海南农商银行出台金融支持台风“剑鱼”灾后重建五条措施

Core Points - The impact of Typhoon "Jianyu" has severely disrupted the operations and financial plans of businesses in Hainan, prompting a swift response from Hainan Rural Commercial Bank to support disaster recovery efforts [1] - Hainan Rural Commercial Bank has introduced five measures to assist affected businesses and individuals in regions such as Sanya, Lingshui, Baoting, and Ledong [1] Group 1: Disaster Relief Loan Products - A specialized disaster relief loan product named "Disaster Support Loan" has been launched, with a maximum loan amount of 10 million yuan, aimed at supporting severely affected agricultural and tourism sectors [2] - For severely impacted businesses and farmers lacking collateral, the bank will increase the issuance of credit guarantee loans, and existing clients can receive up to 20% of their original loan amount as credit loans, capped at 1 million yuan [2] Group 2: Infrastructure and Key Areas Financing - The bank is focusing on financing needs for infrastructure repair and reconstruction, including essential services like transportation, food production, and municipal facilities, by enhancing support for small and micro loans [2] - Quick processing and approval of loans will be prioritized to assist severely affected sectors such as tourism and agriculture in resuming operations [2] Group 3: Flexible Credit Policies - The bank will not withdraw or reduce loans for clients temporarily unable to resume operations due to the disaster, offering flexible repayment options to alleviate financial burdens [3] - Interest rate discounts will be provided for the "Disaster Support Loan," with rates potentially as low as 2.55%, and up to a 50 basis point reduction for severely affected clients in specific regions [3] Group 4: Efficient Loan Processing - A green channel for disaster relief loan processing has been established, with a dedicated service team to respond quickly to client financing needs, aiming to complete loan approvals within three working days [3]