外汇局菏泽市分局引领金融帮扶菏泽建行跨境快贷“贷”动企业发展

Core Insights - Small and micro foreign trade enterprises are facing liquidity issues due to international circumstances, necessitating financing to alleviate cash flow shortages [1][2] - The local financial institutions, particularly the Bank of China in Heze, have actively engaged in research and support activities to understand the operational status of foreign trade enterprises and implement targeted assistance measures [1] Group 1 - The Bank of China in Heze identified a small enterprise struggling to secure financing due to a lack of collateral and guarantees, which had previously failed to obtain loans from multiple banks [1] - The enterprise was assessed and found eligible for the Bank of China's cross-border quick loan product, allowing them to apply for a credit limit of 2 million yuan [1] - The enterprise utilized 500,000 yuan of the loan on January 23, 2025, and subsequently accessed a total of 4 million yuan, significantly alleviating their financial pressure and supporting their ongoing development [1] Group 2 - The cross-border quick loan product from the Bank of China offers significant advantages, including being purely credit-based, no collateral or guarantees required, low interest rates, fully online operations, and instant disbursement [1] - This product effectively meets the financing needs of small and micro foreign trade enterprises, allowing them to flexibly utilize loans within the approved limits [1][2] - Future collaboration between relevant departments and financial institutions is expected to deepen, providing more financial support to foreign trade enterprises and promoting their high-quality development [2]