Before lending, banks generally rate enterprises. Generally speaking, different rating grades implement different interest rates. This is the reason why the loan interest rate of big companies has dropped. For general enterprises, if they want to reduce financing costs, they can also increase their credit. (But it is rarely used in general loans, and it is mostly used for corporate bond issuance, invoices, short-term financing, trust, etc. Specifically, it is to introduce high-quality enterprises or guarantee companies to guarantee you, increase your credit rating, and achieve the purpose of reducing interest. This is Zeng Xin.
The essence of bill discount is a pledge loan. In order to obtain funds, the discount applicant pledges the bill to the bank, and the bank issues the loan according to the maturity value of the bill, but at the same time deducts the discount interest.
Credit enhancement service:
I. General credit enhancement business
Ensure that the principal and interest of direct debt financing instruments are paid on time, help enterprises realize debt financing smoothly, broaden financing channels for enterprises and reduce comprehensive financing costs.
Second, regional centralized optimization of business.
Establish a decentralized risk sharing mechanism that runs through issue selection, credit enhancement, risk mitigation and follow-up management, and * * * promote small and medium-sized enterprises to rely on the inter-bank bond market to carry out direct financing.
Three. The credit enhancement business of wealth management products provides credit enhancement services for wealth management products issued by banks.
4. Other businesses related to bond credit enhancement.
Based on the bond credit enhancement business, it provides a series of comprehensive services such as financial/financing consultant, management consultation and short-term financing.