【政策东风】最新银行渠道大放水，7 天搞定 600-1200 万贷款，手慢无额度，企业融资黄金窗口

Group 1 - The National Development and Reform Commission, in conjunction with the Ministry of Finance, has allocated 69 billion yuan in special long-term bonds to support the consumption of goods through trade-in programs [1] - As of July 16, 280 million people have participated in the program, generating 1.6 trillion yuan in sales, with retail sales in categories like home appliances, communications, and automobiles growing over 20% year-on-year [3] - The fourth batch of 69 billion yuan in funding will be released in October to ensure the smooth implementation of the policy throughout the year [3] Group 2 - Major commercial banks, including China Merchants Bank, Shanghai Pudong Development Bank, and CITIC Bank, have launched high-limit, low-interest corporate credit loans to support business development [5] - The new credit policy allows eligible enterprises to receive up to 30 million yuan in credit loans with annual interest rates as low as 2.78%, with a streamlined application process requiring only tax records and business flow [5][8] - Specific industries such as technology, foreign trade, and agriculture can benefit from preferential interest rates, with financing costs reduced by up to 35% [5] Group 3 - The digital risk control model combined with a green approval channel significantly enhances efficiency, allowing for lower barriers to entry for asset-light enterprises [6] - The policy eliminates reliance on collateral, enabling businesses with a B-level tax rating, at least one year of establishment, and a debt ratio of 70% or less to apply for loans [8] - Individual businesses, small and micro enterprises, and specialized and innovative companies are all covered under this policy, addressing the needs of various sectors [8] Group 4 - The pre-approval process is expedited, allowing for online submission of basic materials, with feedback on pre-approval limits available in as little as 2 hours [9] - Once documentation is complete, funds can be disbursed in as little as 3 days, with some scenarios supporting instant payment on the same day [9]