Core Viewpoint - Luzhou Rongcheng Glass faced challenges after acquiring Gaohong Glass assets, including uncompleted asset transfers and legal issues with former controllers, leading to financing difficulties despite having new production line equipment ready [2] Group 1: Financing Challenges - Luzhou Rongcheng Glass encountered a "non-standard" financing scenario due to historical issues, resulting in a funding "disruption" for raw materials [2] - The bank focused on the substantive operational risks rather than surface-level concerns, implementing measures to assess the company's true risk and operational capability [2] Group 2: Risk Assessment Measures - Legal clarification was conducted to delineate new and old debt risks, confirming no association between Luzhou Rongcheng Glass and Gaohong Glass's original debts, effectively "clearing" the company’s name [2] - On-site verification was performed to assess the company's operational vitality, leading to the confirmation of eight years of stable operations and steady revenue growth [2] - The management team's strength was evaluated, highlighting over ten years of industry experience and professional skills in cost control and development planning, which are crucial for the company's value creation and debt repayment capacity [2] Group 3: Financial Support - Through thorough due diligence and risk assessment, Luzhou Bank issued a 3 million yuan credit loan to Luzhou Rongcheng Glass within three days, alleviating the company's short-term financial pressure and supporting the new production line's launch, which is expected to increase annual production by 20 million yuan [3] - A representative from Luzhou Bank emphasized the importance of assessing the "living" operations, "true" teams, and "real" futures of enterprises, committing to support potential and trustworthy companies [3]
打破常规，聚焦实质，泸州银行“穿透式风控”解企业融资难题