Take Zhao Hui Fruit and Vegetable Professional Cooperative in Xianju County as an example. On the basis of the original low-interest loans, you can also enjoy the preferential interest rate of "loan collection" AA. According to the calculation, the three-year loan is 6.5438+0.8 million, which can save interest of 6.5438+0.62 million.
Zhang Huazhi, member of the Party Committee and vice president of Xianju Rural Commercial Bank, said that "collecting loans" effectively reduced the burden of high-quality development of "small specialties" and achieved * * * prosperity through the joint efforts of the government, banks, commercial enterprises, party building and financial empowerment. Xianju Rural Commercial Bank plans to grant credit of 654.38 billion yuan to qualified "small professional households" in the first and second class towns and streets of the county, with a profit of more than 5 million yuan.
As the "main force" of Xianju County's economic and social development, small and micro enterprises and individual industrial and commercial households are the "main carriers" to absorb employment and the "main battlefield" to promote prosperity. According to statistics, there are more than 30,000 individual industrial and commercial households and 9,200 small and micro enterprises in Xianju County, accounting for more than 90% of the market players in the county.
Xianju County Market Supervision Bureau and Xianju Rural Commercial Bank signed a strategic cooperation agreement on "Party Building Finance Leads Prosperity", and will launch "leading loans" for qualified small and micro enterprises or individual industrial and commercial households in the county. The loan amount is comprehensively determined according to the borrower's production and operation conditions, solvency, loan demand and other factors. Credit and guarantee generally do not exceed 6,543,800 yuan, and mortgage generally does not exceed 3 million yuan. At the same time, it can be recycled, borrowed and returned, generally not exceeding 3 years.
"Loan collection" can not only provide loans to qualified business households more quickly, but also provide lower interest rate preferential policies according to the "credit score" of enterprises. And "credit score" can be obtained through the efforts of merchants.
"Merchants participate in various studies such as food safety, civilized city creation and traffic safety. Party member merchants participate in theme party day activities, etc. Merchants actively participate in party building and league building activities or volunteer service activities. The person in charge won the honorary titles of excellent party member, the most beautiful volunteer or honest shop, industrial and commercial household, consumer trust unit and civilized demonstration shop. And you can get credit points. "
Yan Fang, deputy section chief of the administrative examination and approval section of Xianju County Market Supervision Administration, said that those who violate the corresponding content requirements will be deducted accordingly. In the scoring cycle, if the credit score is above 85, the highest credit rating of the merchant is AA, so you can enjoy the lowest loan interest rate.
"By this means, while opening a' through train' for loans for enterprises and self-employed, they also' led' and demonstrated their behavior, which promoted the development of the whole market in a better and healthier direction." Yan Fang said.
Related questions and answers: Where can I get a loan if my credit score is not enough? The credit score is insufficient, and the online loan is basically useless. You can use formal channels, credit cards or bank loans. If there is a problem with credit reporting, it will be very troublesome, and the bank's financial and credit business will basically be abolished. You can't get a credit card or a loan. Related Q&A: How to get a loan when the bank's comprehensive credit score is insufficient? With the popularity of the Internet and big data, coupled with the central bank's credit information, individual users who really don't pay attention to personal credit, whether dealing with personal housing mortgage loans or personal consumption loans, often encounter the situation that the bank says that the comprehensive score is not enough to handle the bank's loans. Then, when the bank says that the comprehensive credit score is insufficient, how can it lend? In fact, we still need to analyze our own situation in many ways to see where there are problems. Only by finding reasons to avoid these can we handle the loan normally. The first point: if your personal credit information is tainted, it is overdue in the past six months or overdue for a long time. Basically, such applicants will reject bank loan applications with insufficient comprehensive scores. If there is a problem with a single credit report, if it is not maliciously overdue, you can contact the overdue bank or financial institution to explain your problems and apply for changing or eliminating the credit report. If the application is successful, you will update your personal letter within 7- 15 days. If you are in a hurry, banks or financial institutions are reluctant to submit an application for the change and elimination of credit reports to the central bank. Then you can only apply for non-malicious overdue certificates from banks or financial institutions (non-malicious overdue certificates are basically issued). The comprehensive credit score will not be insufficient if the overdue records are eliminated or the non-malicious overdue certificate is applied, and then a new loan is applied. The second point: If the recently applied peer-to-peer lending, credit cards, and other products confuse personal credit information with big data, it can be said that there is no effective solution in a short time. The only way is to keep all credit cards and loan products under the current name repaid on time (not applying for various credit card loan products within six months to one year), and the comprehensive credit score will not be insufficient after six months to one year. The third point: If all the above are normal and the comprehensive score is not enough, you should first analyze whether the contacts added when applying for loan products are blacklisted by the bank. If yes, you can change your contact person and reapply after 15 -30 days. If the rejection is due to insufficient comprehensive score due to phone calls, then switch to another bank or financial institution and apply for a new loan product from another bank or financial institution (the phone calls must be true, which will be rejected with insufficient comprehensive score and fabricated facts). Why not directly apply for bank rejection at the beginning, because most banks or financial institutions are prohibited from importing products within 1-6 months after refusing to lend, and even if they can, the pass rate is extremely low.
The fourth point: No grades are caused by false data, and there is no antidote to comprehensive scores. Only real data can be submitted again. For example, submitting false data for many times to apply for loans in banks or financial institutions will be directly pulled into the big data blacklist by big data risk control and enter the big data blacklist. At present, there is no effective solution, so we can only let it repair itself slowly (most of it will be normal after 2-3 years).
Friendly reminder: There are many factors that lead to insufficient comprehensive credit score, such as: false information, overdue credit information, tainted credit information, chaotic big data, frequent overtime, no fixed residence, high debt ratio, and failure to meet the processing requirements. Generally speaking, as long as there is no problem with credit information and big data, submitting real information will basically not lead to insufficient comprehensive score (never submit false information to apply for a loan).
To sum up: when banks or financial institutions apply for loans, there is actually no effective solution to how to apply for loans when the comprehensive score is insufficient, because most of them have problems with the above four points, but there is no need to worry and panic when encountering problems. Calm down and analyze what problems you have and change them in time (if there is any problem with credit information, you can only maintain your credit record and repay it on time, and apply for a new bid after 6 months-1 year. Don't trust any so-called advertising or companies that can be repaired through credit reporting, because credit reporting records a person's credit record for a lifetime, which cannot be changed or eliminated at will, and personal records can be repaired or changed.
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