

2. For customers who are unable to conduct pre-loan on-site investigation and post-loan on-site inspection due to the epidemic, on-site investigation and inspection may be temporarily suspended.

3. Clarify the conditions for fixed asset loans for public hospitals.

4. For customers who are indeed unable to repay their due loans on time due to delays in resuming work, the stipulation that the normal repayment date will be postponed when it meets statutory holidays or public holidays will be implemented, and the system will postpone the repayment date to the earliest date stipulated by the provincial government. On the day of resumption of work, the period will not be counted as an overdue loan, no penalty interest and compound interest will be calculated, no adjustment to the risk classification form, no adjustment to the rating, and no bad credit reports.

Bank of China Jurong Branch

1. For those who have difficulty repaying their dues before resuming work due to the impact of the epidemic, deferred repayment will be implemented.

2. For key epidemic prevention and control enterprise projects that require the authority of the vice president of a first-level branch company, they can be launched first and then submit to the interest rate approval process. For national head office list companies, the minimum is 1.65.

3. If the total amount cannot complete the annual review as scheduled during the epidemic, the total amount will be extended for three months.

4. Implement green channels for epidemic prevention production enterprises, simplify the approval process, handle special approvals, and issue loans as quickly as possible.

China Construction Bank Jurong City Branch

1. Open a green credit channel and implement loan approval within five working days as soon as possible for enterprises involved in the production of emergency supplies.

2. For enterprise loan interest rates related to epidemic prevention, the implementation interest rate of the bottom-line policy is one year, LPR minus 0.3 percentage points, and the implementation interest rate is three years, LPR plus 0.1 percentage point.

Bank of Communications Jurong Branch

1. For small and micro enterprises that encounter temporary difficulties in operations affected by the epidemic, the credit plan will be adjusted according to the actual situation, and the loan will be renewed through extension or non-repayment of principal. , credit restructuring and other methods to support the normal operation of enterprises.

2. For personal operating loans where the entire loan has not expired but there are interest repayments or phased principal repayments in February 2020, a one-month grace period will be automatically given.

Jurong Rural Commercial Bank

1. Appropriately extend the loan period for existing customers who meet the conditions.

2. Strictly implement the policy of “no loan extraction, continuous lending, and no pressure on loans”, and mitigate risks through borrowing new loans, repaying old loans, and extending extensions. No classification adjustment will be made within 2 months of extension, and the interest rate will be No more than the original loan interest rate.

3. Simplify loan procedures and quickly handle loan procedures based on the actual situation of the borrower. Some procedures can be improved after the epidemic.

4. Identify customers who have recently been affected by the epidemic one by one, actively contact customers who are indeed affected by the epidemic and are unable to repay their loans in a timely manner, and make timely corrections to their bad records.

5. In order to ensure the resumption of work and production of small and micro enterprises, the "Enterprise Resumption Loan" product is launched, with a maximum limit of 10 million yuan, and enjoys green approval channels and special interest rate concessions.

Jurong Branch of the Bank of Jiangsu

1. Provide a special emergency credit line of 10 billion yuan, focusing on supporting key manufacturers of epidemic prevention and control materials in the province.

2. Open up a green approval channel for financing, and enable real-time application and real-time disbursement of online credit products and services. For offline credit products and services, we promise to proactively connect with relevant companies within one working day after receiving demand.

3. Support entities that have difficulties in normal production and operation capital turnover due to the epidemic and are responsible for ensuring the production and supply of important agricultural products that are urgently needed for residents' lives. A credit line of 5 billion yuan will be provided and exclusive preferential interest rates will be provided based on the current interest rates. It has also opened up a green approval channel for financing, and promised to proactively connect with important agricultural product supply entities determined by various localities within one working day after receiving demand.

Postal Savings Bank Jurong Branch

1. Provide a green channel during the epidemic to quickly complete credit operations. Among them, each first-level branch is authorized to review and approve credit extensions for the anti-epidemic fund needs of enterprises on the list within one year.

2. The loan interest rate for anti-epidemic enterprises on the list will not be higher than the one-year LPR - 100 basis points. Enterprises outside the list will be given differentiated preferential interest rates based on actual conditions to effectively support the anti-epidemic enterprises. normal business development.

3. Do not blindly withdraw, suppress or terminate loans, and actively support the operation of enterprises.

Minsheng Bank Jurong Branch

1. Enterprises that have made outstanding contributions to the fight against the epidemic will be given preferential credit extensions, increases in existing credit facilities, and credit interest rates.

2. For enterprises severely affected by the epidemic, phased support measures such as interest and penalty exemptions, credit protection, periodic adjustments to loan interest rates, adjustments to repayment methods, and loan extensions will be provided.

3. Optimize and simplify the loan renewal process, self-service rollover via mobile banking, and loan renewal without principal repayment.

4. Launch special charity financial management for specific customers, with an interest rate 0.25BP higher than ordinary funds.

Suzhou Rural Commercial Bank Jurong Branch

1. During the epidemic, a green channel was launched to provide priority credit services to "front-line" industries and simplify loan procedures.

2. For business involving fund payment, liquidation and other business related to enterprise prevention and control emergency supplies and raw material procurement, fee reductions and exemptions will be provided after approval. By transferring loan funds, the most favorable low-cost loans will be provided to epidemic prevention and control enterprises.

3. For enterprises that have been greatly affected by the epidemic, we must insist on not withdrawing loans, continuing to lend, and not suppressing loans. According to the actual situation, the repayment period is extended, overdue interest is exempted and exempted, and the normal capital turnover of the enterprise is ensured.

Jurong Sunan Rural Bank

1. Launch a green channel for loan approval, arrange a special credit line of 30 million for industries involved in epidemic prevention and control, and complete the transaction within a two-working day limit. Use as soon as you meet the conditions.

2. One enterprise, one policy, develop special financial service plans for epidemic prevention and control enterprises, and adopt multiple plans to expand the scope of guarantees.

3. Implement preferential interest rate policies and provide preferential interest rates for corporate financing involved in epidemic prevention and control without charging any other fees to reduce financing costs.

4. For enterprises that are temporarily trapped due to the epidemic, we should not blindly withdraw, cut off or suppress loans. Qualified companies should use on-loan funds to make revolving loans or extend or renew loans.

CITIC Bank Jurong Branch

1. For enterprises struggling due to the epidemic, increase or decrease the original loan interest rate by more than 10%, and ensure that the financing cost of small and micro enterprises in 2020 is not high Financing costs for the same period in 2019.

2. Provide green, efficient, convenient and differentiated "face-to-face" financial services to small and micro enterprises involved in the epidemic through online and big data methods, and waive relevant fees. 3. During the epidemic period, open an inclusive green approval channel and arrange for dedicated personnel to review and approve in a timely manner; simplify the process in the credit link, implement special handling of special matters, and handle urgent matters to effectively improve the efficiency of business processing.

Jurong Branch of Shanghai Pudong Development Bank

1. Promote the "loan renewal without principal repayment" business for small and micro enterprises. Loans to small and micro enterprises can be renewed without the need to repay the principal.

2. The policy of granting a repayment grace period to borrowers affected by the epidemic. After the corresponding borrowers who meet the conditions submit application requirements and are reviewed and approved, they will be granted a repayment grace period for a specified period after the actual repayment date. Provide a grace period for repayment, during which no penalty interest will be charged and no overdue credit reporting will be reported.

3. Implement settlement service fee discounts for customers affected by the epidemic.

Industrial Bank Jurong Branch

1. Extend, extend or renew loans to small and medium-sized enterprises within the annual authorization authority. The maximum extension and extension period shall not exceed six months.

2. Reduce or reduce overdue interest and penalty interest for national standard small and micro enterprises within the annual authorization authority.

3. Support relevant enterprises to overcome the epidemic disaster by appropriately lowering loan interest rates, increasing credit loans and medium- and long-term loans within the annual authorization authority.

Jurong Sub-branch of Zijin Rural Commercial Bank

Launched the "Special Epidemic Prevention Loan" to support health and epidemic prevention, pharmaceutical product manufacturing and procurement, public health infrastructure construction, scientific research, and medicine Circulation and other aspects of enterprises; scientific and technological, small and medium-sized enterprises that develop vaccines, reagents and epidemic monitoring; produce, transport and sell medical protective clothing, medical masks, medical goggles, new coronavirus detection kits, and negative pressure rescue for epidemic response Key enterprises that provide important daily supplies such as vehicles, disinfection machines, 84 disinfectants, infrared thermometers and related medicines will be approved in accordance with the maximum relevant quota stipulated by the head office. The credit limit will be determined based on the order amount of 80 for epidemic prevention-related services. Major special projects Up to 100 credit support available. The guarantee method is mainly credit. At the same time, the loan price is based on the lowest price of the relevant loan, and the credit can be used according to the epidemic prevention-related orders.

Everbright Bank Jurong Sub-branch

1. During the epidemic period, a green channel was opened to deal with special cases, fast approval, and fast delivery.

2. Everbright Bank has allocated a special incremental credit scale of 10 billion yuan nationwide.

3. The best interest rate will be given to epidemic prevention and control loans that meet the support conditions. The loan interest rate can be the one-year LPR basic interest rate or a preferential interest rate below the basic interest rate.

4. For donations or remittances of special funds to special accounts for epidemic prevention in Hubei epidemic areas or other regions across the country through various business channels of Everbright Bank, inter-bank transfer fees, electronic transfer fees, postage, Telegraph fees and other related expenses are fully guaranteed to ensure smooth financial services.

Hua Xia Bank Jurong Branch

1. On the Jiangsu Provincial Comprehensive Financial Service Platform "Green Channel for Financing of Small and Micro Enterprises Affected by the Epidemic", "Medium-Term Working Capital Loan" and "No Repayment" were issued For the two products "Renewal Loan", enterprises in Jurong area that meet the green channel can apply online, and the bank will open a green channel.

2. For medical staff, military officers and soldiers, government officials, etc. who participated in the rescue of this epidemic, the repayment period will be reasonably delayed, new personal loan interest rates will be preferential, and green credit channels will be opened.

Jurong Branch of Changshu Rural Commercial Bank

1. Open up existing credit extension channels. The revolving credit lines for corporate credit customers that expire before the end of April will be uniformly and proactively extended for three months; for the one-time credit lines that expire before the end of April, if it is determined that they need to be renewed, a simple reporting model will be adopted during this period. After the enterprise resumes work Complete the submitted information according to the original credit requirements.

2. For enterprises that actively donate money and materials to support the construction of epidemic areas during this epidemic, a preferential loan annual interest rate of 50BP will be provided for financing during the epidemic prevention and control period; for enterprises that are severely affected by this epidemic Tourism companies, logistics companies, hotel catering companies, and foreign trade companies will be given a preferential loan annual interest rate of 50BP for new loans.

3. A green channel will be opened during the epidemic prevention and control period. For credit approval projects involving the epidemic, they will be submitted for review and approval within a time limit, and the credit will be granted on the same day.

China Life Jurong Branch

1. Individuals and companies waiting for insurance renewal can be extended to February 20 during the epidemic period.

2. Cancel restrictions on designated hospitals, cancel waiting period restrictions, cancel restrictions on drugs and diagnosis and treatment items, and cancel deductibles

Jurong Branch of PICC Property and Casualty Insurance Company

1. Complimentary medical liability insurance for medical personnel traveling to Wuhan from Jurong Municipal People’s Hospital plus liability insurance for injuries suffered by medical personnel.

2. During the epidemic, for insured customers infected with the new coronavirus, compensation can be paid first after diagnosis, and relevant claim materials will be waived and processed with priority.

Jiangsu Nongdan Jurong Branch

1. Under the epidemic situation, the insured customers of Agricultural Bank of China and Bank of China can extend the period of insurance until the end of March, and the insured customers of the Provincial Association can extend the period of insurance until the end of June. , under the condition that the amount and the original counter-guarantee remain unchanged, the Jurong branch will approve the loan on its own.

2. Actively use new agricultural business entities to ensure the supply of vegetables, meat, eggs, milk, grain and other residents’ daily necessities, open up green approval channels, and provide financing guarantees and annual guarantees for important agricultural product production and supply entities. The fee shall not exceed 1, and at the same time, we will actively strive for subsidy policies from local finance. The guarantee fee shall be fully subsidized on a first-come-first-served basis.

Jurong Small and Medium Enterprises Re-Lending Service Company

For enterprises with key guarantees for epidemic prevention and control and small, medium and micro enterprises that have been greatly affected by the epidemic, the daily re-loan demand is within 10 million yuan. The interest rate is controlled within 0.3‰.