Dazhou City Commercial Bank has established a perfect financial service system for small and medium-sized enterprises, the head office has set up a financial service center for small and medium-sized enterprises, and county (city, district) sub-branches have set up a financial service center group for small and medium-sized enterprises, equipped with specialized personnel, and established information files for nearly 3,000 small and medium-sized enterprise customers in the city, and implemented classified guidance according to their production, operation and management conditions. More than 95% of the bank's corporate credit customers are SMEs, and the loan balance of SMEs exceeds 65%. In 2009 and 20 10, the growth rate of SME loans exceeded the average growth rate.
Introduction of financial products for small and medium-sized enterprises of Dazhou City Commercial Bank: Working capital loans are loans granted by city commercial banks according to the working capital needs of borrowers, including short-term working capital loans (within 1 year, including 1 year) and medium-term working capital loans (between 1 and 3 years, excluding 1 year, including 3 years).
Product features: Working capital loan can meet the financing needs of borrowers due to insufficient working capital in normal production and operation.
Applicable objects: enterprises, institutions, corporate clients and individual industrial and commercial households that engage in production and business activities according to law and open settlement accounts in city commercial banks and meet the conditions of working capital loans.
Operation process: customers apply for loans from branches within their jurisdiction; The handling bank accepts the loan, assigns the account manager to investigate the loan, and then submits it to the department for review, which will be reviewed by the loan review Committee, authorized by the approver for approval, signing the contract, providing credit, post-loan management and credit recovery. Product Description: Fixed assets loans are loans issued by city commercial banks to enterprises (institutions) or other organizations that can act as borrowers as stipulated by the state to raise borrowers' investment in fixed assets. Fixed assets loans are divided into project financing and general fixed assets loans according to the different project operation modes and repayment sources.
Product features: Fixed asset loans can meet the financing needs of borrowers due to insufficient project funds when they invest in fixed assets such as technical transformation, capital construction, real estate development and scientific and technological development.
Applicable objects: enterprises, institutions, corporate clients and other economic organizations that engage in production and business activities according to law and open settlement accounts in city commercial banks, and meet the conditions of fixed capital loans of city commercial banks.
Operating procedures: customer application, handling bank acceptance, investigation and evaluation, review, deliberation and approval, contract signing, credit provision, post-loan management and credit recovery. Product Description: Discounting bank acceptance bills refers to the bill behavior that the holder of bank acceptance bills transfers the bill rights to the bank in order to obtain funds and pay certain interest before the bill expires.
Product features: the discount of bank acceptance bills can meet the demand of quick realization of bank acceptance bills held; Simple procedures and low financing cost.
Applicable objects: enterprises, institutions, legal persons, customers and other economic organizations engaged in business activities according to law; There is a real commodity trading relationship between the holder and the drawer or his predecessor, and a settlement account has been opened in the city commercial bank.
Operating procedures: customers apply for discount, investigate discount, examine discount, examine and approve discount, go through discount procedures, accept bills of exchange due, post them to the current accounting department, and pay them to the paying bank in time. Product Description: Repaying small revolving loan with loan refers to the revocable short-term working capital loan line approved by Dazhou Commercial Bank according to the liquidity demand within the unified credit line for a single customer of small enterprises. Within the approved quota and time limit, the borrower can recover RMB loans according to the liquidity gap required for production and operation.
Applicable object:/kloc-individual industrial and commercial households over 0/8 years old, male, loan term+age not exceeding 60 years old (inclusive), female, loan term+age not exceeding 55 years old (inclusive), with permanent residence or valid residence identity certificate in the county (city) under their jurisdiction, no bad credit record, and continuous operation for more than two years.
Product features: Small enterprises can allocate and use loan funds flexibly according to their own production and operation conditions and financing needs, and can borrow and pay back, and control financial expenses reasonably. The maximum credit of this revolving loan is 6,543,800 yuan+0.5 million yuan, and the longest term is three years.
Operation process: small enterprises apply for loans from branches within their jurisdiction, and the handling bank directly approves the loans after investigation. Product Description: The working capital loan for small and medium-sized enterprises refers to the revocable short-term working capital loan line approved by Dazhou Commercial Bank according to the working capital demand of enterprises within the unified credit line for individual customers of small and medium-sized enterprises. Within the approved quota and time limit, small and medium-sized enterprises can recycle RMB loans according to the liquidity gap required for production and operation.
Applicable object: SME customers with a production and operation period of more than one year, a stable product market and partners, and a credit rating of AA or above.
Product features: Small and medium-sized enterprises can allocate and use loan funds flexibly according to their own production and operation conditions and financing needs, and can repay them as they borrow and control their financial expenses reasonably.
Operational process: SMEs apply for loans from the handling bank, and after investigation by the handling bank, they are submitted directly or step by step to the customer department of the management bank for investigation, and the credit management department at the same level will review them, and the loan review Committee will review them, and the authorized approver will approve and issue them. Product Description: The pledge loan of taxi management right means that the taxi company issues a resolution of shareholders' meeting to Dazhou Commercial Bank, and all shareholders agree to use the taxi management right as the pledge guarantee of the borrower, and go through the pledge registration formalities at the Passenger Management Office of the Municipal Transportation Bureau; The loan issued by the taxi company to the borrower for replacing the taxi vehicle provides the borrower with full joint guarantee liability.
Applicable object: a natural person who has signed a contract (lease) for the right to operate with a taxi company.
Product features: simple procedures, convenient operation, one-time loan, monthly repayment. Effectively support the development of Dazhou rental industry.
Operating process: the borrower applies for a loan from the handling bank, and the handling bank directly approves the loan after investigation. Product introduction: warehouse receipt pledge loan refers to the loan support obtained by small and medium-sized enterprises with their own inventory products (commodities) as collateral According to the needs of enterprise production and operation, Dazhou City Commercial Bank designates specialized intermediaries to flexibly manage the pledged inventory to ensure the safety and liquidity of the inventory.
Applicable object: small and medium-sized production and processing enterprises with legal personality, large inventory required for normal operation, relatively stable price, strong liquidity and strong liquidity.
Product features: short-term liquidity demand of enterprises, accelerate capital turnover of enterprises and improve inventory efficiency.
Operation process: the enterprise applies to the handling bank, and after investigation by the handling bank, it directly or step by step submits it to the customer department of the management bank for investigation, and the credit management department at the same level will review it, and the loan review Committee will review it, and the approver will be authorized to approve and issue it. Product Description: The joint guarantee loan for coal enterprises refers to the loan for technical transformation and integration projects or working capital issued by Dazhou Commercial Bank to the borrowing coal enterprises, which is led by the county government to set up a financing guarantee association for coal enterprises, and the members of the association (coal enterprises) provide joint guarantee.
Applicable object: Dazhou coal mine business license is complete, legal and valid, normal production and operation for more than two years (including two years), no major safety accidents, no major bad credit records, and coal enterprises in line with industrial policies.
Product features: effectively solve the mortgage loan problem of coal enterprises, and support the technical transformation and short-term liquidity demand of coal enterprises.
Operation process: coal enterprises apply to the handling bank, and after investigation by the handling bank, they directly or step by step submit it to the customer department of the management bank for investigation, and the credit management department at the same level will review it, and the loan review meeting will review it, and the approver will be authorized to approve and issue it.