Xin Lang Cai Jing·2025-12-04 03:41Core Insights - The article discusses new loan products from three banks tailored for small and medium enterprises (SMEs), highlighting their unique features and benefits [2][3][5]. Product Offerings - Bank of China - Zhongyin Enterprise E-Loan: Offers a maximum limit of 5 million, supports revolving credit, and is ideal for businesses needing flexible cash flow for seasonal inventory or temporary production expansion [2][3]. - Jiangxi Bank - Operating Flow Loan: Requires stable operating cash flow along with business licenses and tax documents, focusing on quick approval, suitable for frequent cash flow needs in trade and retail [2][3]. - Bohai Bank - Tax Loan: More favorable for companies with good tax records, with limits adjustable based on tax contributions, primarily supporting technology and manufacturing sectors [2][3]. Interest Rates and Terms - All three products have competitive annual interest rates starting from 3.5%, significantly lower than traditional loans, available to all industries except real estate and finance [2][3]. - Loan amounts range from 500,000 to 50 million, with flexible terms of 36 to 60 months and a repayment method of interest-first [5][18]. Target Audience - The loans are aimed at legally operating SMEs with good tax records and fixed business premises, suitable for production expansion or daily operations [6][19]. Application Requirements - Applicants must be aged between 20 and 75, hold more than 5% of shares, and have been registered for over a year, with a minimum operational capital of 500,000 [7][20]. Application Process - The application process involves submitting necessary documents for initial review, with results typically available within two hours, followed by a detailed review of financial flows [10][23].