Core Insights - The "Tianfu Series Industry Loan" initiative launched by the Sichuan Provincial Finance Department aims to address the financing difficulties faced by small and micro enterprises [1][2] - Luzhou Bank has implemented an innovative "loan-on-demand" guarantee model, significantly improving the efficiency of loan processing and approval [1][2] Group 1: Financing Solutions - The "loan-on-demand" model enhances the credit mechanism by involving multiple risk-sharing entities, effectively addressing the financing challenges faced by small enterprises lacking collateral [1] - The initiative offers fiscal interest subsidies, reducing the financing costs for enterprises. Short-term loan rates are capped at 1-year LPR + 150 basis points (currently 4.5% annualized), while medium to long-term loans are capped at 1-year LPR + 200 basis points (currently 5% annualized), with provincial fiscal support providing an annualized interest subsidy of 1.5% [2] - The streamlined business process allows Luzhou Bank to independently complete the entire loan approval process, reducing processing time by approximately one week compared to traditional methods [2] Group 2: Business Achievements - Under the "loan-on-demand" model, Luzhou Bank successfully completed the loan process from application to disbursement in just one day, achieving several milestones including the issuance of the first "Tianfu Sports Loan" of 200,000 yuan and the first "Tianfu Cultural Industry Loan" of 300,000 yuan [2] - The bank also provided 500,000 yuan for the first "Tianfu Science and Technology Loan" and issued loans of 600,000 yuan, 5 million yuan, and 2 million yuan for service, manufacturing, and foreign trade enterprises, respectively [2] - After fiscal interest subsidies, the actual financing cost for enterprises can be as low as 2.1% [2] Group 3: Future Plans - Luzhou Bank plans to continue enhancing its support for small and micro enterprises by increasing policy promotion and enterprise engagement, focusing on resolving financing challenges in key industries and specific groups [3]
泸州银行创新采用“见贷即担”业务模式，率先落地“天府系列产业贷”