In response to the national innovation-driven development strategy, Guangxi Branch of Agricultural Bank of China actively helps the public to start businesses and innovate, promotes special micro-financial products such as government credit enhancement, tax banks and data online loans, and increases credit support for high-quality small and micro enterprises that are scientific, innovative and entrepreneurial.
Focus on promoting the construction of "432 1" government financing guarantee system, carry out cooperation in banking, taxation and insurance, increase support for scientific and technological innovative enterprises, optimize business processes, adopt the "factory" financial service model, effectively improve the intensive, standardized and professional level of financial services for small and micro enterprises, and effectively solve the problems of "difficult financing" and "expensive financing" for small and micro enterprises; At the same time, relying on new technologies such as Internet big data, we launched a variety of Internet financial products such as "data online loan" and "e-commerce housekeeper" to help small and micro enterprises transform offline purchase and sale channels, build online business networks, and improve capital use efficiency and production and operation level. Actively promote the business development in inclusive finance, actively solve problems for the entrepreneurial innovation of small and micro enterprises in 4 149, and provide loans to small and micro enterprises totaling 47.552 billion yuan.
Second, what is the current situation of small and micro enterprise loans in Guangxi?
According to the news from the Internet Finance News, with the implementation of the capital system and registration system measures, newly registered small and micro enterprises in Guangxi started to start businesses, and their growth and growth deepened, and financial institutions in small and micro enterprise zones also launched small and micro financial services. Community banks, venture loans, industrial loans, joint guarantee loans, and small and micro support loans have emerged in an endless stream, which has attracted much attention. Overall, the status quo is not bad.
3. What is the credit prospect of small and micro enterprises?
Small and micro enterprises have good credit prospects!
I probably analyzed it. At present, commercial banks have two kinds of loans to small and micro enterprises, one is credit and the other is mortgage. Today, I mainly talk about the related situation of credit loans.
A few years ago, it was almost impossible to grant loans to small and micro enterprises by means of credit. But now, I have a general look. There are still many varieties of micro-enterprise credit loans, and banks give different names to such loans, but their policies are similar. Basically, the business situation of the enterprise is analyzed through big data, and the business needs to be completed for one year. The industry in which the enterprise is located must conform to the industry credit policies of banks, and the debt of the enterprise should not be too high. The only difference is that each bank has different channels to extract data. Let's sort it out one by one.
4. What is the current situation of small and micro enterprise loans in Guangxi?
Controversial small and micro loans are not so good. I usually use Sina loan.
You can try Sina's online loan and apply for app directly. Safe, simple and quick, I hope I can help you.
And the process of handling loans is very complicated:
1. The borrower submits the loan application materials to the bank;
2. Preliminary examination of the application materials submitted by the borrower;
3. The bank examines and approves the loan application that meets the loan conditions through preliminary examination and credit investigation;
4. If it is approved, notify the borrower to go through relevant procedures such as signing, lending, mortgage or pledge; If it fails to pass the examination and approval, it shall explain to the borrower;
5. The loan contract takes effect and the loan is issued;