Banks have anti-epidemic credit business.

Recently, banks and insurance institutions in Songjiang have launched financial products related to the epidemic to help small and medium-sized enterprises fight the epidemic, ensure production, carry out production and business activities in an orderly manner, and effectively cope with the impact of the epidemic.

Shanghai Rural Commercial Bank

Do you need a letter of guarantee for project bidding, project construction and after-sales quality assurance? Foreign trade orders have been signed, and the turnover of export funds is difficult. How to ensure the collection of foreign exchange? In order to help alleviate the pressure of production and operation during the epidemic, Shanghai Rural Commercial Bank launched the "War and Epidemic Express Train" for SME financing, covering ten services.

Online letter of guarantee business provides one-stop service for enterprises to apply, review and open letters of credit, so that enterprises can open letters of credit at high speed without leaving home; The "mail by letter" service can provide online banking application, automatic approval and real-time payment, and online discount business can realize second mail and second release; "Business e-loan" can solve the worries of individual industrial and commercial households and realize fast loans, with a maximum amount of 6,543,800 yuan. In addition, there are "new agricultural loans" for agriculture-related enterprises and farmers to ensure the use of agricultural production and business activities. The maximum amount of a single household is 6,543,800 yuan, which can be applied across banks and repaid with the loan.

Shanghai Pudong Development Bank

Shanghai Pudong Development Bank opened the "anti-epidemic financial through train" to develop exclusive financing services for small and micro enterprises affected by the epidemic, with special approval, priority and preferential interest rate pricing; Increase support for financial services such as payment and settlement, cross-border purchase and payment of foreign exchange for enterprises affected by the epidemic, reduce handling fees, simplify procedures and remit money in time.

Bank of Communications

Bank of Communications launched online mortgage and Pratt & Whitney e-loan for individual customers and corporate customers respectively. The online mortgage loan mainly helps small and micro customers with operating entities, with the maximum amount of 100000 yuan and the maximum turnover amount of10 year. E-loan mainly helps enterprises to issue mortgage loans and credit loans, with a maximum of 3 million credit loans and a maximum of100000 mortgage loans.

Guangdong Development Bank

Guangfa Bank Shanghai Branch launched financial services to help small and medium-sized enterprises. In terms of loans, "e-second loan/micro-e-second loan" is pure credit, with a maximum loan of 500,000 yuan and a minimum interest rate of 4.35%. The whole process is handled quickly, with daily interest, and the loan is repaid with the loan. To become a taxpayer, you can also apply across the board, with a minimum interest rate of 4.5% and a maximum credit loan of 3 million yuan. The withdrawal can be completed as soon as possible on the same day. The maximum amount of Shanghai real estate mortgage loan is 654.38+05 million, the longest term is 654.38+00 years, and the lowest interest rate is 3.7%. In addition, customers can initiate the opening, payment and acceptance business of import/domestic letters of credit online through electronic channels such as corporate online banking and cash management system. For corporate customers who need to open a letter of guarantee, the bank can also provide one-stop online application and inquiry function of RMB letter of guarantee.

Shengjing Bank

Shengjing Bank launched e-loan products. During the epidemic, online mobile banking users can apply for pure credit online consumer financial products, free of mortgage and guarantee, with a maximum interest of 200,000 yuan, quick approval, repayment within 7*24 hours, and online loan application.

China PICC P&C Insurance Company

PICC Shanghai Branch has launched two insurance products, namely "Epidemic Prevention Insurance" and "Resumption Insurance", which are aimed at individual customers and corporate customers respectively. During the insurance period, they cover death compensation, hospitalization allowance and compensation for lost time caused by COVID-19. "Anti-epidemic insurance" has no waiting period and takes effect immediately after being insured, with a maximum insured amount of 300,000; "Return to work insurance" has low premium, complete protection and the highest protection100000 yuan.

Editor Xu Ping.

Related Q&A: What is the reason for the rejection of Shengjing Bank's e-loan? 1. Qualification mismatch: Shengjing Bank's e-loan is aimed at specific groups, such as customers who pay wages, customers who pay provident fund, or high-quality customers of Shengjing Bank. If you don't belong to this group, it is easy to refuse to apply for e-loan from Shengjing Bank.

2. Poor credit information: E-loan of Shengjing Bank is a pure credit loan product of the bank, which has very strict requirements for personal credit information. If the applicant has a bad credit record, then Shengjing Bank's application for e-loan will be rejected.

3. High debt: the repayment ability reflects the economic strength of the applicant. If the applicant's debt is high, it means that the repayment ability is insufficient. Shengjing bank e enjoys the loan, and in order to prevent risks, it will refuse to apply.