In early winter, despite the cold weather, the workshop of Xinfuda Pharmaceutical Packaging Co., Ltd. located in Zhaoxian Economic Development Zone, Shijiazhuang City, Hebei Province was in full swing. "The products produced now are mainly sold to all parts of the country and some overseas countries," said the person in charge of the company.
In p>218, Xinfuda entered a period of rapid growth, and orders from downstream pharmaceutical companies increased significantly. However, due to a large amount of money invested in the construction and purchase of factories, workshops and production equipment in previous years, there is a gap in liquidity. The enterprise ran to many banks, but because there was no collateral at that time, there was no suitable loan product. where is the money to come from? It has become a major problem for enterprises.
after receiving the loan application from the enterprise, the branch account manager immediately went to the enterprise to find out the situation. After the loan investigation and review, apply for a credit loan of 3 million yuan. Enterprise loan funds are used to purchase raw materials and put them into production. In that year, the sales reached 4 million yuan, and the annual sales increased by 35%.
Shijiazhuang Branch of Postal Savings Bank innovatively launched "technology loan" products according to the characteristics of technology-based enterprises, aiming at solving the problems of light assets and insufficient pledge of technology-based enterprises. At the same time, in order to further effectively support the development of local science and technology enterprises, Shijiazhuang Branch of Postal Savings Bank actively establishes contacts with local science and technology departments at all levels, relevant government departments, associations and industrial alliances, and builds a broad cooperation platform to provide financial support for the development of science and technology enterprises to the maximum extent. As of September, 221, Shijiazhuang Branch of Postal Savings Bank issued a total of 2 million yuan of science and technology loans. (Zhang Yuanyuan) Related Questions and Answers: Chongqing Science and Technology Loan Application Process 1. Apply: An enterprise submits a loan application to a bank, and provides enterprise-related information such as its business license, operating flow statement for the last three years, and tax payment records for the last two years. 2. Bank audit: After the bank receives the application materials of the enterprise, the staff carefully examines all the materials and evaluates the qualifications of the enterprise. 3. Signing a loan contract: After the enterprise passes the audit, the bank signs a loan contract with the enterprise, and stipulates the loan purpose, loan interest rate and loan amount. Small and medium-sized enterprises only need to submit materials once to apply for "guarantee loan", and the time from enterprise application to bank lending has also been shortened from the past three months to one month, making financing more convenient.