Nei Meng Gu Ri Bao·2025-04-29 07:09Core Viewpoint - The Inner Mongolia branch of China Construction Bank is actively implementing a no-repayment renewal loan policy to support private and small micro enterprises' financing needs from April 2024 to March 2025, facilitating 22,300 small micro enterprise clients with a total renewal loan amount of 15.049 billion yuan [2][3] Group 1: Policy Optimization - The bank has optimized three renewal loan products, including small business credit loans and mortgage quick loans, enhancing service efficiency and covering all types of clients [2] - The loan term has been adjusted from one year to a range of one to three years to better meet clients' operational cycle needs [2] - The continuous reduction in loan interest rates saves clients approximately 40 million yuan in interest expenses annually, effectively relieving the burden on credit personnel [2] Group 2: Customer Base Expansion - The renewal loan business has expanded from only small micro enterprise working capital loan clients to include small micro enterprise owners, individual businesses, and farmers' operational loans [2] - The bank will also provide renewal support for medium-sized enterprise working capital loans that are due before September 30, 2027, on par with small micro enterprises [2] Group 3: Renewal Processing Enhancement - Eligible clients can self-process renewal loans through the "CCB Hui Dong Ni" app, receiving renewal invitations 30 and 15 days before loan maturity [3] - For clients unable to process online, the bank will conduct further communication and follow-up through on-site investigations and negotiations for offline renewal [3] - Client managers will follow the entire renewal process to ensure that all eligible clients can renew their loans, meeting reasonable financing needs [3]