There is no winter that can't be passed, and there is no spring that can't come! In 2020, faced with the sudden COVID-19 epidemic, Sichuan Tianfu Bank took the initiative to participate in epidemic prevention and control, helped enterprises to resume work and production, and used various financial policies and tools to help inclusive finance. 202 1 is the first year of the 14th Five-Year Plan. Sichuan Tianfu Bank, as always, pays attention to the warmth and coldness of market entities such as small and micro enterprises and individual industrial and commercial households. Take measures to increase credit supply, do everything possible to reduce the financing cost of the real economy, continue to do the work of "six stabilities" and "six guarantees", and provide strong and effective financial support for accelerating the construction of a new development pattern.
Turn "danger" into "opportunity": the output value is expected to break through from 20 million to 80 million.
The R&D center of Sichuan Huarun Pharmaceutical Co., Ltd. is located in Tianfu Science Park, No.88 Keyuan South Road, High-tech Zone. This is the incubator of state-level science and technology enterprises. Only Building C 1 in the park has settled in more than 100 biomedical science and technology companies. As a special expert in Sichuan's "Thousand Talents Program" and Chengdu's "Talent Program", Tan led the team to do research and development here, with an annual output value of around 20 million. In the Science Park, the government takes the lead in establishing an analysis platform to provide low-cost paid detection and analysis instruments for all kinds of innovative R&D achievements, which greatly saves the cost of enterprises and builds a docking platform between banks and enterprises.
"I deeply feel the importance of not advancing or retreating and changing." Tan said: "Now the development of the company pays attention to technology transformation and realizes industrialization by building a technology platform. It is expected that enterprises will enter the fast lane of development through various cooperation modes such as government, bank loans, equity and bonds. " Our cooperative relationship with Sichuan Tianfu Bank was established at this critical moment. Since then, Sichuan Tianfu Bank has begun to inject liquidity into enterprises by issuing "small and micro technology loans" policy products.
Looking back on the development of the company in recent years, he was very emotional. The rapid progress of the company benefited from the favorable policies provided by the government and the support and injection of financial living water from Sichuan Tianfu Bank. The company's annual output value of 202 1 is 80 million.
Sichuan Tianfu Bank is a cooperative bank shortlisted for "Tianfu Kechuang Loan", a financial service center for high-tech industries in Sichuan Province. "Tianfu Kechuang Loan" is a policy loan product launched by Sichuan Science and Technology Department and Sichuan Finance Department. The financial department will set up a risk fund to share 60% of the risks. Through the cooperation between banks and the government, accurate, differentiated and effective marketing of small and medium-sized scientific and technological enterprises can be realized, and the problems of high, difficult and poor financing of small and medium-sized scientific and technological enterprises can be solved. By the end of 2020, Sichuan Tianfu Bank had issued "small micro-technology loans"1134.076 million yuan, with the loan scale increasing by 123.9% compared with the beginning of the year.
Storing water and raising fish: building a pool of funds to help enterprises "overtake in corners"
Shang Jinchuan, general manager of Sichuan Haoxin Yisheng Technology Co., Ltd. said: "Since I started my business, I have only borrowed money twice. Once, because of the temporary turnover of funds, I got a "commercial loan" from a bank by mortgage. This is my first application for a' political loan' and the only second loan experience at present. I didn't expect the process of Sichuan Tianfu Bank to be so convenient, and I also applied for an interest rate discount of 1.02 million as low as 4.25%. In the process of this cooperation, it has greatly subverted the stereotype that traditional banks have high interest rates, long approval time and low quotas. "
Sichuan Haoxin Yisheng Technology Co., Ltd. was established on 20 12, which is a comprehensive company integrating medical equipment, instruments, medical consumables sales and medical services. Since its establishment, the company has maintained a benign development momentum. But in early 2020, when the company entered the fast lane of development, a sudden COVID-19 epidemic cut off the rapid growth curve that the company was describing. "In our business, we are most afraid of tight liquidity. First, the purchaser will stipulate different payment methods in the contract, which directly leads to a relatively long payment cycle. Second, because of equipment procurement, we should pay the equipment manufacturers in time. Some imported medical equipment can't be started on time due to foreign epidemic, products can't be delivered on time, and accounts receivable can't be recovered on time. Therefore, the company must reserve a certain amount of liquidity in case of emergency. " Shang Jinchuan said.
The biggest feature of "government loan" products is that small and micro enterprise customers can apply for working capital loans in Sichuan Tianfu Bank through the bid-winning notice or contract under the public bidding of the government, and the maximum amount of a single household can reach 6,543,800 yuan. "Government loan" is the product of cooperation between Sichuan Tianfu Bank and Sichuan Provincial Department of Finance. Through the tripartite cooperation among banks, enterprises and enterprises, the problem of financing difficulty and high cost of small and micro enterprises and high-tech enterprises is solved by the concept and mode of platform, data and Internet. By the end of 2020, the balance of Sichuan Tianfu Bank's "government loan" was 303197,600 yuan, an increase of 224% compared with the beginning of the year. "
Empowering by science and technology: ensuring small and medium-sized enterprises get off to a good start in the 14th Five-Year Plan.
In fact, providing policy products such as "small micro-technology loans" and "political mining loans" to Sichuan China Resources Pharmaceutical Co., Ltd. and Sichuan Haoxin Yisheng Technology Co., Ltd. is only one of the epitome of Sichuan Tianfu Bank's support and help for the development of small and medium-sized enterprises.
The sudden attack of COVID-19 epidemic in early 2020 has disrupted the lives of ordinary people and the business rhythm of many enterprises. The government and relevant regulatory agencies have introduced many policies to ease the financial pressure of enterprises. After learning that some small and medium-sized enterprises' loans were about to expire and faced with tight liquidity, Sichuan Tianfu Bank strictly implemented the People's Bank of China's deferred repayment policy and took the initiative to renew loans for enterprises. The relevant person in charge of Sichuan Tianfu Bank said, "During that time, we checked one by one to ensure that each customer's loan was renewed."
At present, Sichuan Tianfu Bank has realized the docking of real estate centers in Chengdu, Nanchong and Guiyang, and realized online mortgage registration; Actively participate in the "interaction between banks and taxes" and take the lead in becoming the first city commercial bank in Sichuan Province to directly connect with Sichuan tax data, which not only enriches the risk control dimension of big data for small and micro enterprises, but also improves the online business handling ability.
In the first year of the Tenth Five-Year Plan, Sichuan Tianfu Bank took precautions, fully improved and utilized technologies including face recognition, CFCA authentication and electronic signature of electronic contracts, and built an online standardized product system for inclusive credit services such as Panda Small Loan, Panda Easy Loan, Tianfu Jiahui Loan, Silver Tax Pass and Political Mining Loan to help small and medium-sized enterprises.