来源:建设银行 小编:朱岳 发布时间:2013年03月05日
内容导读: 建行依据小微企业交易结算及结算账户活跃程度,对结算稳定并形成一定资金沉淀的小微企业发放用于短期生产经营周转的可循环信用贷款业务——“善融贷”。贷款额度根据日均金融资产、月均结算量确定,单户贷款额度最高为200万元(含)。在贷款额度有效期内随借随还、循环使用。循环额度有效期最长1年(含),在核定的有效期内借款人可随时申请支用,单笔支用贷款期限不超过1年。
CCB power listed companies financing
Nowadays, help small and medium-sized enterprise financing is not just the solution to a payment for goods, introduce a batch of equipment, workers' wages are so simple, more and more commercial Banks have enterprises grow into every link.
In addition to helping small and medium-sized enterprise solve the financing problems, understands from China construction bank Beijing branch, this year it plans to cooperate with fengtai science park, provide financing services for nearly 30 to listed companies, the listed company are the future 1 to 2 years for listed companies.
During a visit to the relevant person in charge of fengtai science park management committee, according to the management committee will continue to cooperate with construction bank north points this year, further development of small and medium-sized enterprises in the park. Beijing commercial daily reporter learned that, since last year, CCB in symposium held in the park, north points collected 25 credit demand of technology-based private enterprises, the theme of this year the bank is still collecting listed company credit demand.
"Many companies have listed conditions, but not to understand the mechanism of the listed business operators, process, enterprise internal financial statements is not standard, with growth of the enterprises don't know how to introduce strategic investors, lead to stop." One of the medium-sized enterprises on behalf of the present truth.
CCB head north points related to the said, because now many credit products, they will according to the listed companies credit demand, special configuration. However, due to some small and medium-sized enterprises is not very good collateral and perfect financial statements, is often difficult to get loans from Banks.
To this, the construction bank according to the small micro enterprise trade settlement and the settlement account activity, and form a certain fund precipitation on the settlement stability is small micro enterprises for short-term revolving credit loan business of turnover for the production and business operation - "borrowed". Loan amount according to the average daily, monthly financial assets JieSuanLiang sure, single-family loans of up to 2 million yuan (contain). During the validity period of the loan amount increases with the increasing borrowed also, circulation use. Loop lines be valid 1 year (including), approved in the period of validity of the borrower may apply at any time for teams to use, with single branch loan term is less than 1 year.
More importantly, "good financial credit" products to the enterprise in addition to financing, but also has greater significance. A intend to listed medical devices business operators, said: "because credit products, the company won the credit, has long been want company public idea is also to be able to start. Now we are cooperating with huaxi securities has begun, listed company CaiGai, tax reform, reform is under progress."
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