How to handle Jinan enterprise loan

When did Jinan small and micro enterprise loan discount policy start?

Since 2005.

Since 2005, the municipal government has issued a policy, starting with the special funds for the development of small and medium-sized enterprises, allocating100000 yuan to give financial subsidies to the financing costs of small and medium-sized enterprises in Jinan, and providing two subsidies, namely, loan interest subsidy and guarantee fee subsidy, to alleviate the embarrassment of financing costs of small and medium-sized enterprises.

Small discount loan is a kind of discount loan, which refers to the small discount loan issued by the state to support a certain industry or a specific group.

Is it appropriate for Jinan to borrow money to buy a factory?

Now the loan is very suitable. Focusing on the "1474" work system of the municipal party committee and government, and focusing on the key tasks of industrial optimization and upgrading and serving the development of the real economy, Jinan Rural Commercial Bank has given full play to the role of local financial support, increased its support for industrial parks, demonstration parks and production bases, and innovatively launched the "industrial workshop mortgage loan" model to reduce the pressure on enterprises to purchase production sites, adding vitality to promoting the integration of industry and finance and the transformation of old and new kinetic energy of the city's real economy. Up to now, the bank has issued 28 10.6 million yuan of industrial workshop mortgage loans and 3.088 billion yuan of manufacturing loans to10 enterprises.

In order to optimize the city's industrial layout, the Bureau of Industry and Information Technology of Jinan formulated the Three-year Action Plan for Promoting Industrial Investment Multiplication in Jinan, and launched four policies: increasing support for technological transformation of enterprises, promoting the agglomeration and development of advantageous industrial clusters, strengthening industrial land security and increasing financing support. Following the development plan of the municipal party committee and government, Jinan Rural Commercial Bank developed and launched the "mortgage loan for industrial plants" business in time. This product is a fixed asset financing product that supports small and micro enterprises to purchase standardized factories or office buildings. It has the characteristics of simple procedures and flexible repayment methods. The longest loan period can reach 10 year, and the maximum loan amount for high-quality enterprises can be relaxed to 70% of the total purchase price. As long as the down payment of small and micro enterprises is not less than 30-40%, and the remaining funds are supported by banks, small and micro enterprises can repay in installments within 10 years. The house is delivered to enterprises for use after acceptance, which effectively solves the problems of weak guarantee, slow payment and large one-time expenditure for small and micro enterprises.

Located in Changqing District, Jinan City, the "paperboys" design smart town project brings together well-known domestic packaging, industry, cultural and creative design, brand planning and various paper packaging manufacturers to form an industrial chain, which is the leader of domestic brand packaging integration. After the project is completed, more than 30 paper products packaging manufacturing enterprises and related service enterprises in the industry will be gathered to meet the employment of thousands of people, and the annual sales income will exceed 654.38+0 billion yuan. It is an industrial standard workshop project of Jinan SME Industrial Park. Lixia Sub-branch of Jinan Rural Commercial Bank learned that there was a funding gap in the project during the "Thousands of Enterprises and Hundreds of Banks" activity. After on-the-spot investigation, judgment, quick review and approval, we granted a credit of 65 million yuan for the mortgage access of industrial standard workshops in the small and micro enterprise industrial park to help the park start construction smoothly. "The success of online construction is inseparable from the support of Jinan Rural Commercial Bank. With them as the backing of the enterprise, it also adds confidence to the future sustainable development of our park. " The person in charge of the park expressed his gratitude to Jinan Rural Commercial Bank.

The factory buildings in Jinan Industrial Park are constantly upgrading. In order to obtain a higher-level standardized factory building with high threshold service access qualification, the Bank has made great efforts to "upgrade, increase and expand the area" in inclusive finance with the help of the cooperation form of "government, bank and enterprise", so as to accelerate the enterprises to settle in the industrial park and realize industrial transformation and efficiency improvement. Jinan Rural Commercial Bank participated in the construction of industrial standard chemical plant service system by the Municipal Bureau of Industry and Information Technology, deeply understood the function and process design of the comprehensive service platform, and put forward practical suggestions for the Bureau of Industry and Information Technology, such as improving the online signing module, increasing the display of financing needs of enterprises, enriching financing functions and giving financial institutions multi-level account authority, and constantly improving the mortgage process to improve the practicality and convenience of the comprehensive service platform. Through unremitting efforts, the bank was successfully selected into the financial service library of standard factory buildings in Jinan, becoming the only local financial institution in Jinan that can participate in the mortgage project of standard factory buildings, and obtained the list of 54 standard factory buildings and 15 M0 projects in the city, laying a foundation for fully supporting the landing of standard factory buildings.

As soon as the product is launched, customers will come out. With characteristic credit products and customer resources, Jinan Rural Commercial Bank has comprehensively improved service quality and efficiency, provided maximum convenience for mortgage customers, and turned a new page in fully supporting regional economic development. In view of the economic development characteristics of Jinan's pioneering zone for transforming old and new kinetic energy into industrial clusters, the bank signed a strategic agreement with the tianqiao district Municipal Government. Tianqiao Sub-branch under its jurisdiction gave full play to its market access advantages, analyzed the situation of listed companies one by one, quickly organized a professional marketing team to send "loans" to the door, started the docking work of enterprises in the park at the first time, organized business presentations, and conducted full coverage and carpet visits to understand the capital needs and give full play to the advantages of electronic channels. Open the "sunshine loan" green acceptance and approval channel, and launch a time-limited completion service system to achieve the goal of "running at most once" and get through the last mile of financial services. With a series of complete service measures, the bank took the lead in docking the Kejia Intelligent Equipment City project with the fastest construction progress in the city, and learned that Jinan Huazhiling Auto Parts Co., Ltd., a nationally influential auto parts sales company integrating procurement, warehousing, sales, logistics and quick repair, purchased a standardized factory building in the park, and handled a mortgage loan of 410.3 million yuan for the company according to the capital demand, which solved the "capital bottleneck" in one fell swoop and successfully broke the ice for enterprise procurement.

Financing costs have come down, and comprehensive services have kept up. With the acceleration of the transformation and upgrading of small and micro enterprises, many enterprises with loan experience are no longer limited to pursuing low interest rates, but also consider various financial costs, such as repayment methods, loan speed and subtle differences, which will lead to different financing costs. The bank provides a comprehensive package of financial services, such as account opening verification, loan inspection, program guidance, payment and settlement. Based on the improvement of risk prevention and control measures, customers can choose their own branches to open loan accounts. Provide multi-level, multi-field and all-round financial services for park enterprises with convenient, efficient and low-cost financial services. Shandong baicuisheng special medical formula food co., ltd is another beneficiary of standardized "mortgage loan for industrial workshops". The company granted a credit of 6.67 million yuan to help purchase the standardized factory building of tianqiao district Rongtong Intelligent Science and Technology Park, which met the demand for capital for production in the park. With the popularization of "industrial workshop mortgage loan" in manufacturing enterprises in industrial parks, the bank has realized the docking with all eight standardized workshop projects within its jurisdiction, and successively reached cooperation intentions with Xu Tian Logo Industrial Park, Times Tiangong Industrial Park and Zhong Jian Rongtong Industrial Park, accepting 37 mortgage customers with a total amount of/kloc-0.20 billion yuan and issuing/kloc-0.0 households with an amount of 28/kloc-0.0. In addition, the bank has also created a "one household, one policy" exclusive financial scheme for all kinds of enterprises in the park, and provided support to enterprises whose products have a market, good prospects and meet the requirements of transformation and upgrading but have financial difficulties. By adopting a series of measures such as supporting quality service, simplifying loan procedures and paying attention to whole-process monitoring, it has won the favor and praise of park enterprises.

Since the beginning of this year, Jinan Rural Commercial Bank has thoroughly implemented the "customer-centered" concept of the provincial association, adhered to the market positioning of "facing agriculture, rural areas and farmers", facing small and micro enterprises, and facing community families ",with the aim of helping our city build a" strong, beautiful and rich "modern international metropolis, fully exerted its service advantages, unswervingly increased credit supply, and alleviated the financing difficulties of private and small and micro enterprises. Up to now, the bank's total loans have exceeded 62 billion yuan, and the total number of loans is 57,200, an increase of 1. 1.7 million compared with the beginning of the year. In view of the operating characteristics and financing needs of industrial enterprises, we accelerated the pace of product innovation on the basis of a basically complete credit business system, and successively developed a series of loan products such as permanent mortgage loan, accounts receivable pledge financing, intellectual property loan, government procurement loan, and scientific and technological achievements transformation loan, which further enriched the financial service tools to support the production and operation of small and micro enterprises. Make full use of Shandong interactive banking and tax financing service platform, SME financing comprehensive credit service platform and self-built publicity media to display the main credit products for SMEs. Actively connect with the cloud chain of China enterprises, explore supply chain financing products, develop directional factoring business, and support the upstream enterprises in the supply chain of core enterprises. During the epidemic, the bank raised its political position, issued the Financial Financing Assistance Plan together with Jinan Financial Supervision Administration and other units, and organized 5 press conferences and more than 60 symposiums and matchmaking meetings at all levels/kloc-0. The activity of "March 1000000 enterprises" was launched, and 7300 docking enterprises were visited, providing credit support for more than 1 100 enterprises with a credit amount of 8160000 yuan. Focusing on long-term private enterprises and small and micro enterprises, we lent 354 small and micro enterprises165438+58 million yuan, solidly promoted the work of "six guarantees" and implemented the task of "six guarantees", which made positive contributions to supporting the city's social and economic development, optimizing the business environment, accelerating the concentration of resource elements and promoting the transformation and upgrading of old and new kinetic energy.

Is the loan of Jinan Rong Rui Xinda Company safe?

Safe. The loan of Jinan Rong Rui Xinda Company is safe and reliable. Established in 2022, Jinan Rong Rui Xinda Information Service Co., Ltd. is located in Jinan City, Shandong Province, and is an enterprise focusing on business services. The registered capital of the enterprise is RMB 654.38 million.

Is the loan of Jinan enterprise-wide company reliable?

Not reliable.

Relevant cases of Jinan Enterprise Company:

At the end of 5438+ 10, Jinan enterprise company contacted me by phone and said that it could help with the loan. 1 October 65438+June1,the Japanese went to Building 4, Shuntai Plaza, Jinan High-tech Zone, and they said that they could help me to apply for a high-value credit card, and asked me to pay a service fee of 5,000 yuan, which can be processed in 10 to 15 days.

So much for the introduction of corporate loans in Jinan.