The business scope of Shanghai Rural Commercial Bank is

Absorb deposits from the public; issue short-term, medium-term and long-term loans; handle domestic and foreign settlements; handle bill acceptance and discounting; issue, redeem and underwrite government bonds as an agent; buy and sell government bonds and financial bonds; engage in inter-bank lending ; Engaged in bank card services; foreign exchange deposits, foreign exchange loans, foreign exchange remittances, international settlements, inter-bank foreign exchange lending, credit investigation, consulting and witnessing services; agency collection and payment and insurance agency business; provision of safe deposit box services; regulated by the China Banking Supervision Other business approved by the committee. In order to solve the financing difficulties of small businesses, support their development and growth, and find new business growth points, Shanghai Rural Commercial Bank sincerely launches to small business customers a bank that is suitable for the production and operation characteristics of small businesses and integrates financing, settlement, financial management, and consultation. small business financial services.

Different from traditional financial service products for large and medium-sized enterprises, small business financial service products are characterized by standardized application procedures, simplified handling procedures, and rapid approval processes. This series of products will fully meet the needs of small businesses. Need to handle business quickly and conveniently.

In terms of financing business, Shanghai Rural Commercial Bank has dedicated personnel to handle small business business. The minimum processing time is 3 days (referring to the premise that the enterprise submits information as required), and the maximum total credit amount for a single customer is 10 million yuan. , the maximum financing period is 3 years.

Enterprises that have normal production and operation, smooth product sales channels, guaranteed sources of repayment funds, and can provide corresponding collateral/pledge can apply to Shanghai Rural Commercial Bank according to their financing needs. The acceptable mortgages of Shanghai Rural Commercial Bank include commercial residential buildings, commercial buildings (shops), office buildings, legally transferred land use rights, factories, etc. The mortgage rate for the first mortgage can reach 70. If it meets the relevant regulations of our bank, The mortgage rate can reach 85% in the second year and 100% in the third year. ; Treasury bonds, certificates of deposit, bank notes, etc. can also be used for pledge. At the same time, Shanghai Rural Commercial Bank also cooperates with the Shanghai Branch of China Economic and Technological Investment Guarantee Co., Ltd. to provide full or partial guarantees for small businesses that cannot provide full mortgages. A bank acceptance bill is a bill issued by a customer (drawer) entrusting our bank to unconditionally pay a determined amount to the payee or holder on a specified date.

Basic conditions for acceptance application

The applicant for acceptance shall be an enterprise (public institution) legal person or other economic organization approved and registered by the industrial and commercial administration department (or competent authority), and shall be registered in The industrial and commercial or relevant departments should go through the annual inspection procedures;

Open a settlement account in a rural commercial bank;

Have a legal commodity trading background;

Have the ability to pay when due;

A certain proportion of the deposit is required, and the remaining portion is fully offset, pledged or guaranteed by a third party.

Relevant regulations on bank acceptance bills

The amount of each bill shall not exceed RMB 10 million;

The period shall be determined according to the trade contract, the longest No more than 6 months;

The handling fee is charged at 0.5‰ of the acceptance amount. If each transaction is less than RMB 10, it is charged at RMB 10.

Application for bank acceptance business

Fill out the "Shanghai Rural Commercial Bank Acceptance Bill Application Form" and provide information with reference to the working capital loan requirements.

Payment of bank acceptance bills

Applicants for acceptance should ensure that their accounts have sufficient funds before the bill expires. On the maturity date of the bill, China Merchants Bank will unconditionally deduct the payment from the account of the acceptance applicant to the holder based on the bill. If the applicant's account balance is insufficient, the bank will process the outstanding balance as an overdue loan.

Shanghai Rural Commercial Bank encourages and gives priority to the business of issuing bank acceptance bills with a pledge of the full deposit (or full legal deposit). Entrusted loans are funds that the client can control independently and entrust Shanghai Rural Commercial Bank to issue and supervise their use according to the designated objects or investment directions, specified uses and scope, and established conditions (term, amount, interest rate, etc.) and assist in loan recovery.

Broaden the investment channels for the client’s wealthy funds

Meet the borrower’s financial needs

The client can obtain higher returns on funds

Convenient for the group company to manage funds and adjust the surplus and shortage of funds

Purely an intermediary business, the bank does not bear the risk Fixed capital loan conditions

In addition to the above working capital loan conditions, it is also required At the same time:

Technical transformation and infrastructure projects have been approved and included in national or local plans;

Obtained the "Construction License", "Investment License", and "Start of Construction" from the relevant departments License or import approval;

The supporting working capital after the project is completed and put into production has been basically secured;

Self-raised funds shall not be less than 30% of the total investment.

Documents required to apply for a fixed capital loan

In addition to providing information according to the requirements for working capital loans, you also need to provide:

Project feasibility report;

Project-related approvals and permits.

Characteristics of fixed asset loans of Shanghai Rural Commercial Bank

A variety of currencies, you can apply for RMB and foreign currency loans;

The term is flexible, usually one to five years. The maximum period shall not exceed ten years;

Priority will be given to support infrastructure industries such as transportation, energy, post and telecommunications, and communications (962999)

Shanghai Rural Commercial Bank Customer Service Center uses internationally advanced computers Communication technology, integrating telephone voice, network, data and video. Through multiple channels such as phone calls, text messages, faxes, and emails, we transcend the constraints of time and space to provide customers with 24-hour modern financial services. Franchise and charging right pledge loans, real estate development loans, highway investment and construction loans, land reserve loans, construction project loans, housing project construction loans, transportation loans

In a broad sense, financing for small and medium-sized enterprises Also called finance, it refers to the financing of monetary funds, and the behavior of parties involved in raising or lending funds in the financial market through various methods. Judging from the current situation of modern economic development, enterprises need to have a deeper and more comprehensive understanding of financial knowledge, financial institutions, and financial markets than ever before, because the development of enterprises cannot be separated from the support of finance, and enterprises must deal with it.

Functional features: small amount of funds, short term, diverse guarantee methods, and more temporary and sudden capital needs.

In view of the characteristics of the financing needs of small and medium-sized enterprises, Chengdu Rural Commercial Bank highlights the characteristics of "simple", "fast" and "flexible" in loan business processing. At present, a set of unique business processes and mechanisms adapted to the financing of small and medium-sized enterprises has been basically established, which has effectively solved the financing problems of some small and medium-sized enterprises in Chengdu.

Confirmed warehouse, trade chain financing, quick loans for small and medium-sized enterprises, pledge of warehouse receipts, revolving credit lines for small and medium-sized enterprises, joint loans and guarantees for small and medium-sized enterprises, and commercial property mortgage loans

Individuals Finance

Functional features: preservation and appreciation of personal property, diverse funding needs, and a wide span of financing terms.

For individual customers, Chengdu Rural Commercial Bank has developed more than 10 personal business products to meet the needs of personal consumption credit, business credit and the preservation and appreciation of personal property.

"Tianfu Steady Financial Management" series of financial products, "Tianfu Suixin Loan", personal comprehensive consumption loans, personal production and operation loans, small credit loans for public employees, personal second-hand housing loans, small guarantees for laid-off and unemployed people Loans, personal housing mortgage loans, credit student loans in places of origin, and special loans for post-disaster urban housing reconstruction

Rural Finance

Functional features: Agricultural project loan terms are long and capital turnover is slow , greatly affected by natural conditions, and lack of mortgage collateral.

Small credit loans for farmers, joint guarantee loans for farmers, traditional mortgage (pledge) loans

Special products

Syndicated interactive projects, post-disaster rural housing reconstruction loans, loans for leading agricultural industrialization enterprises , entrepreneurship loans for returning migrant workers, rural property rights guaranteed loans

Note: Rural property rights guaranteed loans refer to loans issued by the lender to the borrower and guaranteed by a guarantee company and within the scope of Chengdu City legally owned by the mortgagor. Loans that can be effectively mortgaged include rural houses, collective construction land use rights (excluding homesteads), rural land contract management rights (rural land management rights), and collective forest rights as mortgage guarantees.

Card business and telephone banking services

Tianfu debit card

Integrate multiple accounts and multiple functions into one, with cash deposit and withdrawal, transfer settlement, and consumer payment and other functions.

Service features:

Extensive acceptance channels, counters in Chengdu and Chongqing, counters in provinces and cities, multiple sub-accounts in one card, multiple cards in one household, agency business, and migrant workers’ remittance business

Tianfu Credit Card

Gives cardholders a certain credit limit. Cardholders can handle cash deposits and withdrawals, transfer settlements, and obtain goods and services from specially appointed merchants within the credit limit. and settle accounts as agreed.

Service features:

Credit consumption, showing nobility

Cash advance, flexible and convenient

Instalment payment, everything is wonderful

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Double protection, safe and worry-free

Accumulate points and receive big prizes

SMS notifications, safe and considerate

Easy financial management, convenient repayment